Patent ID: 7421410
Filing Date: 2008-09-02
Classification: G06Q,G07F

Abstract:
1. A method of promoting banking services comprising: receiving at an automatic teller machine (ATM) a transaction request from an ATM user for a transaction for which a convenience fee is charged if the user is a non-customer, wherein the ATM comprises a display screen; determining that the ATM user comprises a non-customer; displaying information related to an incentive program for non-customers on the display screen, wherein the information prompts the ATM user for a response; receiving the response from the ATM user; enrolling the ATM user in the incentive program; accumulating award points in an incentive program account for the enrolled non-customer ATM user in connection with each succeeding transaction request from the enrolled non-customer ATM user; and discounting at least a portion of the convenience fee for the enrolled non-customer ATM user when a pre-determined award points balance is accumulated in the incentive program account.