# US 10,482,529 B1 · ATM customer messaging systems and methods > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 10,482,529 B1 - Document ID: US10482529B1 - Status: Granted - Kind: B1 - Application number: 15/870,690 - Filed: 2018-01-12 - Granted: 2019-11-19 - Earliest claimed: 2011-04-07 - Assignees: Wells Fargo Bank, N.A. - Applicants: Wells Fargo Bank, N.A. - Inventors: Jonathan Velline; Darren Goetz; Xuan Nguyen; Nahal Agahi - Web page: https://patentgrep.com/patent/US10482529B1 ## CPC - G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) - G06Q 10/40: Business processes related to social networking or social networking services - G06Q 10/42: Determination of affinities or common interests between users - G06Q 20/1085: {involving automatic teller machines [ATMs]} - G06Q 20/4014: {Identity check for transactions} - G06Q 30/0226: Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems - G07F 19/206: {Software aspects at ATMs} - H04L 63/102: {Entity profiles} - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR - G07F: COIN-FREED OR LIKE APPARATUS (coin sorting G07D3/00; coin testing G07D5/00; {handling coins or paper currencies apart from payment activated apparatus G07D; payment architectures, schemes or protocols G06Q20/00}) - H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M) ## 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 ### Claim 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 a financial goal of the second account holder; receiving 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 displaying the message to the second account holder from the first account holder, the message being displayed based on the financial goal. ### Claim 2 (depends on 1) The method of claim 1, further comprising determining when the financial goal is achieved, and wherein the message is displayed to coincide with when the financial goal is achieved. ### Claim 3 (depends on 2) The method of claim 2, wherein achievement of the financial goal is determined based on an account balance of the second account holder. ### Claim 4 (depends on 3) The method of claim 3, wherein the financial goal is a savings goal of the second account holder. ### Claim 5 (depends on 1) The method of claim 1, further comprising prompting the first account holder to provide the inputs upon identifying the financial goal. ### Claim 6 (depends on 1) 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. ### Claim 7 (depends on 1) 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. ### Claim 8 (depends on 1) The method of claim 1, wherein the displaying step is performed by an automated teller machine. ### Claim 9 (depends on 1) The method of claim 1, wherein the displaying step is performed by a mobile device of the second account holder. ### Claim 10 (depends on 1) The method of claim 1, wherein the financial goal is identified based on an online banking account of the second account holder. ### Claim 11 (depends on 1) The method of claim 1, wherein: the step of receiving the identification information of the first account holder is performed by a card reader of an automated teller machine; and the step of authenticating the first account holder based on the identification information is performed by authentication logic of the automated teller machine. ### Claim 12 (depends on 1) The method of claim 1, wherein the step of receiving the inputs to configure the message to be displayed to the second user is performed by event messaging logic of a bank computer system. ### Claim 13 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; receiving inputs to configure a message to be displayed to the second account holder based on a personal event associated with the second account holder, the inputs being received from the first account holder; detecting the personal event based on transaction activity of the second account holder; and displaying the message to the second account holder from the first account holder, the message being displayed based on the transaction activity to coincide with the occurrence of the personal event of the second account holder. ### Claim 14 (depends on 13) The method of claim 13, wherein the transaction activity includes a location of one or more transactions of the second account holder, and wherein the personal event is detected based on the location of the one or more transactions. ### Claim 15 (depends on 14) The method of claim 14, wherein the message is displayed based on the location of the one or more transactions. ### Claim 16 (depends on 14) The method of claim 14, wherein the personal event is travel by the second account holder, wherein the travel is detected based on the location of the one or more transactions, and wherein the message is displayed to coincide with the travel. ### Claim 17 (depends on 16) The method of claim 16, wherein travel is detected based on one or more transactions in a different state than the state in which the second account holder lives. ### Claim 18 (depends on 13) The method of claim 13, further comprising prompting the first account holder to provide the inputs upon detecting the personal event. ### Claim 19 (depends on 13) The method of claim 13, wherein identifying the second account holder comprises accessing a social media website using login credentials of the first account holder. ### Claim 20 (depends on 13) The method of claim 13, wherein the displaying step is performed by an automated teller machine. ### Claim 21 (depends on 13) The method of claim 13, wherein the displaying step is performed by a mobile device of the second account holder. ### Claim 22 (depends on 13) The method of claim 13, wherein: the step of receiving the identification information of the first account holder is performed by a card reader of an automated teller machine; and the step of authenticating the first account holder based on the identification information is performed by authentication logic of the automated teller machine. ### Claim 23 (depends on 13) The method of claim 13, wherein the step of receiving the inputs to configure the message to be displayed to the second user is performed by event messaging logic of a bank computer system.