Pre-configure and customize ATM interaction using mobile device

• US 9,418,358 B2
• Filed: 12/05/2014
• Issued: 08/16/2016
• Est. Priority Date: 12/05/2014
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Johnson, Tyler, Mande, Christian Michael, Grimsley, James Robert, Gill, Sara, Dent, Nathan, Crist, Kristy M.
• Primary Examiner(s): Labaze, Edwyn
• Application Number:
  US14/562,471
• Publication Number:
  US 20160162855A1
• Time in Patent Office: 620 Days
• Field of Search: 235/379, 235/380, 235/382, 235/487, 705/41, 705/39, 705/44, 705/43, 705/42
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 20/381 Currency conversion
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules

Abstract

Embodiments of the invention are directed to a system, method, or computer program product for communicating customer preferences to an automated teller machine (ATM). In this way, the system receives at least one customer preference for conducting transactions at an ATM and input from the customer indicating the customer'"'"'s desire to conduct an ATM transaction. In response to receiving the customer input, the system may generate a customer preference communication for receipt by the ATM, wherein the customer preference communication comprises at least of the at least one customer preferences for conducting transactions at an ATM.

Claims

1. An automated teller machine (ATM), wherein the ATM is configured to enhance customer privacy and security, comprising:

a computer apparatus including a processor and a memory; and

a module stored in the memory, comprising executable instructions that when executed by the processor cause the processor to;

sense, via one or more sensor devices of the ATM, characteristics associated with the customer, comprising;

identifying a customer location relative to the ATM, the customer location comprising a vertical location of the customer relative to the ATM, a horizontal location of the customer relative to the ATM, a distance of the customer from the ATM and a customer body position;

identifying a customer stature, wherein identifying customer stature comprises determining a first portion of an ATM display blocked by the customer from a surrounding view;

tracking a position of the eyes of the customer, comprising determining a current customer view area; and

sensing at least one environmental condition proximate the ATM and/or customer;

determine and implement adjustments to the ATM display based on at least the sensed characteristics, wherein implementing the adjustments to the ATM display further comprises;

implementing mechanical adjustments to the ATM display, comprising;

determining an appropriate ATM display position based on at least the sensed characteristics, whereby customer experience and privacy are enhanced; and

adjusting the ATM display mechanically based on the determined appropriate ATM display position by initiating vertical movement of the ATM display, horizontal movement of the ATM display and/or tilting of the ATM display; and

implementing software adjustments to the ATM display, comprising;

determining a second portion of the ATM display least visible from the surrounding view based on the sensed characteristics and a geographic location of the ATM; and

relocating information displayed on the ATM display into the second portion of the ATM display for customer privacy and comfort of viewing;

present data to the customer using the adjusted ATM display;

receive input from the customer indicating the customer'"'"'s desire to conduct an ATM transaction;

establish an operative communication channel between a mobile device of the customer and the ATM; and

receive, from the mobile device of the customer via the operative communication channel, a customer preference communication, wherein the customer preference communication comprises at least one of the at least one customer preferences for conducting transactions at an ATM, comprising receiving the customer preference communication from the mobile device via a short distance communication protocol or via a readable indicia.

2. The ATM of claim 1, wherein receiving the customer preference communication comprises reading the readable indicia comprising information corresponding to the at least one of the at least one customer preferences.

3. The ATM of claim 2, wherein the readable indicia comprises a QR code.

4. The ATM of claim 1, wherein receiving the customer preference communication from the mobile device via a short distance communication protocol comprises receiving an NFC communication via the operative communication channel.

5. The ATM of claim 1, wherein the at least one customer preference comprises a preferred language for conducting ATM transactions.

6. The ATM of claim 1:

wherein the mobile device determines that the mobile device has entered a jurisdiction foreign to the customer'"'"'s home jurisdiction;

wherein, in response to determining that the mobile device has entered the foreign jurisdiction, the mobile device prompts the customer regarding whether the customer desires ATM transactions to be conducted in a preferred language of the customer; and

wherein the customer preference communication comprises at least one customer preference comprising information corresponding to the preferred language of the customer.

7. The ATM of claim 1, wherein the executable instructions that when executed by the processor further cause the processor to:

initiate prompting the customer to input whether the customer desires to pre-stage the ATM transaction;

receive customer input indicating the customer'"'"'s desire to pre-stage the ATM transaction;

receive transaction details from the customer; and

wherein receiving the customer preference communication comprises reading the readable indicia comprising information corresponding to the received transaction details.

8. The ATM of claim 1, wherein the executable instructions that when executed by the processor further cause the processor to:

communicate a one-use personal identification number (PIN) to the customer, wherein the one-use PIN corresponds to a preferred language of the customer;

wherein when the customer enters the one-use PIN into the ATM, the ATM transaction is conducted in the preferred language of the customer.

9. The ATM of claim 8, wherein the executable instructions that when executed by the processor further cause the processor to:

receive the one-use PIN from a backend system of a financial institution managing the ATM.

10. The ATM of claim 1, wherein the executable instructions that when executed by the processor further cause the processor to:

determine that the mobile device has entered a jurisdiction foreign to the customer'"'"'s home jurisdiction; and

generate an alert communicating to the customer availability of a dynamic currency exchange.

11. The ATM of claim 10, wherein the executable instructions that when executed by the processor further cause the processor to:

generate an alert communicating to the customer location information corresponding to at least one ATM near a location of the mobile device.

12. The ATM of claim 1, wherein the executable instructions that when executed by the processor further cause the processor to:

determine that the current customer view area is different from the ATM display; and

in response, turn off the ATM display or reduce a brightness level of the ATM display.

13. A computer program product for enhancing customer privacy and security at an automated teller machine (ATM), comprising a non-transitory computer-readable medium comprising code causing the ATM to:

sense, via one or more sensor devices of the ATM, characteristics associated with the customer, comprising;

identifying a customer location relative to the ATM, the customer location comprising a vertical location of the customer relative to the ATM, a horizontal location of the customer relative to the ATM, a distance of the customer from the ATM and a customer body position;

identifying a customer stature, wherein identifying customer stature comprises determining a first portion of an ATM display blocked by the customer from a surrounding view;

tracking a position of the eyes of the customer, comprising determining a current customer view area; and

sensing at least one environmental condition proximate the ATM and/or customer;

determine and implement adjustments to the ATM display based on at least the sensed characteristics, wherein implementing the adjustments to the ATM display further comprises;

implementing mechanical adjustments to the ATM display, comprising;

determining an appropriate ATM display position based on at least the sensed characteristics, whereby customer experience and privacy are enhanced; and

adjusting the ATM display mechanically based on the determined appropriate ATM display position by initiating vertical movement of the ATM display, horizontal movement of the ATM display and/or tilting of the ATM display; and

implementing software adjustments to the ATM display, comprising;

determining a second portion of the ATM display least visible from the surrounding view based on the sensed characteristics and a geographic location of the ATM; and

relocating information displayed on the ATM display into the second portion of the ATM display for customer privacy and comfort of viewing;

present data to the customer using the adjusted ATM display;

receive input from the customer indicating the customer'"'"'s desire to conduct an ATM transaction;

establish an operative communication channel between a mobile device of the customer and the ATM; and

receive, from the mobile device of the customer via the operative communication channel, a customer preference communication wherein the customer preference communication comprises at least one of the at least one customer preferences for conducting transactions at an ATM, comprising receiving the customer preference communication from the mobile device via a short distance communication protocol or via a readable indicia.

14. The computer program product of claim 13, wherein receiving the customer preference communication comprises receiving the readable indicia comprising information corresponding to the at least one of the at least one customer preferences.

15. The computer program product of claim 14, wherein the readable indicia comprises a QR code.

16. The computer program product of claim 13, wherein receiving the customer preference communication from the mobile device via a short distance communication protocol comprises receiving an NFC communication via the operative communication channel.

17. The computer program product of claim 13, wherein the at least one customer preference comprises a preferred language for conducting ATM transactions.

18. The computer program product of claim 13, wherein the code further causes the ATM to:

determine that the mobile device has entered a jurisdiction foreign to the customer'"'"'s home jurisdiction;

in response to determining that the mobile device has entered the foreign jurisdiction, initiate prompting the customer regarding whether the customer desires ATM transactions to be conducted in a preferred language of the customer; and

wherein the customer preference communication comprises at least one customer preference comprising information corresponding to the preferred language of the customer.

19. The computer program product of claim 13, wherein the code further causes the ATM to:

determine that the current customer view area is different from the ATM display; and

in response, turn off the ATM display or reduce a brightness level of the ATM display.

20. An automated teller system (ATM)-implemented method for enhancing customer privacy and security, the method comprising:

sensing, via one or more sensor devices of the ATM, characteristics associated with the customer, comprising;

identifying a customer location relative to the ATM, the customer location comprising a vertical location of the customer relative to the ATM, a horizontal location of the customer relative to the ATM, a distance of the customer from the ATM and a customer body position;

identifying a customer stature, wherein identifying customer stature comprises determining a first portion of an ATM display blocked by the customer from a surrounding view;

tracking a position of the eyes of the customer, comprising determining a current customer view area; and

sensing at least one environmental condition proximate the ATM and/or customer;

determining and implement adjustments to the ATM display based on at least the sensed characteristics, wherein implementing the adjustments to the ATM display further comprises;

implementing mechanical adjustments to the ATM display, comprising;

determining an appropriate ATM display position based on at least the sensed characteristics, whereby customer experience and privacy are enhanced; and

adjusting the ATM display mechanically based on the determined appropriate ATM display position by initiating vertical movement of the ATM display, horizontal movement of the ATM display and/or tilting of the ATM display; and

implementing software adjustments to the ATM display, comprising;

determining a second portion of the ATM display least visible from the surrounding view based on the sensed characteristics and a geographic location of the ATM; and

relocating information displayed on the ATM display into the second portion of the ATM display for customer privacy and comfort of viewing;

presenting data to the customer using the adjusted ATM display;

receiving input from the customer indicating the customer'"'"'s desire to conduct an ATM transaction;

establish an operative communication channel between a mobile device of the customer and the ATM; and

receive, from the mobile device of the customer via the operative communication channel, a customer preference communication wherein the customer preference communication comprises at least one of the at least one customer preferences for conducting transactions at an ATM, comprising receiving the customer preference communication from the mobile device via a short distance communication protocol or via a readable indicia.