ATMemo

• US 20060249568A1
• Filed: 07/03/2006
• Published: 11/09/2006
• Est. Priority Date: 03/30/2004
• Status: Active Grant

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: Scanlon, Michael
• Granted Patent: US 8,033,453 B2
• Time in Patent Office: Days
• US Class Current: 235/379
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/201 Accessories of ATMs

Abstract

An ATMemo arrangement is disclosed. The arrangement allows an ATM to present a person'"'"'s own reminder memo to that person. A personal memo is authored by an ATMemo customer with a personal computer and then the memo is stored at a remote data store. The data store is accessible by an ATM network. The stored memo is associated with the customer and a display period. Any ATM in the network is operative to display the memo to the customer. Display of a stored memo at an ATM is based on valid customer identification, the memo'"'"'s display period, and the current date. The ATM accesses and displays the memo if both the ATM customer ID matches the memo author ID and the current date is within the time period for displaying the memo. The ATM can also print the memo on a transaction receipt.

Claims

1. A method comprising:

(a) storing in a data store at least one personal memo received from an individual, wherein each stored memo is associated with identification data and date data;

(b) receiving ATM user identification at an automated teller machine (ATM) including a cash dispenser and at least one computer, wherein the ATM is remotely located from the data store, wherein the ATM is operative to access data from the data store;

(c) operating the ATM to access at least one memo stored in step (a) to which both the associated identification data corresponds with the received ATM user identification and the associated date data and current date correspond; and

(d) outputting the at least one memo accessed in step (c) at the ATM.

2. The method according to claim 1 wherein the ATM includes at least one display screen, wherein step (d) includes operating an ATM display screen to display the at least one memo.

3. The method according to claim 2 wherein the ATM includes at least one printer, and further comprising

(e) operating a printer of the ATM to print at least one memo accessed in step (c).

4. The method according to claim 3 wherein the at least one printer includes a receipt printer, wherein step (e) includes printing at least one memo with the receipt printer.

5. The method according to claim 4 wherein step (e) includes printing at least one memo on a transaction receipt.

6. The method according to claim 2 wherein step (d) includes displaying at least one memo as a scheduled memo in a dated calendar displayed on a display screen of the ATM.

7. The method according to claim 1 wherein step (a) includes storing both a user identification and at least one date in correlation with each memo, wherein in step (c) the at least one memo is accessed responsive to both the user identification and the at least one date.

8. The method according to claim 7 wherein the at least one date includes a display date, wherein prior to step (c) further comprising

(e) comparing the display date to the current date.

9. The method according to claim 8 and further comprising

(f) displaying at the ATM all memos stored in step (a) that are associated with the current ATM user and have a display date that matches the current date.

10. The method according to claim 8 and further comprising

(f) displaying at the ATM all memos stored in step (a) that are associated with the current ATM user and have a display date within a predetermined time period after the current date.

11. The method according to claim 1 wherein prior to step (a), further comprising

(e) producing at least one personal memo with a personal computer during an online banking session;

(f) sending the at least one memo produced in step (e) from the personal computer to the data store.

12. The method according to claim 1 wherein prior to step (c),

(e) presenting a selectable user option at the ATM, wherein the option enables the ATM user to access at least one stored memo;

(f) receiving user input at the ATM corresponding to selection of the option,

wherein step (c) includes accessing at least one memo stored in step (a) responsive to the user identification and the user input.

13. The method according to claim 1 wherein the ATM includes at least one printer, wherein step (d) includes operating the ATM to print an accessed memo.

14. The method according to claim 13 wherein step (d) includes operating the ATM to print the accessed memo on a removable self-adhesive label, and further comprising (e) dispensing from the ATM the label having the memo printed thereon.

15. The method according to claim 14 wherein step (e) includes dispensing from the ATM at least one currency note having the label adhered thereto.

16. Apparatus comprising:

a data store including at least one personal memo received from a user,

wherein the at least one personal memo is stored associated with both identification data and at least one date data,

a cash dispensing automated teller machine (ATM) in operative connection with the data store,

wherein the ATM is operative to receive identification from an ATM user,

wherein the ATM is operative to access at least one stored memo to which both the associated identification data corresponds with received ATM user identification and the associated at least one date data and current date correspond,

wherein the ATM includes a display screen,

wherein the ATM is operative to display the at least one accessed memo on the display screen.

17. The method according to claim 16 wherein the ATM includes at least one printer, wherein the ATM includes at least one removable self-adhesive label that is adhereable to a currency bill, wherein the ATM is operative to print an accessed memo on a label, and wherein the ATM is operative to dispense a label having a memo printed thereon.

18. A method comprising:

(a) operating an automated teller machine (ATM) to display a selectable memo access option to an ATM customer, wherein the ATM includes a cash dispenser and at least one computer;

(b) responsive to selection by the customer of the memo access option presented in step (a), operating the ATM to access at least one private memo available from at least one data store, wherein the at least one private memo was authored by the customer, wherein memo availability is based on both verified correspondence between customer and author and correspondence between memo display date and current date; and

(c) operating the ATM to display to the customer at least one private memo accessed in step (b).

19. The method according to claim 18 wherein prior to step (a), further comprising

(d) storing in the at least one data store at least one private memo authored by the customer.

20. At least one article including computer executable instructions operative to cause an ATM to operate according to the method steps recited in claim 18.