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 . A method of operating an Automated Teller Machine (ATM) comprising:
 receiving, by at least one computer processor, a communication from a portable electronic device associated with a user;   logging the user into the ATM without using a card;   requesting a user's profile;   receiving the user's profile at the ATM;   storing the user's profile; and   modifying or personalizing functions, by the at least one computer processor, presented to the user via the ATM based upon the user's profile.   
     
     
         2 . The method of  claim 1 , wherein the portable electronic device comprises a personal digital assistant, a cell phone, an email device, or a portable computing device. 
     
     
         3 . The method of  claim 1 , wherein the communication is transmitted over a network comprising a wireless network. 
     
     
         4 . The method of  claim 1 , wherein the communication comprises a request for information relating to one or more accounts associated with the user. 
     
     
         5 . The method of  claim 4 , further comprising:
 transmitting a message to the portable electronic device comprising a response to the request   
     
     
         6 . The method of  claim 1 , wherein the user is logged into the ATM based upon the communication from the portable electronic device; 
     
     
         7 . The method of  claim 1 , wherein the user's profile is received from a host. 
     
     
         8 . The method of  claim 1 , wherein the user's profile is received from the portable electronic device. 
     
     
         9 . The method of  claim 1 , wherein the user's profile is received from a memory operably connected to the ATM. 
     
     
         10 . The method as recited in  claim 1 , further comprising:
 displaying, at the ATM, a message that is based on the home bank of the user.   
     
     
         11 . The method as recited in  claim 1 , further comprising:
 sending a message to the user, wherein the message comprises one or more of the following: Internet message, phone message, email, regular mail.   
     
     
         12 . The message as recited in  claim 11 , wherein the message shows services available from a bank providing the ATM wherein the services in the message are not available from a home bank associated with the user. 
     
     
         13 . The method of  claim 1 , further comprising:
 identifying a home bank of the user.   
     
     
         14 . The method as recited in  claim 13 , further comprising:
 printing a coupon that is based on the home bank of the user.   
     
     
         15 . The method as recited in  claim 13 , further comprising:
 printing a coupon that is based on an associated merchant, wherein an associated merchant is a merchant providing products or services through the ATM.   
     
     
         16 . The method as recited in  claim 13 , further comprising:
 displaying a message identifying products or services available from a bank providing the ATM but not available from the home bank when the home bank of the user is different than the bank providing the ATM.   
     
     
         17 . The ATM as recited in  claim 13 , wherein the message informs the user of a method of avoiding a fee associated with the ATM. 
     
     
         18 . A method of operating a financial transaction device comprising:
 receiving, by the at least one computer processor, a communication from a portable electronic device associated with a user;   logging the user into the financial transaction device without using a card;   requesting a user's profile;   receiving the user's profile at the financial transaction device;   storing the user's profile; and   modifying or personalizing functions, by the at least one computer processor, presented to the user via the financial transaction device based upon the user's profile.   
     
     
         19 . The method of  claim 18 , wherein the portable electronic device comprises a personal digital assistant, a cell phone, an email device, or a portable computing device. 
     
     
         20 . The method of  claim 18 , wherein the communication is transmitted over a network comprising a wireless network. 
     
     
         21 . The method of  claim 18 , wherein the financial transaction device comprises an Automated Teller Machine (ATM), a point of sale at a merchant, a self checkout device at a merchant, ticket issuing device at a subway or an airport, or a gas pump.