Personalized Bank Teller Machine

Abstract

A system and method is provided for an ATM having a display, a logic server coupled to the display, and a memory coupled to the logic server. The logic server dynamically controls the functions available to the users including messages and coupons. A host contains a profile of a user. The memory, which is accessible to the logic server, may contain a profile of at least one user. A user card may contain a profile of the user. In operation, the ATM detects the a user's card and requests the profile of the user whose card was detected from a host. The ATM then receives the user's profile and stores the user's profile in the ATM. The system and method also provides a cardless ATM in which a user logs on without a card. Additionally, system and method also provides ATM services via a personal device.

1 . An automated Teller Machine (ATM) comprising:
 a display;   a logic server coupled to the display, the logic server controlling the functions presented to the user on the display;   a memory coupled to the logic server,; and   a host, the host capable of communicating with the logic server;   wherein the logic server dynamically modifies the functions presented to the user in response to the profile.   
     
     
         2 . The ATM as recited in  claim 1 , wherein the memory has at least a portion of the profile of at least one user. 
     
     
         3 . The ATM as recited in  claim 1 , wherein the host has contents comprising a profile of at least one user and wherein the logic server receives at least a portion of the profile from the host. 
     
     
         4 . The ATM as recited in  claim 1 , further comprising:
 a card, wherein the card has contents comprising a profile of at least one user and wherein the logic server receives at least a portion of the profile from the card.   
     
     
         5 . The ATM as recited in  claim 1 , further comprising:
 a machine interface, the machine interface providing an interface to physical devices in the ATM.   
     
     
         6 . The ATM as recited in  claim 5 , further comprising:
 a printer; and   a cash dispenser, wherein the machine interface receives a status of the printer and the cash dispenser.   
     
     
         7 . The ATM as recited in  claim 1 , further comprising:
 a host interface coupled to the logic server, wherein the host interface provides an interface to a host.   
     
     
         8 . The ATM as recited in  claim 1 , wherein the profile contains a home bank of the user. 
     
     
         9 . The ATM as recited in  claim 8 , wherein the logic server modifies the display to show a message that is based on the home bank of the user. 
     
     
         10 . The ATM as recited in  claim 9 , wherein the logic server causes a message to be sent to the users that is based on the home bank of the user, wherein the message is selected from one of the following: Internet message, phone message, email, regular mail. 
     
     
         11 . The ATM as recited in  claim 9 , wherein the message shows services available from a bank providing the ATM. 
     
     
         12 . The ATM as recited in  claim 8 , wherein the logic server causes the machine interface to cause to printer to print a coupon that is based on the home bank of the user. 
     
     
         13 . The ATM as recited in  claim 1 , wherein the logic server causes the machine interface to cause to printer to print a coupon that is based on an associated merchant. 
     
     
         14 . The ATM as recited in  claim 1 , wherein the logic server causes the display to offer a service that is offered by an associated merchant. 
     
     
         15 . The ATM as recited in  claim 1 , wherein the logic server causes the display to offer a product that is offered by an associated merchant. 
     
     
         16 . The ATM as recited in  claim 8 , further wherein if the home bank of the user is different than a bank providing the ATM, then the logic server modifies the display to show a message identifying products available from the providing bank but not available from the home bank. 
     
     
         17 . The ATM as recited in  claim 8 , further wherein if the home bank of the user is different than a bank providing the ATM, then the logic server modifies the display to show a grid message identifying services available from the providing bank but not available from the home bank. 
     
     
         18 . The ATM as recited in  claim 9 , wherein the message informs the user of a method of avoiding a fee associated with the ATM. 
     
     
         19 - 33 . (canceled) 
     
     
         34 . An automated Teller Machine (ATM) comprising:
 a display;   a logic server coupled to the display, the logic server controlling the functions presented to the user on the display;   a memory coupled to the logic server, the memory having contents comprising a profile of at least one user; and   wherein the logic server dynamically modifies the functions presented to the user in response to the profile; and   
       wherein the user logs into the ATM without using a card. 
     
     
         35 - 38 . (canceled)