Personalized Bank Teller Machine

• US 20110087527A1
• Filed: 12/14/2010
• Published: 04/14/2011
• Est. Priority Date: 10/05/2001
• Status: Abandoned Application

• 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: Acharya, Ravi, Goldman, Dmitry, RIELLY, William, Ehrlich, Leslie D.
• Application Number:
  US12/967,695
• Publication Number:
  US 20110087527A1
• Time in Patent Office: Days
• US Class Current: 705/14.1
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 30/0207 Discounts or incentives, e.g. coupons or rebates
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/201 Accessories of ATMs
• CPC Class Codes: G07F 7/1016 Devices or methods for securing the PIN and other transaction-data, e.g. by encryption arrangements for secret communication, see H04L9/00

Abstract

A system and method is provided for an ATM having a display, a logic server coupled to the display, and a memory coupled to the logic server. The logic server dynamically controls the functions available to the users including messages and coupons. A host contains a profile of a user. The memory, which is accessible to the logic server, may contain a profile of at least one user. A user card may contain a profile of the user. In operation, the ATM detects the a user'"'"'s card and requests the profile of the user whose card was detected from a host. The ATM then receives the user'"'"'s profile and stores the user'"'"'s profile in the ATM. The system and method also provides a cardless ATM in which a user logs on without a card. Additionally, system and method also provides ATM services via a personal device.

Claims

1. A method of operating an Automated Teller Machine (ATM) comprising:

receiving, by at least one computer processor, a communication from a portable electronic device associated with a user;

logging the user into the ATM without using a card;

requesting a user'"'"'s profile;

receiving the user'"'"'s profile at the ATM;

storing the user'"'"'s profile; and

modifying or personalizing functions, by the at least one computer processor, presented to the user via the ATM based upon the user'"'"'s profile.

2. The method of claim 1, wherein the portable electronic device comprises a personal digital assistant, a cell phone, an email device, or a portable computing device.

3. The method of claim 1, wherein the communication is transmitted over a network comprising a wireless network.

4. The method of claim 1, wherein the communication comprises a request for information relating to one or more accounts associated with the user.

5. The method of claim 4, further comprising:

transmitting a message to the portable electronic device comprising a response to the request

6. The method of claim 1, wherein the user is logged into the ATM based upon the communication from the portable electronic device;

7. The method of claim 1, wherein the user'"'"'s profile is received from a host.

8. The method of claim 1, wherein the user'"'"'s profile is received from the portable electronic device.

9. The method of claim 1, wherein the user'"'"'s profile is received from a memory operably connected to the ATM.

10. The method as recited in claim 1, further comprising:

displaying, at the ATM, a message that is based on the home bank of the user.

11. The method as recited in claim 1, further comprising:

sending a message to the user, wherein the message comprises one or more of the following;

Internet message, phone message, email, regular mail.

12. The message as recited in claim 11, wherein the message shows services available from a bank providing the ATM wherein the services in the message are not available from a home bank associated with the user.

13. The method of claim 1, further comprising:

identifying a home bank of the user.

14. The method as recited in claim 13, further comprising:

printing a coupon that is based on the home bank of the user.

15. The method as recited in claim 13, further comprising:

printing a coupon that is based on an associated merchant, wherein an associated merchant is a merchant providing products or services through the ATM.

16. The method as recited in claim 13, further comprising:

displaying a message identifying products or services available from a bank providing the ATM but not available from the home bank when the home bank of the user is different than the bank providing the ATM.

17. The ATM as recited in claim 13, wherein the message informs the user of a method of avoiding a fee associated with the ATM.

18. A method of operating a financial transaction device comprising:

receiving, by the at least one computer processor, a communication from a portable electronic device associated with a user;

logging the user into the financial transaction device without using a card;

requesting a user'"'"'s profile;

receiving the user'"'"'s profile at the financial transaction device;

storing the user'"'"'s profile; and

modifying or personalizing functions, by the at least one computer processor, presented to the user via the financial transaction device based upon the user'"'"'s profile.

19. The method of claim 18, wherein the portable electronic device comprises a personal digital assistant, a cell phone, an email device, or a portable computing device.

20. The method of claim 18, wherein the communication is transmitted over a network comprising a wireless network.

21. The method of claim 18, wherein the financial transaction device comprises an Automated Teller Machine (ATM), a point of sale at a merchant, a self checkout device at a merchant, ticket issuing device at a subway or an airport, or a gas pump.