System and method for granting promotional rewards to both customers and non-customers
First Claim
1. A computer-implemented method for accessing a rewards account comprising:
- receiving an interaction from a customer, wherein the interaction is received via an interface associated with a financial institution and comprises at least identifying information which identifies the customer;
determining, by at least one computer processor, a customer status comprising determining whether the customer 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;
determining, by the at least one computer processor, one or more accounts associated with the customer, wherein the computer processor determines the one or more accounts based on the identity of the customer and the customer status and the one or more accounts comprise at least a rewards account with a rewards balance associated therewith;
receiving an action selection from the customer wherein the action selection is selected from a presented list of one or more available actions presented based on the customer status;
receiving an account selection from the one or more available accounts; and
performing, by the at least one computer processor, the action selection upon the account selection; and
dispensing a receipt upon completion of the action performance,wherein the receipt comprises an indicia of a reward, the reward being dispensed to the customer based on one or more preferences pre-determined by the customer.
1 Assignment
0 Petitions
Accused Products
Abstract
Aspects of the invention include systems and methods of using an Automated Teller Machine (ATM) to access a rewards account. The customer may access the ATM using a card or other device. Account information associated with the customer, including a rewards account, may be retrieved by the ATM. Through the ATM, the customer may perform actions upon the rewards account. The actions may include, but are not limited to, a balance inquiry, a withdrawal and/or redemption, an account transfer, and preferences. Subsequent to, or coincident with, a withdrawal/redemption or account transfer, the rewards account may be debited an appropriate amount to equate to the amount of the withdrawal/redemption or account transfer. Following the completion of the customer'"'"'s transaction, a receipt may be dispensed from the ATM. The receipt may include the rewards account balance.
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Citations
32 Claims
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1. A computer-implemented method for accessing a rewards account comprising:
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receiving an interaction from a customer, wherein the interaction is received via an interface associated with a financial institution and comprises at least identifying information which identifies the customer; determining, by at least one computer processor, a customer status comprising determining whether the customer 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; determining, by the at least one computer processor, one or more accounts associated with the customer, wherein the computer processor determines the one or more accounts based on the identity of the customer and the customer status and the one or more accounts comprise at least a rewards account with a rewards balance associated therewith; receiving an action selection from the customer wherein the action selection is selected from a presented list of one or more available actions presented based on the customer status; receiving an account selection from the one or more available accounts; and performing, by the at least one computer processor, the action selection upon the account selection; and dispensing a receipt upon completion of the action performance, wherein the receipt comprises an indicia of a reward, the reward being dispensed to the customer based on one or more preferences pre-determined by the customer. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17)
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18. A computer implemented method for accessing a rewards account and configuring preferences associated therewith comprising:
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receiving an interaction from a customer, wherein the interaction is received via an interface associated with a financial institution and comprises at least identifying information which identifies the customer; determining, by at least one computer processor, a customer status comprising determining whether the customer 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; determining, by the at least one computer processor, one or more accounts associated with the customer, wherein the computer processor determines the one or more accounts based on the identity of the customer and the customer status and the one or more accounts comprise at least a rewards account with a rewards balance associated therewith; presenting a menu comprising preference information, wherein the preference information comprises options relating to the one or more accounts and the options comprise rules regarding processing and maintaining of the one more accounts; receiving a selection from the menu; receiving a transaction for the one or more accounts; applying the selection to the processing of the transaction. - View Dependent Claims (19, 20)
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21. A computer implemented system for accessing a rewards account comprising:
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an interface communicatively coupled to a network and associated with a financial institution; one or more processors, communicatively coupled to the interface, configured to perform the following; receive an interaction from a customer, wherein the interaction comprises at least receiving identifying information from the customer; determine a customer status comprising determining whether the customer 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; determine one or more accounts associated with the customer upon determining the customer status, the one or more accounts comprising at least a rewards account with a rewards balance associated therewith; receive an action selection from the customer wherein the action selection is selected from a presented list of one or more available actions presented based on the customer status; receive an account selection from the one or more available accounts; perform the action selection upon the account selection; and dispense a receipt upon completion of the action performance using a dispenser, wherein the receipt comprises an indicia of a reward, the reward being dispensed to the customer based on one or more preferences pre-determined by the customer. - View Dependent Claims (22, 23, 24, 25, 26, 27, 28)
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29. A computer implemented system for accessing a rewards account and configuring preferences associated therewith comprising:
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an interface communicatively coupled to a network and associated with a financial institution; one or more processors, communicatively coupled to the interface, configured to perform the following; receive an interaction from a customer wherein the interaction comprises at least receiving identifying information from the customer; determine a customer status comprising determining whether the customer 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; determine one or more accounts associated with the customer based upon the customer status, the one or more accounts comprising at least a rewards account with a rewards balance associated therewith; present a menu comprising preference information, wherein the preference information comprises options relating to the one or more accounts and the options comprise rules regarding processing and maintaining of the one more accounts; receive a selection from the menu; receiving a transaction for the one or more accounts; apply the selection to the processing of the transaction. - View Dependent Claims (30, 31)
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32. A computer-implemented method for accessing a rewards account comprising:
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receiving an interaction from a customer, wherein the interaction is received via an interface associated with a financial institution and comprises at least identifying information which identifies the customer; determining, by at least one computer processor, a customer status comprising determining whether the customer 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; determining, by the at least one computer processor, one or more accounts associated with the customer, wherein the computer processor determines the one or more accounts based on the identity of the customer and the customer status and the one or more accounts comprise at least a rewards account with a rewards balance associated therewith; presenting a list comprising one or more actions to the customer, wherein the one or more actions comprise for an existing customer;
a balance inquiry, a withdrawal action, an account transfer, and preference configuration and comprise, for a potential customer, options to open an account with a rewards account associated therewith;receiving an action selection from the customer, wherein the customer performs the action selection from the list; receiving an account selection from the one or more available accounts, wherein the account selection comprises at least the rewards account; displaying the point balance of the rewards account; displaying a conversion rate representing the conversion of one or more points in the rewards account to one or more units of currency or one or more units of rewards; performing the action selection upon the account selection; and dispensing a receipt upon completion of the action performance, wherein the receipt comprises an indicia of a reward, the reward being dispensed to the customer based on one or more preferences pre-determined by the customer.
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Specification