Self-service system having transaction predictive capability and method of using
First Claim
1. A self-service system having the capability of predicting a type of transaction to be initiated by a customer, comprising:
- a customer interface unit for initiating a selected type of self-service transaction;
controller means for controlling the operation of said system in response to the type of transaction initiated by said customer;
storage means for storing data relating to previous transactions of the system initiated by various customers;
input means for inputting transaction type data into said storage means;
prediction means coupled to said storage means for predicting the type of transaction to be initiated by a given customer; and
conditioning means controlled by said prediction means for conditioning said controller means to prepare said system for performing a certain type of transaction.
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Abstract
A self-service system, such as an automated teller machine (ATM) system, uses predictive technology. When a user begins a transaction by inserting an identification card into a card reader of an ATM, the predictive technology predicts which service or services provided by the system the user is likely to request. This prediction is based upon a stored record in the system, representing previous transactions by that user. The prediction is made in advance of completion of an authorization process for the transaction, to increase the speed of operation of the ATM in carrying out the transaction. For example, to reduce overall transaction time, the ATM can count out a predicted amount of cash in advance of an anticipated withdrawal request. Also, the prediction is used to generate a special display for a particular user, the display being designed to simplify the decisions and selections required to be made by the user.
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Citations
25 Claims
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1. A self-service system having the capability of predicting a type of transaction to be initiated by a customer, comprising:
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a customer interface unit for initiating a selected type of self-service transaction; controller means for controlling the operation of said system in response to the type of transaction initiated by said customer; storage means for storing data relating to previous transactions of the system initiated by various customers; input means for inputting transaction type data into said storage means; prediction means coupled to said storage means for predicting the type of transaction to be initiated by a given customer; and conditioning means controlled by said prediction means for conditioning said controller means to prepare said system for performing a certain type of transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A self-service system, comprising:
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a user interface unit including user identification means for identifying users and input means for initiating a selected self-service transaction by a user; controller means for controlling operation of said system; storage means for storing data relating to previous transactions initiated by various users of said system; prediction means coupled to said storage means, to said identification means, and to said controller means for predicting the type of transaction to be initiated by a given user, the mode of operation of said system when performing a transaction for a particular user being dependent upon a prediction made by said prediction means following identification of said user; and authorization means for authorizing a transaction in respect to the entry by a user of a personal identification number on said input means, said prediction means being arranged to commence the process for making said prediction prior to the completion of an authorization process for authorizing said transaction. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19)
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20. A method for operating a self-service system employing predictive technology, comprising the following steps:
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(a) ascertaining the identity of a customer who is using the self-service system; (b) accessing a file containing records of previous transactions of that customer; (c) using the records of said file to generate a prediction as to at least one type of transaction which said customer is likely to initiate; (d) conditioning the system to be ready to perform a predicted type of transaction; (e) initiating a transaction by the customer; (f) comparing the type of transaction initiated by the customer with the type of transaction predicted; (g) utilizing the conditioned state of the system if the predicted and actual types of transaction are the same; (h) changing the state of the system to reflect the type of transaction selected by the customer if the types of transaction are not the same; and (i) adding information concerning the most recent transaction to said file to update said file. - View Dependent Claims (21, 22, 23, 24, 25)
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Specification