Banking system controlled responsive to data bearing records to sequentially provide preassigned ordered marketing and campaign presentations to a particular individual over different transactions

• US 8,474,701 B1
• Filed: 06/20/2012
• Issued: 07/02/2013
• Est. Priority Date: 11/27/1998
• Status: Expired due to Term

• 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:
  US13/527,656
• Time in Patent Office: 377 Days
• Field of Search: 235/379, 235/380, 235/449, 235/487, 235/493, 705/43, 705/14.73, 705/14.36, 705/16, 705/21, 705/35, 705/42, 705/70, 705/14, 705/7.29, 705/7.32, 705/10
• 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. Apparatus comprising:

an automated banking machine operable to cause financial transfers responsive at least in part to data read from data bearing records,

wherein the machine includes at least one reader,

wherein the at least one reader is operable to read identifying data usable to identify a financial account with which the automated banking machine is operable responsive at least in part to computer-determined association between the identifying data read and the financial account, to carry out a financial transaction,

wherein the machine includes at least one cash dispenser,

wherein the at least one cash dispenser is operable to selectively dispense cash from the machine, to machine users authorized to request financial transactions based at least in part on identifying data read by the at least one reader,

wherein the machine includes at least one display,

wherein the at least one display includes at least one display screen,

wherein the machine includes at least one input device,

wherein the machine includes at least one data store,

wherein the at least one data store includes campaign data corresponding to a marketing campaign for customers of the machine,

wherein the marketing campaign includes a predetermined sequence of ordered marketing presentations,

 

wherein each marketing presentation differs from each other marketing presentation,

 

wherein the marketing presentations include a query marketing presentation,

 

wherein the marketing presentations include a first path marketing presentation,

wherein the marketing campaign includes at least two paths of marketing presentations,

 

wherein the query marketing presentation includes at least one query linked to the at least two paths,

 

wherein the first path marketing presentation is in a first path of the at least two paths,

wherein the campaign data links the marketing campaign to a plurality of customers authorized to use the machine,

wherein the campaign data indicates a point in the predetermined sequence where each respective customer is currently positioned,

wherein for each respective customer, the machine is configured to present through the at least one display during a machine session conducted by the respective customer, a next marketing presentation assigned to the respective customer, responsive at least in part to the at least one reader reading respective customer data that is linked to the predetermined sequence at a respective point which corresponds to the next marketing presentation assigned to the respective customer,

wherein for each respective customer, the machine is configured to present the first path marketing presentation to the respective customer through the at least one display during a further machine session conducted by the respective customer, responsive at least in part to both

the machine having received in response to prior presentation of the query marketing presentation to the respective customer, customer input which led to a point in the first path, and

the at least one reader reading during the further machine session, respective customer data that is linked to the predetermined sequence at a point in the first path where the first path marketing presentation is to be presented to the respective customer.

2. The apparatus according to claim 1 wherein the machine is part of a banking system that includes a plurality of cash dispensing automated banking machines,

wherein each machine includes at least one reader comprising a card reader and a biometric reader,

wherein each machine is respectively associated with at least one processor,

wherein the at least one processor is operative during a transaction to

cause card data to be read from a user card through operation of the card reader, and

cause biometric data to be read from a user through operation of the biometric reader,

wherein the at least one processor is operative to cause read card data to be compared with card information stored in an authorized machine user information data store,

wherein the at least one processor is operative to cause read biometric data to be compared with biometric information stored in the authorized machine user information data store,

wherein the at least one processor is operative to authorize a machine user to request a transaction responsive at least in part to both computer-determined correspondence between the read card data and stored card information, and

computer-determined correspondence between the read biometric data and stored biometric information.

21. The system according to claim 1 wherein the at least one reader includes a magnetic stripe card reader,

wherein the magnetic stripe card reader is operable to read a distinct magnetic characteristic from a magnetic stripe of a user card provided to the machine,

wherein the distinct magnetic characteristic comprises a uniquely identifiable magnetic field pattern resulting as a byproduct of manufacturing the magnetic stripe,

wherein the machine is associated with at least one processor,

wherein the at least one processor is operable to cause a uniquely identifiable magnetic field pattern read by the magnetic stripe card reader to be compared with card information stored in an authorized user information data store,

wherein the at least one processor is operable to allow a machine user to request a financial transaction, responsive at least in part to computer-determined correspondence between the read uniquely identifiable magnetic field pattern and card information stored in the authorized user information data store.

3. Apparatus comprising:

at least one data store associated with at least one automated banking machine that is operable to cause financial transfers responsive at least in part to data read from data bearing records,

wherein the at least one machine includes at least one reader,

wherein the at least one reader is operable to read identifying data usable to identify a financial account with which the at least one machine is operable responsive at least in part to computer-determined association between the identifying data read and the financial account, to carry out a financial transaction,

wherein the at least one machine includes at least one cash dispenser,

wherein the at least one cash dispenser is operable to selectively dispense cash from the at least one machine, to machine users authorized to request financial transactions based at least in part on identifying data read by the at least one reader,

wherein the at least one machine includes at least one display,

wherein the at least one display includes at least one display screen,

wherein the at least one machine includes at least one input device,

wherein the at least one data store includes campaign data corresponding to a marketing campaign for customers of the at least one machine,

wherein the marketing campaign includes data corresponding to a predetermined sequence of ordered marketing presentations,

wherein each marketing presentation differs from each other marketing presentation,

wherein the marketing presentations include a query marketing presentation,

wherein the marketing presentations include a first path marketing presentation,

wherein the marketing campaign includes at least two paths of marketing presentations,

wherein the query marketing presentation includes at least one query linked to the at least two paths,

wherein the first path marketing presentation is in a first path of the at least two paths,

wherein the campaign data links the marketing campaign to a plurality of customers authorized to use the at least one machine,

wherein the campaign data indicates a point in the predetermined sequence where each respective customer is currently positioned,

wherein for each respective customer, the campaign data enables the at least one machine to present through the at least one display during a machine session conducted by the respective customer, a next marketing presentation assigned to the respective customer, responsive at least in part to the at least one reader reading respective customer data that is linked to the predetermined sequence at a respective point which corresponds to the next marketing presentation assigned to the respective customer,

wherein for each respective customer, the campaign data enables the at least one machine to present the first path marketing presentation to the respective customer through the at least one display during a further machine session conducted by the respective customer, responsive at least in part to both

the at least one machine having received in response to prior presentation of the query marketing presentation to the respective customer, customer input which led to a point in the first path, and

the at least one reader reading during the further machine session, respective customer data that is linked to the predetermined sequence at a point in the first path where the first path marketing presentation is to be presented to the respective customer.

4. The apparatus according to claim 3 wherein the at least one machine is part of a banking system that includes a plurality of cash dispensing automated banking machines, wherein each machine includes at least one reader comprising a card reader and a biometric reader,

wherein each machine is respectively associated with at least one processor,

wherein the at least one processor is operative during a transaction to

cause card data to be read from a user card through operation of the card reader, and

cause biometric data to be read from a user through operation of the biometric reader,

wherein the at least one processor is operative to cause read card data to be compared with card information stored in an authorized machine user information data store,

wherein the at least one processor is operative to cause read biometric data to be compared with biometric information stored in the authorized machine user information data store,

wherein the at least one processor is operative to authorize a machine user to request a transaction responsive at least in part to both

computer-determined correspondence between the read card data and stored card information, and

computer-determined correspondence between the read biometric data and stored biometric information.

5. The apparatus according to claim 3 wherein the at least one machine comprises a sole machine, wherein the sole machine includes the at least one data store.

6. The apparatus according to claim 3

wherein for each respective customer, the campaign data enables:

a first machine of the at least one machine to present the next marketing presentation assigned to the respective customer, and

a second machine of the at least one machine to present the first path marketing presentation to the respective customer,

wherein the second machine differs from the first machine.

7. A method involving at least one data store associated with at least one automated banking machine that is operable to cause financial transfers responsive at least in part to data read from data bearing records,

wherein the at least one machine includes at least one reader,

wherein the method comprises:

(a) accessing the at least one data store; and

(b) storing in the at least one data store accessed in (a), campaign data corresponding to a marketing campaign for customers of the at least one machine,

wherein the marketing campaign includes data corresponding to a predetermined sequence of ordered marketing presentations,

wherein each marketing presentation differs from each other marketing presentation,

wherein the marketing presentations include a query marketing presentation,

wherein the marketing presentations include a first path marketing presentation,

wherein the marketing campaign includes at least two paths of marketing presentations,

wherein the query marketing presentation includes at least one query linked to the at least two paths,

wherein the first path marketing presentation is in a first path of the at least two paths,

wherein the campaign data links the marketing campaign to a plurality of customers authorized to use the at least one machine,

wherein the campaign data indicates a point in the predetermined sequence where each respective customer is currently positioned,

wherein for each respective customer, the campaign data is configured to cause the at least one machine to present through the at least one display during a machine session conducted by the respective customer, a next marketing presentation assigned to the respective customer, responsive at least in part to the at least one reader reading respective customer data that is linked to the predetermined sequence at a respective point which corresponds to the next marketing presentation assigned to the respective customer,

wherein for each respective customer, the campaign data is configured to cause the at least one machine to present the first path marketing presentation to the respective customer through the at least one display during a further machine session conducted by the respective customer, responsive at least in part to both

the at least one machine having received in response to prior presentation of the query marketing presentation to the respective customer, customer input which led to a point in the first path, and

the at least one reader reading during the further machine session, respective customer data that is linked to the predetermined sequence at a point in the first path where the first path marketing presentation is to be presented to the respective customer.

8. The method according to claim 7 wherein the at least one reader includes a card reader and a biometric reader,

wherein each automated banking machine:

includes at least one cash dispenser, and

is associated with at least one processor,

wherein the at least one processor is operable to;

cause card data to be read from a user card through operation of the card reader, and

cause biometric data to be read from a customer through operation of the biometric reader,

and wherein the machine session includes;

(i) operating the card reader to read card data;

(ii) operating the biometric reader to read biometric data;

(iii) determining whether the respective customer is allowed to request a cash dispense transaction, responsive at least in part to both

computer-determined correspondence between the card data read in (i) and stored card information, and

computer-determined correspondence between the biometric data read in (ii) and stored biometric information.

9. The method according to claim 7 wherein the at least one data store is associated with at least one automated banking machine that comprises a sole machine, wherein the sole machine includes the at least one data store and at least one cash dispenser.

10. The method according to claim 7 wherein the at least one data store is associated with a plurality of automated banking machines, wherein each machine includes at least one cash dispenser, wherein each cash dispenser is operable to selectively dispense cash to machine users authorized to request financial transactions based at least in part on customer data read by the at least one reader.

11. The method according to claim 7 and further comprising:

(c) accessing the at least one data store responsive at least in part to the at least one reader reading first customer data during a first transaction session that involves a first customer and the at least one automated banking machine, in determining that the first customer data is associated in the at least one data store with a first marketing presentation that is to be displayed during the first transaction session; and

(d) subsequent to (c), accessing the at least one data store responsive at least in part to the at least one reader reading the first customer data during a next transaction session that involves the first customer and the at least one automated banking machine, in determining that the first customer data is associated in the at least one data store with a next marketing presentation that is to be displayed during the next transaction session.

12. The method according to claim 11 wherein the first transaction session in (c) and the next transaction session in (d) involve the same automated banking machine.

13. The method according to claim 11 wherein in (c) the first transaction session involves a first automated banking machine, and wherein in (d) the next transaction session involves a second automated banking machine which differs from the first automated banking machine.

14. A method comprising:

(a) developing a banking system marketing campaign application that is operable with a plurality of banking system automated banking machines operable to cause financial transfers responsive at least in part to data read from data bearing records,

wherein the marketing campaign application is associated with at least one data store that includes both;

a marketing campaign comprising data corresponding to a predetermined sequence of ordered marketing presentations that are to be presented to a plurality of customers,

wherein the predetermined sequence includes at least two paths of marketing presentations,

 

wherein a first path marketing presentation is in a first path of the at least two paths,

wherein the marketing presentations include a query marketing presentation,

 

wherein the query marketing presentation includes at least one query linked to the at least two paths,

wherein each marketing presentation differs from each other marketing presentation, and

campaign data which;

links the marketing campaign to each respective customer, and

indicates a point in the predetermined sequence where each respective customer is currently positioned,

wherein the marketing campaign application includes computer executable instructions,

wherein the computer executable instructions are operable to cause at least one computer associated with the machines to;

(i) determine during a machine session involving a machine of the machines and a first customer of the customers, a marketing presentation in the predetermined sequence that is to be presented to the first customer,

 

wherein the determination is based at least in part on the first customer being linked in the at least one data store with the marketing campaign at a particular point in the predetermined sequence,

(ii) determine during another machine session involving a machine of the machines and the first customer, a next marketing presentation in the predetermined sequence that is to be presented to the first customer,

 

wherein the determination is based at least in part on the first customer being linked in the at least one data store with the marketing campaign at a further particular point in the predetermined sequence,

 

wherein the further particular point is subsequently positioned in the predetermined sequence relative to the particular point in (i),

wherein the computer executable instructions are operable,

responsive at least in part to

 

the marketing presentation in (i) comprising the query marketing presentation, and

 

the machine in (i) receiving first customer input which leads to a point in the first path,

to cause the at least one computer to cause the next marketing presentation in (ii) to comprise the first path marketing presentation; and

(b) storing in at least one data store, the marketing campaign application developed (a).

15. The method according to claim 14

wherein each automated banking machine:

includes at least one reader,

wherein the at least one reader includes a card reader and a biometric reader,

includes at least one cash dispenser, and

is associated with at least one processor,

wherein the at least one processor is operable to

cause card data to be read from a user card through operation of the card reader, and

cause biometric data to be read from a customer through operation of the biometric reader,

wherein (i) further comprises;

(ia) operating the card reader to read card data

(ib) operating the biometric reader to read biometric data;

(ic) determining whether the first customer is allowed to request a cash dispense transaction, responsive at least in part to both computer-determined correspondence between the card data read in (ia) and stored card information, and

computer-determined correspondence between the biometric data read in (ib) and stored biometric information.

16. The method according to claim 14 wherein each machine includes at least one cash dispenser, wherein each cash dispenser is operable to selectively dispense cash to machine users authorized to request financial transactions based at least in part on identifying data read by the at least one reader.

17. The method according to claim 14 wherein the machine session in (i) involves a first automated banking machine, and wherein the another machine session in (ii) involves a second automated banking machine which differs from the first automated banking machine.

18. The method according to claim 14 and further comprising:

(c) determining during a machine session involving a machine of the machines and the first customer, a marketing presentation in the predetermined sequence that is to be presented to the first customer; and

(d) determining during another machine session involving a machine of the machines and the first customer, a next marketing presentation in the predetermined sequence that is to be presented to the first customer.

19. The method according to claim 18 wherein the machine session in (c) and the another machine session in (d) involve the same automated banking machine.

20. The method according to claim 18 wherein the machine session in (c) involves a first automated banking machine, and wherein the another machine session in (d) involves a second automated banking machine which differs from the first automated banking machine.