Service messaging system and method for a transaction machine

• US 9,230,413 B1
• Filed: 11/08/2013
• Issued: 01/05/2016
• Est. Priority Date: 04/07/2011
• Status: Active Grant

• Current Assignee: Wells Fargo Bank NA (Wells Fargo & Company)
• Original Assignee: Wells Fargo Bank NA (Wells Fargo & Company)
• Inventors: Velline, Jonathan George, Moore, Alicia Yi-Ping, Schrag, Elizabeth
• Primary Examiner(s): Le, Thien M
• Application Number:
  US14/076,071
• Time in Patent Office: 788 Days
• Field of Search: 235/379, 235/380, 235/382
• US Class Current: 1/1
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/201 Accessories of ATMs
• CPC Class Codes: G07F 19/202 Depositing operations within ATMs depositing in general G07D11/00
• CPC Class Codes: G07F 19/206 Software aspects at ATMs

Abstract

Identification information is received from a transaction card at a transaction machine. The transaction card is associated with an account holder using the transaction machine. Using the identification information, activity profile information is accessed for the account holder. A service-related message is generated based on the activity profile information. Screen content including the service-related message is displayed to the account holder via a display screen of the transaction machine.

Claims

1. A method, comprising:

receiving identification information from a transaction card at a transaction machine, the transaction card being associated with an account holder using the transaction machine;

accessing, using the identification information, activity profile information for the account holder;

generating a service-related message to be displayed to the account holder based on the activity profile information; and

displaying screen content including the service-related message to the account holder via a display screen of the transaction machine.

2. A method according to claim 1, wherein the activity profile information comprises bill pay information, and wherein the service-related message relates to a service to pay a bill of the account holder via the transaction machine.

3. A method according to claim 2, wherein the service is a same day bill payment service.

4. A method according to claim 1, wherein the activity profile information comprises information regarding a telephone number provided by the account holder, and wherein the service-related message specifies an option for the account holder to update the telephone number via the transaction machine.

5. A method according to claim 1, wherein the activity profile information comprises information regarding whether the account holder has enrolled in mobile banking, and wherein the service-related message specifies an option for the account holder to enroll in mobile banking via the transaction machine.

6. A method according to claim 1, wherein the activity profile information comprises information regarding rewards points acquired by the account holder, and wherein the service-related message specifies an option for the account holder redeem the rewards points via the transaction machine.

7. A method according to claim 6, wherein the rewards points are redeemed for cash at the transaction machine.

8. A method according to claim 1, wherein the activity profile information comprises information regarding a transaction of the account holder at the transaction machine, and wherein the service-related message specifies an option to donate change from the transaction to a charity.

9. A method according to claim 1, wherein the activity profile information comprises information regarding a transaction of the account holder at the transaction machine, and wherein the service-related message specifies an option to view a payor list after a number of checks have been deposited.

10. A method according to claim 1, wherein the activity profile information comprises information regarding a transaction performed by the account holder at the transaction machine, and wherein the service-related message specifies an option to receive a receipt from the transaction.

11. A method according to claim 1, wherein the activity profile information comprises information regarding transactions performed by the account holder at transaction machines, and wherein the service-related message specifies an option to receive a receipt from a transaction performed at a transaction machine during a preceding period of time.

12. A method according to claim 1, wherein the activity profile information comprises credit-related information, and wherein the service-related message specifies an option to view credit report scores at the transaction machine.

13. An automated teller machine system comprising:

a display;

a dispensing device configured to dispense cash;

a deposit device configured to receive a deposit of cash or checks;

a transaction card reader receiving identification information from a transaction card, the transaction card being associated with an account holder using the automated teller machine;

a user interface generation logic configured to access activity profile information for the account holder;

the user interface generation logic configured to generate a service-related message to be displayed to the account holder based on the activity profile information; and

the display configured to display screen content including the service-related message to the account holder at the transaction machine.

14. An automated teller machine system according to claim 13, wherein the activity profile information comprises bill pay information, and wherein the service-related message relates to a service to pay a bill of the account holder via the transaction machine.

15. An automated teller machine system according to claim 14, wherein the service is a same day bill payment service.

16. An automated teller machine system according to claim 13, wherein the activity profile information comprises information regarding a telephone number provided by the account holder, and wherein the service-related message specifies an option for the account holder to update the telephone number via the transaction machine.

17. An automated teller machine system according to claim 13, wherein the activity profile information comprises information regarding whether the account holder has enrolled in mobile banking, and wherein the service-related message specifies an option for the account holder to enroll in mobile banking via the transaction machine.

18. An automated teller machine system according to claim 13, wherein the activity profile information comprises information regarding rewards points acquired by the account holder, and wherein the service-related message specifies an option for the account holder redeem the rewards points via the transaction machine.

19. An automated teller machine system according to claim 18, wherein the rewards points are redeemed for cash at the transaction machine.

20. An automated teller machine system according to claim 13, wherein the activity profile information comprises information regarding a transaction of the account holder at the transaction machine, and wherein the service-related message specifies an option to donate change from the transaction to a charity.