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US-20260127665-A1 - ATM CUSTOMER MESSAGING SYSTEMS

US20260127665A1US 20260127665 A1US20260127665 A1US 20260127665A1US-20260127665-A1

Abstract

A method includes authenticating an account holder via an automated teller machine (ATM) based on identification information, identifying an event associated with the account holder, and delivering a gift to the account holder via the ATM based on the account holder accessing the ATM at a time occurring within a time window associated with the event.

Inventors

  • Jonathan VELLINE
  • Darren Goetz
  • Xuan Nguyen
  • Nahal Agahi

Assignees

  • WELLS FARGO BANK, N.A.

Dates

Publication Date
20260507
Application Date
20251229

Claims (20)

  1. 1 . A method comprising: authenticating an account holder via an automated teller machine (ATM) based on identification information; and displaying a message associated with an event associated with the account holder via the ATM based on the account holder accessing the ATM at a time associated with the event.
  2. 2 . The method of claim 1 , wherein the account holder accessing the ATM at the time associated with the event comprises the account holder accessing the ATM within a time window associated with the event, and the event is a cyclical event or a one-time event.
  3. 3 . The method of claim 2 , wherein the event is one of: an adoption date associated with the account holder, an anniversary associated with the account holder, a graduation day associated with the account holder, a house warming associated with the account holder, a new job associated with the account holder, or the account holder achieving specific school grades.
  4. 4 . The method of claim 2 , further comprising delivering a gift to the account holder via the ATM.
  5. 5 . The method of claim 4 , further comprising receiving a user input from the account holder via the ATM, wherein the user input causes the gift to be delivered to the account holder at the time occurring within the time window.
  6. 6 . The method of claim 4 , wherein the gift comprises cash dispensed at the ATM.
  7. 7 . The method of claim 4 , wherein the gift is generated using merchant rewards points accumulated by the account holder.
  8. 8 . A system comprising: a computing system associated with a financial institution and communicatively coupled with one or more automated teller machines (ATMs), the computing system configured to: authenticate an account holder via an automated teller machine (ATM) based on identification information; and display a message associated with an event via the ATM based on the account holder accessing the ATM at a time associated with the event.
  9. 9 . The system of claim 8 , wherein the account holder accessing the ATM at the time associated with the event comprises the account holder accessing the ATM within a time window associated with the event, and the event is a cyclical event or a one-time event.
  10. 10 . The system of claim 9 , wherein the event is one of: an adoption date associated with the account holder, an anniversary associated with the account holder, a graduation day associated with the account holder, a house warming associated with the account holder, a new job associated with the account holder, or the account holder achieving specific school grades.
  11. 11 . The system of claim 9 , wherein the computing system is further configured to deliver a gift to the account holder via the ATM.
  12. 12 . The system of claim 11 , wherein the computing system is further configured to receive a user input from the account holder via the ATM, wherein the user input causes the gift to be delivered to the account holder at the time occurring within the time window.
  13. 13 . The system of claim 11 , wherein the gift comprises cash dispensed at the ATM.
  14. 14 . The system of claim 11 , wherein the gift is generated using merchant rewards points accumulated by the account holder.
  15. 15 . One or more non-transitory computer-readable media having instructions stored thereon that, when executed by one or more processors of a computing system, cause the one or more processors to perform operations comprising: authenticating an account holder via an automated teller machine (ATM) based on identification information; and displaying a message associated with an event via the ATM based on the account holder accessing the ATM at a time occurring within a time window associated with the event.
  16. 16 . The one or more non-transitory computer-readable media of claim 15 , wherein the event is a cyclical event or a one-time event.
  17. 17 . The one or more non-transitory computer-readable media of claim 15 , wherein the event is one of: an adoption date associated with the account holder, an anniversary associated with the account holder, a graduation day associated with the account holder, a house warming associated with the account holder, a new job associated with the account holder, or the account holder achieving specific school grades.
  18. 18 . The one or more non-transitory computer-readable media of claim 15 , wherein the operations further comprise delivering a gift to the account holder via the ATM.
  19. 19 . The one or more non-transitory computer-readable media of claim 18 , wherein the operations further comprise receiving a user input from the account holder via the ATM, wherein the user input causes the gift to be delivered to the account holder at the time occurring within the time window.
  20. 20 . The one or more non-transitory computer-readable media of claim 18 , wherein one of the gift comprises cash dispensed at the ATM or the gift is generated using merchant rewards points accumulated by the account holder.

Description

CROSS-REFERENCE TO RELATED APPLICATIONS This application is a continuation of U.S. patent application Ser. No. 18/760,295, filed Jul. 1, 2024, which is a continuation of U.S. patent application Ser. No. 18/111,784, filed Feb. 20, 2023, now U.S. Pat. No. 12,026,771, which is a continuation of U.S. patent application Ser. No. 17/181,854, filed Feb. 22, 2021, now U.S. Pat. No. 11,587,160, which is a continuation of U.S. patent application Ser. No. 16/672,149, filed Nov. 1, 2019, now U.S. Pat. No. 10,929,922, which is a continuation of U.S. patent application Ser. No. 15/870,690, filed Jan. 12, 2018, now U.S. Pat. No. 10,482,529, which is a continuation of U.S. patent application Ser. No. 15/075,833, filed Mar. 21, 2016, now U.S. Pat. No. 9,984,411, which is a continuation of U.S. patent application Ser. No. 14/549,151, filed Nov. 20, 2014, now U.S. Pat. No. 9,292,840, which is a continuation-in-part of U.S. patent application Ser. No. 14/076,071, filed Nov. 8, 2013, now U.S. Pat. No. 9,230,413, which is a continuation of U.S. patent application Ser. No. 13/441,777, filed Apr. 6, 2012, now U.S. Pat. No. 8,602,296, which claims the benefit of U.S. Provisional Application No. 61/473,053, filed Apr. 7, 2011, the entire contents of each of which is hereby incorporated by reference. BACKGROUND Financial institutions provide various ways for customers to access account information and perform transactions, such as transaction machines, websites, and brick and mortar locations (e.g., retail bank branches). Transaction machines, such as automated teller machines (ATMs), may be accessed at various geographic locations, such as bank locations, convenience stores or other stores to facilitate the account holder's interaction with banking systems. Transaction machines accept transaction cards such as debit, credit, or stored value cards that are often used by account holders to purchase items or services or to obtain funds. SUMMARY One embodiment relates to a method including receiving identification information for a first account holder at a financial institution, authenticating the first account holder via an automated teller machine (ATM) based on the identification information, identifying an event, associated with the first account holder including determining date information for the event, configuring a message relating to the event to be displayed to the first account holder based on the event, storing trigger configuration information comprising a time window including the date information for the event, and displaying the message to the first account holder via the ATM, the message being displayed when the first account holder accesses the ATM at a time occurring within the time window. Another embodiment relates to a method including receiving identification information for a first account holder at a financial institution, authenticating the first account holder via an automated teller machine (ATM) based on the identification information, identifying an event associated with the first account holder, including determining date information for the event, storing trigger configuration information comprising a time window including the date information for the event, and delivering a gift to the first account holder via the ATM, the gift being provided to the first account holder when the first account holder accesses the ATM at a time occurring within the time window. Another embodiment relates to a non-transitory computer-readable storage medium having instructions encoded thereon that, when executed by one or more processors, cause the one or more processors to perform a method. The method including receiving identification information for a first account holder at a financial institution, authenticating the first account holder via an automated teller machine (ATM) based on the identification information, identifying an event associated with the first account holder, including determining date information for the event, storing trigger configuration information comprising a time window including the date information for the event, and at least one of: configuring a message relating to the event to be displayed to the first account holder based on the upcoming event, and displaying the message to the first account holder via the ATM, the message being displayed when the first account holder accesses the ATM within the time window, or delivering a gift to the first account holder via the ATM, the gift being provided to the first account holder when the first account holder accesses the ATM within the time window. BRIEF DESCRIPTION OF THE DRAWINGS The details of one or more implementations of the subject matter described in this specification are set forth in the accompanying drawings and the description below. Other features, aspects, and advantages of the subject matter will become apparent from the description, the drawings, and the claims. FIG. 1 is a schematic diagram of a system that includes an ATM confi