§ 609a.19. Use of an electronic credit system for the processing of Counter Checks and customer deposits.
(a) A certificate holder may utilize an electronic credit system for the processing of Counter Checks and customer deposits. A certificate holder that utilizes an electronic credit system shall comply with § § 609a.1—609a.12, 609a.17 and 609a.18 unless otherwise provided in this section.
(b) A certificate holder that elects to utilize an electronic credit system shall submit internal controls specifying all of the following:
(1) Which positions, as described in the certificate holder’s jobs compendium, will have administrator, accounting and revenue audit, and cage function access to the electronic credit system, and the functions or permissions assigned to each of those roles. The certificate holder shall submit a narrative description of the permissions for each of the roles and the level of access assigned.
(2) Which positions will have permission to reset a patron’s personal identification number (PIN) as provided in subsections (d)(2) and (e)(1)(iii).
(3) How a patron’s credit information and limit established will be entered into the electronic credit system, ensuring compliance with the approval of credit limit requirements in § 609a.4 (relating to approval of credit limits).
(4) The flow of receipts and the reports generated through the revenue process.
(5) How a voided transaction in the electronic credit system will be processed, specifying which positions will have authority to void a transaction, ensuring that at least two employees with no incompatible functions process the void and that a detailed explanation for the void is recoded in the electronic credit system.
(6) How the certificate holder will ensure that redemption, partial redemption, substitution and consolidation of Counter Checks generated utilizing the electronic credit system complies with § § 609a.15(d) and (g) and 609a.16(e) and (f) (relating to redemption of Counter Checks; and substitution and consolidation of Counter Checks).
(7) If the certificate holder allows patrons to substitute or redeem Counter Checks through the mail, how the certificate holder will process those redemptions and substitutions utilizing the electronic credit system.
(8) How credit transactions will be processed and accurately record if the electronic credit system becomes inoperable.
(9) Which funds a patron is required to utilize first if the patron has an established credit line and has a customer deposit, as provided in subsection (e).
(c) Prior to implementing the electronic credit system, the certificate holder shall establish and receive approval from Board staff to conduct a test period of the new electronic credit system. The certificate holder shall maintain its current credit processing system and may not fully transition to the electronic credit system until full approval is granted by the Board’s Executive Director.
(d) To establish an electronic credit file for a patron, in addition to the requirements in § § 609a.3—609a.6:
(1) The credit department shall scan the patron’s valid picture identification into the electronic credit system for display when accessing a patron’s credit file.
(2) The patron shall establish a PIN to access credit, which must be an encrypted PIN.
(e) For customer deposits, if a certificate holder is utilizing the electronic credit system to allow patrons access to their customer deposits, the certificate holder shall comply with § 465a.23 (relating to customer deposits) and:
(1) If the patron with a customer deposit does not already have an electronic credit account established, a deposit account shall be established as follows:
(i) The requirements for establishing a credit account in § § 609a.3—609a.6 do not apply and a patron’s credit limit shall be set at $0.
(ii) The credit department shall scan the patron’s picture identification for display when accessing the patron’s deposited funds.
(iii) The patron shall establish a PIN to access the patron’s deposited funds.
(2) Customer deposits shall be completed at the cage by a cage cashier with no incompatible functions. Utilizing the portable device, the cashier shall:
(i) Login by entering the employee’s PIN.
(ii) Access the patron’s account in the electronic credit system by entering the patron’s account number or scanning the patron’s card.
(iii) Credit the patron’s account by the amount of the deposit.
(iv) Input the date and method of deposit (chips, gaming vouchers, cash, wire transfer, and the like).
(v) Have the patron enter his PIN and electronically sign verifying the accuracy of the transaction.
(vi) The cashier shall then electronically sign verifying the deposit.
(vii) A two-part deposit receipt evidencing the transaction shall be generated with one part provided to the patron and the other maintained in the cage cashier’s impressed inventory.
(f) For the issuance of Counter Checks and the withdrawal of customer deposits utilizing an electronic credit system, notwithstanding § 609a.14 (relating to issuance and reconciliation of Counter Checks), if the issuance or withdrawal is conducted:
(1) At a gaming table:
(i) A pit clerk or above shall use an approved portable device and:
(A) Login by entering the employee’s PIN.
(B) Access the patron’s electronic credit file by entering the patron’s account number or scanning the patron’s card.
(C) Verify the patron’s identity by comparing the patron’s appearance to the digital identification accessed from the electronic credit system.
(D) Enter or select the amount of credit or withdrawal requested.
(E) Have the patron enter his PIN and electronically sign verifying the accuracy of the transaction.
(ii) The dealer or boxperson shall then:
(A) Use the portable device and enter his PIN number.
(B) Verify the patron’s credit or withdrawal request, selecting the gaming table at which the patron has requested the credit or withdrawal and electronically sign the verification.
(C) After verifying the credit or withdrawal request, the dealer shall place the portable device displaying the amount of the Counter Check or customer withdrawal and the equivalent number of chips on the gaming tables so both are captured by surveillance.
(D) Distribute the chips to the patron, completing the credit transaction.
(iii) A document evidencing the credit or withdrawal transaction shall be generated and placed in the drop box.
(2) At the cage:
(i) A cage cashier shall use an approved portable device and complete the requirements in paragraph (1)(i)(A)—(E).
(ii) The cage supervisor shall then:
(A) Use the portable device and enter his PIN number.
(B) Verify the patron’s credit or withdrawal request and electronically sign the verification.
(C) After verifying the credit or withdrawal request, the cage supervisor shall place the portable device displaying the amount of the Counter Check or customer withdrawal and the equivalent in cash or a gaming voucher so both are captured by surveillance.
(D) Distribute the cash or gaming voucher to the patron, completing the credit or withdrawal transaction.
(iii) A document evidencing the credit or withdrawal transaction shall be generated and placed in the cashier’s impressed inventory.
(3) At a slot machine:
(i) A slot attendant shall obtain the amount of the requested Counter Check or customer withdrawal, the patron’s signature, asset number and the method of withdrawal (cash or gaming voucher) on a two-part request form and shall transport both copies of the request form directly to the cage cashier.
(ii) The cage cashier with no incompatible functions shall verify that there are sufficient funds in the patron’s credit or customer deposit account to satisfy the request.
(iii) The cage cashier processing the request shall disburse funds to the slot attendant, in the presence of a cage supervisor, and shall:
(A) Sign the request form.
(B) Maintain the original of the request form in the cashier’s impressed inventory.
(C) Provide the slot attendant with a portable device connected to the electronic system.
(D) Provide the duplicate of the request form to the slot attendant.
(iv) The slot attendant and cage supervisor shall transport the funds and the portable device to the patron at the slot machine. Prior to presenting the funds to the patron, the slot attendant and cage supervisor shall complete the procedures in paragraph (1)(i)(A)—(E) and (ii)(A) and (B).
(v) The slot attendant shall disburse funds requested by the patron and drop the duplicate copy of the request form in a locked accounting box.
(vi) If a transaction cannot be completed (patron changes his mind or changes the amount of credit or withdrawal requested), the slot attendant and cage supervisor shall return the funds and the request form to the cage cashier. The cage cashier shall clearly and conspicuously record ‘‘VOID’’ on the duplicate of the request form and maintain the document as part of his impressed inventory until forwarded to the accounting department for reconciliation with electronic credit system.
(vii) On a daily basis, the accounting department shall compare the original and duplicate request forms to the electronic credit system. Instances of irregularities of any kind or the misappropriation of funds shall be immediately reported to onsite casino compliance representatives.
(g) For the redemption and partial redemption of Counter Checks utilizing an electronic credit system:
(1) All redemptions and partial redemptions of electronically generated Counter Checks shall be initiated at the cage.
(2) If a patron has more than one unredeemed Counter Check, the most recently dated Counter Check shall be redeemed or partially redeemed first.
(3) When a patron partially redeems a Counter Check, the replacement Counter Check shall be dated with the same date as the Counter Check being redeemed.
(4) Notwithstanding § 609a.15, the full redemption of electronically generated Counter Checks shall be completed as follows:
(i) A cage cashier shall use a portable device and:
(A) Login by entering the employee’s PIN.
(B) Access the patron’s electronic credit file by entering the patron’s account number or scanning the patron’s card.
(C) Verify the patron’s identity by comparing the patron’s appearance to the digital identification accessed from the electronic credit system.
(D) Select the most recently dated Counter Check to redeem.
(E) Select or enter the redemption amount and the payment method, provided that payment with a personal check must be drawn on a bank account in the patron’s credit file as provided in § 609a.3(c)(4) (relating to application and verification procedures for granting credit).
(F) Verify that the total amount of an outstanding Counter Check matches the amount presented by the patron ensuring that the amount presented by the patron and the portable device displaying the amount of the Counter Check to be redeemed are captured by surveillance. The cage cashier shall then electronically sign the verification approving the redemption.
(ii) After placing the patron’s payment into the cage cashier’s impressed inventory, the cage cashier shall generate a two-part receipt documenting the redemption with one part provided to the patron and the other maintained in the cashier’s impressed inventory.
(5) Notwithstanding § 609a.15, the partial redemption of electronically generated Counter Checks shall be completed as follows:
(i) The cage cashier shall complete the procedures in paragraph (4)(i)(A)—(D).
(ii) After selecting the Counter Check to partially redeem, the cage cashier shall enter the partial redemption amount and the payment method ensuring that the amount presented by the patron and the portable device displaying the amount of the partial redemption are captured by surveillance. The cage cashier shall then electronically sign the verification approving the partial redemption and shall create an electronic Counter Check for the difference between the amount presented and the electronic Counter Check being partially redeemed.
(iii) After signing the portable device acknowledging completion of the partial redemption and placing the patron’s payment into the cage cashier’s impressed inventory, the cage cashier shall generate a two-part receipt documenting the partial redemption with one part provided to the patron and the other maintained in the cage cashier’s impressed inventory.
(h) For the substitution and consolidation of Counter Checks utilizing an electronic credit system:
(1) All substitutions and consolidations of electronically generated Counter Checks shall be initiated at the cage.
(2) Notwithstanding § 609a.16:
(i) To consolidate two or more Counter Checks, a cage cashier shall use an approved portable device and:
(A) Login by entering the employee’s PIN.
(B) Access the patron’s electronic credit file by entering the patron’s account number or scanning the patron’s card.
(C) Verify the patron’s identity by comparing the patron’s appearance to the digital identification accessed from the electronic credit system.
(D) Select the Counter Checks to be consolidated. The cage cashier shall then enter the employee’s PIN and electronically sign the verification approving the consolidation.
(ii) To substitute a Counter Check, a cage cashier shall use an approved portable device and:
(A) Login by entering the employee’s PIN.
(B) Access the patron’s electronic credit file by entering the patron’s account number or scanning the patron’s card.
(C) Verify the patron’s identity by comparing the patron’s appearance to the digital identification accessed from the electronic credit system.
(D) Select the Counter Check to substitute.
(E) A patron may substitute the Counter Check for an electronic Counter Check on a different account that has been verified and recorded in the patron’s electronic credit file in accordance with § 609a.3(c)(4) or may substitute for a personal check provided that the personal check is drawn on an account that has been verified and recorded in the patron’s credit file. If a patron provides a personal check, the cage cashier shall enter the transaction into the electronic credit system and place the personal check in the cage cashier’s impressed inventory.
(F) The cage cashier shall then electronically sign the verification completing the substitution.
(i) A certificate holder that utilizes an electronic credit system shall record each electronic Counter Check issued and Customer Deposit withdrawn at a gaming table on the Daily Banking Table Game Count Report required under § 465a.25 (relating to counting and recording of slot cash storage boxes and table game drop boxes).
Authority The provisions of this § 609a.19 issued under 4 Pa.C.S. § § 1202(b)(30), 1322, 13A02(1) and (2), 13A27, 1602, 1604 and 1608.
Source The provisions of this § 609a.19 adopted November 1, 2019, effective November 2, 2019, 49 Pa.B. 6676.
Cross References This section cited in 58 Pa. Code § 465a.23 (relating to customer deposits); and 58 Pa. Code § 465b.2 (relating to prepaid access instrument transactions—technical standard).
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