Multiple Financial Institution Automated Teller Machine System and Method

Abstract

An apparatus, system and method for providing to a network of ATMs ( 10 ) the ability to transact business in connection with several financial institutions ( 30, 40 ) using each financial institution's display interfaces ( 34, 44 ), and optionally provides for advertising and promotional materials ( 32, 42 ) associated with each financial institution targeted to a specific user. The ATM platform is capable of delivering the same look, feel and functionality of each participating financial institutions through a single ATM, which allows for a financial institution to increase brand recognition, maintain customer loyalty and prevent market share loss.

1 .- 22 . (canceled) 
     
     
         23 . A system for operating an automated teller machine, the system comprising:
 means for identifying a financial institution associated with a user device;   a database storing at least a first financial institution's protocol comprising first display interface components for promotional materials related to the first financial institution and a second financial institution's protocol comprising second display interface components for promotional materials related to the second financial institution; and   a controller, located on the automated teller machine, operably coupled to the financial institution identifying means and in communication with the database, the controller being programmed to (1) upon determining that the user device is associated with the first financial institution, retrieve the first display interface components from the database, build a first display screen associated with the first financial institution and execute the first financial institution's protocol or (2) upon determining that the user device is associated with the second financial institution, retrieve the second display interface components from the database, build a second display screen associated with the second financial institution, and execute the second financial institution's protocol.   
     
     
         24 . (canceled) 
     
     
         25 . The system of  claim 23  wherein the first and second protocols govern the presentation of particular promotional component screens are presented to a user of the automated teller machine. 
     
     
         26 . The system of  claim 23  wherein upon determining that the user device is not associated with a financial institution whose protocol is not stored in the database, the controller is further programmed to retrieve and execute from the database a default protocol for facilitating a banking transaction. 
     
     
         27 . The system of  claim 26  wherein the default protocol is one of the first financial institution's protocol or the second financial institution's protocol. 
     
     
         28 . The system of  claim 26  wherein the default protocol is a generic protocol not associated with a specific financial institution. 
     
     
         29 . The system of  claim 26  wherein the generic protocol comprises a generic set of display interfaces for facilitating the execution of a banking transaction. 
     
     
         30 . The system of  claim 26  further comprising a server, located remotely from it in electronic connection with the controller; from which updates to one or more of the first financial institution's protocol, the second financial institution's protocol, or the default protocol are retrieved. 
     
     
         31 . The system of  claim 23  wherein the user device is associated with an account. 
     
     
         32 . The system of  claim 23  further comprising a display device on which the first display screen is rendered for presentation to a user of the automated teller machine. 
     
     
         33 . The system of  claim 23  wherein the display interface components comprise one or more of a logo of the respective financial institution, a video announcing services available at the automated teller machine, and a ticker feed of text-based advertisements.