Service messaging system and method for a transaction machine

• US 10,522,007 B1
• Filed: 09/01/2017
• Issued: 12/31/2019
• 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 George, Moore, Alicia Yi-Ping, Schrag, Elizabeth
• Primary Examiner(s): Le, Thien M
• Application Number:
  US15/693,813
• Time in Patent Office: 851 Days
• Field of Search: 235379
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/201 Accessories of ATMs
• CPC Class Codes: G07F 19/202 Depositing operations within ATMs depositing in general G07D11/00
• CPC Class Codes: G07F 19/206 Software aspects at ATMs

Abstract

A method includes receiving identification information at a transaction machine, the identification information being associated with an account holder, accessing, using the identification information, activity profile information for the account holder, determining screen content for the transaction machine based on the activity profile information, and displaying the screen content to the account holder via a display screen of the transaction machine.

Claims

1. A method, comprising:

receiving identification information at a transaction machine, the identification information being associated with an account holder;

accessing, using the identification information, activity profile information for the account holder, the activity profile information retrieved from an account database of a banking computer system remote from the transaction machine, the activity profile information comprising information regarding transactions the account holder has performed at transaction machines during a predetermined preceding time period;

tabulating and ranking the transactions the account holder has performed at the transaction machines during the predetermined preceding time period according to a dollar amount and an account number of each of the transactions;

determining screen content for the transaction machine based on the activity profile information, wherein the screen content comprises a main menu, and wherein determining the screen content comprises personalizing the main menu based on the ranking of the transactions the account holder has performed at the transaction machines during the predetermined preceding time period; and

displaying the screen content to the account holder via a display screen of the transaction machine.

2. A method according to claim 1, wherein the activity profile information comprises information regarding activities of the account holder during prior transactions at transaction machines.

3. A method according to claim 1, wherein the activity profile information comprises information regarding types of transactions the account holder has previously performed at transaction machines.

4. A method according to claim 1, further comprising:

tracking information regarding types of transactions the account holder has previously performed at transaction machines; and

assigning the account holder to one of a plurality of personas based on the information regarding types of transactions the account holder has previously performed at transaction machines.

5. A method according to claim 4,

wherein determining the screen content comprises selecting a set of menu options to display to the account holder based on the assigned persona;

and

wherein displaying the screen content comprises displaying the selected set of menu options to the account holder.

6. A method according to claim 4,

wherein determining the screen content further comprises identifying a product purchased by other customers also having the assigned persona;

and

wherein displaying the screen content comprises displaying a menu option to purchase the identified product.

7. A method according to claim 1, wherein the activity profile information comprises an indication that the account holder has uploaded an image, and wherein displaying the screen content comprises displaying the image as a background.

8. A method according to claim 1, wherein the activity profile information comprises an indication whether the user has changed font sizes at the transaction machines, and wherein the screen content is determined so as to accommodate the selected font size.

9. A method according to claim 1, wherein during the determining step, the screen content is further determined based on a transaction machine location.

10. A method according to claim 9, wherein the transaction machine location is a location of a transaction machine that accepts envelope-free check deposits, wherein the activity profile information comprises an indication of a number of times the account holder has used transaction machines that accept envelope-free check deposits, and wherein the screen content includes instructions for the account holder regarding usage of the transaction machine to make an envelope-free check deposit.

11. A method according to claim 9, wherein the screen content comprises advertising for a business that is located near the transaction machine location.

12. A method according to claim 11, further comprising printing, on a transaction machine receipt provided to the account holder at the transaction machine, a coupon for the business that is located near the transaction machine location.

13. A method according to claim 1, wherein the activity profile information comprises an indication that the account holder specified a preference regarding whether account balances are displayed, wherein displaying the screen content comprises displaying the account balances depending on the preference specified by the account holder.

14. A method according to claim 1, wherein the identification information is received from a transaction card at the transaction machine, the transaction card being associated with the account holder using the transaction machine.

15. An automated teller machine system comprising:

a display; and

user interface logic communicably coupled to the display and configured to;

receive identification information associated with an account holder;

access activity profile information for the account holder using the identification information, the activity profile information retrieved from an account database of a banking computer system remote from the transaction machine, the activity profile information comprising information regarding types of transactions the account holder has most frequently performed at transaction machines, the activity profile information further comprising an indication whether the user has changed font sizes at transaction machines; and

determine screen content based on the activity profile information, the screen content comprising a main menu, wherein determining the screen content comprises personalizing the main menu based on the types of transactions the account holder has most frequently performed at transaction machines, and wherein the screen content is determined so as to accommodate a selected font size; and

wherein the display is configured to display the screen content to the account holder.

16. An automated teller machine system according to claim 15, wherein the activity profile information comprises information regarding activities of the account holder during prior transactions at transaction machines.

17. An automated teller machine system according to claim 15, wherein the activity profile information comprises information regarding types of transactions the account holder has previously performed at transaction machines.

18. An automated teller machine system according to claim 15, further comprising:

tracking information regarding types of transactions the account holder has previously performed at transaction machines; and

assigning the account holder to one of a plurality of personas based on the information regarding types of transactions the account holder has previously performed at transaction machines.

19. An automated teller machine system according to claim 18,

wherein determining the screen content comprises selecting a set of menu options to display to the account holder based on the assigned persona;

and

wherein displaying the screen content comprises displaying the selected set of menu options to the account holder.

20. An automated teller machine system according to claim 18,

wherein determining the screen content further comprises identifying a product purchased by other customers also having the assigned persona;

and

wherein displaying the screen content comprises displaying a menu option to purchase the identified product.

21. An automated teller machine system according to claim 15, wherein the activity profile information comprises an indication that the account holder has uploaded an image, and wherein displaying the screen content comprises displaying the image as a background.

22. An automated teller machine system according to claim 15 wherein, during the determining step, the screen content is further determined based on a transaction machine location.

23. An automated teller machine system according to claim 22, wherein the transaction machine location is a location of a transaction machine that accepts envelope-free check deposits, wherein the activity profile information comprises an indication of a number of times the account holder has used transaction machines that accept envelope-free check deposits, and wherein the screen content includes instructions for the account holder regarding usage of the transaction machine to make an envelope-free check deposit.

24. An automated teller machine system according to claim 22, wherein the screen content comprises advertising for a business that is located near the transaction machine location.

25. An automated teller machine system according to claim 24, further comprising printing, on a transaction machine receipt provided to the account holder at the transaction machine, a coupon for the business that is located near the transaction machine location.

26. An automated teller machine system according to claim 15, wherein the activity profile information comprises an indication that the account holder specified a preference regarding whether account balances are displayed, and wherein displaying the screen content comprises displaying the account balances depending on the preference specified by the account holder.

27. An automated teller machine system according to claim 15, further comprising a transaction card reader configured to receive the identification information from a transaction card, the transaction card being associated with the account holder using the automated teller machine.