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EP0843291A2
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Improved self-service system
Assignee: NCR International Inc
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Filing: 1997-07-14
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Granted: —
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Expires: 2017-07-14
Abstract
Abstract An automated teller machine (10) or a home banking system (32) is operated to provide, during the delays associated with authorizing and acting upon a user instruction, a sales presentation related to a financial product. The type of presentation is selected by matching a profile of the user, obtained from a central information store (20), with profiles of target customers for a number of financial products.
Inventors
- 👤 David Patterson
- 👤 Michael G. Coutts
Bibliographic Details
Application Number
—
Jurisdiction
EP
Data Source
google_patents
Last Synchronized
2026-11-09 16:49
CPC Classifications
G; G06; G06Q; G06Q20/00; G06Q20/08; G06Q20/18; G06Q20/10; G06Q20/108; G06Q20/1085; G06Q20/38; G06Q20/40; G06Q30/00; G06Q30/02; G06Q30/0241; G06Q40/00; G07; G07F; G07F19/00; G07F19/20; G07F7/00; G07G; G07G1/00
Claims Analysis
Total Claims: 10
Claim 1
Independent Claim
109 words
A method of operating a financial self-service
system comprising the steps of:- receiving a request for a financial transaction
initiated from a self-service terminal by a user; authorizing said request; and acting upon said request; characterized by the intermediate steps of
extracting a profile of said user from central user
information storage means; searching for a match between said profile of said
user and a target customer profile stored in product
profile storage means; and if such a match is found, presenting to the user on
said self-service terminal a sales presentation related
to said product during at least one opportunity interval
while authorizing and acting upon said request.
Claim 2
Dependent Claim
58 words
A method according to claim 1, characterized in
that an opportunity interval is the time delay required
to verify a PIN or to authorize a transaction or to
instruct a transaction or to scan a deposited document or
to count cash or to print a receipt or to print a
statement or to perform any other time-consuming
activity.
Claim 3
Dependent Claim
39 words
A method according to claim 1 or claim 2,
characterized by providing the financial service from an
automated teller machine arranged to sense the presence
or absence of a queue of users, and to adjust the sales
presentation accordingly.
Claim 4
Dependent Claim
39 words
A method according to claim 3, characterized in
that the presence or absence of a queue is sensed by
sensing the time interval between insertions of
successive different user cards into an input device of
the automated teller machine.
Claim 5
Dependent Claim
105 words
A financial self-service system comprising a
plurality of self-service terminals (10) each having a
display means (12), an input means (14) and a processor
means; central storage means (20) arranged to store user
information; and a host computer system (18) to which the
terminals and the central storage means are connected,
characterized by sales presentation storage means (16)
arranged to store a plurality of sales presentations;
product profile storage means (24) arranged to store
target user profiles related to sales presentations; and
relationship management means (22) connected to the sales
presentation means (16), the product profile storage
means (24), and the host computer system (18).
Claim 6
Dependent Claim
17 words
A system according to claim 5, characterized in
that the self-service terminals are home banking
terminals (32).
Claim 7
Dependent Claim
17 words
A system according to claim 5, characterized in
that the self-service terminals are automated teller
machines (10).
Claim 8
Dependent Claim
34 words
A system according to claim 7, characterized by
queue sensing means (26) arranged to sense any queue of
potential users in the proximity of the machine (10) and
to adjust the sales presentation accordingly.
Claim 9
Dependent Claim
45 words
A system according to claim 8, characterized in
that the queue sensing means (26) operates by detecting
infra red radiation emitted by or visible radiation or
scanned ultrasound or low power radar radiation reflected
by a human being adjacent to the automated teller machine
(10).
Claim 10
Dependent Claim
26 words
A system according to claim 8 or claim 9,
characterized in that the queue sensing means (26) is
arranged to distinguish between stationary humans and
passers-by.
References Cited (Backward Citations)
No citation records indexed.
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