Source of the full name, unseen by me, was 'Wright's Chronological Bibliography of English Language Fiction in the Library of Congress through 1950 (Boston: G. K. Hall, 1974)'. Author is listed in the unknown nationalities section, nothing else known except her book, under a pseudonym, was published 1901 -
"Penelope Dalrymple
rn: Urania Burnett Sunderland. "That Wager of Dot's." Abbey
(NYC), 1901"
Indianapolis Journal, Volume 51, Number 322,Indianapolis, Marion County, 18 November 1901
has a list of recently published books including:
"The Wager of Dots,"
a story of American life, by Penelope Dalrymple.
Penelope aka Urania must have had experience of life in America.
Can't work out the significance of the title though