The alleged invention relates to a wagering game network where mobile phones are used to transfer funds to gaming machines in casinos. In particular, it allows payments to be made to a gaming machine either before or after the player has signed onto the machine. The Hearing Officer found that the actual contribution of the invention related entirely to a method of doing business, which as it was implemented by a computer, also related to a computer program, as such. The invention was therefore excluded by section 1(2) and the application was refused.