Banking system that operates during different transaction sessions to provide a particular individual the next predetermined presentation in a marketing campaign preassigned to the particular and individual prior to the sessions

• US 8,061,593 B1
• Filed: 10/01/2010
• Issued: 11/22/2011
• Est. Priority Date: 11/27/1998
• Status: Expired due to Fees

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: MEEK, JAMES, Graef, H. Thomas
• Primary Examiner(s): WALSH, DANIEL I
• Application Number:
  US12/924,633
• Time in Patent Office: 417 Days
• Field of Search: 235379-381, 705/43, 705/14.49, 705/14.67
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0251 Targeted advertisements
• CPC Class Codes: G06Q 30/0271 Personalized advertisement
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/201 Accessories of ATMs
• CPC Class Codes: G07F 19/211 Software architecture within ATMs or in relation to the ATM network

Abstract

An automated transaction machine includes a card reader that can read a unique magnetic characteristic of a magnetic stripe on a card. The machine can then send data reflective of the read characteristic to a remote card validator. The card validator can compare the received data to referenced magnetic characteristic data corresponding to cards authorized for use with the machine. The machine can also communicate with a transaction host computer to carry out a financial transaction. As a result of the magnetic data comparison, an invalid card can be discovered and a fraudulent transaction prevented. Communication between the card validator and machine is independent from communication between the transaction host and machine.

Claims

1. An apparatus comprising:

a banking system comprising;

at least one automated transaction machine,

wherein the at least one automated transaction machine is operative to cause financial transfers responsive at least in part to data provided by machine users,

wherein the at least one automated transaction machine includes;

at least one reader device,

 

wherein the at least one reader device is operative to read customer identification data provided by a machine user,

at least one cash dispenser,

 

wherein the at least one cash dispenser is operative to cause stored cash to be dispensed,

at least one display device,

at least one computer associated with the at least one automated transaction machine,

wherein the at least one computer is in operative connection with the at least one reader device, the at least one cash dispenser, and the at least one display device,

wherein the at least one computer is operative to

cause customer identification data to be read through operation of the at least one reader device,

cause read customer identification data to be compared with authorized machine user identification data stored in an authorized machine user information data store, and

cause cash to be dispensed from the machine through operation of the at least one cash dispenser,

wherein the at least one computer is operative to allow a machine user to request a cash dispense transaction responsive at least in part to the machine user being recognized as an authorized user of the machine based at least in part on computer-determined correspondence between

customer identification data read by the at least one reader device, and

authorized machine user identification data stored in the authorized machine user information data store,

wherein the at least one computer is operative to cause a financial account to be assessed a value associated with cash dispensed,

wherein the at least one computer is programmed to cause,

responsive at least in part to a machine user being recognized as a particular individual during a first transaction session,

the at least one display device to present to the particular individual during the first transaction session, a marketing presentation that is part of a predetermined particular marketing campaign which

 

is previously correlated with the particular individual and

 

includes at least one subsequent marketing presentation that is to be presented to the particular individual during a subsequent transaction session at the at least one automated transaction machine,

wherein the at least one computer is programmed to cause,

responsive at least in part to a machine user being recognized as the particular individual during a second transaction session that is subsequent to the first transaction session,

the at least one display device to present to the particular individual during the second transaction session, the at least one subsequent marketing presentation that is part of the predetermined particular marketing campaign,

 

and wherein the at least one subsequent marketing presentation differs from the marketing presentation of the first transaction session.

2. The apparatus according to claim 1 wherein the at least one automated transaction machine includes a first automated transaction machine and a second automated transaction machine, wherein the second automated transaction machine differs from the first automated transaction machine,

wherein the at least one computer is operative to

cause the marketing presentation to be presented to the particular individual at the first automated transaction, and

cause the at least one subsequent marketing presentation to be presented to the particular individual at the second automated transaction.

3. The apparatus according to claim 1 wherein the at least one automated transaction machine includes a first automated transaction machine,

wherein the at least one computer is operative to cause both

the marketing presentation to be presented to the particular individual at the first automated transaction machine, and

the at least one subsequent marketing presentation to be presented to the particular individual at the first automated transaction machine.

4. The apparatus according to claim 1

wherein the at least one computer is operative to cause the machine to communicate with a transaction host computer,

wherein the at least one computer is operative to cause the machine to communicate with the transaction host computer to carry out financial transactions,

wherein the at least one computer is operative to cause the machine to communicate with at least one remote marketing computer independent of communication with the transaction host computer,

wherein the at least one computer is operative to cause the machine to communicate with the at least one remote marketing computer to present marketing presentations,

wherein the at least one computer is operative to cause the machine to communicate with the at least one remote marketing computer to receive both

display data that corresponds to the marketing presentation that is part of the predetermined particular marketing campaign, and

display data that corresponds to the at least one subsequent marketing presentation that is part of the predetermined particular marketing campaign.

5. A method comprising:

(a) operating a cash dispensing automated banking machine to read data corresponding to user identification during a first machine user transaction session involving a particular individual,

wherein the machine includes at least one reader device,

wherein the machine is associated with at least one computer that is operative to allow a machine user to carry out a financial transaction with the machine responsive at least in part to the machine user being recognized as an authorized user of the machine;

(b) subsequent to step (a), operating the machine used in step (a) to present to the particular individual during the first machine user transaction session, a first marketing presentation previously linked with the user identification in at least one data store prior to commencement of the first machine user transaction session,

wherein the first marketing presentation is part of a predetermined particular marketing campaign previously correlated with the particular individual that includes at least one subsequent marketing presentation that is to be presented to the particular individual during at least one subsequent machine user transaction session;

(c) operating a cash dispensing automated banking machine to read data corresponding to the user identification during a second machine user transaction session involving the particular individual, wherein the second machine user transaction session is subsequent to the first machine user transaction session; and

(d) subsequent to step (c), operating the machine used in step (c) to present to the particular individual during the second machine user transaction session, a second marketing presentation previously linked with the user identification in the at least one data store prior to commencement of the second machine user transaction session,

wherein the second marketing presentation is part of the at least one subsequent marketing presentation and is part of the predetermined particular marketing campaign, and

wherein the second marketing presentation differs from the first marketing presentation.

6. The method according to claim 5 wherein the machine used in step (a) is operative to communicate with a transaction host computer to carry out financial transactions, wherein the machine used in step (c) is operative to communicate with the transaction host computer, and further comprising:

(e) prior to step (b), operating the machine used in step (a) during the first machine user transaction session to receive from at least one remote marketing computer, first display data that corresponds to the first marketing presentation, wherein the first display data is received independent of communication with the transaction host computer;

(f) prior to step (d), operating the machine used in step (c) during the second machine user transaction session to receive from the at least one remote marketing computer, second display data that corresponds to the second marketing presentation, wherein the second display data is received independent of communication with the transaction host computer;

wherein step (b) includes presenting the first marketing presentation responsive at least in part to the first display data received in step (e),

wherein step (d) includes presenting the second marketing presentation responsive at least in part to the second display data received in step (f).

7. The method according to claim 5 wherein step (d) includes presenting a marketing presentation that sequentially follows the first marketing presentation in the predetermined particular marketing campaign.

8. The method according to claim 5 wherein step (b) includes presenting the first marketing presentation at a first cash dispensing automated banking machine, and wherein step (d) includes presenting the second marketing presentation at a second cash dispensing automated banking machine which differs from the first cash dispensing automated banking machine.

9. The method according to claim 5

wherein step (b) includes presenting the first marketing presentation through a display device of a first cash dispensing automated banking machine, and

wherein step (d) includes presenting the second marketing presentation through the display device of the first cash dispensing automated banking machine.

10. The method according to claim 5 wherein step (b) includes presenting the first marketing presentation on a first date, and wherein step (d) includes presenting the second marketing presentation on a second date, wherein the second date differs from the first date.

11. The method according to claim 5 and further comprising:

(e) prior to commencement of the first machine user transaction session, linking the first marketing presentation with the user identification in the at least one data store; and

(f) prior to commencement of the second machine user transaction session, linking the second marketing presentation with the user identification in the at least one data store.

12. The method according to claim 11 wherein step (f) occurs prior to commencement of the first machine user transaction session.

13. A method comprising:

(a) operating a cash dispensing automated banking machine responsive at least in part to receiving unique customer identification data during a user transaction session, to output a first marketing presentation previously linked with a first user transaction session involving the unique customer identification data in at least one data store prior to commencement of the user transaction session; and

(b) subsequent to step (a), operating a cash dispensing automated banking machine responsive at least in part to receiving the unique customer identification data during another user transaction session, to output a second marketing presentation previously linked with a second user transaction session involving the unique customer identification data in the at least one data store prior to commencement of the another user transaction session, wherein the second marketing presentation differs from the first marketing presentation, and wherein the first marketing presentation and the second marketing presentation are part of a same predetermined marketing campaign previously linked with the unique customer identification data prior to the commencement of the user transaction session.

14. The method according to claim 13 wherein the machine of step (a) is operative to communicate with a transaction host computer to carry out financial transactions, wherein the machine of step (b) is operative to communicate with the transaction host computer, and further comprising:

(c) prior to step (a), operating the machine during the user transaction session to receive from at least one remote marketing computer, first display data that corresponds to the first marketing presentation, wherein the first display data is received independent of communication with the transaction host computer;

(d) prior to step (b), operating the machine during the another user transaction session to receive from the at least one remote marketing computer, second display data that corresponds to the second marketing presentation, wherein the second display data is received independent of communication with the transaction host computer;

wherein step (a) includes outputting the first marketing presentation responsive at least in part to the first display data received in step (c),

wherein step (b) includes outputting the second marketing presentation responsive at least in part to the second display data received in step (d).

15. The method according to claim 13 wherein the first and second marketing presentations are part of a predetermined particular marketing campaign, wherein the second marketing presentation sequentially follows the first marketing presentation in the predetermined particular marketing campaign, and further comprising:

(c) subsequent to step (b), operating a cash dispensing automated banking machine responsive at least in part to receiving the unique customer identification data during a further user transaction session, to output a third marketing presentation previously linked with a third user transaction session involving the unique customer identification data in the at least one data store prior to commencement of the further user transaction session,

wherein the third marketing presentation differs from the first and second marketing presentations,

wherein the third marketing presentation is part of the predetermined particular marketing campaign, and

wherein the third marketing presentation sequentially follows the second marketing presentation in the predetermined particular marketing campaign.

16. The method according to claim 13 wherein step (a) includes outputting the first marketing presentation at a first cash dispensing automated banking machine, and wherein step (b) includes outputting the second marketing presentation at a second cash dispensing automated banking machine which differs from the first cash dispensing automated banking machine.

17. The method according to claim 13 wherein steps (a) and (b) are carried out at a same cash dispensing automated banking machine, and wherein (a) includes reading a unique physical characteristic signature from a magnetic stripe of a user card.

18. The method according to claim 13 wherein step (a) includes outputting the first marketing presentation on a first date, and wherein step (b) includes outputting the second marketing presentation on a second date, wherein the second date differs from the first date.

19. The method according to claim 13 and further comprising:

(c) prior to step (a), linking the first marketing presentation with the unique customer identification data in the at least one data store; and

(d) prior to step (b), linking the second marketing presentation with the unique customer identification data in the at least one data store.

20. The method according to claim 19 wherein step (d) occurs prior to step (a).