System and method for granting promotional rewards to both customers and non-customers
First Claim
1. A method of operating a promotional program of a financial institution, wherein the method comprises:
- determining, by a computer processor, whether a user is an existing customer or a potential customer of the financial institution, wherein the existing customer is a present account-holder with the financial institution and the potential customer is not a present account-holder with the financial institution;
accessing, using a computer processor, an existing customer transaction history if the user is an existing customer;
accessing, using a computer processor, a potential customer transaction history if the user is a potential customer;
applying, by the computer processor, a set of business rules to a profile of the user that are based upon the user'"'"'s status as the potential customer;
presenting at least one offer, by the computer processor, based on the set of business rules, to the user based on an identity of a potential customer'"'"'s present financial institution; and
dispensing, by the computer processor, an indicia redeemable for the at least one offer.
1 Assignment
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Accused Products
Abstract
Systems and methods of attracting and retaining customers of a Banking institution through an incentive program is disclosed, comprising: operating a promotional program, comprising the dispensing of a indicia redeemable for a prize, and wherein the dispensing of the indicia is accomplished through the use of an automated teller machine (ATM); and operating a rewards program, wherein upon a customer completing a triggering behavior, a specified reward is granted to the customer. Systems and methods of operating a promotional program for customers of a Banking institution is also disclosed, wherein the method comprises dispensing a indicia redeemable for a prize, and wherein the dispensing of the indicia is accomplished through the use of an automated checking machine (ATM).
826 Citations
19 Claims
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1. A method of operating a promotional program of a financial institution, wherein the method comprises:
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determining, by a computer processor, whether a user is an existing customer or a potential customer of the financial institution, wherein the existing customer is a present account-holder with the financial institution and the potential customer is not a present account-holder with the financial institution; accessing, using a computer processor, an existing customer transaction history if the user is an existing customer; accessing, using a computer processor, a potential customer transaction history if the user is a potential customer; applying, by the computer processor, a set of business rules to a profile of the user that are based upon the user'"'"'s status as the potential customer; presenting at least one offer, by the computer processor, based on the set of business rules, to the user based on an identity of a potential customer'"'"'s present financial institution; and dispensing, by the computer processor, an indicia redeemable for the at least one offer. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A system for managing an incentive program for customers of a financial institution, the system comprising:
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at least one terminal associated with a financial institution for interacting with a user; and a processor in electronic communication with the at least one terminal for; (1) determining whether a user is an existing customer or a potential customer of the financial institution; (2) accessing an existing customer transaction history if the user is an existing customer; (3) accessing a potential customer transaction history if the user is a potential customer, wherein the potential customer transaction history comprises the user'"'"'s history of transactions with at least one terminal of the financial institution; (4) applying a set of business rules to a profile of the user that are based upon the user'"'"'s status as the potential customer; (5) presenting at least one offer, based on the set of business rules, to the user based on an identity of a potential customer'"'"'s present financial institution; and (6) dispensing an indicia redeemable for the at least one offer. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16, 17, 18)
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19. A method of operating a promotional program for users of a financial institution, wherein the method comprises:
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determining, by a computer processor, whether a user interacting with a terminal of a financial institution is an existing customer or a potential customer of the financial institution, wherein the existing customer is a present account-holder with the financial institution and the potential customer is not a present account-holder with the financial institution; accessing, by a computer processor, an existing customer transaction history if the user is an existing customer, wherein the existing customer transaction history comprises the user'"'"'s;
(1) transaction history with the at least one terminal of the financial institution, (2) transaction history with the financial institution, and (3) transaction history with third parties;accessing, by a computer processor, a potential customer transaction history if the user is a potential customer, wherein the potential customer transaction history comprises the user'"'"'s history of transactions with the at least one terminal of the financial institution, wherein the potential customer transaction history is identified by at least one identifier associated with the user; presenting at least one offer, by the computer processor, determined by analyzing a set of business rules, to the user based on an identity of a user'"'"'s present financial institution; displaying a redeemable indicia on a display associated with the terminal wherein the indicia is related to the at least one offer; and dispensing the redeemable indicia that is redeemable for the at least on offer upon or after the user completing a triggering behavior, wherein the triggering behavior is determined from the existing customer transaction history or the potential customer transaction history.
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Specification