System and method for granting promotional rewards to both customers and non-customers

• US 20070181674A1
• Filed: 04/13/2006
• Published: 08/09/2007
• Est. Priority Date: 02/08/2006
• 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: Taylor, Robert, Pilarcik, Jeffrey
• Granted Patent: US 7,784,682 B2
• Time in Patent Office: Days
• US Class Current: 235/381
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0207 Discounts or incentives, e.g. coupons or rebates
• CPC Class Codes: G06Q 30/0215 Including financial accounts
• CPC Class Codes: G06Q 30/0224 based on user history
• CPC Class Codes: G06Q 30/0225 Avoiding frauds
• CPC Class Codes: G06Q 30/0269 based on user profile or attribute
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/201 Accessories of ATMs

Abstract

Systems and methods of attracting and retaining customers of a Banking institution through an incentive program is disclosed, comprising: operating a promotional program, comprising the dispensing of a indicia redeemable for a prize, and wherein the dispensing of the indicia is accomplished through the use of an automated teller machine (ATM); and operating a rewards program, wherein upon a customer completing a triggering behavior, a specified reward is granted to the customer. Systems and methods of operating a promotional program for customers of a Banking institution is also disclosed, wherein the method comprises dispensing a indicia redeemable for a prize, and wherein the dispensing of the indicia is accomplished through the use of an automated checking machine (ATM).

Claims

1. A method of operating a promotional program for customers of a Banking institution, wherein the method comprises:

dispensing an indicia redeemable for a prize, wherein the dispensing of the indicia is accomplished through the use of an automated teller machine (ATM); and

wherein the ATM machine dispenses the indicia after upon successful completion of a transaction.

2. The method of operating a promotional program of claim 1, wherein the indicia is a ticket dispensed from the ATM with withdrawn funds.

3. The method of operating a promotional program of claim 1, wherein the indicia is a ticket dispensed from the ATM with a receipt of the transaction.

4. The method of operating a promotional program of claim 1, wherein the indicia is displayed on a screen of the ATM.

5. The method of operating a promotional program of claim 1, wherein the indicia is irregularly dispensed.

6. The method of operating a promotional program of claim 1, wherein the indicia is randomly dispensed.

7. The method of operating a promotional program of claim 1, wherein the indicia is printed on a receipt of the transaction.

8. The method of operating a promotional program of claim 7, wherein the indicia is a redeemable code.

9. The method of operating a promotional program of claim 8, wherein the redeemable code may be redeemed via an internet web page.

10. The method of operating a promotional program of claim 8;

wherein the redeemable code may be redeemed in any branch location of the Banking institution.

11. A method of attracting and retaining customers of a Banking institution through an incentive program, wherein the method comprises:

operating a promotional program, comprising the dispensing of an indicia redeemable for a prize, and wherein the dispensing of the printed indicia is accomplished through the use of an automated teller machine (ATM), and wherein the ATM machine dispenses the indicia after upon successful completion of a transaction; and

operating a rewards program, wherein upon a customer completing a triggering behavior, a specified reward is granted to the customer.

12. The method of attracting and retaining customers of a Banking institution through an incentive program of claim 11, wherein the specified award is in the form of redeemable points.

13. The method of attracting and retaining customers of a Banking institution through an incentive program of claims 11, wherein the specified award is in the form of airline frequent flyer miles.

14. The method of attracting and retaining customers of a Banking institution through an incentive program of claim 11, wherein the specified award is a tangible prize.

15. The method of attracting and retaining customers of a Banking institution through an incentive program of claim 11, wherein the specified award may comprise discounted Bank services or products.

16. The method of attracting and retaining customers of a Banking institution through an incentive program of claim 11, wherein the customers may monitor and manage their rewards program via a personalized web page.

17. The method of attracting and retaining customers of a Banking institution through an incentive program of claim 11, wherein the dispensing of the indicia in the promotional program is done irregularly.

18. The method of attracting and retaining customers of a Banking institution through an incentive program of claim 11, wherein the dispensing of the indicia in the promotional program is done randomly.

19. The method of attracting and retaining customers of a Banking institution through an incentive program of claim 11, wherein the dispensed indicia comprises the customer'"'"'s the value of the customer'"'"'s specified reward and a balance of the customer'"'"'s total accrued rewards.

20. A method of attracting and retaining customers of a Banking institution through an incentive program, wherein the method comprises:

operating a promotional program, comprising the dispensing of an indicia redeemable for a prize, and wherein the random and sporadic dispensing of the indicia is accomplished through the use of an automated teller machine (ATM), and wherein the ATM machine dispenses the indicia after upon successful completion of a transaction; and

operating a rewards program, wherein upon a customer completing a triggering behavior, a specified reward is granted to the customer; and

directing the incentive program at both existing customers and potential customers.

21. A system for managing an incentive program for customers of a banking institution, the system comprising:

a banking institution;

at least one existing customer;

at least one potential customer;

a database, comprising;

existing customer information, comprising existing customer profile information, existing customer transactions, and information regarding at least one of the existing customer'"'"'s accounts at the banking institution;

potential customer information, comprising potential customer profile information, potential customer transactions, and information regarding the potential customer'"'"'s home banking institution; and

at least one rewards account for the potential and existing customers, wherein the rewards account comprises information regarding rewards accrued by the potential and existing customers; and

a personalized web page, wherein the personalized web page is unique to each potential customer or existing customer, and wherein the personalized web page displays information available from the database.