Self-service device user asset condition alert
First Claim
1. A central computing system comprising:
- a receiver module configured to receive from a self-service device a notification that a self-device user is authorized to access an account, the notification following a determination by the self-service device that the user is authorized to access the account;
a processor module in communication with the receiver module and configured to determine, in response to receiving from the self-service device the notification that the user is authorized to access the account, and prior to user selection of a transaction, whether a predetermined asset alert condition exists that corresponds to the account, wherein the asset alert condition comprises an account overdraft or a low account balance;
a transmitter module;
wherein;
when the predetermined asset alert condition exists;
the transmitter module is configured to transmit an alert notification to the self-service device for presentation to the user;
the processor module is further configured to evaluate user options to ameliorate the asset alert condition; and
the transmitter module is further configured to transmit to the self-service device one or more user options to ameliorate the asset alert condition for presentation to the user; and
when the predetermined asset alert condition does not exist, the transmitter module is configured to authorize access to an account in response to the authorization notification.
1 Assignment
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Accused Products
Abstract
A method for operating an electronic self-service device is provided. A central computing system according to the invention may include a receiver module configured to receive an input from a self-service device. The input may include information corresponding to a user account authorization notification. The central computing system may also include a processor module configured to determine whether a predetermined asset alert condition exists that corresponds to the account. The central computing system may also include a transmitter module. When the predetermined asset alert condition is determined to exist, the transmitter module may be configured to transmit an alert notification to the self-service device. When the predetermined asset alert condition does not exist, the transmitter module may be configured to authorize use of an account in response to the authorization notification.
26 Citations
24 Claims
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1. A central computing system comprising:
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a receiver module configured to receive from a self-service device a notification that a self-device user is authorized to access an account, the notification following a determination by the self-service device that the user is authorized to access the account; a processor module in communication with the receiver module and configured to determine, in response to receiving from the self-service device the notification that the user is authorized to access the account, and prior to user selection of a transaction, whether a predetermined asset alert condition exists that corresponds to the account, wherein the asset alert condition comprises an account overdraft or a low account balance; a transmitter module; wherein; when the predetermined asset alert condition exists; the transmitter module is configured to transmit an alert notification to the self-service device for presentation to the user; the processor module is further configured to evaluate user options to ameliorate the asset alert condition; and the transmitter module is further configured to transmit to the self-service device one or more user options to ameliorate the asset alert condition for presentation to the user; and when the predetermined asset alert condition does not exist, the transmitter module is configured to authorize access to an account in response to the authorization notification. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. One or more non-transitory computer-readable media storing computer-executable instructions which, when executed by a processor on a computer system, perform a method for alerting a self-service device user to an asset condition alert, the method comprising:
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using a receiver module to receive from a self-service device a notification that account use has been authorized for a self-service device user, the notification following a determination of account use authorization by the self-service device; in response to receiving from the self-service device the notification that the account use has been authorized, and prior to user entry of information regarding a transaction, using a processor module to determine whether a predetermined asset alert condition exists that corresponds to the account, wherein the asset alert condition comprises an account overdraft or low account balance; when the predetermined asset alert condition exists; using a transmitter module to transmit an alert notification to the self-service device for presentation to the user; using the processor module to evaluate user options to ameliorate the existing asset alert condition; and using the transmitter module to transmit to the self-service device one or more user options to ameliorate the asset alert condition for presentation to the user; and when the predetermined asset alert condition does not exist, using the transmitter module to authorize use of an account in response to the notification that account use has been authorized. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16)
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17. A self-service device comprising:
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a receiver module configured to receive an input from a user, the input including information corresponding to a request for account access authorization; a processor module in communication with the receiver module and configured to authorize account access based on the received input; and a transmitter module configured to transmit a notification authorizing account access to a central computing system; wherein; prior to a user entry of information regarding a transaction, the processor module is further configured to interrupt a current work flow of the self-service device; and when a predetermined asset alert condition exists, the receiver module is configured to receive from the central computing system; an asset alert condition alert notification, wherein the asset alert condition comprises an account overdraft or low account balance; and one or more user options to ameliorate the existing asset alert condition for presentation to the user; and when the predetermined asset alert condition does not exist, the processor module is configured to authorize use of an account in response to the notification authorizing account access. - View Dependent Claims (18, 19, 20, 21, 22, 23, 24)
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Specification