Personalized bank teller machine

• US 7,822,684 B2
• Filed: 07/21/2005
• Issued: 10/26/2010
• Est. Priority Date: 10/05/2001
• Status: Expired due to Term

• 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: Rielly, William S., Erlich, Leslie D., Acharya, Ravi, Goldman, Dmitry
• Primary Examiner(s): Cheung; Mary
• Assistant Examiner(s): LIU, I JUNG
• Application Number:
  US11/185,847
• Publication Number:
  US 20060038004A1
• Time in Patent Office: 1,923 Days
• Field of Search: 705/1, 705/16, 705 34- 44, 709/316, 709/330, 380/24
• US Class Current: 705/43
• 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:

detecting a user'"'"'s card at the ATM, wherein the ATM is communicatively coupled to a host through a computer network, wherein 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 or which provides financial services to the user;

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; and

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.

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

3. The method of claim 1, wherein the user'"'"'s profile is received from the user'"'"'s card.

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

5. The method as recited in claim 1, further comprising the step of:

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

6. The method as recited in claim 1, further comprising the step of:

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

Internet message, phone message, email, regular mail.

7. The message as recited in claim 6, wherein the message shows services available from a bank providing the ATM wherein the services in the message are not available from the user'"'"'s home bank.

8. The ATM as recited in claim 6, wherein the message informs the user of a method of avoiding a fee associated with the ATM.

9. The method as recited in claim 1, further comprising the step of:

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

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

printing a coupon that is based on an associated merchant, wherein an associated merchant is a merchant providing products or services through the ATM, wherein the user can browse, at the ATM, the products or services provided by the associated merchant.

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

displaying an offer for a service that is offered by an associated merchant, wherein an associated merchant is a merchant providing services through the ATM.

12. The method as recited in claim 1, further comprising the step of:

displaying an offer for a product that is offered by an associated merchant, wherein an associated merchant is a merchant providing products through the ATM.

13. The method as recited in claim 1, further comprising the step of:

displaying a message identifying products 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.

14. The method as recited in claim 1, further comprising the step of:

displaying a message identifying 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.

15. The method of claim 1 wherein the user'"'"'s profile is stored at the ATM.

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

logging into the ATM without using a card;

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 or which provides financial services to the user;

requesting a user'"'"'s profile wherein the user'"'"'s profile comprises information about the home bank of the user and a set of at least one user selected preference;

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

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

modifying or personalizing functions presented to the user via the ATM in response to the user'"'"'s profile wherein the functions presented are customized based on information about the home bank of the user and the set of at least one user selected preference.

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

detecting a user'"'"'s card at the ATM, wherein the ATM is communicatively coupled to a host through a computer network, wherein 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 or which provides financial services to the user;

requesting a user'"'"'s profile from the host, wherein the user'"'"'s profile comprises information about the user, including at least one user selected preference and the home bank of the user;

modifying or personalizing functions presented to the user at the ATM by the logic server, wherein the functions presented are modified or personalized based on the user'"'"'s profile;

identifying products and services available from a financial institution associated with the ATM, wherein the products and services are not available from the home bank of the user; and

displaying a message that contains the identified products and services.

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

detecting a user'"'"'s card at the ATM, wherein the ATM is communicatively coupled to a host through a computer network, wherein 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 or which provides financial services to the user;

requesting a user'"'"'s profile from the host, wherein the user'"'"'s profile comprises information about the user, including at least one user selected preference and the home bank of the user;

modifying or personalizing functions presented to the user at the ATM by the logic server, wherein the functions presented are modified or personalized based on the user'"'"'s profile;

displaying one or more products or services associated with a merchant, wherein the user can browse the product or services; and

receiving a transaction request for purchase of one or more products or services from the user.

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

detecting a user'"'"'s card at the ATM, wherein the ATM is communicatively coupled to a host through a computer network, wherein the ATM comprises a user interface and a logic server and the ATM is associated with a bank or financial institution that differs from 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 or which provides financial services to the user;

identifying the home bank of the user;

requesting a user'"'"'s profile from the host, wherein the user'"'"'s profile comprises information about the user, including at least one user selected preference and the home bank of the user; and

modifying or personalizing functions presented to the user at the ATM by the logic server, wherein the functions presented are modified or personalized based on the user'"'"'s profile.