Personalized Bank Teller Machine
First Claim
1. A method, comprising;
- detecting a login request, by a processor, from a customer, at a financial transaction device, the financial transaction device comprising a user interface and memory and is operated by a first financial institution;
identifying a status of the customer that comprises identifying a financial institution associated with the customer, the customer being associated with a second financial institution that is different than the first financial institution;
requesting a profile of the customer, the profile being based upon the customer'"'"'s association with the second financial institution;
receiving a transaction request at the financial transaction devicecreating a message, for the customer, comprising information regarding a fee associated with using the financial transaction device based on the association of the customer with the second financial institution.
1 Assignment
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Accused Products
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.
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Citations
23 Claims
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1. A method, comprising;
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detecting a login request, by a processor, from a customer, at a financial transaction device, the financial transaction device comprising a user interface and memory and is operated by a first financial institution; identifying a status of the customer that comprises identifying a financial institution associated with the customer, the customer being associated with a second financial institution that is different than the first financial institution; requesting a profile of the customer, the profile being based upon the customer'"'"'s association with the second financial institution; receiving a transaction request at the financial transaction device creating a message, for the customer, comprising information regarding a fee associated with using the financial transaction device based on the association of the customer with the second financial institution. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
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15. A method, comprising:
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detecting, by a processor, a login request at an Automated Teller Machine (ATM), wherein the ATM is communicatively coupled to a host through a computer network, and the ATM comprises a user interface and a logic server; identifying a home bank of the user wherein the home bank of the user is at least one bank or financial institution through which the user maintains at least one account; requesting a profile of the user wherein the user'"'"'s profile comprises information about the home bank of the user and a set of at least one user selected preference; modifying or personalizing functions presented to the user via the ATM in response to the user'"'"'s profile wherein the functions presented are modified or personalized based on the home bank of the user and the set of at least one user selected preference; displaying, at the ATM, a message informing the user a method of avoiding a fee associated with the ATM. - View Dependent Claims (16, 17, 18, 19, 20, 21, 22, 23)
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Specification