ATM customer messaging systems and methods

• US 9,292,840 B1
• Filed: 11/20/2014
• Issued: 03/22/2016
• 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, Goetz, Darren, Nguyen, Xuan, Agahi, Nahal
• Primary Examiner(s): Le, Thien M
• Application Number:
  US14/549,151
• Time in Patent Office: 488 Days
• Field of Search: 235/379, 235/380, 235/382, 235/382.5
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 30/0226 Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 50/01 Social networking
• CPC Class Codes: G07F 19/206 Software aspects at ATMs
• CPC Class Codes: H04L 63/102 Entity profiles

Abstract

Identification information for a first account holder at a financial institution is received. The first account holder is authenticated based on the identification information. A second account holder at the financial institution is identified as being known to the first account holder. Inputs are received from the first account holder to configure a message to be displayed to the second account holder. The message is displayed to the second account holder from the first account holder.

Claims

1. A method, comprising:

receiving identification information of a first account holder at a financial institution;

authenticating the first account holder based on the identification information;

identifying a second account holder at the financial institution as being known to the first account holder;

identifying an upcoming personal event associated with the second account holder, including determining date information for the upcoming personal event;

receiving inputs to configure a message to be displayed to the second account holder based on the personal event, the inputs being received from the first account holder; and

displaying the message to the second account holder from the first account holder, the message being displayed based on the date information to coincide with the occurrence of the personal event of the second account holder.

2. The method of claim 1, further comprising receiving trigger configuration information from the first account holder, and wherein the displaying step is performed at a time that is determined at least in part based on the trigger configuration information.

3. The method of claim 2, wherein the trigger configuration information is date information.

4. The method of claim 3, wherein the trigger configuration information causes the displaying step to coincide with a personal event in the life of the second account holder.

5. The method of claim 3, wherein the message is a happy birthday message, and wherein the trigger configuration information causes the displaying step to coincide with a birthday of the second account holder.

6. The method of claim 2, wherein the trigger configuration information is goal information, and wherein the trigger configuration information causes the displaying step to coincide with when a financial goal of the recipient is reached.

7. The method of claim 2, wherein the trigger configuration information is location information pertaining to a location where a transaction performed by the recipient occurred, and wherein the trigger configuration information causes the displaying step to coincide with when the recipient is traveling away from home.

8. The method of claim 1, wherein the displaying step is performed at a time that is determined at least in part by an account balance of the second account holder.

9. The method of claim 1, wherein the trigger configuration information is location information pertaining to a location where a transaction performed by the recipient occurred.

10. The method of claim 1, wherein identifying the second account holder comprises accessing a social media website using login credentials of the first account holder.

11. The method of claim 1, wherein the displaying step is performed by an automated teller machine.

12. The method of claim 1, further comprising delivering a gift to the second account holder in association with the message.

13. The method of claim 12, wherein the displaying step is performed by an automated teller machine, and wherein the gift is cash dispensed at the automated teller machine when the message is displayed to the second account holder.

14. The method of claim 12, wherein the gift is generated using merchant rewards points accumulated by the first account holder.

15. A system for customer transaction machine messaging service comprising:

a bank computing system having logic stored within a non-transitory computer readable medium, the logic executable by a processor; and

a plurality of automated teller machines (ATMs) associated with a financial institution and coupled to the bank computing system, wherein the ATMs and the banking computer system in combination are configured to;

receive identification information of a first account holder at the financial institution;

authenticate the first account holder based on the identification information;

identify a second account holder at the financial institution as being known to the first account holder;

identify an upcoming personal event associated with the second account holder, including determining date information for the upcoming personal event;

receive inputs to configure a message to be displayed to the second account holder based on the personal event, the inputs being received from the first account holder at any one of the plurality of ATMs; and

display the message to the second account holder from the first account holder, wherein the message is displayed to the second account holder at any one of the plurality of ATMs based on the date information to coincide with the occurrence of the personal event of the second account holder.

16. The system of claim 15, wherein the ATMs and the banking computer system in combination are configured to receive trigger configuration information from the first account holder, and wherein the message is displayed at a time that is determined at least in part based on the trigger configuration information.

17. The system of claim 16, wherein the trigger configuration information is date information.

18. The system of claim 17, wherein the trigger configuration information causes the message to be displayed concurrently with a personal event in the life of the second account holder.

19. The system of claim 17, wherein the message is a happy birthday message, and wherein the trigger configuration information causes the message to be displayed concurrently with a birthday of the second account holder.

20. The system of claim 16, wherein the trigger configuration information is goal information, and wherein the trigger configuration information causes the causes the message to be displayed concurrently with when a financial goal of the recipient is reached.

21. The system of claim 16, wherein the trigger configuration information is location information pertaining to a location where a transaction performed by the recipient occurred, and wherein the trigger configuration information causes the message to be displayed concurrently with when the recipient is traveling away from home.

22. The system of claim 15, wherein the message is displayed at a time that is determined at least in part by an account balance of the second account holder.

23. The system of claim 15, wherein the trigger configuration information is location information pertaining to a location where a transaction performed by the recipient occurred.

24. The system of claim 15, wherein the second account holder is identified using a social media website, including using login credentials of the first account holder for the social media website.

25. The system of claim 15, wherein the ATMs and the banking computer system in combination are configured to deliver a gift to the second account holder in association with the message.

26. The system of claim 25, wherein the gift is cash dispensed at any one of the plurality of ATMs when the message is displayed to the second account holder.

27. The system of claim 25, wherein the gift is generated using merchant rewards points accumulated by the first account holder.

28. An event messaging method using one or more automated teller machine (ATMs) and a bank computing system associated with a financial institution, the method comprising:

receiving data information regarding a personal event associated with at least one of a first joint account holder and a second joint account holder into the bank computing system, the data including date information regarding the personal event;

receiving a request to provide the data to one of the ATMs, the ATMs being configured to;

receive identification information from the user at any one of the ATMs,

authenticate, using the identification information, the user,

identify a joint account holder sharing a common financial account with the user,

receive the data regarding the personal event, and

display an invitation to the user to send an event related message to a recipient through one of the ATMs, wherein the user is one of the first joint account holder and the second joint account holder, wherein the recipient is the remaining joint account holder, and wherein the event related message is related to the identified personal event; and

providing at least the date information to messaging logic within any one of the ATMs, wherein any one of the ATMs is configured to generate a message from one joint account holder to the other joint account holder regarding the personal event through any one of the ATMs, the message being displayed based on the date information to coincide with the occurrence of the identified personal event.