System and Method for Making a Promotional Offer of a Coupon to a Checking Account Customer via an ATM

• US 20090150211A1
• Filed: 12/21/2007
• Published: 06/11/2009
• Est. Priority Date: 12/06/2007
• Status: Abandoned Application

• Current Assignee: Anthony Jeremiah Bayne
• Original Assignee: Anthony Jeremiah Bayne
• Inventors: Bayne, Anthony Jeremiah
• Application Number:
  US11/963,762
• Publication Number:
  US 20090150211A1
• Time in Patent Office: Days
• US Class Current: 705/10
• CPC Class Codes: G06Q 30/00 Commerce
• CPC Class Codes: G06Q 30/0215 Including financial accounts
• CPC Class Codes: G06Q 30/0225 Avoiding frauds

Abstract

Disclosed are methods and systems for offering a coupon to a checking account customer via an ATM. Selecting a coupon to be offered to a checking account customer is based at least in part on information gathered from the customer'"'"'s cleared checks, so that a coupon offered, is based on a proven sale. A customer may select to have a coupon delivered in paper or digital form by selecting a delivery preference at the ATM.

Claims

1. A method of making a promotional offer to a checking account customer via an ATM, comprising:

receiving criteria for presenting a promotional offer via an ATM;

accessing an ATM by a checking account customer;

determining whether the customer meets the criteria to present a promotional offer, when the customer accesses the ATM;

presenting a promotional offer to the customer via the ATM, when the customer meets the criteria; and

distributing the promotional offer to the customer, when the customer accepts the promotional offer.

2. The method of claim 1, wherein the determining whether the customer meets the criteria to present a promotional offer, is determined by matching information stored in a searchable advertisement database to information stored in a searchable customer checking account database.

3. The method of claim 1, wherein the promotional offer is a coupon for an advertiser'"'"'s good or service.

4. The method of claim 3, wherein the coupon comprises a group consisting of a paper coupon and a digital coupon.

5. The method of claim 4, wherein the digital coupon further comprises a format that can be recognized by a merchant, or scanned at a merchant'"'"'s point of sale.

6. The method of claim 4, wherein the paper coupon is transferable.

7. The method of claim 4, wherein the paper coupon is non-transferable.

8. The method of claim 1, wherein the criteria includes a group of factors consisting of a threshold dollar amount, a date a check was written, a date a check was tendered for payment, a date a check was paid, a name of a payee, a location of a payee, a standard industry code of a payee, the frequency a checking account customer accesses an ATM, the frequency a customer has written a check to the same payee during a period of time, and a description of a product or service in a memo field of a check.

9. The method of claim 8, wherein the threshold dollar amount further comprises a group consisting of a dollar amount of a check, an aggregate dollar amount of two or more checks, and an average dollar amount of two or more checks.

10. The method of claim 8, wherein a date a check was written, a date a check was tendered for payment, and a date a check was paid, further comprises a look back period from the time the ATM is accessed by the customer

11. The method of claim 1, wherein distributing the promotional offer to a customer includes a group, consisting of printing out a paper coupon from the ATM, transmitting the coupon via near field radio transmission, and sending a SMS text message to a customer'"'"'s mobile device.

12. The method of claim 11, further comprising the customer entering a mobile phone number via an ATM keypad, when choosing to receive the promotional offer by SMS text message.

13. The method of claim 3, wherein the value of a coupon diminishes with time.

14. The method of claim 13, wherein the value diminishes with time relative to the time the coupon was distributed.

15. The method of claim 8, wherein the criteria consists of a standard category, and a premium category.

16. A system for making a promotional offer to a checking account customer via an ATM, comprising:

means to access a searchable advertisement database having criteria for making a promotional offer;

means to access a searchable checking account database having information regarding a checking account customer'"'"'s checking transactions;

means to access an ATM by a checking account customer;

means to determine whether the customer meets the criteria to receive a promotional offer via the ATM, when the customer accesses the ATM;

means for presenting the promotional offer to the customer via the ATM, when the customer meets the criteria; and

means for distributing the promotional offer to the customer, when the customer chooses to accept the promotional offer.

17. A computer-readable medium having stored thereon computer executable instructions for performing the system of claim 16.

18. The system of claim 16, wherein the means to determine whether the customer meets criteria to present a promotional offer, is determined by matching criteria in the searchable advertisement database to information stored in a searchable checking account database.

19. A system comprising:

a processor;

a memory for storing data coupled to the processor, wherein the data further comprises customer checking account data and advertiser criteria data;

wherein the customer checking account data comprises a group consisting of a customer name, a dollar amount, a payee name, a date, and a word in a check memorandum field; and

wherein the processor is configured for comparing advertiser criteria to customer checking account data, and outputting a promotional offer at an ATM accessed by a customer when a match of the advertiser criteria and customer checking account data occurs.

20. The system of claim 19, further comprising a mobile coupon provider transmitting a digital coupon to the checking account customer, wherein the digital coupon is identified to the mobile coupon provider by an identifying number.