METHOD AND APPARATUS FOR ATM-BASED CROSS-SELLING OF PRODUCTS AND SERVICES
First Claim
1. A method of displaying an advertisement or promotional offer at an automated teller machine for a user of the automated teller machine, the method comprising the acts of:
- obtaining identification information provided by the user;
accessing personal or historical information relating to the user;
selecting the advertisement or promotional offer based on the information of the user; and
displaying the advertisement or promotional offer on the automated teller machine.
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Accused Products
Abstract
A method of and apparatus for automatically displaying an advertisement or promotional material to a user of an automated teller machine or point of purchase terminal. The method includes accessing debit data and credit bureau data for the applicant, accessing account information for the applicant, generating a score for the applicant based on the data and the account information and determining what advertisements or promotional offers to display on the ATM or POP terminal. The apparatus is a system, including both hardware and software components for effecting the method.
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Citations
49 Claims
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1. A method of displaying an advertisement or promotional offer at an automated teller machine for a user of the automated teller machine, the method comprising the acts of:
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obtaining identification information provided by the user; accessing personal or historical information relating to the user; selecting the advertisement or promotional offer based on the information of the user; and displaying the advertisement or promotional offer on the automated teller machine. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17)
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18. A method of displaying an advertisement or promotional offer at a point-of-purchase machine, the method comprising the acts of:
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obtaining identification information provided by a user; accessing a database containing user information; and displaying the advertisement or promotional offer on the point-of-purchase machine based on the user information. - View Dependent Claims (19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32)
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33. A system for displaying an advertisement or promotional offer, the system comprising:
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a user terminal; a database for storing personal and historical information of users; a marketing module for retrieving user information from the database based on the personal or historical information of the user, and for determining which advertisement or promotional offer to present based on the user information; and a presentation module for formatting the advertisement or promotional offer, the presentation module causing the user terminal to display the advertisement or promotional offer. - View Dependent Claims (34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46, 47)
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48. A financial network, accessible by a user terminal having a display capable of presenting offers and information for products and services, the financial network comprising:
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a gateway server in communication with the user terminal; and an application server in communication with the gateway server, the application server including, an identification module capable of identifying the user, a database containing category information and offers and information for products and services presently available, a search engine for identifying the offers and information for products and services that correspond to the user'"'"'s category information, and a presentation module for displaying at least one of the offers and information for products and services that correspond to the user'"'"'s category information.
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49. A marketing network, accessible by a marketing terminal having a display capable of presenting personalized options to a user on the display, the marketing network comprising:
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a gateway server in communication with the marketing terminal; and an application server in communication with the gateway server, the application server including, an identification module capable of identifying the user, a database containing user category information and at least one option, a marketing module for matching the available options with the user'"'"'s category information, and a presentation module for personalizing the matched options and presenting to the user at least one of the matched options on the display.
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Specification