Personalized bank teller machine

• US 20060038004A1
• Filed: 07/21/2005
• Published: 02/23/2006
• Est. Priority Date: 10/05/2001
• Status: Active Grant

• Current Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Original Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Inventors: Acharya, Ravi, Goldman, Dmitry, Rielly, William, Erlich, Leslie D.
• Granted Patent: US 7,822,684 B2
• Time in Patent Office: Days
• US Class Current: 235/379
• 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 30/0207 Discounts or incentives, e.g. coupons or rebates
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/201 Accessories of ATMs
• CPC Class Codes: G07F 7/1016 Devices or methods for securing the PIN and other transaction-data, e.g. by encryption arrangements for secret communication, see H04L9/00

Abstract

A system and method is provided for an ATM having a display, a logic server coupled to the display, and a memory coupled to the logic server. The logic server dynamically controls the functions available to the users including messages and coupons. A host contains a profile of a user. The memory, which is accessible to the logic server, may contain a profile of at least one user. A user card may contain a profile of the user. In operation, the ATM detects the a user'"'"'s card and requests the profile of the user whose card was detected from a host. The ATM then receives the user'"'"'s profile and stores the user'"'"'s profile in the ATM. The system and method also provides a cardless ATM in which a user logs on without a card. Additionally, system and method also provides ATM services via a personal device.

Claims

1. An automated Teller Machine (ATM) comprising:

a display;

a logic server coupled to the display, the logic server controlling the functions presented to the user on the display;

a memory coupled to the logic server; and

a host, the host capable of communicating with the logic server;

wherein the logic server dynamically modifies the functions presented to the user in response to the profile.

2. The ATM as recited in claim 1, wherein the memory has at least a portion of the profile of at least one user.

3. The ATM as recited in claim 1, wherein the host has contents comprising a profile of at least one user and wherein the logic server receives at least a portion of the profile from the host.

4. The ATM as recited in claim 1, further comprising:

a card, wherein the card has contents comprising a profile of at least one user and wherein the logic server receives at least a portion of the profile from the card.

5. The ATM as recited in claim 1, further comprising:

a machine interface, the machine interface providing an interface to physical devices in the ATM.

6. The ATM as recited in claim 5, further comprising:

a printer; and

a cash dispenser, wherein the machine interface receives a status of the printer and the cash dispenser.

7. The ATM as recited in claim 1, further comprising:

a host interface coupled to the logic server, wherein the host interface provides an interface to a host.

8. The ATM as recited in claim 1, wherein the profile contains a home bank of the user.

9. The ATM as recited in claim 8, wherein the logic server modifies the display to show a message that is based on the home bank of the user.

10. The ATM as recited in claim 9, wherein the logic server causes a message to be sent to the users that is based on the home bank of the user, wherein the message is selected from one of the following:

Internet message, phone message, email, regular mail.

11. The ATM as recited in claim 9, wherein the message shows services available from a bank providing the ATM.

12. The ATM as recited in claim 8, wherein the logic server causes the machine interface to cause to printer to print a coupon that is based on the home bank of the user.

13. The ATM as recited in claim 1, wherein the logic server causes the machine interface to cause to printer to print a coupon that is based on an associated merchant.

14. The ATM as recited in claim 1, wherein the logic server causes the display to offer a service that is offered by an associated merchant.

15. The ATM as recited in claim 1, wherein the logic server causes the display to offer a product that is offered by an associated merchant.

16. The ATM as recited in claim 8, further wherein if the home bank of the user is different than a bank providing the ATM, then the logic server modifies the display to show a message identifying products available from the providing bank but not available from the home bank.

17. The ATM as recited in claim 8, further wherein if the home bank of the user is different than a bank providing the ATM, then the logic server modifies the display to show a grid message identifying services available from the providing bank but not available from the home bank.

18. The ATM as recited in claim 9, wherein the message informs the user of a method of avoiding a fee associated with the ATM.

19. A method of operating an Automated Teller Machine (ATM) comprising:

detecting the user'"'"'s card;

requesting the profile of the user;

receiving the user'"'"'s profile;

storing the users profile; and

modifying the functions presented to the user in response to the profile.

20. The method of claim 19, wherein the user'"'"'s profile is received from a host.

21. The method of claim 19, wherein the user'"'"'s profile is received from a card.

22. The method of claim 19, wherein the user'"'"'s profile is received from a memory operably connected to the ATM.

23. The method as recited in claim 19, wherein the profile contains a home bank of the user.

24. The method as recited in claim 20, further comprising the step of:

displaying, at the ATM, a message that is based on the home bank of the user.

25. The method as recited in claim 20, further comprising the step of:

sending a message to be sent to the user that is based on the home bank of the user, wherein the message is selected from one of the following;

Internet message, phone message, email, regular mail.

26. The message as recited in claim 21, wherein the message shows services available from a bank providing the ATM.

27. The message as recited in claim 20, further comprising the step of:

printing a coupon that is based on the home bank of the user.

28. The method as recited in claim 20, further comprising the step of:

printing a coupon that is based on an associated merchant.

29. The method as recited in claim 20, further comprising the step of:

displaying an offer for a service that is offered by an associated merchant.

30. The method as recited in claim 20, further comprising the step of:

displaying an offer for a product that is offered by an associated merchant.

31. The method as recited in claim 20, further comprising the step of:

displaying a message identifying products available from the providing bank but not available from the home bank when the home bank of the user is different than a bank providing the ATM.

32. The method as recited in claim 20, further comprising the step of:

displaying a message identifying services available from the providing bank but not available from the home bank when the home bank of the user is different than a bank providing the ATM.

33. The ATM as recited in claim 21, wherein the message informs the user of a method of avoiding a fee associated with the ATM.

34. An automated Teller Machine (ATM) comprising:

a display;

a logic server coupled to the display, the logic server controlling the functions presented to the user on the display;

a memory coupled to the logic server, the memory having contents comprising a profile of at least one user; and

wherein the logic server dynamically modifies the functions presented to the user in response to the profile; and

wherein the user logs into the ATM without using a card.

35. A method of operating an Automated Teller Machine (ATM) comprising:

logging into the ATM without using a card;

requesting the profile of the user;

receiving the user'"'"'s profile;

storing the users profile; and

modifying the functions presented to the user in response to the profile.

36. An financial services system comprising:

a personal device having a transmitter and a receiver;

a user associated with the personal device;

a host associated with a financial institution; and

wherein the host transmits financial information to the user based on a request received from the user via the personal device.

37. The system of claim 36, wherein the host determines the identity of the users based on a registered address.

38. The system of claim 36, wherein the host determines the identity of the users based on information received from the user.