Gaming systems, devices, and methods are described for enabling wager gaming with a gaming operator using a game cartridge, such as a USB key, and game storage medium, such as a DVD. The cartridge and disc are inserted into a video game console and a connection with the gaming operator is made via the Internet. Once a connection is made and the identity of the game cartridge user has been verified and authenticated, the user can begin wager game play. Game play data are transmitted between the console and the gaming operator in an encrypted format. An encryption key is transmitted to the gaming operator via a digital certificate stored on the cartridge which has the corresponding private key. The game cartridge is capable of capturing a biometric sample of the user which is compared to a sample provided when the cartridge was issued to the user.