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Method of conducting a baccarat gameRelated Patent Categories: Amusement Devices: Games, Card Or Tile Games, Cards Or Tiles ThereforMethod of conducting a baccarat game description/claimsThe Patent Description & Claims data below is from USPTO Patent Application 20070075495, Method of conducting a baccarat game. Brief Patent Description - Full Patent Description - Patent Application Claims
FIELD OF THE INVENTION [0001] The present invention relates to card games. Specifically, the present card game is a method of playing a card game between at least one player and a banker using conventional playing cards in which a subset of a quantity of dealt cards are selected to form a final hand for a player and a banker. BACKGROUND OF THE INVENTION [0002] Casino games include many subsets of games. In one subset, players wager on which of two or more hands will win. For example, Baccarat is a live table game that uses a standard deck of fifty-two playing cards. The object of Baccarat is for a player to successfully wager on which of two hands, designated the Bank hand and the Player hand, is going to win. The player is paid even money for the wager if he or she wagers on the winning hand and loses the wager if he or she selects the losing hand. [0003] Play of Baccarat is commenced after all wagers are made by dealing two cards to the Bank position and two cards are dealt from the shoe to the Player position on the table layout. The cards are turned face up and the values of the Bank hand and the Player hand is determined by summing the face values of the cards in each hand, with Aces counting as one, and pictures counting as zero. If the sum of the cards are added together, the total of the hand exceeds nine, then the hand value is determined modulo ten. In other words, all hand values range from a low of zero to a high of nine. For example, a seven and a eight total fifteen, but the hand value is five. An Ace and a nine total ten, but the hand value is zero. Whichever of the Bank hand or the Player hand is closest to a total of nine is the winner. [0004] Depending on the point total of the initial Player hand and the initial Bank hand, one more card may be dealt to either the Player hand, the Bank hand or both. The rules for determining whether a third card is dealt are fixed; that is, there is no discretion for either the Player hand or the Bank hand on whether a third card is dealt. [0005] Rule #1: If either the initial two card Player hand or the initial Banker two card hand has a point total of 8 or nine, both Player and Banker must stand and the winner is determined with no additional cards being dealt. Else, the play proceeds to Rules #2 thru #4. [0006] Rule #2: If the initial two card Player hand has a point total of 0, 1, 2, 3, 4 or 5, the Player hand draws a third card. If the initial two card Player hand has a point total of 6 or 7, the Player hand stands and does not receive a third card. [0007] Rule #3: If the Player hand stands and does not draw a third card, then the Bank hand follows Rule #1. In other words, if the Player hand has a point total of 6 or 7, the Bank hand draws a third card on a point total of 0, 1, 2, 3, 4 or 5 and the Bank hand stands on a point total of 6 or 7. [0008] Rule #4: If the Player hand draws a third card, the Bank hand must draw or stand as follows: TABLE-US-00001 Bank hand two Bank hand STANDS card point Bank hand DRAWS when the when the Player's total: Player's hand third card is: hand third card is: 0, 1, or 2 Bank always draws 3 0, 1, 2, 3, 4, 5, 6, 7 or 9 8 4 2, 3, 4, 5, 6 or 7 0, 1, 8 or 9 5 4, 5, 6 or 7 0, 1, 2, 3, 8 or 9 6 6 or 7 0, 1, 2, 3, 4, 5, 8 or 9 7 Bank always stands [0009] At the end of each hand, winning wagers are paid and losing wagers are collected by the house. Any commission due to the house is marked in commission boxes in the center of the table. [0010] One drawback of Baccarat is that the draw rules are fixed. That is, as discussed above, there is no discretion in when a player may draw and when a player may stand. In effect, once the player has placed the initial wager, the hand is over and the result determined. It just takes a little time to figure out what it is. Many players dislike this lack of interactivity in Baccarat. [0011] Additionally, all the wagers of Baccarat are mutually exclusive. That is, a player only has three mutually exclusive choices: Player, Bank, or Tie. Thus, when one player wagers on Bank and another player wagers on Player, the two players are playing against each other despite the fact that neither has a hand of his or her own. [0012] There is therefore a need for an enhancement to the wagering and play of Baccarat which would permit a play to remain involved in the play and the results after the initial cards are dealt, and to permit players to have different, non-conflicting, wagers, such that both could win, although on different bases. SUMMARY OF THE INVENTION [0013] A card game is played between at least one player and a banker using one or more decks of conventional playing cards. In a first aspect of the present invention, the game begins with each player specifying an initial game wager and whether that wager will be placed on the banker hand or the player hand. A banker hand and a player hand are dealt with at least one card exposed in each hand. Optionally, the initial player hand includes two exposed cards and the initial banker hand includes one exposed card and one unexposed card. Hand are valued by adding the face values of the component cards, modulo ten, with Aces having a value of one, and face cards and tens having a value of zero. [0014] In an optional embodiment, if the sum of the cards initially dealt to the player hand, e.g. the initial player hand, is a predetermined natural sum, no additional cards are dealt to the player hand or the banker hand. A reward is issued to players placing a player hand wager if the sum of the playing cards in the banker hand are less than the predetermined natural sum. If the sum of the playing cards in the banker hand is equal to the predetermined natural sum which is the sum of the cards initially dealt to the player hand, a tie results. A tie could result in a push, or could be resolved in favor of the player or the banker according to a predefined tie resolution procedure. [0015] In an optional embodiment, if the sum of the cards initially dealt to the banker hand, e.g. the initial banker hand, is a predetermined natural sum, no additional cards are dealt to the player hand or the banker hand. Player hand wagers are collected if the sum of the playing cards in the player hand are less than the predetermined natural sum. Any player hand wagers are returned if the sum of the playing cards in the player hand Optionally, if the sum of the playing cards in the banker hand is equal to the predetermined natural sum which is the sum of the cards initially dealt to the player hand, a tie results. In such an optional embodiment, the tie may result in a push, or may be resolved according to a predefined tie resolution procedure. [0016] In an optional embodiment, if the sum of the playing cards initially dealt to the player hand, e.g. the initial player hand, is a predetermined stand sum, no additional cards are dealt to the player hand such that player hand wagers. That is, where the sum of the initial player hand is a predetermined stand sum, the initial player hand is the final player hand. Player hand wagers are resolved by comparing the sum of the final player hand to the sum of the final banker hand. A a reward is issued to the player if the sum of the final player hand is closer to a predetermined target sum than the sum of the final banker hand. The player's wager is forfeited if the sum of the final banker hand is closer to the predetermined target sum that the sum of the final player hand. A tie results, and is resolved according to predetermined tie resolution procedures if the sum of the final banker hand differs from said the predetermined sum by the same amount as the final player hand. [0017] In an optional embodiment, if the sum of the playing cards initially dealt to the player hand, e.g. the initial player hand, is a predetermined hit sum, at least one additional playing card is revealed so that the final player hand includes the initial player hand and at least one additional playing card. Player hand wagers are resolved by comparing the sum of the final player hand to the sum of the final banker hand and issuing a reward to the player if the sum of the final player hand is closer to a predetermined target sum than the sum of the final banker hand is. Optionally, the player hand wager is forfeited if the sum of the final banker hand is closer to the predetermined target sum than the sum of the final player hand is. In an optional embodiment, ties may be a push, or may be resolved in favor of the player or the banker according to a predefined tie resolution procedure. [0018] If the sum of the cards initially dealt to the player hand, e.g. the initial player hand, is a predetermined player-option sum, each player who placed a player hand wager has the option to designate the quantity of cards used in resolving the player's player hand wager. In one optional embodiment, this means the player designates whether the initial player hand or the initial hand in combination at least one additional revealed playing card will be the final player hand. It is this player-designated final player hand that will be compared to the banker hand in resolving the player's player hand wager. At least one additional card is revealed in the player hand so that a final player hand includes the initial player hand plus at least one additional card. A reward is issued to players placing a player hand wager if the sum of the player-elected quantity of playing cards in the final player hand are closer to a predetermined target sum than the sum of the playing cards in the banker hand is. Optionally, the player wager is forfeited if the sum of the final banker hand is closer to the predetermined target sum than the sum of the player-elected quantity of cards in the player hand is. In an optional embodiment, ties may be a push, or may be resolved in favor of the banker or the player according to a predefined tie resolution procedure. For example, if the player elected to designate the initial player hand as the final player hand, the sum of the initially dealt cards of the initial player hand is compared to the sum of the final banker hand; whereas if the player elected to designate the initial player hand plus at least one additional playing card as the final player hand, the sum of the initially dealt playing cards plus at least one additional playing card dealt to the player hand is compared to the sum of the final banker hand. [0019] In one optional embodiment, banker hand wagers are resolved by comparing the final player hand to the final banker hand. If the sum of the final banker hand is closer to a predetermined target sum than the final player hand is, wagers upon the banker hand may be rewarded. [0020] Optionally, in the event of ties, hand wagers may be resolved using the sum of each of the final player hand and final banker hand. In one optional embodiment, if the banker hand and player hand tie with each having a sum of zero or one, the hand wager forfeited; whereas if the banker hand and player hand tie with any other sum, the hand wager is returned, i.e. a push occurs. In other optional embodiments, a greater or less number of sums may result in a forfeiture or different tie values may be selected. Alternatively, an altogether different tie resolution procedure may be used. [0021] In an optional embodiment, a tie wager may be offered in certain circumstances where the sum of the initial player hand is a predetermined tie sum and the exposed card of the initial banker hand is a predetermined tie card. For each player placing a tie wager, if the sum of the playing cards of the banker hand is equal to a predetermined natural sum, the player's tie wager is returned. If the sum of the playing cards of the final player hand is equal to the sum of the playing cards of the final banker hand, a reward is issued to the player. If the sum of the playing cards of the final player hand is unequal to the sum of the playing cards of the final banker hand, the player's tie wager is collected. Continue reading about Method of conducting a baccarat game... Full patent description for Method of conducting a baccarat game Brief Patent Description - Full Patent Description - Patent Application Claims Click on the above for other options relating to this Method of conducting a baccarat game patent application. ###  How KEYWORD MONITOR works... a FREE service from FreshPatents1. Sign up (takes 30 seconds). 2. Fill in the keywords to be monitored. 3. Each week you receive an email with patent applications related to your keywords. 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