Automated method and system for enrollment
First Claim
1. A method for customer enrollment at an automated terminal, comprising:
- (a) receiving input of an identifier from a prospective customer at the terminal;
(b) using the identifier to query a database containing consumer credit information;
(c) if the identifier is associated with a unique record in the database, retrieving items of information associated with the identifier from the database;
(d) posing one or more questions using the information from the database as the answers to the questions;
(e) receiving from an input device of the automated terminal a response to each question from the customer;
(f) determining if each response given by the customer matches the answers from the information from the database; and
(g) if a predetermined minimum number of matching answers are given, approving the customer for a transaction to be conducted at the automated terminal.
11 Assignments
0 Petitions
Accused Products
Abstract
A method for customer enrollment at an automated terminal such as an ATM includes, as consecutive steps, receiving input of an identifier from a prospective customer at the terminal, using the identifier to query a database containing consumer credit information, if the identifier is associated with a unique record in the database then retrieving items of information associated with the identifier from the database, posing one or more questions using the information from the database as the answers to the questions, receiving from an input device of the automated terminal a response to each question from the customer, determining if each response given by the customer matches the answers from the information from the database, and if a predetermined minimum number of matching answers are given, approving the customer for a transaction (such as cashing a check) to be conducted at the automated terminal. The invention further provides a system for carrying out such a method, which systems includes an automated terminal have a keyboard that can receive input of the identifier from a prospective customer at the terminal and a screen for displaying information to the customer, together means such as software for effecting the subsequent steps of the method.
31 Citations
11 Claims
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1. A method for customer enrollment at an automated terminal, comprising:
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(a) receiving input of an identifier from a prospective customer at the terminal;
(b) using the identifier to query a database containing consumer credit information;
(c) if the identifier is associated with a unique record in the database, retrieving items of information associated with the identifier from the database;
(d) posing one or more questions using the information from the database as the answers to the questions;
(e) receiving from an input device of the automated terminal a response to each question from the customer;
(f) determining if each response given by the customer matches the answers from the information from the database; and
(g) if a predetermined minimum number of matching answers are given, approving the customer for a transaction to be conducted at the automated terminal. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A system for customer enrollment, comprising:
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an automated terminal have a keyboard that can receive input of an identifier from a prospective customer at the terminal and a screen for displaying information to the customer;
means for using the identifier to query a database containing consumer credit information;
means for retrieving items of information associated with the identifier from the database if the identifier is associated with a unique record in the database;
means for posing one or more questions on the screen using the information from the database as the answers to the questions;
means for receiving from the keyboard a response to each question from the customer;
means for determining if each response given by the customer matches the answers from the information from the database; and
means for approving the customer for a transaction to be conducted at the automated terminal a predetermined minimum number of matching answers are given. - View Dependent Claims (9, 10, 11)
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Specification