# US 12,118,579 B2 · Systems and methods for rewards redemption ATM banners

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- Number: US 12,118,579 B2
- Document ID: US12118579B2
- Status: Granted
- Kind: B2
- Application number: 18/235,302
- Filed: 2023-08-17
- Published: 2023-12-07
- Granted: 2024-10-15
- Earliest claimed: 2018-10-01
- Assignees: Wells Fargo Bank, N.A.
- Applicants: Wells Fargo Bank, N.A.
- Inventors: Rebecca H. McCloskey; Alicia Y. Moore; Denny E. Puckett; Jerome Rhodes
- Web page: https://patentgrep.com/patent/US12118579B2

## CPC

- G06Q 30/0215: {Including financial accounts}
- G06Q 20/1085: {involving automatic teller machines [ATMs]}
- G06Q 20/4014: {Identity check for transactions}
- G06Q 30/0235: constrained by time limit or expiration date
- G07F 19/206: {Software aspects at ATMs}
- G07F 19/211: {Software architecture within ATMs or in relation to the ATM network}
- 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})

## Abstract

An automated teller machine (“ATM”) includes a network interface, a display device, and an input/output device. The ATM further includes a processing circuit including a processor and a memory, the memory structured to store instructions that are executable by the processor. The instructions cause the processing circuit to receive authentication information from the customer and authenticate the customer using the authentication information, retrieve a real-time rewards balance of a rewards account associated with the customer, generate a banner for the customer based on the real-time rewards balance, and display the banner to the customer. The banner is selectable and activates a rewards functionality of the ATM to cause the ATM to display a screen including at least one of the real-time rewards balance or an option for the customer to redeem the rewards balance held by the customer when the banner is selected.

## Claims

### Claim 1

An automated teller machine (ATM) comprising:
a network interface configured to communicate data via a network; and
a processing circuit comprising a processor and a memory, the memory structured to store instructions that are executable by the processor and cause the processing circuit to:
determine that a mobile device of a customer is proximate the ATM;
upon determining that the mobile device of the customer is proximate the ATM:
retrieve, by the network interface, a real-time rewards balance of a rewards account associated with the customer;
determine that at least a portion of the real-time rewards balance is expiring within a certain amount of time;
generate a push notification to be displayed on the mobile device of the customer, the push notification including a first indication that the at least a portion of the real-time rewards balance is expiring within the certain amount of time, a second indication that the customer is near the ATM where the customer can redeem the at least a portion of the real-time rewards balance that is expiring, and a button configured to be pressed by the customer on the mobile device to view a location of the ATM; and
transmit the push notification to the mobile device of the customer.

### Claim 2 (depends on 1)

The ATM of claim 1, wherein the push notification further includes the customer's present location and the customer's real-time rewards balance.

### Claim 3 (depends on 1)

The ATM of claim 1, wherein the instructions further cause the processing circuit to determine one or more suggested rewards items based on redemption histories of other customers similar to the customer, and wherein the push notification further includes the one or more suggested rewards items.

### Claim 4 (depends on 1)

The ATM of claim 1, wherein the ATM comprises an input/output device configured to exchange data with the customer.

### Claim 5 (depends on 4)

The ATM of claim 4, wherein the input/output device comprises at least one of a near-field communication device or a radio frequency identification device and the instructions further cause the processing circuit to:
receive authentication information from the mobile device of the customer via the at least one of the near-field communication device or the radio frequency identification device.

### Claim 6 (depends on 5)

The ATM of claim 5, wherein the authentication information includes a biometric provided by the customer to the mobile device and communicated to the ATM via the at least one of the near-field communication device or the radio frequency identification device.

### Claim 7 (depends on 5)

The ATM of claim 5, wherein the instructions further cause the processing circuit to:
authenticate the customer at the ATM using the authentication information;
receive a selection to redeem the at least a portion of the real-time rewards balance that is expiring soon for a cash amount; and
dispense the cash amount to the customer.

### Claim 8

A method of generating a notification for a customer, comprising:
determining, by an automated teller machine (ATM), that a mobile device of the customer is proximate the ATM;
upon determining that the mobile device of the customer is proximate the ATM:
retrieving, by the ATM, a real-time rewards balance of a rewards account associated with the customer;
determining, by the ATM, that at least a portion of the real-time rewards balance is expiring within a certain amount of time;
generating, by the ATM, a push notification to be displayed on the mobile device of the customer, the push notification including a first indication that the at least a portion of the real-time rewards balance is expiring within the certain amount of time, a second indication that the customer is near the ATM where the customer can redeem the at least a portion of the real-time rewards balance that is expiring, and a button configured to be pressed by the customer on the mobile device to view a location of the ATM; and
transmitting, by the ATM, the push notification to the mobile device of the customer.

### Claim 9 (depends on 8)

The method of claim 8, wherein the push notification further includes the customer's present location.

### Claim 10 (depends on 8)

The method of claim 8, further comprising determining one or more suggested rewards items based on redemption histories of other customers similar to the customer, and wherein the push notification further includes the one or more suggested rewards items.

### Claim 11 (depends on 8)

The method of claim 8, wherein the push notification further includes the customer's real-time rewards balance.

### Claim 12 (depends on 8)

The method of claim 8, further comprising receiving authentication information from the mobile device of the customer via at least one of a near-field communication device of the ATM or a radio frequency identification device of the ATM.

### Claim 13 (depends on 12)

The method of claim 12, wherein the authentication information includes a biometric provided by the customer to the mobile device and communicated to the ATM via the at least one of the near-field communication device or the radio frequency identification device.

### Claim 14 (depends on 13)

The method of claim 13, further comprising:
authenticating, by the ATM, the customer at the ATM using the authentication information;
receiving, by the ATM, a selection to redeem the at least a portion of the real-time rewards balance that is expiring soon for a cash amount; and
dispensing, by the ATM, the cash amount to the customer.

### Claim 15

One or more non-transitory computer-readable storage media having instructions stored thereon that, when executed by at least one processing circuit, cause the at least one processing circuit to:
determine that a mobile device of a customer is proximate an ATM;
upon determining that the mobile device of the customer is proximate the ATM:
retrieve a real-time rewards balance of a rewards account associated with the customer;
determine that at least a portion of the real-time rewards balance is expiring within a certain amount of time;
generate a push notification to be displayed on the mobile device of the customer, the push notification including a first indication that the at least a portion of the real-time rewards balance is expiring within the certain amount of time, a second indication that the customer is near the ATM where the customer can redeem the at least a portion of the real-time rewards balance that is expiring, and a button configured to be pressed by the customer on the mobile device to view a location of the ATM; and
transmit the push notification to the mobile device of the customer.

### Claim 16 (depends on 15)

The one or more non-transitory computer-readable storage media of claim 15, wherein the push notification further includes at least one of the customer's present location or the customer's real-time rewards balance.

### Claim 17 (depends on 15)

The one or more non-transitory computer-readable storage media of claim 15, wherein the instructions further cause the at least one processing circuit to determine one or more suggested rewards items based on redemption histories of other customers similar to the customer, and wherein the push notification further includes the one or more suggested rewards items.

### Claim 18 (depends on 15)

The one or more non-transitory computer-readable storage media of claim 15, wherein the instructions further cause the at least one processing circuit to receive authentication information from the mobile device of the customer via at least one of a near-field communication device of the ATM or a radio frequency identification device of the ATM.

### Claim 19 (depends on 18)

The one or more non-transitory computer-readable storage media of claim 18, wherein the authentication information includes a biometric provided by the customer to the mobile device and communicated to the ATM via the at least one of the near-field communication device or the radio frequency identification device.

### Claim 20 (depends on 19)

The one or more non-transitory computer-readable storage media of claim 19, wherein the instructions further cause the at least one processing circuit to:
authenticate the customer at the ATM using the authentication information;
receive a selection to redeem the at least a portion of the real-time rewards balance that is expiring soon for a cash amount; and
dispense the cash amount to the customer.