ATM customer messaging systems and methods

• US 10,482,529 B1
• Filed: 01/12/2018
• Issued: 11/19/2019
• Est. Priority Date: 04/07/2011
• Status: Active Grant

• Current Assignee: Wells Fargo Bank NA (Wells Fargo & Company)
• Original Assignee: Wells Fargo Bank NA (Wells Fargo & Company)
• Inventors: Velline, Jonathan, Goetz, Darren, Nguyen, Xuan, Agahi, Nahal
• Primary Examiner(s): Le, Thien M
• Application Number:
  US15/870,690
• Time in Patent Office: 676 Days
• Field of Search: 235379
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 30/0226 Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 50/01 Social networking
• CPC Class Codes: G07F 19/206 Software aspects at ATMs
• CPC Class Codes: H04L 63/102 Entity profiles

Abstract

Identification information for a first account holder at a financial institution is received. The first account holder is authenticated based on the identification information. A second account holder at the financial institution is identified as being known to the first account holder. Inputs are received from the first account holder to configure a message to be displayed to the second account holder. The message is displayed to the second account holder from the first account holder.

Claims

1. A method, comprising:

receiving identification information of a first account holder at a financial institution;

authenticating the first account holder based on the identification information;

identifying a second account holder at the financial institution as being known to the first account holder;

identifying a financial goal of the second account holder;

receiving inputs to configure a message to be displayed to the second account holder based on the financial goal, the inputs being received from the first account holder; and

displaying the message to the second account holder from the first account holder, the message being displayed based on the financial goal.

2. The method of claim 1, further comprising determining when the financial goal is achieved, and wherein the message is displayed to coincide with when the financial goal is achieved.

3. The method of claim 2, wherein achievement of the financial goal is determined based on an account balance of the second account holder.

4. The method of claim 3, wherein the financial goal is a savings goal of the second account holder.

5. The method of claim 1, further comprising prompting the first account holder to provide the inputs upon identifying the financial goal.

6. The method of claim 1, wherein the displaying step is performed at a time that is determined at least in part by an account balance of the second account holder.

7. The method of claim 1, wherein identifying the second account holder comprises accessing a social media website using login credentials of the first account holder.

8. The method of claim 1, wherein the displaying step is performed by an automated teller machine.

9. The method of claim 1, wherein the displaying step is performed by a mobile device of the second account holder.

10. The method of claim 1, wherein the financial goal is identified based on an online banking account of the second account holder.

11. The method of claim 1, wherein:

the step of receiving the identification information of the first account holder is performed by a card reader of an automated teller machine; and

the step of authenticating the first account holder based on the identification information is performed by authentication logic of the automated teller machine.

12. The method of claim 1, wherein the step of receiving the inputs to configure the message to be displayed to the second user is performed by event messaging logic of a bank computer system.

13. A method, comprising:

receiving identification information of a first account holder at a financial institution;

authenticating the first account holder based on the identification information;

identifying a second account holder at the financial institution as being known to the first account holder;

receiving inputs to configure a message to be displayed to the second account holder based on a personal event associated with the second account holder, the inputs being received from the first account holder;

detecting the personal event based on transaction activity of the second account holder; and

displaying the message to the second account holder from the first account holder, the message being displayed based on the transaction activity to coincide with the occurrence of the personal event of the second account holder.

14. The method of claim 13, wherein the transaction activity includes a location of one or more transactions of the second account holder, and wherein the personal event is detected based on the location of the one or more transactions.

15. The method of claim 14, wherein the message is displayed based on the location of the one or more transactions.

16. The method of claim 14, wherein the personal event is travel by the second account holder, wherein the travel is detected based on the location of the one or more transactions, and wherein the message is displayed to coincide with the travel.

17. The method of claim 16, wherein travel is detected based on one or more transactions in a different state than the state in which the second account holder lives.

18. The method of claim 13, further comprising prompting the first account holder to provide the inputs upon detecting the personal event.

19. The method of claim 13, wherein identifying the second account holder comprises accessing a social media website using login credentials of the first account holder.

20. The method of claim 13, wherein the displaying step is performed by an automated teller machine.

21. The method of claim 13, wherein the displaying step is performed by a mobile device of the second account holder.

22. The method of claim 13, wherein:

the step of receiving the identification information of the first account holder is performed by a card reader of an automated teller machine; and

the step of authenticating the first account holder based on the identification information is performed by authentication logic of the automated teller machine.

23. The method of claim 13, wherein the step of receiving the inputs to configure the message to be displayed to the second user is performed by event messaging logic of a bank computer system.