Method and apparatus for conducting transactions on an automated teller machine
First Claim
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1. A method for presenting a show on an automated teller machine (ATM), said method comprising the steps of:
- providing access to a memory area containing a plurality of show elements;
associating a subset of said plurality of show elements with a market category;
in response to activation of said ATM by a user associated with said market category;
selecting one or more show elements from said subset to form a playlist;
and displaying said one or more show elements identified by said playlist to said user.
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Abstract
Method and apparatus for conducting transactions on an automatic teller machine (ATM). A World Wide Web-enabled ATM provides messages, services and advertisements that are personalized and specifically targeted to the ATM user or that ATM user'"'"'s market segment. The invention provides differentiated services to individual customers, targeted advertising to individuals and customer segments, quick transactions based on user-defined preferences, and customer-initiated electronic mail communication, which facilitates further marketing and sales activities related to the targeted advertisements.
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Citations
39 Claims
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1. A method for presenting a show on an automated teller machine (ATM), said method comprising the steps of:
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providing access to a memory area containing a plurality of show elements;
associating a subset of said plurality of show elements with a market category;
in response to activation of said ATM by a user associated with said market category;
selecting one or more show elements from said subset to form a playlist;
and displaying said one or more show elements identified by said playlist to said user. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27)
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28. A method of dispensing cash from an automated teller machine (ATM), said method comprising:
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retrieving a set of user preferences from a memory area in response to an insertion of an access card into said ATM by a user;
receiving input from said user, wherein said input consists of a personal identification number and a transaction mode entered by said user in response to instructions displayed on a single display screen; and
dispensing said cash to said user. - View Dependent Claims (29)
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30. A method of withdrawing cash from an automated teller machine (ATM) consisting of:
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inserting an access card into said ATM;
providing a personal identification number and a transaction mode in response to a query consisting of a single display screen;
receiving said cash; and
retrieving said access card.
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31. A method of withdrawing cash from an automated teller machine (ATM) consisting of:
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inserting an access card into said ATM;
providing a personal identification number and a transaction mode in response to a query consisting of a single display screen;
receiving said cash;
retrieving said access card; and
receiving a receipt.
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32. A method of obtaining a statement from an automated teller machine (ATM) consisting of:
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inserting an access card into said ATM;
providing a personal identification number and a transaction mode in response to a query consisting of a single display screen;
receiving a printout from said ATM containing said statement; and
retrieving said card.
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33. A method of conducting a transaction on an automated teller machine (ATM) comprising:
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(a) displaying a show in response to activation of said automated teller machine (ATM) by a user; and
(b) performing at least one of the following substeps while carrying out step (a), wherein none of the substeps performed in step (b) are interrupted or delayed due to the performance of step (a);
(1) prompting said user to enter a personal identification number, (2) prompting said user to select a transaction mode, (3) prompting said user to select an account, (4) processing a transaction request initiated by said user, (5) displaying a transaction request result, (6) dispensing an access card, and (7) dispensing a receipt.
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34. An apparatus for presenting a show on an automated teller machine (ATM), comprising
a memory area containing a plurality of show elements; -
a processor that monitors activity on said ATM;
wherein said processor, in response to activation of said ATM by a user associated with a market category, retrieves one or more of said plurality of show elements from said memory area, and presents said show elements to said user. - View Dependent Claims (35, 36, 37, 38)
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39. An apparatus for transmitting advertisements to an automated teller machine (ATM), comprising:
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a first memory area containing a plurality of advertisements;
a second memory area containing a link that associates one or more of said plurality of advertisements with a user; and
a processor, responsive to activation of said ATM by said user, that retrieves one or more of said plurality of advertisements from said first memory area based on said link, and transmits said one or more advertisements to said ATM.
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Specification