Method and apparatus for atm-based cross-selling of products and services

Abstract

A method of and apparatus for automatically displaying an advertisement or promotional material to a user of an automated teller machine or point of purchase terminal. The method includes accessing debit data and credit bureau data for the applicant, accessing account information for the applicant, generating a score for the applicant based on the data and the account information and determining what advertisements or promotional offers to display on the ATM or POP terminal. The apparatus is a system, including both hardware and software components for effecting the method.

1 . A method of displaying an advertisement or promotional offer at an automated teller machine for a user of the automated teller machine, the method comprising the acts of: 
 obtaining identification information provided by the user;    accessing personal or historical information relating to the user;    selecting the advertisement or promotional offer based on the information of the user; and    displaying the advertisement or promotional offer on the automated teller machine.    
     
     
         2 . A method as set forth in  claim 1 , wherein the act of obtaining the identification information includes the act of reading a personal access number entered by the user.  
     
     
         3 . A method as set forth in  claim 1 , wherein the act of obtaining the identification information includes the act of reading account information on a card entered by the user.  
     
     
         4 . A method as set forth in  claim 1 , wherein the act of obtaining the identification information includes the act of scanning a body part of the user.  
     
     
         5 . A method as set forth in  claim 1 , wherein the personal or historical information is stored in a database.  
     
     
         6 . A method as set forth in  claim 1 , wherein the personal or historical information includes behavioral data, demographic data or promotional history data.  
     
     
         7 . A method as set forth in  claim 1 , wherein the information is segmentation data where the user is placed in a group of users with similar personal or historical information.  
     
     
         8 . A method as set forth in  claim 1 , wherein the act of displaying the advertisement or promotional offer is performed during or after a transaction on the automated teller machine.  
     
     
         9 . A method as set forth in  claim 1 , wherein the act of displaying the advertisement or promotional offer includes the act of displaying multiple advertisements or promotional offers at the same time.  
     
     
         10 . A method as set forth in  claim 8 , wherein the act of displaying the multiple advertisements or promotional offers includes the act of displaying multiple advertisements or promotional offers sequentially.  
     
     
         11 . A method as set forth in  claim 1 , wherein the act of displaying the advertisement or promotional offer requires a response from the user.  
     
     
         12 . A method as set forth in  claim 1 , and further comprising a module for storing responses to the advertisement or promotional offer.  
     
     
         13 . A method as set forth in  claim 12 , wherein the stored responses are available to a financial entity.  
     
     
         14 . A method as set forth in  claim 1 , wherein the information is a score used to compare the user against a standard.  
     
     
         15 . A method as set forth in  claim 14 , wherein the score is dynamically calculated using an algorithm.  
     
     
         16 . A method as set forth in  claim 14 , wherein the score is predetermined and retrieved from a database.  
     
     
         17 . A method as set forth in  claim 1 , wherein the information is a rule used to compare the user against a standard.  
     
     
         18 . A method of displaying an advertisement or promotional offer at a point-of-purchase machine, the method comprising the acts of: 
 obtaining identification information provided by a user;    accessing a database containing user information; and    displaying the advertisement or promotional offer on the point-of-purchase machine based on the user information.    
     
     
         19 . A method as set forth in  claim 18 , wherein the act of obtaining identification information includes the act of reading a personal access number entered by the user.  
     
     
         20 . The method as set forth in  claim 18 , wherein the act of obtaining identification information includes the act of reading account information on a card entered by the user.  
     
     
         21 . A method as set forth in  claim 18 , wherein the information is stored in a database.  
     
     
         22 . A method as set forth in  claim 18 , wherein the information is segmentation data where the user is placed in a group of users with similar personal or historical information.  
     
     
         23 . A method as set forth in  claim 18 , wherein the act of displaying the personalized advertisement or promotional offer is performed during or after a transaction on the point-of-purchase machine.  
     
     
         24 . A method as set forth in  claim 18 , wherein the act of displaying the personalized advertisement or promotional offer includes the act of displaying multiple advertisements or promotional offers at the same time.  
     
     
         25 . A method as set forth in  claim 24 , wherein the act of displaying the multiple advertisements or promotional offers includes the act of displaying multiple advertisements or promotional offers sequentially.  
     
     
         26 . A method as set forth in  claim 18 , wherein the act of displaying the advertisement or promotional offer requires a response from the user.  
     
     
         27 . A method as set forth in  claim 18 , and further comprising a module for storing responses to the advertisement or promotional offer.  
     
     
         28 . A method as set forth in  claim 27 , wherein the stored responses are available to a financial entity.  
     
     
         29 . A method as set forth in  claim 18 , wherein the information is a score used to compare the user against a standard.  
     
     
         30 . A method as set forth in  claim 29 , wherein the score is dynamically calculated using an algorithm.  
     
     
         31 . A method as set forth in  claim 29 , wherein the score is predetermined and retrieved from a database.  
     
     
         32 . A method as set forth in  claim 18 , wherein the information is a rule used to compare the user against a standard.  
     
     
         33 . A system for displaying an advertisement or promotional offer, the system comprising: 
 a user terminal;    a database for storing personal and historical information of users;    a marketing module for retrieving user information from the database based on the personal or historical information of the user, and for determining which advertisement or promotional offer to present based on the user information; and    a presentation module for formatting the advertisement or promotional offer, the presentation module causing the user terminal to display the advertisement or promotional offer.    
     
     
         34 . A system as set forth in  claim 33 , wherein the user terminal is an automated teller machine.  
     
     
         35 . A system as set forth in  claim 33 , wherein the user terminal is a point-of-purchase machine.  
     
     
         36 . A system as set forth in  claim 33 , wherein the personal and historical information stored in the user database includes behavioral data, demographic data or promotional history data.  
     
     
         37 . A system as set forth in  claim 33 , wherein the information is segmentation data where the user is placed in a group, of users with similar personal or historical information.  
     
     
         38 . A system as set forth in  claim 33 , wherein the advertisement or promotional offer can be displayed during or after a transaction on the system.  
     
     
         39 . A system as set forth in  claim 33 , wherein the multiple advertisements or promotional offers are displayed at the same time.  
     
     
         40 . A system as set forth in  claim 39 , wherein the multiple advertisements or promotional offers are displayed sequentially.  
     
     
         41 . A system as set forth in  claim 33 , wherein the advertisement or promotional offer requires a response from the user.  
     
     
         42 . A system as set forth in  claim 33 , and further comprising a storage module for storing responses to the advertisement or promotional offer.  
     
     
         43 . A system as set forth in  claim 42 , wherein the stored responses are available to a financial entity.  
     
     
         44 . A system as set forth in  claim 33 , wherein the information is a score used to compare the user against a standard.  
     
     
         45 . A system as set forth in  claim 44 , wherein the score is dynamically calculated using an algorithm.  
     
     
         46 . A system as set forth in  claim 44 , wherein the score is predetermined and retrieved from a database.  
     
     
         47 . A system as set forth in  claim 33 , wherein the information is a rule used to compare the user against a standard.  
     
     
         48 . A financial network, accessible by a user terminal having a display capable of presenting offers and information for products and services, the financial network comprising: 
 a gateway server in communication with the user terminal; and    an application server in communication with the gateway server, the application server including, 
 an identification module capable of identifying the user,  
 a database containing category information and offers and information for products and services presently available,  
 a search engine for identifying the offers and information for products and services that correspond to the user's category information, and  
 a presentation module for displaying at least one of the offers and information for products and services that correspond to the user's category information.  
   
     
     
         49 . A marketing network, accessible by a marketing terminal having a display capable of presenting personalized options to a user on the display, the marketing network comprising: 
 a gateway server in communication with the marketing terminal; and    an application server in communication with the gateway server, the application server including, 
 an identification module capable of identifying the user,  
 a database containing user category information and at least one option,  
 a marketing module for matching the available options with the user's category information, and  
 a presentation module for personalizing the matched options and presenting to the user at least one of the matched options on the display.