System and method for dynamic promotional offers at an automated teller machine
US11928703B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Feb 4, 2019 |
| Grant date | Mar 12, 2024 |
| Priority date | — |
| Expiry date | May 30, 2039 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q30/0237
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Described are a system and method for dynamic promotional offers during user interaction at an automated teller machine (ATM). The method includes receiving, at the ATM, a transaction request based on an account identifier associated with an account of a user. The method also includes determining, based on the account identifier, that the account of the user was issued by an issuer that is different than an acquirer associated with the ATM. The method further includes, in response to determining that the account was issued by the issuer, generating, with at least one processor, an authorization request message based on the transaction request and the account identifier. The method further includes receiving an authorization response message comprising embedded user profile data and generating, on a display of the ATM, at least one offer based on the embedded user profile data.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.