Methods and system for providing atm non-customer lead information

Abstract

Systems and methods for obtaining non-customer lead information include authenticating a user at an ATM for a transaction via biometric information, determining that the user is a non-customer of a financial institution operating the ATM, determining that the user was a customer of the financial institution prior to becoming a non-customer, presenting an offer to the non-customer on the ATM based in part on the non-customer lead information collected from an at least one previous transaction with the user, where, responsive to the determination that the user was a customer of the financial institution operating the ATM prior to becoming a non-customer, the offer further comprises a message to the user indicative of the user being a former customer, receiving a response from the non-customer relating to the offer presented, transferring the response to the financial institution computing system.

What is claimed is: 
     
         1 . A method, comprising:
 determining, by a computing system, that a user of an automated teller machine (ATM) is a non-customer of an institution operating the ATM; and   in response to determining that the user is the non-customer of the institution operating the ATM:
 restricting, by the computing system, features available to the user at the ATM, and 
 displaying, by the computing system, an offer to the user on the ATM, the offer based in part on non-customer lead information collected from at least one previous transaction with the user. 
   
     
     
         2 . The method of  claim 1 , wherein the non-customer lead information comprises an email address entered by the non-customer in response to the offer, wherein the offer comprises an option to receive a transaction receipt from the ATM by email. 
     
     
         3 . The method of  claim 1 , further comprising displaying a first number of transaction options in response to determining that the user is the non-customer, wherein the first number is less than a second number of options displayed to another user who is a customer of the institution. 
     
     
         4 . The method of  claim 1 , wherein the non-customer lead information comprises a phone number entered by the non-customer in response to the offer. 
     
     
         5 . The method of  claim 1 , wherein the offer is presented to the non-customer on the ATM based on data stored in the financial institution computing system including visit history. 
     
     
         6 . The method of  claim 1 , wherein restricting the features comprises preventing at least one offer from being displayed. 
     
     
         7 . The method of  claim 1 , wherein determining that the user is a non-customer comprises determining that the user is a non-customer based on information read from a card inserted into the ATM. 
     
     
         8 . A system, comprising:
 at least one processor operatively coupled to a memory to form a processing circuit, the processor configured to:   determine that a user of an automated teller machine (ATM) is a non-customer of an institution operating the ATM; and   in response to determining that the user is the non-customer of the institution operating the ATM:
 restrict features available to the user at the ATM, and 
 display an offer to the user on the ATM, the offer based in part on non-customer lead information collected from at least one previous transaction with the user. 
   
     
     
         9 . The system of  claim 8 , wherein the non-customer lead information comprises an email address entered by the non-customer in response to the offer, wherein the offer comprises an option to receive a transaction receipt from the ATM by email. 
     
     
         10 . The system of  claim 8 , the processor further configured to display a first number of transaction options in response to determining that the user is the non-customer, wherein the first number is less than a second number of options displayed to another user who is a customer of the institution. 
     
     
         11 . The system of  claim 8 , wherein the non-customer lead information comprises a phone number entered by the non-customer in response to the offer. 
     
     
         12 . The system of  claim 8 , wherein the offer is presented to the non-customer on the ATM based on data stored in the financial institution computing system including visit history. 
     
     
         13 . The system of  claim 8 , wherein restricting the features comprises preventing at least one offer from being displayed. 
     
     
         14 . The system of  claim 8 , wherein determining that the user is a non-customer comprises determining that the user is a non-customer based on information read from a card inserted into the ATM. 
     
     
         15 . At least one non-transitory computer-readable medium comprising computer-readable instructions such that, when executed by at least one processor, causes the at least one processor to:
 determine that a user of an automated teller machine (ATM) is a non-customer of an institution operating the ATM; and   in response to determining that the user is the non-customer of the institution operating the ATM:   restrict features available to the user at the ATM, and display an offer to the user on the ATM, the offer based in part on non-customer lead information collected from at least one previous transaction with the user.   
     
     
         16 . The non-transitory computer-readable medium of  claim 15 , wherein the non-customer lead information comprises an email address entered by the non-customer in response to the offer, wherein the offer comprises an option to receive a transaction receipt from the ATM by email. 
     
     
         17 . The non-transitory computer-readable medium of  claim 15 , the at least one processor further caused to display a first number of transaction options in response to determining that the user is the non-customer, wherein the first number is less than a second number of options displayed to another user who is a customer of the institution. 
     
     
         18 . The non-transitory computer-readable medium of  claim 15 , wherein the non-customer lead information comprises a phone number entered by the non-customer in response to the offer. 
     
     
         19 . The non-transitory computer-readable medium of  claim 15 , wherein the offer is presented to the non-customer on the ATM based on data stored in the financial institution computing system including visit history. 
     
     
         20 . The non-transitory computer-readable medium of  claim 15 , wherein restricting the features comprises preventing at least one offer from being displayed.