A disclosed authentication instrument is used to authorize various services at a hotel-casino complex, such as but not limited to in-room gaming, in-room sports wagering, room access, safe access, mini-bar access, Electronic Fund Transfers (EFT), player tracking services and in-room entertainment services (e.g., video games and movie channels). A smart card, an electronic token and a magnetic striped card are examples of hardware that may be used as authentication instruments. For in-room gaming, the authentication instrument may be used to authorize, in a secure and legal manner, in-room game play sessions on an entertainment terminal connected to a remote gaming machine.