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Sports betting africa predictions of 2021 Each time the user scrolls through the wager types offered by the at least one wagering terminall ajustement mutuel betting information regarding race events is presented according to the selected wager type. As is known in the art, each totalisator has at least one API Application Program Online sports betting maryland that is necessary to be communicated with or be bridged in order to interact with the programs and hardware of a host computer. For example, the submission of a wager may trigger, according to a prize selection algorithm, the provision of a prize to the user, for example, in the form of a credit of the user's account or a credit or other type of prize on a ticket provided from the ticket dispensing device. By defining the running styles of the race contestants, a picture of the race is will begin to evolve. In an embodiment, the ticket having the bonus pick s may be provided with a bar code to track and facilitate payout of the bonus prize s for a winning bonus pick s.
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Telebet online betting Handicapping may also be influenced by l ajustement mutuel betting selection or program content to lean towards favorites, middle odds or long-shots wagers. Additionally, by not needed to build permanent structures, building permits may be avoided and other significant bureaucratic complications can be avoided. Alternatively, for example, the selection of the wager type may jalur ke muara bettingadvice performed by selecting a desired wager type in a menu presented on the display or by selection of icons corresponding to specific wager types offered by the at least one wagering terminal In an embodiment, a separate that is a distinct ticket, with wagering information on only the bonus event s in play, although a ticket may issue with an underlying wager information and the bonus free wager information ticket may be issued incorporating the details of the user's wager and providing the bonus pick s. It is important to be able to provide in the practice of the invention to have a workable system, software, algorithm etc. In an embodiment, the wagering processor may employ one or more race contestants from a set of quick pick race contestant s to complete a wager if all the necessary race contestants for the wager type have not been selected but the wagering processor is instructed nevertheless to submit the wager.

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Please click on the reason for your vote: This is not a good example for the translation above. The wrong words are highlighted. It does not match my search. It should not be summed up with the orange entries The translation is wrong or of bad quality. Thank you very much for your vote! You helped to increase the quality of our service. These include the already negative attitude of the Conservatives when they took power, the conflicts experienced [ Members must [ For good reason, the concept of 'open coordination' has become [ However, inadequately surveyed land parcel boundaries [ The difference in level of government and in agenda centre left for the PQ and centre [ This corresponds to Mintzberg's [ A la mi les relations entre les deux [ By the middle of , relations between [ It also appears to be fully generalizable, in that it applies equally to all extant governance mechanisms that have been formally agreed by governments, the private sector, civil society, or multi-stakeholder partnerships; or that rest on informal social conventions, including those [ Les innovations juridiques [ Legal innovations often [ A process for fabricating an endless flexible seamed electrostatographic belt 10 formed by joining two ends of a [ The balancing mechanism represents an [ And so, through European approaches to [ Les parties contractantes [ The Contracting [ However, the ECB should closely monitor the continued strong [ While we can't make people like each other, we can promote.

Given the increasing importance of the international dimension of audiovisual policy, the European Parliament, on 13 December , adopted, in the budget, a preparatory action MEDIA International, that focuses on developing the Union's relations with third-country audiovisual markets and provides the opportunity for structuring and strengthening relations and networks between European and.

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Adjustment i n some of th e worst [ While we can't make people like each other, we can promote. Given the increasing importance of the international dimension of audiovisual policy, the European Parliament, on 13 December , adopted, in the budget, a preparatory action MEDIA International, that focuses on developing the Union's relations with third-country audiovisual markets and provides the opportunity for structuring and strengthening relations and networks between European and.

Please click on the reason for your vote: This is not a good example for the translation above. The wrong words are highlighted. It does not match my search. It should not be summed up with the orange entries The translation is wrong or of bad quality.

Thank you very much for your vote! You helped to increase the quality of our service. These include the already negative attitude of the Conservatives when they took power, the conflicts experienced [ Members must [ For good reason, the concept of 'open coordination' has become [ However, inadequately surveyed land parcel boundaries [ The difference in level of government and in agenda centre left for the PQ and centre [ This corresponds to Mintzberg's [ A la mi les relations entre les deux [ By the middle of , relations between [ It also appears to be fully generalizable, in that it applies equally to all extant governance mechanisms that have been formally agreed by governments, the private sector, civil society, or multi-stakeholder partnerships; or that rest on informal social conventions, including those [ Les innovations juridiques [ Legal innovations often [ A process for fabricating an endless flexible seamed electrostatographic belt 10 formed by joining two ends of a [ The balancing mechanism represents an [ And so, through European approaches to [ Les parties contractantes [ The Contracting [ However, the ECB should closely monitor the continued strong [ As a consequence, [ While we can't make people like each other, we can promote [ I believe the path forward - [ Given the increasing importance of the international dimension of audiovisual policy, the European Parliament, on 13 December , adopted, in the budget, a preparatory action MEDIA International, that focuses on developing the Union's relations with third-country audiovisual markets and provides the opportunity for structuring and strengthening relations and networks between European and [ Une autre question est de savoir si [ A different question [ Even with the mino r tinkering I had mentioned, that would mean the entire province of Saskatchewan would be one of these designated regions, excluding Regina and Saskatoon of course.

L ' ajustement d a ns certains des [ Adjustment i n some of th e worst [ While we can't make people like each other, we can promote. Given the increasing importance of the international dimension of audiovisual policy, the European Parliament, on 13 December , adopted, in the budget, a preparatory action MEDIA International, that focuses on developing the Union's relations with third-country audiovisual markets and provides the opportunity for structuring and strengthening relations and networks between European and.

These include the already negative attitude of the Conservatives when they took power, the conflicts experienced [ Members must [ For good reason, the concept of 'open coordination' has become [ However, inadequately surveyed land parcel boundaries [ The difference in level of government and in agenda centre left for the PQ and centre [ This corresponds to Mintzberg's [ A la mi les relations entre les deux [ By the middle of , relations between [ It also appears to be fully generalizable, in that it applies equally to all extant governance mechanisms that have been formally agreed by governments, the private sector, civil society, or multi-stakeholder partnerships; or that rest on informal social conventions, including those [ Les innovations juridiques [ Legal innovations often [ A process for fabricating an endless flexible seamed electrostatographic belt 10 formed by joining two ends of a [ The balancing mechanism represents an [ And so, through European approaches to [ Les parties contractantes [ The Contracting [ However, the ECB should closely monitor the continued strong [ As a consequence, [ While we can't make people like each other, we can promote [ I believe the path forward - [ Given the increasing importance of the international dimension of audiovisual policy, the European Parliament, on 13 December , adopted, in the budget, a preparatory action MEDIA International, that focuses on developing the Union's relations with third-country audiovisual markets and provides the opportunity for structuring and strengthening relations and networks between European and [ Une autre question est de savoir si [

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Kilani Modelling the misalignement of the Dollar-Sterling real exchange rate: A nonlinear cointegration perspective by S. Kilani The bank's market power and the interest rate elasticity of demand for housing: an econometric discrimination on french mortgage data by Robert J. Harchaoui Optimal auditing for insurance fraud by G. Picard Costly risk verification without commitment in competitive insurance markets by P. Picard Persistent misalignments of the European exchange rates : some evidence from nonlinear cointegration by G.

Peguin-Feissolle Fractional cointegration and term structure of interest rates by S. Mignon Modeling long-range dependence in European time-varying term premia by S. Economic literature: papers , articles , software , chapters , books. FRED data. Corrections All material on this site has been provided by the respective publishers and authors. The case of Senegal by Christelle Dumas. Louis Fed. Help us Corrections Found an error or omission? For example, to check tickets for racetracks over the course of the day would pre-occupy a pari-mutuel race contestant terminal by players cashing tickets via a voucher reader or would require increase in tellers or clerks to manually cash these tickets.

A pari-mutuel race contestant terminal must also be able to debit and credit a win meter or credit meter immediately whereby the player does not have to leave the pari-mutuel race contestant terminal to allow other pari-mutuel race contestant players to play such as walk-up units used today in many racetracks and O.

Therefore, a stationery unit would have more throughput due to less user interface functions and player changeovers than a multi-user walk-up unit whereby players shared a terminal by logging in and out. However, a walk-up unit does not make sense where there is too much dead time between races whereby players want to walk up to the unit and make a wager and not wait at a unit while there is dead time between races is over, nor do they want multiple tickets on the same race event since this form of betting tends to automatically eliminate tickets where there can be only one winner.

In other words, the player is shooting himself in the foot or betting against himself, but he does this in order to bypass the boring, non action dead time between races. Dead time between races can also make a player wager on races that have short fields, unbalanced pools where a player's selected race contestant are over bet thereby providing no value for the player versus the risk, and races where there is no handicapping angle that suits the psychological profile of the respective player.

These patents do not appear to disclose any novel hardware or software, but provide a system that provides direct connection to a source of racing data and other racing information, live video of the race on which you a player is wagering, and enables the player to place wagers at many different tracks throughout the world. The system of these patents fundamentally sets up a networked system that allows a player to do essentially everything at a terminal that one could do at a race track betting booth except possibly look at the horse up close.

The system provides ways of accessing horse data e. After collecting and reviewing that information, the player then places a wager which is added to the wagering pool. This is a relatively convenient concept that enables only distal wagering. The racing industry requires greater player-friendly access that enables newer players to enter the racing system, without requiring years of study or learning the complex nuances of handicapping and form reading and use.

The present invention relates to a complete system for entry into commingling pari-mutuel pools or providing private pari-mutuel pools for race events, providing software and hardware for such systems, providing novel bet entry structures for pari-mutuel wagering, novel gaming apparatus that enables entry into the pari-mutuel pools, and other related and enabling technology for entry into the novel system. The complete system may be provided in structural modules that may be transported from location to location and readily connected to provide a complete wagering facility that need be connected with only the race provider systems.

Embodiments of the invention will now be described, by way of example only, with reference to the drawings, in which: []. The systems of the present invention provide terminals, stationary devices that may look like a console, upright gaming apparatus, video gaming table or gaming apparatus, keyboard-monitor combination, or any other physical structure that enables electronic communication with a race provider and either contains or connects to intelligence that can drive the system.

The underlying concept of the system is that the terminal can be used to place wagers on racing events, and preferably provide a visual format that gives the appearance of gaming equipment has the appearance of a video gaming machine, reel-type slot machine, poker machine, or other gaming device that indicates winning play by the provision of symbols or images that are related to wins or awards.

The pari-mutuel system, which will be described in greater detail herein, can be provided at conventional casinos with information connection to race events , at equipments set up at race tracks, or at mobile facilities that can be transported to various sites Fairs, carnivals, events such as trade shows or conferences and readily set up and then taken down at the end of the event or the end of the season.

For example, modules such as mobile vans, mobile trailers or the like may be fitted with the terminal equipments, the modules may have electronic fittings and physical structure to assist in interconnection of the modules and enabling a temporary mobile unit to be constructed, the interconnected modules being capable of being communicatively connected to a server, hub, or system that provides race events the connection being by phone lines, cables, optical network, wireless connection, radio connection, or any other form of communication connection.

The mobile units e. As the security for the system is built into the server or hardware, the seemingly temporary and rapid setup still provides great system security. Of significant importance in the mobility is the fact that when the system has been placed in a wagering jurisdiction, the local authorities will have less ability to alter underlying relations and governmental-business interests in the operation.

After the system has been in operation, profitability established, and the financial operation monitored by local authority, it has become too common for local governments to desire a renegotiation of the original licensing provisions as greater revenues are desired by the government. Because the operation is fixed, the management of the wagering operation has little leverage and can be forced to meet the new demands or cease operations. By providing a completely mobile operation that costs less than one million dollars for terminals, the operators can literally pack-up and move if they are overly pressured by local authorities.

Additionally, by not needed to build permanent structures, building permits may be avoided and other significant bureaucratic complications can be avoided. To that end, the present invention contemplates modular units having the physical support for at least 10 ten pari-mutuel wagering terminals and the physical hardware enabling communication with race event providers e. It is preferable that the modules have openable segments on walls e.

By having interconnecting modules, the effective size of the final constructed mobile system is essentially unlimited. Once local permits have been established not necessarily requiring building permits, but rather only placement or use permits the entire modular structure can be driven or delivered to a site and can be interconnected and running in less than 24 hours. This enables movement of the modular system between fairs, conventions, events, and gatherings so that the systems will not be idle during different times of the year where local racing activity may be reduced.

It is also contemplated that the terminals may also contain software for conventional reel-type wagering games, video wagering games, keno, blackjack, poker or other terminal wagering games for use in locations that allow such wagering. A terminal which may be a fixed terminal or a personal computer that accesses the system described herein is used to engage in the practice of the invention. The system contains hardware and software that enables player to enter a race wagering system and place a wager easily and with minimum of required skill, while still providing the excitement of race wagering.

There are unique attributes of the system that provide unique capabilities that enhance the player's enjoyment and the game performance. These benefits are discussed below. The system provides a function wherein the gaming system selects races at least on the basis of time availability of the race.

Because the limitations at a track for wagering are primarily limited by the times between races, and because wandering across the list of tracks and races is time consuming, the number of potential wagers that can be placed from a distal source such as is envisoned and enabled in the practice of the present invention is potentially reduced by significant amounts.

This reduces the number of wagers and thereby reduces the take by the tracks and intermediates. By the wager components are included at least components selected from the group of track, race, pool e. The wagering system may also enable the partial selection of a wager e.

Any number of the many wager elements may be selected least preferably even 0 of the total wager components , and the system will automatically complete the wager, either by truly random selection or pseudo random selection, or by enabling actual handicapping software to select the remaining elements of the wager, or by partial random selection and partial handicapping selection. The handicapping may also be influenced by information, software, algorithm or events beyond normal handicapping data, such as pool leveling, selection wagering style conservative wagering, long-shot wagering, variable wagering, etc.

The handicapping may also be influenced by user input such as player desired tendencies, player instructions, player history, player entered profile, etc. Combination wagers e. This player profile may be used in the software program to weight, influence or modify the automated selection process. Because this is a complete system, additional style and function features may be added into the system.

Some unique performance characteristics that have already been designed include, for example: []. For example, the odds board may show the odds on rows that are, in order, red, white, blue, orange, pink, purple, green, etc.

The odds would, by way of non-limiting example, be on the display red , white , blue , orange , pink , purple , green Whatever the odds on a particular race, the same order of color would be used to display the order of the odds. As the odds shift during wagering, the colors on the odds of a particular runner may shift, but the order of the odds on the racers remain the same, from highest to lowest or lowest to highest.

This enables players to select runners e. This allows the players to maintain a semblance of cognizance about wagers. The original display of the images my be by runner number or randomly on the display, or alphabetically by runner name or jockey name or stable name or by any arrangement that is designed into the system.

When the wagers are placed by the player or automatically selected or automatically completed by the software, the columns and rows spin giving the appearance of reels on a reel-type video slot machine , the spinning stopping, and the selection s are positioned on a predefined position on the final display of the reels.

For example, the winner wagered upon may be shown in column 1, row 1, or column 1, row 2 as a predetermined selection. If a trifecta were wagered upon, the three runners in the selection may be displayed as column 1, rows 1, 2 and 3; columns 1, 2 and 3 row 1; columns 2, 3 and 4 in row 1 or row 2, etc.

The final display of the runners wagered upon may also and preferably highlight the runners wagered on, as by screen highlights, overlay of numbers on the runners e. Also, the wheels or reels spin while the system is having its wager entered into a pari-mutuel pool to provide marginal entertainment time or indication or machine operation.

To have a workable system, at least some of software, hardware, algorithms, displays, etc. The preferred system uses handicapping techniques that incorporate tote odds, pool odds, HCW, odds dropping, standard handicapping functions and parameters, singly or in combination. Alternative or additional; features, such as the player profiling indicated above, may also be used in the handicapping techniques.

The preferred method combines tote odds and HCW information. In an embodiment of the invention, referring to FIG. In an embodiment, the communications connection or network between the race providing system and the at least one wagering terminal comprises a closed connection or network. However, the communications connection or network may instead comprise an open connection or network, such as the Internet, if the open connection or network has sufficient bandwidth for adequately servicing the at least one wagering terminal.

Additionally, security safeguards such as signatures, user identification requirements, encryption of signals and trails, hash values, pin numbers, passwords, and the like are desirable security attributes of various embodiments of the invention. Moreover, such a connection or network may be of any form including without limitation wire, cable or wireless or any further developed system. Each of these formats is merely a communication system for transmission of signals used in the practice of the invention.

Non-limiting examples of the content of the facility include, but are not limited to: []. The account set-up facility is preferably a kiosk having a wagering card dispenser to issue a wagering card on the set-up wagering account. A card reader may be provided to read a card that enables at least one interaction with the processor selected from the group consisting of identifying the wagering account holder and reading a card that can deposit value into the wagering account.

The card reader may also or alternatively read a card that can deposit value into the wagering account. The system should provide a connection to a credit database to validate set-up of the wagering account. The processor should have hardware or software available that can instruct a wagering account set-up confirmation to be sent to the wagering account holder. The invention also includes a wagering terminal in communication connection with a race providing system that facilitates wagering on race events and provides information regarding the race events.

The wagering terminal may comprise, by way of non-limiting examples, a display to present information regarding selected race events; a user interface enabling a user to place a wager on an elected race event of selected race events displayed; a card reader to receive a card having information pertaining to a user account and to enable identification of available wager amounts for at least one or more wagers on the elected race event; at least one currency receiver or credit receiver to receive currency or credit, respectively, wherein currency or credit provided to the currency receiver or credit receiver may be deposited to the user account.

There may also be a currency dispensing device to dispense currency and wherein currency dispensed is withdrawn from the user account. The wagering terminal may be in communication access to a race event selector to select race events, wherein the selected race events are next race events for wagering. An alternative aspect of the present invention includes a wagering terminal in communication with a race providing system that facilitates wagering on race events and provides information regarding the race events.

The terminal includes a race event selector to select next race events for wagering, the race event selector using an algorithm to select next race events by analyzing one or more factors from the group comprising estimated start of race event; estimated duration of race event; nature of the race event; actual start of the race event as affected by delays; spacing among other race events; and other attributes affecting the playability of particular races; a display to present information regarding the selected race events; a user interface by which a user may place a wager on an elected race event of the selected race events displayed; and a wagering value mechanism, such as a wagering value selector to provide a wager amount for the wager on the elected race event.

The attributes of the wagering value selector are described in further detail herein, but may include random selection, handicapped selection, pool flattening selection that is selection that attempts to minimize differences among the amounts of wagers and odds among each and all of the total possible selections , and combinations of these. The factors used in the selection of a particular race are weighted and can be adjusted automatically to configure selection of the next race event.

The selector may be configured to enable either player selection of wagering amounts or automatic selection of wager amounts. Another alternative aspect of the invention includes a wagering terminal in communication with a race providing system that facilitates wagering on race events and provides information regarding the race events. The terminal may comprise a display to present information regarding selected race events, the information including race contestant wagering information displayed according to a profile of a user of the wagering terminal; a user interface enabling placement of a wager on an elected race event of the selected race events displayed; and a wagering value selector to provide a wager amount for the wager on the elected race event.

Race contestant wagering information may be generated from matching handicapping data showing estimated probability of race contestants finishing in specific positions against current odds to find wagering opportunities. This is preferably accomplished according to at least one algorithm using the handicapping data and the current odds.

The user interface may display icons corresponding to race contestants in a race event and a color or other indicator of the icons represents the race contestant wagering information. This aspect has been further described according to other elements of the invention and will not be repeated here, except to note that colors may be uniform or in a uniform for all races or the colors may be rearranged for each race. The race contestant wagering information for a particular wager may comprise at least one of a specific wager, a race contestant selection and a wager amount selected in accordance with the user profile.

Another useful aspect of a wagering terminal in communication with one or more race providing systems that facilitates wagering on race events and provides information regarding the race events may comprise a display to present information regarding selected race events; a user interface to place a wager on an elected race event of the selected race events displayed; a wagering value mechanism to provide a wager amount for the wager on the elected race event; and a module, preferably a portable module providing a library of at least two protocols for accessing different API's for different tote-providers to support interoperability of the wagering terminal with more than one race providing systems.

As is known in the art, each totalisator has at least one API Application Program Interface that is necessary to be communicated with or be bridged in order to interact with the programs and hardware of a host computer. Each totalisator system has its own API, and different functions within each totalisator which may be a race information provider in the practice of this invention may have separate API windows to traverse for communication. A module may be provided with the system of the invention that is embedded in a terminal or which may be connected on line or physically with a terminal or directly to the totalisator from a computer with terminal system functions according to the present invention which has the capability of communicating with different API's from different totalisators and different API windows within a single totalisator system to enable use of the practice of the invention.

The system module may interrogate the distal API to determine which protocol or key to the API is needed for communication, or the user may select a specific protocol or key when the user is aware of the specific API to which communication is to be directed. The module may define an application programming interface for the wagering that is facilitated by the wagering terminal and an application programming interface for the networking services of the race providing systems.

The optionally portable module may be adapted to accept one or more plug-in modules, each defining the interoperability to a specific race providing system. Another format of wagering terminal or another feature that can be incorporated into a wagering terminal in communication with a race providing system that facilitates wagering on race events and provides information regarding the race events may comprise a display to present information regarding selected race events; a processor in communication with the wagering terminal; a user interface to place a wager on an elected race event of the selected race events displayed; and a wagering value mechanism to provide a wager amount for the wager on the elected race event, wherein software executed by the processor requires a key phrase to be provided in association with the wager to limit access to wagering or credit accounts so as to protect the identity of a user that made the wager when winning wagers are disclosed.

When the wager is a winning wager, a results board displays the key phrase associated with the wager or a results board displays a winning amount associated with the wager. Another alternative or additional feature would be where, if the wager was a winning wager, a bell or audio signal is activated at the end of a selected race event depending on at least one of a number of winning wagers played on the wagering terminal and an amount of money won on the wagering terminal.

A user interface for a wagering terminal for practice of certain aspects of the invention may comprise a spinning reel animation; selection system for selecting at least one race contestant in a race event; communicative connection to a race information provider that carries information of the at least one race contestant selected to the race information provider to enter a wager on the at least one selected contestant on a wager in the race event; and when the spinning reel animation is completed, a screen presenting the at least one race contestant in the race event selected for a wager.

One or more race contestants may comprise one or more quick pick race contestants, as explained in greater detail elsewhere in the specification. For example, one or more race contestants may comprise one or more quick pick race contestants in which quick pick selection is based on handicap data, odds, pool leveling considerations, or literal even wager distribution.

Pool leveling is a process that is used or occurs where wagering is heavily weighted towards a few or even one horse, and the odds on other horses are unreasonable. An automated program will distribute additional wagers on other horses e. This process may be automatically initiated when the distribution of odds in a pool or pools exceeds predefined conditions or ranges.

For example, a look-up table or algorithm may be predefined where limits are established on the relative range of pool wagers, the range of odds, etc. It must be recalled that the automatic selection of wagers need not, and usually is not based solely upon selecting a winner in a race, but is aimed at creating a reasonable return on wagers and this may be performed by wagering on middle-odds and long-shot contestants.

Another aspect of the invention may be described as a wagering terminal in communication with a race providing system that facilitates wagering on race events and provides information regarding the race events, the terminal comprising a display to present information regarding selected race events; a user interface to place a wager on an elected race event of the selected race events displayed; a wagering value mechanism to provide a wager amount for the wager on the elected race event; and a wagering processor to provide one or more bonus picks in association with the wager.

The wagering processor may provide bonus picks when a wager results in a predetermined event. For example, bonus payouts may be provided when any wager returns at least a , , or payout. Any particular level absolute amount, so as to stimulate higher dollar amount wagers of return or rate of return on a wager may be used as the predetermined event.

A preferred event is when the predetermined event comprises a payout equal to or in excess of a predetermined amount or predetermined rate. The bonus pick is preferably an automatic selection of a race contestant from remaining race contestants in a race event not included in the wager or other bonus picks. Bonus picks may also initiate a progression not progressive jackpot of bonus events, wherein when a first bonus is won, a second bonus is then automatically entered without risking previously won amounts.

For example, each successive bonus presents higher odds for winning. The first bonus pick wager, for example might be a long-shot show wager, a second bonus may be a long-shot place wager, a third bonus may be a long-shot win wager, a fourth bonus may be an exacta or double, a fifth bonus may be a long-shot trifecta, etc.

Each bonus wager in the progression of events may be selected from successive events e. Preferably the selection of the race contestant for the bonus pick is random, although the randomness may be weighted, as by requiring all wagers to have in excess of certain odds for each wager type. For example, all show wagers to be selected must exceed , all place wagers must exceed , all win wagers must exceed , etc.

Each wager in the progression must exceed the odds of the previous selection up to the final bonus selection. There may be a potential succession of at least 4 bonus events, at least 5 bonus events, at least 6 bonus events, at least 7 bonus events, and the like. The wagering terminal may provide a pool out of which the bonus prize s for a winning bonus pick s is paid out may be funded by a one or more of a set aside of a percentage of wagering handle; an additional contribution by one or more race event tracks and a wager surcharge.

The pool for the bonus event may be underwritten by an insurance policy to ensure that a bonus prize can be paid. A payout of a bonus prize for a winning bonus pick may be determined by one or more of a size of the entire bonus pool; straight odds of winning the bonus pick; an effective payout or odds of winning the wager; an actuarial determination of the bonus prize; and a pari-mutuel determination with a jackpot and reserve similar to a lottery system.

Where ticket printing is used on the terminal, a separate ticket may be issued from a ticket for the wager, the separate ticket incorporating details of the wager and providing the one or more bonus picks. The separate ticket may be provided with a bar code to track and facilitate payout of a bonus prize for a winning bonus pick. One or more bonus picks may be provided on a same ticket of the wager in association with which the one or more bonus picks are provided. The Bonus Game in one embodiment may be configured to issue a bonus ticket if the player wins on a long shot wager i.

The player would then be issued a free ticket for the next available race and would then qualify for the next bonus level. This process will continue as long as the player continues winning in the bonus event until the player reaches a maximum level, e. The above process can be described as a bonus game which adds an extra entertaining element to the game similar to Slot Machine bonus Games. Adding bonus features keeps the games fresh and exciting for the players.

Casino industry publications such as IGWB International Gaming and Wagering Business have recently published articles on the movement by major Slot machines manufacturers to add Bonus Games to their traditional slot games. The goal is to award players for playing a particular game. The horse racing industry is severely lacking in new ways to retain and reward players.

The horse racing industry publication The Blood Horse Dec. The wagering terminal may have both speakers and video monitors to display events and provide signals. A time for display of the audio or video of a next race event may be determined by estimating a run time of the next race event and adding extra time for delayed starts and slow race events. The race providing system generally manages and processes various racing information, particularly wagering information associated with race events held at various race event tracks.

An example race providing system is Amtote International, Inc. The racing information that may be provided in accordance with the invention may include race event information, such as the names and start positions of the race contestants e. Optionally, the racing information may also include audio and video data corresponding to some or all of the race events for which the race providing system has information.

It is to be noted that even though this information may be available to the user by requested access to this information, the automatic selection system enabled in the present invention can access this information or parts of this information can be automatically accessed and used in the automatic handicapping function of the quick picking function of the invention.

This use of actual handicapping data or information in the execution of an automatic pick or quick pick selection is significant. In existing off-track wagering systems, the selector for Quik Picks is believed to be only a random selection. The use of handicapping information in a quick-pick is itself an advance in the art. The quick picking function of the invention may also use pool balancing, pool equalization or pool smoothing functions and considerations in making quick pick selections.

These balancing, equalization or smoothing function can influence the actual wager selected, even though the handicapping considerations are integral to certain selections. The nature of handicapping is only minimally understood by the general public, and even by those presumed to be skilled in the art. The objective is more to balance the best statistical return on a wager, and not merely to select the runner e. Rather an objective is to select runners that will, statistically, return the highest amount in the long-run based on the information available.

For example, odds and probability of events must be considered at the same time. Handicapping may also be influenced by player selection or program content to lean towards favorites, middle odds or long-shots wagers. This influence may be player selected or automatic, or varied automatically within the handicapping program. Any race providing system is useful, with live feed or at least immediate feed with minimal delay that does not compromise the wagering system from the race providing system being preferred.

Commercial information providing systems may be accessed, or a private information providing system constructed. A race providing system may also receive racing information from an information provider, unassociated with a particular race event track, supplying racing information e. Furthermore, the at least one wagering terminal provides racing information to the race providing system, particularly betting pool information. In an embodiment, the race providing system may include information related to a number of race events at one or more race event tracks so as to provide the at least one wagering terminal with information regarding a substantially continuous succession of race events.

As will be apparent to those skilled in the art but not shown in FIG. However, in at least one embodiment, a race providing system is used, and preferably a horse race system, a dog race system, or most preferably a combination of horse race and dog race access system is provided. As shown in FIG. The system operator interface comprises a data display device [] , typically comprising at least one CRT display although any visual display, such as plasma screen, LED screen, liquid crystal screen, or the like , for allowing a system operator to view, among other things, the racing information.

The control commands include commands for configuring racing information to be transmitted to the at least one wagering terminal, commands for configuring the wager processing of the race providing system, and where applicable, commands for configuring the wager type of the at least one wagering terminal. These will be discussed in greater detail in the further description of the invention. The wagering terminal transceiver [] for communicating with the at least one wagering terminal is one or more mechanisms to send all or some of the racing information to the at least one wagering terminal and, where applicable, to send any other information to the at least one wagering terminal.

The wagering terminal transceiver for communicating with the at least one wagering terminal is also configured to receive wagering information from the at least one wagering terminal for provision to the wagering processor. Such mechanisms may be typical communication interfaces. In an embodiment, the racing information is manipulated and formatted for sending to the at least one wagering terminal.

Further, the other information sent to the at least one wagering terminal may include one or more sets of quick pick race contestant s and one or more least chosen race contestants for a wager type, particularly the one or more race contestants for a wager type that may yield a payout of the entire pool, both as described in more detail below. The wagering terminal may be specific to only a single wager type e. The memory [] may include processor instructions for the CPU to define a quick pick race contestant s selector and a wager processor The memory may also include a wager database in communication with the wager processor As will be apparent to those skilled in the art, the memory may be non-volatile or volatile e.

The wager database may include one or more wagering records that identify the network address of the at least one wagering terminal from which a wager has been placed and information regarding the wager transmitted from that at least one wagering terminal. The wager processor [] may be configured to receive wager information from the at least one wagering terminal typically via the wagering terminal transceiver , to maintain the wager database with the received wager information and where applicable, to signal the appropriate at least one wagering terminal to initiate payout of winning wagers to the user of the at least one wagering terminal.

Where the at least one wagering terminal is used to place pari-mutuel wagers, the wager processor is also configured to include the received wager information into the appropriate pari-mutuel pool and where applicable, obtain information on the size of the pari-mutuel pool for calculation of the relevant payout.

Where, for example, the race providing system is connected to one or more other race providing systems, the wager processor transfers the received wager, where applicable, to the correct race providing system s so that the wager can be included in the appropriate pari-mutuel pool managed by that race providing system s and similarly, where applicable, obtain information on the size of the pari-mutuel pool from the relevant race providing system s for calculation of the relevant payout.

The quick pick race contestant s selector [] may be used to generate one or more sets of quick pick race contestant s for each race event. Each set of quick pick race contestant s may comprise one or more race contestants of a race event according to a specific wager type and is determined by a race contestant selection algorithm.

In an embodiment, the number of determined race contestants in a set of quick pick race contestant s primarily depends on the wager type. A set of quick pick race contestant s for a win, show or place wager type will comprise one race contestant. Similarly, a set of quick pick race contestant s for an exacta wager type will comprise two race contestants.

The quick pick function may also uniquely select partial picks, completing a partial selection on a wager. Similarly with a trifecta, the player selection may be for 0, 1 or 2 horses, and the quick pick selection would complete the selection of 1, 2 or 3 runners, respectively. The race contestant selection algorithm may employ handicapping information and odds information to determine a set of race contestants for a particular race event according to a specific wager type.

In an embodiment pertaining to horse racing, the algorithm may analyze for each race contestant of a particular race event the handicapping information including, without limitation, the race contestant's trainer statistics, race contestant's jockey statistics, the track condition of the race event, and the times between race events for the race contestant. The quick pick value according to the practice of the invention of each race contestant may then simply be a weighted value of the handicapping information and odds information associated with each race contestant.

The quick pick values for the race contestants of a race event may then be analyzed to determine a set of race contestants for a specific wager type for the particular race event, preferably an optimal set of race contestants to win the specific wager type for the particular race event. As will be apparent to those skilled in the art, any number of race contestant selection algorithms are possible employing handicapping information and odds information to determine a set of race contestants for a specific wager type for a particular race event.

Any other handicapping information may also be included, such as without limitation, post position, wind conditions, temperature effects on the runner, travel history of the runner, performance on particular track types and soil types, and the like. Player preferences, player profiles, and other player specific information may also be added to the data analyzed in the handicapping, even preferences of pole positions e. The combined feeds are fed through a data concentrator and the file containing only picks is sent to machines.

This reduces network cost rather than sending through feeds to every machine. In modern day simulcasting there is no time to handicap if a player wants to bet every race or maximize the races that are wagered upon. Many of these races are only 1 minute apart, thereby not leaving enough time between races to be handicapped manually since there are too many handicapping variables.

Thereby, customers will lose their money easier to other tracks that are only carrying 10 tracks a day since those bettors have more time between races. However, if there are fewer available races on the day, less money will be wagered and there will be less earnings for the track. Even though the track only takes an operating cut or takeout, the tracks and the terminal operators will still want players to win, since the more money they have to play with, the more the track can churn and earn its percentage.

It is a general objective of the industry to want the other tracks sending money to tracks where wagers have been placed when the simulcast accounts are settled at the end of the month. The quick pick race contestant s selector [] may also be implemented on the at least one wagering terminal in addition to or substitute of the quick pick race contestant s selector provided at the race providing system. In a variation, the quick pick race contestant s selector [] may be configured to determine a number of sets of quick pick race contestant s using a number of different race contestant selection algorithms.

The quick pick race contestant s selector may be configured to use a different race contestant selection algorithm from among various algorithms that can be provided within the system whenever a reselection command is received from an at least one wagering terminal in order to provide one or more new sets of quick pick race contestant s to that wagering terminal. In FIG. The CPU may facilitate the operation of the race providing system including executing processor instructions defining the quick pick race contestant s selector and the wager processor The CPU may also facilitate, where applicable, the determination of one or more least chosen race contestants for a wager type, particularly the one or more race contestants for a wager type that will yield a payout of the entire pool, as described in more detail below.

Turning now to FIG. The ticket dispensing device is optional, as the player may remain at the terminal , or other accounting systems that track player use, winnings and losses. Such an account may be set-up, for example, manually with a clerk of the establishment controlling the at least one wagering terminal [] or electronically by the user through telephone or the Internet.

The kiosk is dedicated to wagering account set-up and provides a number of options on how to set-up the wagering account. For example, the user, or a person facilitating account set-up for the user, can manually enter the necessary information into screens of the kiosk or supply a completed form into the kiosk which is read by optical character recognition hardware and software of the kiosk.

Once the wagering account application is accepted, a wagering card or access number may be issued by the kiosk. The access may be limited to the actual amount in the account or may be debited to other accounts e. Referring to FIG.

The account processor may include a network connection to an account management system and optionally a credit database, and a central processing unit CPU in communication with the various devices noted above.

The processor may also include a memory in communication with the CPU The memory may comprise account set-up software to facilitate wagering account set-up. The kiosk may be of the same or similar design as the wagering terminal depicted in FIGS. If the user inserts a completed application for which copies of blank applications should be available with or near the kiosk , the OCR reader scans the application form and collects all relevant information from the form.

The kiosk will confirm the information with the user through a screen presented on the kiosk's display and prompt the user for any missing or illegible information from the application. Optionally, the kiosk may request the insertion of a drivers license or credit card into a card reader of the kiosk or request a social security number, password, PIN number or other identifier for validation of wagering account set-up.

The kiosk may also request a deposit of value into the wagering account through, for example, the insertion of an ATM card or credit card into a card reader of the kiosk. When the wagering account set-up is successful, a wagering card is dispensed by the kiosk. The user can use the wagering card and, optionally, a personal identification number PIN provided by the kiosk, to immediately begin wagering at, for example, a wagering terminal. The completed application may include a signature and the kiosk collects the hard copy applications for later retrieval.

The hard copy application form may be used as a permanent record of the user's agreement to the terms and conditions of the wagering account and of the user's eligibility for the wagering account. Alternatively, the wagering card may be mailed or separately delivered to the user.

Further, a separate wagering account set-up confirmation may be sent to the user by mail, fax, e-mail, etc. In an embodiment, the screens request substantially the same information as on the wagering account application. The kiosk may provide a digitizing tablet to capture a user's signature or fingerprint, or in the future, retinal scans, in order to complete wagering account set-up.

Once the screens are completed and the signature is provided, the account may then be validated and set-up through, for example, a connection to a credit database. Optionally, the kiosk may request the insertion of a drivers license or credit card into a card reader of the kiosk or request a social security number or other identifier for validation of wagering account set-up.

When the wagering account set-up is successful, a wagering card may be dispensed by the kiosk. The digitized signature may be used as a permanent record of the user's agreement to the terms and conditions of the wagering account and of the user's eligibility for the wagering account. Other accessing formats described herein or acceptable to the field would also be useable by the player user.

The currency receiver allows the user to supply the monetary or other credit value needed to place a wager and may also be used to credit monetary or other credit value to a user's account, for example, stored on a card. The currency dispensing device may facilitate the payout to the user of a winning wager or the withdrawal of currency from the user's account.

Internal controls are established to ensure that the cash on hand in the at least one wagering terminal, the amount of cash withdrawal and the physical access to the wagering terminal is adequately secured. For example, the race providing system may provide facilities to access user accounts including the ability to credit and debit the user's account, to receive account information requests from the at least one wagering terminal, verify access to an account by a user using the at least one wagering terminal, etc.

Alternatively, another system connected to the at least one wagering terminal may provide such access to user accounts such as credit card merchant services. The user accounts may be accounts specifically set up for wagering or may be general accounts not necessarily maintained at the race providing system such as credit or bank accounts. The financial account would be similar or identical to a traditional bank or other account.

The financial account information will automatically be associated to the user's wagering account information for the purpose of making withdrawals and deposits. Appropriate transaction processing is provided to the at least one wagering terminal, sign-up kiosk, etc. Such transaction processing can be, for example, provided by a race providing system, a hub or account wagering clearing services described in more detail below, or some other financial transaction processing system.

Further, there are currently a variety of account wagering suppliers in the U. Each account wagering supplier maintains ownership of their wagering account records and is responsible for reporting and reconciling wagering activity through an aggregation function such as the Inter-Tote Service Protocol ITSP.

Account wagering is provided at, for example, race event tracks, off-track betting facilities, telephone betting facilities and Internet betting facilities. Account wagering is also facilitated in the at least one wagering terminal in accordance with an embodiment of the present invention. However, the variety of account wagering offerings presents a less than ideal solution to a user because of the inconvenience of maintaining several accounts with different account wagering suppliers each with different restrictions and minimum balance requirements.

The reasons for fragmentation in account wagering services supply include account wagering suppliers' need to own their customer data, account wagering suppliers' need to control the quality of account wagering service to their customers, variations in the rules governing account wagering from jurisdiction to jurisdiction, tote companies having incompatible account wagering interface formats, and account wagering suppliers and other stakeholders competition to control account wagering services.

It is desirable for the present system to have the protocols available to access these tote systems, rather than establishing an independent tote system, but the latter is also an option. So, according to at least one embodiment of the invention, there is provided a method and system of increasing collaboration between account wagering suppliers to a user location.

Advantages of increased collaboration between account wagering suppliers include improved user experience and de-fragmentation of the account wagering environment. The method and system according to an embodiment of the present invention includes a universal wagering card, a portable card reader module, an account wagering clearance service and a business model to provide incentives to wagering account suppliers to accept each others account wagering cards.

As will be apparent to those skilled in the art, sub-combinations of these aspects may be provided. A first aspect is the creation and branding of a universal wagering card. For example, the universal wagering card aims to resolve a problem in the racing industry that wagering cards are associated with specific race event tracks and typically cannot be used at different race event tracks. The lack of a portable wagering card poses problems when a user wants to move between or to new race event tracks.

This problem may be significant for account based wagering using the at least one wagering terminal in accordance with an embodiment of the present invention because the at least one wagering terminal may be available at a variety of locations including at race event tracks. Requiring a user to manage numerous different wagering cards could turn a user away from account wagering and using the at least one wagering terminal.

The universal wagering card UWC is a wagering card that allows additional account wagering capabilities. In particular, the UWC will essentially be a debit card authorized for account based wagering. In order to meet this need, the UWC will have, in an embodiment, certain features. First, the UWC must have credibility. The card should be prestigious in nature so that users demand it. A gold or platinum card is attractive compared to the existing mag-stripe cards.

Further, the UWC should offer benefits over a regular wagering card, such as rebates or prizes. Further, the UWC should be secure. The UWC should be tied to a trusted account management facility TAM via, for example, secure web services and support secure public key communications. In an embodiment, the at least one wagering terminal according to an embodiment of the present invention may be interfaced to the TAM via a VPN concentrator described in more detail below. Additionally, the UWC should have acceptance.

The UWC will be accepted at wagering terminals located at other than a race event track or an off-track betting location. The UWC will be accepted at Internet sites. If a card reader is not present, the wagering account number and PIN may be used and certain wagering restrictions may apply to ensure security.

The UWC will be accepted at race event tracks and off-track betting facilities where approved by that facility. Additionally, the wagering terminals should be able to accept traditional wager cards as well as the UWC, especially those wagering terminals at race event tracks and off-track betting locations. The wagering terminals may be configured to allow an account wagering supplier to supply a module to handle that wagering supplier's wagering card as discussed in more detail below in respect of the portable card reader module.

Account wagering suppliers and account wagering customers, such as race event tracks, off-site betting facilities, Internet sites, etc. An account wagering customer that issues a UWC to a user can receive a percentage of all transactions placed on that user's issued UWC.

An account wagering customer that accepts a UWC transaction can receive data on UWC users and transactions at that account wagering customer's facility. Also, the UWC card can ensure compliance with all racing regulations regarding deposits, withdrawals, etc.

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