Smart chaining

• US 10,592,878 B1
• Filed: 09/21/2018
• Issued: 03/17/2020
• 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: Thomas, Michael R., Schrag, Elizabeth, Wang, Jimmy C., Rhodes, Jerome
• Primary Examiner(s): Le, Thien M
• Application Number:
  US16/138,740
• Time in Patent Office: 543 Days
• CPC Class Codes: G06K 19/10 at least one kind of marking being used for authentication, e.g. of credit or identity cards verification of coded identity or credit cards in mechanisms actuated by them G07F7/12
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/34 using cards, e.g. integrated circuit [IC] cards or magnetic cards
• 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

Identification information is received from a transaction card at a transaction machine. The transaction card is associated with an account holder using the transaction machine and includes a transaction card type. Using the identification information, activity profile information is accessed for the account holder. The account holder'"'"'s transaction machine usage is monitored and activity profile information related to the account holder'"'"'s transaction machine usage is stored. A custom sequence of user interfaces to be displayed to the account holder is generated based on the transaction card type.

Claims

1. A method comprising:

receiving identification information from a transaction card at a transaction machine, the transaction card including a transaction card type, the transaction card associated with an account holder using the transaction machine, the account holder associated with an account at a financial institution;

monitoring the account holder'"'"'s transaction machine usage;

storing activity profile information related to the account holder'"'"'s transaction machine usage in an account database of a financial institution computing system of the financial institution; and

generating, by the transaction machine, a custom sequence of user interfaces to be displayed to the account holder based on the activity profile information and the transaction card type.

2. The method of claim 1, wherein the transaction card type includes at least one of a credit card, a debit card, and a stored value card.

3. The method of claim 1, wherein generating the custom sequence of user interfaces comprises determining whether to permit the account holder to make chained transactions without re-authenticating based on the account holder'"'"'s activity profile information.

4. The method of claim 3, wherein the transaction machine automatically ejects the transaction card after a single transaction is performed.

5. The method of claim 3, wherein the activity profile information comprises sequencing information based on the account holder attempting multiple transactions during previous transaction machine sessions.

6. The method of claim 5, further comprising:

providing an option on one of the user interfaces that allows the account holder to change a setting relating to the custom sequence of user interfaces, wherein the setting allows the account holder to make multiple transactions during a transaction machine session.

7. The method of claim 1, further comprising:

transmitting a notification to the account holder prior to a change occurring to the account holder'"'"'s activity profile information.

8. The method of claim 1, wherein the custom sequence of user interfaces to be displayed to the account holder is based on a location of the transaction machine.

9. An automated teller machine comprising:

a display configured to display screen content;

a dispensing device configured to dispense currency;

a transaction card reader receiving identification information from a transaction card, the transaction card being associated with an account holder for using with the automated teller machine;

a user interface generation logic configured to access activity profile information of the account holder, initiate a transaction machine session, and monitor the account holder'"'"'s transaction machine usage;

a data storage system configured to store activity profile information related to the account holder'"'"'s transaction machine usage; and

the user interface generation logic configured to generate a sequence of user interfaces based on the transaction card.

10. The automated teller machine of claim 9, wherein the activity profile information includes information relating to the account holder making multiple transactions during previous transaction machine sessions.

11. The automated teller machine of claim 9, wherein the transaction machine automatically ejects the account holder'"'"'s transaction card and ends the transaction machine session after a single transaction is performed.

12. The automated teller machine of claim 9, wherein the sequence of user interfaces is based on an initial transaction type made during the transaction machine session.

13. The automated teller machine of claim 12, wherein the user interface generation logic is further configured to generate an option for the account holder to change a setting relating to the account holder'"'"'s activity profile information, wherein the setting allows the account holder to make multiple transactions during the transaction machine session.

14. The automated teller machine of claim 9, further comprising:

alert generation logic configured to transmit a notification to the account holder prior to a change occurring to the account holder'"'"'s activity profile information.

15. The automated teller machine of claim 9, wherein the sequence of user interfaces is based on the location of the transaction machine.

16. The automated teller machine of claim 9, wherein the transaction card type includes at least one of a credit card, a debit card, and a stored value card.

17. A method comprising:

receiving identification information from a transaction card at a transaction machine, the transaction card including a transaction card type, the transaction card associated with an account holder using the transaction machine;

accessing, using the identification information, activity profile information for the account holder; and

ejecting the transaction card and ending the transaction machine session after a predetermined number of transactions, wherein the predetermined number of transactions is based on the transaction card type.

18. The method of claim 17, wherein the transaction card type includes at least one of a credit card, a debit card, and a stored value card.

19. The method of claim 17, wherein the activity profile information includes information relating to the account holder making multiple transactions during previous transaction machine sessions.

20. The method of claim 17, wherein the transaction machine automatically ejects the transaction card and ends the transaction machine session after a single transaction is performed.

21. The method of claim 17, further comprising:

transmitting a notification to the account holder prior to a change occurring to the account holder'"'"'s activity profile information.