Targeting advertising in a home retail banking delivery service

• US 5,870,724 A
• Filed: 06/06/1995
• Issued: 02/09/1999
• Est. Priority Date: 12/08/1989
• Status: Expired due to Term

• Current Assignee: Official Payments Corporation (ACI Worldwide Incorporated)
• Original Assignee: Online Resources Corp.
• Inventors: Lawlor, Matthew P., Carmody, Timothy E.
• Primary Examiner(s): Kuntz, Curtis
• Assistant Examiner(s): Shankar, Vijay
• Application Number:
  US08/469,354
• Time in Patent Office: 1,344 Days
• Field of Search: 235/379, 235/380, 345/1, 345/2, 395/214, 395/242, 395/243, 705/14, 705/42, 705/43, 455/2, 348/1
• US Class Current: 705/42
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/16 Payments settled via telecommunication systems
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 30/0255 based on user history
• CPC Class Codes: G06Q 30/0273 Determination of fees for advertising
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: H04M 17/02 Coin-freed or check-freed systems , e.g. mobile- or card-operated phones, public telephones or booths

Abstract

A practical system and method for the remote distribution of financial services (e.g., home banking and bill-paying) involves distributing portable terminals to a user base. The terminals include a multi-line display, keys "pointing to" lines on the display, and additional keys. Contact is established between the terminals and a central computer operated by a service provider, preferably over a dial-up telephone line and a packet data network. Information exchange between the central computer and the terminal solicits information from the terminal user related to requested financial services (e.g., for billpaying, the user provides payee selection and amount and his bank account PIN number). The central computer then transmits a message over a conventional ATM network debiting the user'"'"'s bank account in real time, and may pay the specified payees the specified amount electronically or in other ways as appropriate. Payments and transfers may be scheduled in advance or on a periodic basis. Because the central computer interacts with the user'"'"'s bank as a standard POS or ATM network node, no significant software changes are required at the banks'"'"' computers. The terminal interface is extremely user-friendly and incorporates some features of standard ATM user interfaces so as to reduce new user anxiety.

Claims

1. A method of distributing advertising information remotely to users comprising the following steps:

providing an arrangement to said users that enables the users to access home banking services from user terminals;

communicating with said user terminals on demand using a central computer;

receiving requests with said central computer from said user terminals;

processing said received requests with said central computer;

storing indicia of said processed requests in a database;

obtaining, with said central computer, information advertising a product or service from an advertiser;

processing said database to target specific users who may be interested in said advertising information;

transmitting said advertising information from said central computer to the user terminals operated by said targeted specific users;

prompting said targeted specific users to select whether they want further information with respect to said product or service;

receiving and testing user responses to said prompting step; and

selecting users for delivery of further information relating to the product or service based at least in part on whether said users provide at least one predetermined response to said prompting step.

2. A method as in claim 1 wherein there is user identifying data corresponding to at least one of said users, the user identifying data representing the identity of said at least one user, and said selecting step comprises:

providing the user identifying data representing the identity of said at least one user to said advertiser in real-time response to receipt of a response from said at least one user; and

contacting said at least one user in real time response to receipt of said provided user identifying data.

3. A method as in claim 1 wherein said selecting step comprises:

initiating voice communications with at least one of said users in real-time response to receipt of a response from said at least one user.

4. A method as in claim 1 wherein the user selecting step includes the step, conditioned on the user responses to the prompting steps, of contacting said advertiser and providing said advertiser with the identity of at least some of said users providing responses.

5. A method as in claim 1 wherein the user selecting step includes the step, conditioned on the user responses to the prompting step, of contacting the users providing certain responses to provide additional advertising information.

6. A method of targeting information delivery comprising:

establishing connections with terminals associated with users;

conducting home banking transactions with said users via said connections;

generating a database at least in part in response to said home banking transactions; and

targeting information for delivery to said terminals via said connections based on the contents of said database,

wherein said method further includes;

prompting one of said users to provide an input;

transmitting a user response to said prompting step interactively in real time over at least one of said connections; and

conditionally releasing the identity of said user to a provider associated with said targeted information based on said transmitted response.

7. A method as in claim 6 further including interactively displaying, on displays of said terminals associated with said users, data transmitted to said terminals via said connections.

8. A method as in claim 6 wherein the conducting step comprises transmitting bill paying options to a user terminal and permitting the user to select between the bill paying options by actuating option selectors.

9. A method as in claim 6 wherein the conducting step comprises transmitting bill paying options to a user terminal for display on a display, and permitting the user to select between the bill paying options by actuating different option selectors disposed in proximity to the display, and wherein the generating step comprises recording the user'"'"'s bill paying option selections in a confidential database.

10. A method of targeting users based at least in part on the users'"'"' remote access to financial services over a network via user terminals, the method comprising the following steps:

obtaining, with a remotely located computer, advertising information relating to at least one product or service;

communicating digital information between user terminals and the remotely located computer over a network that enables the users to remotely access financial services from their user terminals;

storing and processing user requests with said remotely located computer and targeting users who may be interested in said advertising information;

transmitting said advertising information from said remotely located computer to the user terminals operated by said targeted users;

prompting said targeted users to select whether they want further information with respect to said product or service;

receiving and testing user responses to said prompting step; and

selecting users based at least in part on the results of said testing step.

11. A method as in claim 10 wherein the selecting step includes selecting users for delivery of further information relating to the product or service if said users provide at least one predetermined response to said prompting step.

12. A method as in claim 10 further including the step of delivering, to the selected users, further information relating to the product or service.

13. A method as in claim 10 wherein the communicating step comprises facilitating the users to conduct bill paying transactions on the user terminals.

14. A method as in claim 10 wherein the communicating step comprises facilitating the users to conduct home banking transactions on the user terminals.

15. A method as in claim 10 wherein the prompting step includes the step of displaying a prompt message on a miniature multi-line liquid crystal display device included within at least one user terminal, and the method further includes the step of sensing user depression of at least one soft key disposed on the user terminal adjacent the liquid crystal display device.

16. A method as in claim 10 further including the step of providing a provider of said product or service with the identities of at least some users who respond to the prompt.

17. A method as in claim 10 wherein the storing and processing step includes the step of generating a database containing user financial transactions, and analyzing the database to determine user demographic information.

18. A method as in claim 10 wherein the processing step includes the step of storing user financial transaction data in at least one database.