ATM customer messaging systems and methods

• US 9,984,411 B1
• Filed: 03/21/2016
• Issued: 05/29/2018
• 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:
  US15/075,833
• Time in Patent Office: 799 Days
• Field of Search: 235379
• 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 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

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

receive identification information of a first account holder at a 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 a financial goal associated with the second account holder;

receive inputs to configure a message to be displayed to the second account holder based on the financial goal, the inputs being received from the first account holder; and

display the message to the second account holder from the first account holder, the message being displayed based on the financial goal.

2. The system of claim 1, wherein the one or more ATMs and the banking computer system in combination are configured to detect achievement of the financial goal, and wherein the message is displayed to coincide with the achievement of the financial goal.

3. The system of claim 2, wherein achievement of the financial goal is detected based on an account balance of the second account holder.

4. The system of claim 3, wherein the financial goal is a savings goal of the second account holder.

5. The system of claim 1, wherein the one or more ATMs and the banking computer system in combination are configured to prompt the first account holder to provide the inputs upon identifying the financial goal.

6. The system 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.

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

8. The system of claim 1, wherein the financial goal is identified based on an online banking account of the second account holder.