Method and system for providing an incentive to use an automated teller machine (ATM)
AssigneeCiticorp Development Center, Inc.
InventorsHoward A. Schechtman, Peter Paradiso
Life of this patent
Estimating the term…
Abstract
The present invention provides methods and systems for promoting banking services to non-customers at an automated teller machine (ATM) through an incentive system. Non-customers who enroll in the incentive system are awarded points based on ATM use, viewing of advertisements at an ATM, and other factors. When a pre-determined number of points is accumulated by the non-customer, the non-customer is provided with an award (e.g., a convenience fee for use of the ATM is forgiven). In addition, use of networked ATMs by the non-customer is tracked in order to provide tailored awards and advertisements.
Claims68
A method of promoting banking services comprising:
- receiving at an automatic teller machine (ATM) a transaction request from an ATM user for a transaction for which a convenience fee is charged if the user is a non-customer, wherein the ATM comprises a display screen;
- determining that the ATM user comprises a non-customer;
- displaying information related to an incentive program for non-customers on the display screen, wherein the information prompts the ATM user for a response;
- receiving the response from the ATM user;
- enrolling the ATM user in the incentive program;
- accumulating award points in an incentive program account for the enrolled non-customer ATM user in connection with each succeeding transaction request from the enrolled non-customer ATM user;
- and
- discounting at least a portion of the convenience fee for the enrolled non-customer ATM user when a pre-determined award points balance is accumulated in the incentive program account.
A system for promoting banking services comprising:
- means for receiving at an automatic teller machine (ATM) a transaction request from an ATM user for a transaction for which a convenience fee is charged if the user is a non-customer, wherein the ATM comprises a display screen;
- means for determining that the ATM user comprises a non-customer;
- means for displaying information related to an incentive program for non-customers on the display screen, wherein the information prompts the ATM user for a response;
- means for receiving the response from the ATM user;
- means for enrolling the ATM user in the incentive program;
- means for accumulating award points in an incentive program account for the enrolled non-customer ATM user in connection with each succeeding transaction request from the enrolled non-customer ATM user;
- and
- means for discounting at least a portion of the convenience fee for the enrolled non-customer ATM user when a pre-determined award points balance is accumulated in the incentive program account.
Dependencies are inferred from the claim text.