SYSTEM INCLUDING AUTOMATED TELLER MACHINE WITH DATA BEARING MEDIUM

• US 20100114677A1
• Filed: 11/06/2008
• Published: 05/06/2010
• Est. Priority Date: 11/06/2008
• Status: Abandoned Application

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Faith, Patrick, Carlson, Mark
• Application Number:
  US12/266,352
• Publication Number:
  US 20100114677A1
• Time in Patent Office: Days
• US Class Current: 705/14.100
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0205 Location or geographical consideration
• CPC Class Codes: G06Q 30/0207 Discounts or incentives, e.g. coupons or rebates
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

Embodiments of the present invention relate to systems and methods of providing customized offers to a consumer at an automated teller machine. The automated teller machine comprises a processor, a computer readable medium coupled to the processor, an output device coupled to the processor, and a reader coupled to the processor. The computer readable medium comprises code for receiving data from a portable ATM device and code for receiving a customized offer after receiving data from the portable ATM device.

Claims

1. An automated teller machine comprising:

a processor;

a computer readable medium coupled to the processor, wherein the computer readable medium comprises code for receiving data from a portable ATM device, and code for receiving a customized offer after receiving data from the portable ATM device;

an output device coupled to the processor; and

a reader coupled to the processor.

2. The automated teller machine of claim 1 wherein the computer readable medium comprises code for generating the customized offer.

3. The automated teller machine of claim 1 wherein the customized offer is printed on paper.

4. A method comprising:

interacting with an automated teller machine; and

receiving a customized offer after interacting with the automated teller machine.

5. The method of claim 4, wherein the customized offer is based on purchasing preferences of a consumer and data related to a location of the consumer, wherein the purchasing preferences are based on transaction data relating to past purchases made by the consumer using at least one of the consumer'"'"'s ATM card, credit card, and debit card.

6. The method of claim 5, wherein the data related to the location of the consumer is provided by a global positioning system element of a mobile phone.

7. The method of claim 5, wherein the data related to the location of the consumer is provided by a locator module.

8. The method of claim 5, wherein the location of the consumer is the location of the automated teller machine.

9. The method of claim 5, wherein the customized offer is provided by one or more merchants located proximal to the automated teller machine.

10. The method of claim 5, wherein the customized offer is provided by one or more merchants located between the location of the consumer and the automated teller machine.

11. The method of claim 4, wherein the customized offer is received from the automated teller machine.

12. The method of claim 4,wherein the customized offer is printed on a receipt dispensed from the automated teller machine.

13. The method of claim 4,wherein the customized offer is provided to a consumer'"'"'s mobile phone using a wireless communication link between the automated teller machine and the consumer'"'"'s mobile phone.

17. The method of claim 11, wherein the purchasing preferences are determined from historical data of transactions conducted using an ATM card of the consumer.

14. A method comprising:

determining a location of a consumer, wherein the consumer is located proximate to an automated teller machine;

determining a customized offer using purchasing preferences of the consumer and data related to the location of the consumer; and

sending a message to the automated teller machine, wherein the message causes the automated teller machine to provide the customized offer to the consumer.

15. The method of claim 14, wherein the customized offer is printed on a receipt dispensed by the automated teller machine.

16. The method of claim 14, wherein the customized offer is provided to a consumer'"'"'s mobile phone using a wireless communication link between the automated teller machine and the consumer'"'"'s mobile phone.

18. A computer readable medium comprising code for performing the method of claim 14.

19. A server computer comprising the computer readable medium of claim 18.