최소 단어 이상 선택하여야 합니다.
최대 10 단어까지만 선택 가능합니다.
다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
NTIS 바로가기다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
DataON 바로가기다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
Edison 바로가기다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
Kafe 바로가기국가/구분 | United States(US) Patent 등록 |
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국제특허분류(IPC7판) |
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출원번호 | UP-0403317 (2006-04-13) |
등록번호 | US-7784682 (2010-09-20) |
발명자 / 주소 |
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출원인 / 주소 |
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대리인 / 주소 |
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인용정보 | 피인용 횟수 : 7 인용 특허 : 604 |
Systems and methods of attracting and retaining customers of a Banking institution through an incentive program is disclosed, comprising: operating a promotional program, comprising the dispensing of a indicia redeemable for a prize, and wherein the dispensing of the indicia is accomplished through
Systems and methods of attracting and retaining customers of a Banking institution through an incentive program is disclosed, comprising: operating a promotional program, comprising the dispensing of a indicia redeemable for a prize, and wherein the dispensing of the indicia is accomplished through the use of an automated teller machine (ATM); and operating a rewards program, wherein upon a customer completing a triggering behavior, a specified reward is granted to the customer. Systems and methods of operating a promotional program for customers of a Banking institution is also disclosed, wherein the method comprises dispensing a indicia redeemable for a prize, and wherein the dispensing of the indicia is accomplished through the use of an automated checking machine (ATM).
What is claimed is: 1. A method of operating a promotional program for users of at least one automated teller machine (ATM) of a banking institution, wherein the method comprises: receiving a device from the user at the at least one ATM; determining, using a computer processor, whether the user is
What is claimed is: 1. A method of operating a promotional program for users of at least one automated teller machine (ATM) of a banking institution, wherein the method comprises: receiving a device from the user at the at least one ATM; determining, using a computer processor, whether the user is an existing customer or a potential customer of the banking institution, wherein the existing customer is a present account-holder with the banking institution and the potential customer is not a present account-holder with the banking institution: accessing, using a computer processor, an existing customer transaction history if the user is an existing customer, wherein the existing customer interaction history comprises the user's: (1) transaction history with the at least one ATM of the banking institution, (2) transaction history with the banking institution, and (3) transaction history with third parties; accessing, using a computer processor, a potential customer transaction history if the user is a potential customer, wherein the potential customer transaction history comprises the user's history of transactions with the at least one ATM of the banking institution, wherein the potential customer transaction history is identified by at least one identifier associated with the user; and dispensing an indicia redeemable for a prize, wherein the dispensing of the indicia is accomplished through the use of the at least one ATM, wherein the at least one ATM machine dispenses the indicia upon the user completing a triggering behavior, wherein completion of the triggering behavior is determined from the existing customer transaction history or the potential customer transaction history, wherein the indicia is randomly dispensed to users meeting pre-determined criteria, and wherein the indicia is directly redeemable for the prize with no additional steps or requirements placed upon the user to redeem the prize indicated by the indicia beyond presenting the indicia in the manner indicated on the indicia. 2. The method of operating a promotional program of claim 1, wherein the indicia is a ticket dispensed from the ATM with drawn funds. 3. The method of operating a promotional program of claim 1, wherein the indicia is a ticket dispensed from the ATM with a receipt of the transaction. 4. The method of operating a promotional program of claim 1, wherein the indicia is displayed on a screen of the ATM. 5. The method of operating a promotional program of claim 1, wherein the indicia is irregularly dispensed. 6. The method of operating a promotional program of claim 1, wherein the indicia is printed on a receipt of the transaction. 7. The method of operating a promotional program of claim 6, wherein the indicia is a redeemable code. 8. The method of operating a promotional program of claim 7, wherein the redeemable code is redeemable via an internet web page. 9. The method of operating a promotional program of claim 7, wherein the redeemable code is redeemable in any branch location of the banking institution. 10. A method of attracting and retaining users of at least one automated teller machine (ATM) of a banking institution through an incentive program, wherein the method comprises: receiving a device from the user at the at least one ATM; determining, using a computer processor, whether the user is an existing customer or a potential customer of the banking institution, wherein the existing customer is a present account-holder with the banking institution and the potential customer is not a present account-holder with the banking institution; accessing, using a computer processor, an existing customer transaction history if the user is an existing customer, wherein the existing customer interaction history comprises the user's: (1) transaction history with the at least one ATM of the banking institution, (2) transaction history with the banking institution, and (3) transaction history with third parties; accessing, using a computer processor, a potential customer transaction history if the user is a potential customer, wherein the potential customer transaction history comprises the user's history of transactions with the at least one ATM of the banking institution, wherein the potential customer transaction history is identified by at least one identifier associated with the user; and operating a promotional program, comprising the dispensing of an indicia redeemable for a prize, and wherein the dispensing of the printed indicia is accomplished through the use of the at least one ATM, and wherein the at least one ATM machine dispenses the indicia after or upon the user completing a triggering behavior, wherein completion of the triggering behavior is determined from the existing customer transaction history or the potential customer transaction history, and wherein the indicia is randomly dispensed to users meeting pre-determined criteria; and operating a rewards program, wherein the indicia is directly redeemable for a specified reward. 11. The method of attracting and retaining customers of a banking institution through an incentive program of claim 10, wherein the specified reward is in the form of redeemable points. 12. The method of attracting and retaining customers of a banking institution through an incentive program of claims 10, wherein the specified reward is in the form of airline frequent flyer miles. 13. The method of attracting and retaining customers of a banking institution through an incentive program of claim 10, wherein the specified reward is a tangible prize. 14. The method of attracting and retaining customers of a banking institution through an incentive program of claim 10, wherein the specified reward comprises discounted Bank services or products. 15. The method of attracting and retaining customers of a banking institution through an incentive program of claim 10, wherein the customers monitor and manage their rewards program via a personalized web page. 16. The method of attracting and retaining customers of a banking institution through an incentive program of claim 10, wherein the dispensing of the indicia in the promotional program is done irregularly. 17. The method of attracting and retaining customers of a banking institution through an incentive program of claim 10, wherein the dispensed indicia comprises the customer's value of the customer's specified reward and a balance of the customer's total accrued rewards. 18. A method of attracting and retaining users of a banking institution through an incentive program, wherein the method comprises: receiving a device from the user at the at least one automated teller machine (ATM); determining, using a computer processor, whether the user is an existing customer or a potential customer of the banking institution, wherein the existing customer is a present account-holder with the banking institution and the potential customer is not a present account-holder with the banking institution; accessing, using a computer processor, an existing customer transaction history if the user is an existing customer, wherein the existing customer interaction history comprises the user's: (1) transaction history with the at least one ATM of the banking institution, (2) transaction history with the banking institution, and (3) transaction history with third parties; accessing, using a computer processor, a potential customer transaction history if the user is a potential customer, wherein the potential customer transaction history comprises the user's history of transactions with the at least one ATM of the banking institution, wherein the potential customer transaction history is identified by at least one identifier associated with the user; and operating a promotional program, comprising the dispensing of an indicia redeemable for a prize, and wherein a random and sporadic dispensing of the indicia is accomplished through the use of the at least one ATM, and wherein the at least one ATM machine dispenses the indicia after or upon the user completing a triggering behavior, wherein completion of the triggering behavior is determined from the existing customer transaction history or the potential customer transaction history, and wherein the random and sporadic dispensing of the indicia is to users meeting pre-determined criteria; operating a rewards program, wherein the indicia is directly redeemable for a specified reward; and directing the incentive program at both existing customers and potential customers. 19. A system for managing an incentive program for users of a banking institution, the system comprising: a banking institution; at least one existing customer; at least one potential customer; a database, comprising: existing customer information, comprising existing customer profile information, existing customer transactions, and information regarding at least one of the existing customer's accounts at the banking institution; potential customer information, comprising potential customer profile information, potential customer transactions, and information regarding the potential customer's home banking institution; and at least one rewards account for the potential and existing customers, wherein the rewards account comprises information regarding rewards accrued by the potential and existing customers; at least one automated teller machine (ATM) associated with the banking institution for receiving a device from a user; a processor in electronic communication with the at least one ATM for: (1) determining whether the user is an existing customer or a potential customer of the banking institution, wherein the existing customer is a present account-holder with the banking institution and the potential customer is not a present account-holder with the banking institution; (2) accessing an existing customer transaction history if the user is an existing customer, wherein the existing customer interaction history comprises the user's: (a) transaction history with the at least one ATM of the banking institution, (b) transaction history with the banking institution, and (c) transaction history with third parties; (3) accessing a potential customer transaction history if the user is a potential customer, wherein the potential customer transaction history comprises the user's history of transactions with the at least one ATM of the banking institution, wherein the potential customer transaction history is identified by at least one identifier associated with the user; and a personalized web page, wherein the personalized web page is unique to each potential customer or existing customer, and wherein the personalized web page displays information available from the database. 20. A method of operating a promotional program for users of a banking institution, wherein the method comprises: receiving a device from the user at the at least one automated teller machine (ATM); determining, using a computer processor, whether the user is an existing customer or a potential customer of the banking institution, wherein the existing customer is a present account-holder with the banking institution and the potential customer is not a present account-holder with the banking institution; accessing, using a computer processor, an existing customer transaction history if the user is an existing customer, wherein the existing customer interaction history comprises the user's: (1) transaction history with the at least one ATM of the banking institution, (2) transaction history with the banking institution, and (3) transaction history with third parties; accessing, using a computer processor, a potential customer transaction history if the user is a potential customer, wherein the potential customer transaction history comprises the user's history of transactions with the at least one ATM of the banking institution, wherein the potential customer transaction history is identified by at least one identifier associated with the user; and dispensing an indicia redeemable for a prize upon or after the user completing a triggering behavior, wherein the triggering behavior is determined from the existing customer transaction history or the potential customer transaction history, and wherein the dispensing of the indicia is accomplished through the use of the at least one ATM and the indicia is at least one of a ticket dispensed from the ATM with drawn funds printed on a receipt of the transaction and a display upon a screen of the ATM; wherein the indicia is randomly dispensed to customers meeting pre-determined criteria; wherein the indicia is directly redeemable for the prize with no additional steps or requirements placed upon the customer to redeem the prize indicated by the indicia beyond presenting the indicia in the manner indicated on the indicia; wherein the indicia comprises a redeemable code which is redeemable through one or more of an internet web page and any branch location of the banking institution; and operating at least one of a promotional program and a rewards program, comprising the dispensing of the indicia redeemable for the prize; wherein the prize comprises one or more of: redeemable points, airline frequent flyer miles, a tangible prize, and discounted Bank services or products; wherein the customers monitor and manage their rewards program via a personalized web page; wherein the dispensed indicia comprises the customer's value of the customer's specified reward and a balance of the customer's total accrued rewards. 21. A method of operating a promotional program for users of at least one automated teller machine (ATM) of a banking institution, wherein the method comprises: receiving a device from the user at the at least one ATM; determining, using a computer processor, whether the user is an existing customer or a potential customer of the banking institution, wherein the existing customer is a present account-holder with the banking institution and the potential customer is not a present account-holder with the banking institution; accessing, using a computer processor, an existing customer transaction history if the user is an existing customer, wherein the existing customer interaction history comprises the user's: (1) transaction history with the at least one ATM of the banking institution, (2) transaction history with the banking institution, and (3) transaction history with third parties; and dispensing an indicia redeemable for a prize, wherein the dispensing of the indicia is accomplished through the use of the at least one ATM, wherein the at least one ATM machine dispenses the indicia upon the user completing a triggering behavior, wherein completion of the triggering behavior is determined from the existing customer transaction history, wherein the indicia is randomly dispensed to users meeting pre-determined criteria, and wherein the indicia is directly redeemable for the prize with no additional steps or requirements placed upon the user to redeem the prize indicated by the indicia beyond presenting the indicia in the manner indicated on the indicia. 22. A method of operating a promotional program for users of at least one automated teller machine (ATM) of a banking institution, wherein the method comprises: receiving a device from the user at the at least one ATM; determining, using a computer processor, whether the user is an existing customer or a potential customer of the banking institution, wherein the existing customer is a present account-holder with the banking institution and the potential customer is not a present account-holder with the banking institution; accessing, using a computer processor, a potential customer transaction history if the user is a potential customer, wherein the potential customer transaction history comprises the user's history of transactions with the at least one ATM of the banking institution, wherein the potential customer transaction history is identified by at least one identifier associated with the user; and dispensing an indicia redeemable for a prize, wherein the dispensing of the indicia is accomplished through the use of the at least one ATM, wherein the at least one ATM machine dispenses the indicia upon the user completing a triggering behavior, wherein completion of the triggering behavior is determined from the potential customer transaction history, and wherein the indicia is randomly dispensed to users meeting pre-determined criteria, and wherein the indicia is directly redeemable for the prize with no additional steps or requirements placed upon the user to redeem the prize indicated by the indicia beyond presenting the indicia in the manner indicated on the indicia.
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