Patent Publication Number: US-2010114677-A1

Title: System including automated teller machine with data bearing medium

Description:
BACKGROUND 
     Banks provide automated teller machines (ATMS) so that consumers can conduct banking transactions without having to go into the bank. ATMs are often located to be easily accessible to consumers. 
     Sometimes, banks provide ATM locators on their websites to allow consumers to search for ATMs in a given area. Typically, consumers search for ATMs by city, by address (e.g., zip code), or by using an interactive map. The ATM locators provide addresses and maps showing the location of ATMs. The consumer can go to one of the ATMs identified to get cash or conduct other ATM transactions. 
     Some prior ATMs dispense generic coupons on the back of transaction receipts to consumers. Prior ATMs do not have access to information to customize coupons for their consumers. 
     SUMMARY 
     Embodiments of the invention relate to methods and systems of providing customized offers at ATMs. Such customized offers can be based on the location of a consumer and also past transaction history data associated with the consumer. 
     One embodiment of the invention is directed to an automated teller machine comprising a processor, a computer readable medium coupled to the processor, an output device coupled to the processor, and a reader coupled to the processor. The computer readable medium comprises code for receiving data from a portable ATM device and code for receiving a customized offer after receiving data from the portable ATM device. 
     Another embodiment of the invention is directed to a method of interacting with an automated teller machine and receiving a customized offer from the automated teller machine. In some cases, the customized offer is based on purchasing preferences of a consumer and data related to a location of the consumer. 
     Another embodiment of the invention is directed to a method that determines a location of a consumer, wherein the consumer is located proximate to an automated teller machine. The method further determines a customized offer using purchasing preferences of the consumer and data related to the location of the consumer. The method also sends a message to the automated teller machine that causes the automated teller machine to provide the customized offer to the consumer. 
     In addition, an embodiment of the invention is directed to a system comprising an automated teller machine and a payment processing network communicating with the automated teller machine. The payment processing network comprises server. The server has a computer readable medium comprising code for determining a location of a consumer, wherein the consumer is located proximate to the automated teller machine. The computer readable medium also comprises code for determining a customized offer using purchasing preferences of the consumer and data related to the location of the consumer. The computer readable medium also comprises code for sending a message to the automated teller machine. The message causes the automated teller machine to provide the customized offer to the consumer. 
     These and other embodiments of the invention are described in further detail below. 
    
    
     
       BRIEF DESCRIPTION OF THE DRAWINGS 
         FIG. 1  is a block diagram illustrating a system that provides customized offers at ATMs, in accordance with an embodiment of the invention. 
         FIG. 2  is a block diagram of an exemplary ATM, in accordance with an embodiment of the invention. 
         FIG. 3  is a block diagram of an exemplary mobile phone, in accordance with an embodiment of the invention. 
         FIG. 4  is a flow chart illustrating a method of providing customized offers to a consumer at an ATM, in accordance with an embodiment of the invention. 
         FIG. 5  shows a webpage that provides an example of an ATM locator that could be provided by an ATM locator module, in accordance with an embodiment of the invention. 
         FIG. 6  is a diagram of an exemplary coupon, in accordance with an embodiment of the invention. 
         FIG. 7  shows a block diagram of subsystems that may be present in computer apparatuses that are used in the system, according to embodiments of the invention. 
     
    
    
     DETAILED DESCRIPTION 
     Embodiments of the invention are directed to methods and systems of providing customized offers at ATMs. The customized offers may be determined using the location of the consumer as well as the data relating to prior transactions conducted by the consumer. 
     The location of the consumer can be determined in any suitable manner. For example, in one embodiment, a consumer may use an ATM locator on a website (e.g., an issuer&#39;s website) to search for one or more available ATMs in a particular location. Alternatively, the current location of the consumer can be determined automatically using a global positioning system (GPS) element on the consumer&#39;s mobile phone, in the consumer&#39;s car etc. Other location based methods, including the determination of mobile phone signal strength can be used to determine the consumer&#39;s location. Yet another location based determination method involves the use of the a consumer&#39;s credit and debit cards. For instance, when a consumer purchases an item from a particular merchant, a server computer in a payment processing network can determine the location of that merchant, and hence the location of the consumer. 
     Once the consumer&#39;s location is determined, a server computer may generate a customized offer for the consumer. The customized offer may be based on the consumer&#39;s purchasing preferences (which may be determined using past transaction data) and the current location of the consumer. The customized offer is then sent to one or more ATMs that the consumer is expected to be close to. If the consumer chooses to use one or more of the ATMs, the ATM provides the customized offer to the consumer. For example, an ATM may dispense the customized offer on a paper receipt or may send it to the consumer&#39;s mobile phone. 
     The consumer can redeem the customized offer immediately. The customized offer can be for a merchant that is close to the ATM that dispensed the customized offer. 
     Certain embodiments of the invention may provide one or more technical advantages to issuers, consumers, and merchants. Prior ATMs do not dispense customized offers. A technical advantage to merchants may be that providing customized offers to consumers at ATMs near their places of business may give them a new avenue for local marketing. Offers customized to target consumers with certain consumption preferences located near the merchant&#39;s place of business can be more effective in generating revenue. In addition, merchants may be able to minimize their marketing expenditures by only marketing locally or to consumers with certain purchasing preferences. A technical advantage to issuers may be that issuers can dispense customized offers to their consumers over their ATMs and thus attract marketing revenue from local merchants. A technical advantage to consumers may be that consumers receive customized offers instead of generic offers that they cannot use or are inconvenient to use. Since the customized offers will be based on the location and purchasing preferences of the consumer, the consumer can minimize the travel costs needed to take advantage of offers. Also, the offers made will be more likely to be for products and services that are useful or desirable to the consumer. A further technical advantage can be that customized offers can be provided to ATMs that the consumer is likely to visit. Once it is determined that the consumer is no longer at a particular location, data relating to customized offers can be removed, thus reducing the data storage requirements of the system. 
     Certain embodiments of the invention may include none, some, or all of the above technical advantages. One or more other technical advantages may be readily apparent to one skilled in the art from the figures, descriptions, and claims included herein. 
       FIG. 1  is a block diagram illustrating a system  10  that provides customized offers at ATMs, in accordance with an embodiment of the invention. System  10  includes a coupon  12  with one or more customized offers. System  10  also includes a consumer  20  in operative communication with a client computer  30 , a mobile phone  40 , and an ATM card  50 . System  10  also includes an ATM  70  that dispenses coupon  12  to consumer  20 . Mobile phone  40  is in wireless communication with ATM  70 . ATM card  50  is in communication with ATM  70  so that consumer  20  can conduct transactions at ATM  70 . System  10  also includes an issuer  80  in communication with a payment processing network  90  and in operative communication with ATM  70 . The payment processing network  90  comprises a server computer  92  having an ATM locator module  94  for providing an ATM locator on a web browser on client computer  30 . A consumer preference database  91  may be in communication with the server computer  92  and may store consumer preference data. System  10  also includes a merchant A  96  and a merchant B  98  for providing server computer  92  with information about their offers to consumers  20  locating near ATM  70 . Server computer  92  is in communication with client computer  30  to provide an ATM locator on a web browser displayed on client computer  30 . Server computer  92  is also in communication with issuer  80  to provide a customized offer to issuer  80 . Issuer  80  sends a message to ATM  70  to dispense coupon  12  with the customized offer at a local merchant A  96  to consumer  20  at ATM  70 . Consumer  20  takes coupon  12  to local merchant A  96  to redeem coupon  12 . 
     Although the illustrated embodiment shows one consumer  20 , one client computer  30 , one mobile phone  40 , one ATM card  50 , one coupon  12 , one ATM  70 , one Issuer  80  and two merchants, it is understood that other embodiments can have any number of these entities. 
     An offer refers to an incentive given to consumer  20  to purchase products/services. In many cases, offers require purchasing products/services. Offers are provided by merchants. Some examples of offers include discounts, rebates such as manufacturers&#39; rebates, trade-in options, bonus offering, give-aways i.e. free items, and rewards such as reward points given for purchases. Discounts can be of any suitable type such as, for example, single product discounts, bulk discounts, cross-promotional discounts, or cash discounts. Cross promotional discounts typically involve combined offers from one or more merchants. 
     Customized offers are offers that are customized for a consumer  20  based on purchasing preferences of consumer  20  and data related to the location of consumer  20  i.e. location data. Purchasing preference data can be stored in database  91 . Purchasing preferences can be determined based on historical transaction data of the consumer  20 , based on preferences selected by the consumer  20 , or based on other suitable criteria. For example, a purchasing preference may be determined from historical transaction data that consumer  20  buys coffee at 9:00 a.m. every weekday morning. 
     Purchasing preference data used to determine the offers for the consumer  20  can be determined in any suitable manner. In one example, the consumer  20  can specifically indicate his or her preferences on a website (not shown) operated by the server computer  92 . For example, the website may have various drop down menus and other selection mechanisms to allow a consumer to select preferences for food (e.g., fast food vs. fine dining, specific restaurants), preferences for goods (e.g., clothes, jewelry, etc.), preferences for services (e.g., drycleaners, etc.), etc. In another example, the consumer&#39;s preferences may be determined without the consumer specifically selecting his or her preferences. For example, the consumer&#39;s transaction history data can be used to determine preferences. For example, the consumer  20  can conduct many credit and/or debit card transactions which can pass through the payment processing network  90 . The payment processing network  90  may be in communication with various acquirers, and issuers associated with the debit and/or credit cards that are used by the consumer  20 . The account numbers for those debit and/or credit cards can be linked to the account number associated with the ATM card  50 , so that the server computer  92  in the payment processing network  90  can link transaction data associated with the consumer&#39;s debit and credit cards with the consumer&#39;s ATM card  50 . 
     Location data refers to information that is associated with the current location of consumer  20  and/or the destination location of consumer  20 . For example, location data could include information such as a data from a GPS element or signal strength data that can be used to determine the current geographical location of mobile phone  40  and thus consumer  20 . As another example, location data could include a destination address of consumer  20 . In one case, consumer  20  uses ATM locator to search for an ATM  70  closest to a destination address by entering the destination address. The location of the closest ATM(s)  70  to that destination address would be determined based on the desired destination address. Location data can also include the time and date that the location data is acquired. 
     In some embodiments if the consumer  20  is expected to be at a particular location at a particular time, then more than one ATM may be identified as being ready to dispense a customized offer to the consumer  20 . For example, if the consumer is at, or is expected to be at, 1 Market Street, in San Francisco, Calif., then ATMs within 1 mile of this location may be ready to dispense a customized offer to the consumer  20  in anticipation of the consumer&#39;s use of one or more of those ATMs. 
     In some embodiments, one or more components of the system  10  may include a timeout feature, whereby customized offers would no longer be provided by ATMs, because the consumer  20  is not expected to be in the vicinity of the ATMs. For example, in the above example, if the server computer  92  determines that the consumer  20  was at 1 Market Street, San Francisco, Calif. at noon, and the server computer  92  can subsequently determines (using any combination of the location determination methods described herein) that the consumer  20  is not 20 miles away from 1 Market Street, then the server computer  92  need not retain information about customized offers for the consumer  20  near 1 Market Street. 
     Coupon  12  refers to any suitable notification of one or more offers. In some cases, coupon  12  may be negotiable certificate that can be redeemed with the merchant and/or the manufacturer. In other cases, coupon  12  may be a notice that a merchant is having a sale on one or more products or services. Coupons  12  can be printed coupons or electronic coupons. Printed coupons can be on a paper receipt or other paper dispensed from ATM  70 . In another embodiment, a customized offer may be transmitted to the consumer&#39;s phone  40  upon interaction with the ATM  70 . The customized offer can be transmitted directly from the ATM  70  to the phone  40  using a wireless link (e.g., an RF link or an IR link). In another embodiment, a customized offer can be sent to mobile phone  40  after interaction with the ATM  70  using a short messaging service (SMS) message, a multimedia messaging service (MMS) message, or an email message. 
     Consumer  20  refers to an individual, or an organization such as a business that is capable of purchasing goods or services. In some cases, Consumer  20  has an account associated with ATM card  50  where the account is operated by issuer  80 . 
     Client computer  30  can be a desktop computer, a laptop computer, a cellular or mobile phone, a personal digital assistant (PDA), or other suitable device. In some embodiments, client computer  30  and mobile phone  40  are embodied in the same device. 
     Mobile phone  40  can be in any suitable form. An exemplary embodiment of mobile phone  40  is shown in  FIG. 3 . In some embodiments, mobile phone  40  also allows consumer  20  to display a web browser with the issuer&#39;s website having the ATM locator and/or allows consumer  20  to conduct transactions with merchants. Examples of suitable communication devices include a cellular phone, a personal digital assistant (PDA), a pager, transponders, and the like. In one embodiment, mobile phone  40  and client computer  30  are embodied in the same device. In another embodiment, mobile phone  40 , ATM card  50 , and client computer  30  are embodied in the same device. 
     ATM card  50  refers to a card that allows consumer  20  to conduct transactions with ATM  70 . In some embodiments, consumer  20  can also use ATM card  50  to conduct transactions with merchants such as merchant A  96  and merchant B  98 . In other embodiments, the ATM card  50  could alternatively be in the form of a key fob, phone, etc. A “portable ATM device” may be a device such as a card, fob, or phone, that allows a consumer to interact with an ATM to obtain cash or the like. 
     ATM card  50  may include any suitable component to perform its functions. In one embodiment, ATM card  50  may include a contactless transmitter for sending wireless signals, a processor (e.g., a microprocessor) for processing the functions of ATM card  50 , and a computer readable medium (CRM). These elements are in communication with each other. In other embodiments, ATM card  50  may also include a contactless receiver for receiving wireless signals. In other embodiments, the ATM card  50  may simply have a magnetic stripe which contains data such as the consumer&#39;s account number, PIN data, etc. 
     ATM  70  refers to any suitable device that functions to allow consumer  20  to conduct transactions with issuer  80  using their ATM card  50 . Some examples of ATM transactions include withdrawing cash from an account and dispensing to consumer  20 , transferring funds from one account to another account, paying bills, changing account information, balance inquiry, transaction inquiry, rewards inquiry, and loan inquiry. ATM  70  includes any suitable component that performs the functions of ATM  70 . Some functions of ATM  70  include conducting ATM transactions, dispensing cash to consumer  20 , printing and dispensing receipts and other papers to consumer  20 , displaying information to consumer  20  such as information about customized offers, and receiving and reading ATM card  50 . 
     The illustrated embodiment shows an ATM  70  associated with issuer  80 . In other embodiments, ATM  70  may be associated with another issuer. For example, consumer  20  may use ATM card  50  at an ATM  70  that is in the same ATM network. 
     System  10  can also include a communication link such as a wireless communication link between ATM  70  and mobile phone  40 . 
     Issuer  80  refers to any suitable entity that may open and maintain an account associated with ATM card  50  for consumer  20 . Some examples of issuers may be a bank, a business entity such as a retail store, or a governmental entity. In many cases, issuer  80  may also issue ATM card  50  to consumer  20 . 
     Payment processing network  90  may include data processing subsystems, networks, and operations used to support and deliver: a) data services for managing transaction data, purchasing preferences, and offers provided by merchants, b) services for customizing offers based on purchasing preferences and location information, c) services for managing coupons provided to consumers  20  d) authorization services, e) exception file services, and f) clearing and settlement services. An exemplary payment processing network  90  may include VisaNet™. Networks that include VisaNet™ are able to process credit card transactions, ATM transactions, debit card transactions, prepaid card transactions, and other types of commercial transactions. VisaNet™, in particular, includes a VIP system (Visa Integrated Payments system) which processes authorization requests and a Base II system which performs clearing and settlement services. Payment processing network  90  may use any suitable wired or wireless network, including the Internet. 
     Payment processing network  90  comprises a server computer  92 . Server computer  92  refers to a powerful computer or cluster of computers. For example, server computer  92  can be a large mainframe, a minicomputer cluster, or a group of servers functioning as a unit. Server computer  92  includes any hardware, software, other logic, or combination of the preceding for servicing the requests of one or more remote computers such as client computer  30 . 
     Server computer  92  comprises an ATM locator module  94  for providing an ATM locator (not shown) on a web browser displayed on client computer  30 . An ATM locator refers to a webpage or an element on a webpage of issuer&#39;s website that allows consumer  20  using client computer  30  to input information to locate an ATM  70 . ATM locator module  94  is connected to a communication medium such as a wide area network (e.g., the Internet) that is in communication with client computer  30 . 
     In some embodiments, consumer  20  uses client computer  30  to access a web browser displaying ATM locator on one or more webpages of issuer&#39;s website. For example, an ATM locator may allow consumer  20  to enter data related to the current location of consumer  20  or other location that consumer  20  would like to search for ATMs. Consumer  20  may enter, for example, a city and country, a zip code, a street intersection, a street address, a area code, or other suitable data related to a geographical location. 
     Payment processing network  90  may also include one or more databases  91  coupled to server computer  92 . A database refers to any hardware, software, firmware, or combination of the preceding for storing and facilitating retrieval of information. A database may use any of a variety of data structures, arrangements, and compilations to store and facilitate retrieval of information. The database  91  may store transaction data associated with various consumers conducting transactions with debit and/or credit cards. It may also store data relating to consumer preferences so that customized offers can be generated. 
     Merchants such as merchant A  96  and merchant B  98  refer to any suitable entity or entities that provide offers to consumer  20  and/or conduct transactions with consumer  20 . Merchants can be of any suitable type such as retailers of products, manufacturers of products, and service providers. Some examples of merchants include a department store, a gas station, a drug store, a grocery store, a product manufacturer, or other suitable business. 
     Merchant A  96  and merchant B  98  may have a place of business in any suitable location. In the illustrated embodiment, merchant A  96  and merchant B  98  have a place of business proximate to ATM  70 . In another embodiment, merchant A  96  and merchant B  98  have a place of business at some location between the current location of consumer  20  and ATM  70 . 
     Although not shown, merchants may have an access device for interacting with ATM card  50  and/or with mobile phone  40 . Some examples of suitable access devices include POS devices, cellular phones, PDAs, personal computers (PCs), tablet PCs, handheld specialized readers, set-top boxes, electronic cash registers (ECRs), automated teller machines (ATMs), virtual cash registers (VCRs), kiosks, security systems, access systems, websites, and the like. The access device may use any suitable contact or contactless mode of operation to send to or receive data from ATM card  50  and mobile phone  40 . 
     Modifications, additions, or omissions may be made to system  10  without departing from the scope of the disclosure. The components of system  10  may be integrated or separated according to particular needs. Moreover, the operations of system  10  may be performed by more, fewer, or other system modules. Additionally, operations of system  10  may be performed using any suitable logic comprising software, hardware, other logic, or any suitable combination of the preceding. 
       FIG. 2  is a block diagram of an exemplary ATM  70 , in accordance with an embodiment of the invention. ATM  70  comprises a processor  72  for processing the operations of ATM  70 . ATM  70  also comprises an input device  75  for receiving input from consumer  20 . Some examples of suitable input devices  75  include keypads, buttons, touchscreens, microphones, or other suitable input elements. ATM  70  also comprises an output device  76  for providing information to consumer  20 . Some examples of suitable output devices  76  include display screens, speakers, printed output, or other suitable output elements. Input device  75  and output device  76  are in communication with processor  72 . 
     ATM  70  also includes a CRM (computer readable medium)  73  for storing code having instructions that allow ATM  70  to operate. Processor  72  is in communication with CRM  73  to execute the code with the instructions. Some suitable code may include instructions to be able to receive a message requesting that a customized offer be sent to the consumer  20  interacting with ATM  70 , instructions to send a coupon with a customized offer to the mobile phone  40  of consumer  20  or otherwise provide the customized offer to the consumer  20 , instructions to print a coupon with a customized offer, and/or instructions to determine a customized offer based on purchasing preferences and/or data related to the location of consumer  20 . 
     ATM  70  also includes a reader  77  in communication with processor  72 . Reader  77  refers to any suitable device capable of interacting with and receiving information from ATM card  50 . Exemplary readers  77  include RF (radio frequency) antennas, magnetic stripe readers, etc. 
     ATM  70  also includes a network interface  74  in communication with processor  72 . Network interface  74  may include any suitable device or devices that allow ATM  70  to send message to and receive messages from an external network. In some cases, the ATM  70  may include a contactless element  71  (e.g., a contactless receiver and/or transmitter) for providing a communication link to mobile phone  40  proximate to ATM  70 . 
     ATM  70  also includes a cash reader and dispenser  78  for reading bills and dispensing the bills to consumer  20 . ATM  70  also includes a printer and dispenser device  79  for printing and dispensing the print to consumer  20 . Prints can be of any suitable types such as receipts, coupons, etc. Cash reader and dispenser  78  and a printer and dispenser device  79  are in communication with processor  72 . 
     Modifications, additions, or omissions may be made to the exemplary ATM  70  in  FIG. 2  without departing from the scope of the disclosure. The components of exemplary mobile phone  40  may be integrated or separated according to particular needs. Moreover, the operations of exemplary ATM  70  may be performed by more, fewer, or other modules. Additionally, operations of exemplary ATM  70  may be performed using any suitable logic comprising software, hardware, other logic, or any suitable combination of the preceding. 
       FIG. 3  is a block diagram of an exemplary mobile phone  40 , in accordance with an embodiment of the invention. Mobile phone  40  comprises a body  40 ( a ) in the form of a housing or other structure. Mobile phone  40  also comprises a processor  40 ( f ) (e.g., a microprocessor) for processing the functions of mobile phone  40 . Mobile phone  40  also comprises a computer readable medium (CRM)  40 ( g ) and GPS element  40 ( h ) for determining the geographical location of mobile device  40 . Mobile phone  40  also comprises a contactless element  40 ( b ) and an antenna  40 ( j ) for sending and receiving wireless signals with data. Mobile phone  40  also comprises a display  40 ( e ) to allow a consumer to see phone numbers and other information and messages, input element  40 ( c ) to allow a consumer (or presenter) to input information into mobile device  40 , a speaker  40 ( d ) to allow the consumer to hear voice communication, music, etc., and a microphone  40 ( i ) to allow the consumer to transmit her voice through mobile phone  40 . CRM  40 ( g ), GPS element  40 ( h ), contactless element  40 ( b ), antenna  40 ( j ), display  40 ( e ), input elements  52 , speaker  40 ( d ), and microphone  40 ( i ) are in communication with processor  40 ( f ). 
     CRM  40 ( g ) may be a memory that stores data and may be in any suitable form including a magnetic stripe, a memory chip, and the like. CRM  40 ( g ) may store any suitable data such as location data, financial information, transit information (e.g., as in a subway or train pass), access information (e.g., as in access badges), etc. 
     In this embodiment, location data includes information provided by GPS element  40 ( h ) such as information related to the current geographical location of consumer  20  and mobile phone  40 , and the time and date that the GPS element  40 ( h ) acquired the information. Financial information may include information such as bank account information, bank identification number (BIN), credit or debit card number information, account balance information, expiration date, contact information of consumer  20 , personal information of consumer  20  such as name, date of birth, etc. Any of this information may be transmitted by mobile phone  40 . 
     Contactless element  40 ( b ) may include a contactless receiver for receiving wireless signals and/or a contactless transmitter for sending wireless signals with data stored in CRM  36  to a contactless receiver on another device. In one example, contactless element  40 ( b ) may include a semiconductor chip (or other data storage element) with an associated wireless transfer (e.g., data transmission) element, such as an antenna. Contactless element  40 ( b ) is associated with (e.g., embedded within) mobile phone  40  and data or control instructions transmitted via a cellular network may be applied to contactless element  40 ( b ) by means of an interface (not shown). The interface functions to permit the exchange of data and/or control instructions between the mobile device circuitry (and hence the cellular network) and contactless element  40 ( b ). 
     Contactless element  40 ( b ) is capable of sending and receiving data using a near field communications (NFC) capability (or near field communications medium) Typically, NFC capability is in accordance with a standardized protocol or data transfer mechanism (e.g., ISO 14443/NFC). Near field communications capability is a short-range communications capability, such as RFID, Bluetooth™, infra-red, or other data transfer capability that can be used to exchange data between Mobile phone  40  other devices such as ATM  70 . Thus, mobile phone  40  is capable of receiving and sending data and/or control instructions via both a cellular network and near field communications capability. 
     Antenna  40 ( j ) may allow consumer  20  to send coupon  12  in electronic form to a point of sale (POS) device at a merchant A  96 . Antenna  40 ( j ) may also be used to communicate location information stored on CRM  40 ( g ) derived from GPS element  40 ( h ) to the ATM  70 , or to a phone company to forward it to payment processing network  90  (shown in  FIG. 1 ). Antenna  40 ( j ) may communicate information to the ATM  70  or to the POS device in any contactless manner. 
     In other embodiments, the functionality and/or components of ATM card  50  may be incorporated into mobile phone  40 . For example, consumer  20  could interacts their mobile phone  40  with reader  77  of ATM  70  to transmit identification and authentication information from a contactless element  40 ( b ) of mobile phone  40  to a contactless receiver of reader  77  of ATM  70 . 
     Modifications, additions, or omissions may be made to the exemplary mobile phone  40  in  FIG. 3  without departing from the scope of the disclosure. The components of exemplary mobile phone  40  may be integrated or separated according to particular needs. Moreover, the operations of exemplary mobile phone  40  may be performed by more, fewer, or other modules. Additionally, operations of exemplary mobile phone  40  may be performed using any suitable logic comprising software, hardware, other logic, or any suitable combination of the preceding. 
     In a typical process, consumer  20  interacts their ATM card  50  with reader  77  of ATM  70  to provide identification and authentication information to reader  77 . Consumer  20  may provide this information to initiate a transaction at ATM  70  such as withdrawing cash. In some cases, ATM card  50  may have a magnetic stripe with the identification and authentication information. Consumer  20  inserts ATM card  50  into ATM  70 , and it passes through a card reader of reader  77 . In other cases, ATM card  50  may have a contactless transmitter. Consumer  20  holds ATM card  50  near a contactless receiver of reader  77  to send a wireless signal with the information to the reader  77 . 
     The processor  72  receives information from the ATM card  50  via the reader  77 . Processor  72  forwards the information through network interface  74  to issuer  80  associated with ATM  70 . Issuer  80  forwards the information to server computer  92  in the payment processing network  90 . 
     Before or after the consumer  20  interacts with the ATM  70 , the server computer  92  receives offers from merchants such as merchants A and B  96 ,  98 . The server computer  92  can retrieve offers from the merchants after the consumer  20  interacts with the ATM  70 , or the merchants may send offers to the server computer  92  in advance; before the consumer  20  interacts with the ATM  70 . If the server computer  92  receives offers from merchant A and B  96 ,  98  in advance of consumer  20  interacting with ATM  70 , server computer  92  has additional time to generate customizations of the offers. 
     Server computer  92  customizes the offers based on the purchasing preferences and location data. Server computer  92  determines an ATM  70  proximate to the geographical location of consumer  20 . Server computer  92  determines which of the received offers are from local merchants having a place of business near the ATM  70 . Server computer  92  determines which offers from local merchants match the purchasing preferences of consumer  20 . The matched offers are the customized offers. For example, consumer  20  may go to an ATM  70  at 9 a.m. to withdraw cash. Server computer  92  analyzes three offers: 1) an offer for free coffee a Starbucks coffee store next to the ATM  70 , 2) an offer for a 10% discount on jewelry at a shop next to the cafe, and 3) an offer for a 10% discount at a grocery store across town. Since the consumer  20  is currently located at the ATM  70 , serve computer  92  selects the first two offers from local merchants as possible offers to provide to the consumer  20 . Server computer  92  can also review the transaction data associated with consumer  20  (stored in the database  91 ) to determine which of the two offers would most likely be used by the consumer  20 . For example, the server computer  92  may determine that that consumer  20  makes frequent purchases at Starbucks, but rarely goes to jewelry stores, after analyzing transaction data that is accumulated from the consumer&#39;s credit and debit card purchases. Given those purchasing preferences, server computer  92  determines that the free coffee offer from Starbucks matches the purchasing preferences of consumer  20  and is the customized offer. Prior ATMs have not provided customized offers to consumers based on purchasing preferences of consumer  20 . 
     After determining customized offer(s), server computer  92  sends a message to ATM  70  with the customized offer. After the consumer  20  interacts with the ATM  70 , it responds by providing coupon  12  with the customized offer to consumer  20 . 
     Consumer  20  can receive the customized offer in any suitable way. For example, consumer  20  can receive the customized offer on a printed coupon on a transaction receipt or other paper. In another example, a coupon code with the customized offer is outputted on an output device  76  of ATM  70  by displaying the code on a screen or announcing the code over a speaker. In yet another example, consumer  20  receives a coupon code with the customized offer on his mobile phone  40  in the form of a text message, email, voicemail, or other suitable notification. Consumer  20  can use the coupon code or printed coupon to redeem the customized offers at the merchant. Since the consumer  20  is located at the ATM  70 , consumer  20  may have cash from the ATM  70 , may know their current balance in their account by a balance inquiry at ATM  70 , or may have deposited funds into their account using the ATM  70 . Thus, consumer  20  is more likely to know they have funds to purchase products at local merchants. Presenting the coupon to the consumer  20  at the ATM  70  provides an opportunity of providing a customized offer at the time that the consumer  20  has funds to take advantage of the customized offer. 
     In another embodiment, server computer  92  may determine which of the offers received from merchants match the purchasing preferences of consumer  20 . Mobile phone  40  may send location data to server computer  92  indicating that consumer  20  has arrived at a particular ATM  70 . Server computer  92  may determine which of the offers matching the purchasing preferences is also associated with merchants proximate to the particular ATM  70  that consumer  20  has arrived at. The determined offers are the customized offers. Server computer  92  sends a message to ATM  70  to provide one or more of the customized offers to consumer  20 . 
     In yet another embodiment, server computer  92  determines which of the received offers are from merchants that have a place of business at a location between the location of consumer  20  and ATM  70 . Server computer  92  determines which of these offers match the purchasing preferences of consumer  20  and the matching offers are the customized offers provided to consumer  20 . 
     In one embodiment, server computer  92  provides a website, which can be displayed on a web browser on client computer  30 . ATM locator module  94  of server computer  92  provides an ATM locator. Consumer  20  uses ATM locator to locate an ATM  70  based on location data (e.g., a zip code). The location data may be associated with the geographical location of consumer  20  or a desired destination. Consumer  20  inputs the location data and receives a list of one or more ATMs  70  that are proximate to the location data. Server computer  92  may use this location data and purchasing preferences determined from transaction data associated with consumer&#39;s accounts to determine customized offers for consumer  20 . Server computer  92  sends the customized offers to one or more of the ATMs  70  on the list. For example, server computer  92  may send a customized offer to the closest ATM according to the location data. When the consumer  20  interacts with the ATM  70  to conduct a transaction, ATM  70  prints and dispenses a paper (e.g., a coupon) with the customized offer to consumer  20 . In this embodiment, server computer  92  has advance notice that the consumer  20  will be travelling to the one or more ATMs  70 . Advance notice gives the server computer  92  additional time to generate customized offers. With this additional time, server computer  92  could, for example, request additional offers from local merchants. These new offers may be more up-to-date that the offers already received by server computer  92 . With this additional time, server computer  92  could also generate potential offers based on recent transaction data and present them to local merchants for approval to provide to consumer  20 . Thus, this additional time allows the server computer  92  to provide up-to-date offers to consumer  20 . 
     In one embodiment, consumer  20  requests that customized offers be provided to him. For example, consumer  20  could be withdrawing cash at an ATM  70  and ATM  70  displays the message “Would you like to receive a coupon from a local merchant?” on its output device  76 . Consumer  20  could select a button that indicates “Yes, I would like to receive a coupon.” In response, ATM  70  could provide a coupon with a customized offer. In another example, consumer  20  could request customized offers on issuer&#39;s website on a web browser displayed on client computer  30 . In response, server computer  92  could send the requested offers to be displayed on client computer  30  so that consumer  30  can print them on an attached printer. Alternatively, server computer  92  could sent the requested offers to the particular ATM  70  that consumer  20  is going to and ATM  70  can provide the customized offers to consumer  20 . 
     In one embodiment, consumer  20  could select one or more customized offers from a list of customized offers. For example, ATM  70  could provide a list of customized offers to consumer  20  on output device  76  of ATM  70 . Consumer  20  could select one or more of the customized offers on the list. ATM  70  would provide the selected offers to consumer  20 . In some cases, consumer  20  could select an option to display a list of customized offers by category (e.g., fast food) or by merchant. 
       FIG. 4  is a flow chart illustrating a method of providing customized offers to a consumer at an ATM  70 , in accordance with an embodiment of the invention. 
     The geographical location of consumer  20  is determined from location data (step  100 ). For example, the GPS element  40 ( h ) on mobile phone  40  determines location data. The location data is transmitted in a wireless signal through antenna  40 () to a wireless receiver at payment processing network  90 . Server computer  92  determines the geographical location of the phone  40  (and hence the consumer  20 ) based on the location data. As noted above, the location of the consumer could be determined in other ways. 
     In another embodiment, the location data from GPS element  40 ( h ) of mobile phone  40  is transmitted in a wireless signal to a telecommunication entity (e.g., a telephone company) associated with mobile phone  40 . The telecommunication entity determines the geographical location of mobile phone  40  based on location data received from mobile phone  40 . The telecommunication entity forwards the location data with the geographical location of mobile phone  40  to server computer  92  of payment processing network  90 . 
     After determining the location of the consumer  20 , the purchasing preferences of consumer  20  are determined by server computer  92  (step  102 ). In some cases, server computer  92  determines the purchasing preferences based on transaction data. Server computer  92  may analyze all transactions or a subset of all transactions such as the last N transactions (e.g., 10, 100 or 1000) conducted using ATM card  50 , the consumer&#39;s debit cards, and/or the consumer&#39;s credit cards. For example, server computer  92  may determine that based on the last 1000 transactions conducted using ATM card  50 , the consumer&#39;s debit card, and the consumer&#39;s credit card, the consumer  20  prefers Mexican fast food over other types of fast food. In other cases, server computer  92  may determine purchasing preferences from information provided by consumer  20 . For example, consumer  20  may indicate on a website on the server computer  92  that he does not want to receive fast food offers. 
     Server computer  92  determines customized offers using purchasing preferences and the location data (step  104 ). Before or after determining the location of the consumer  20 , server computer  92  receives a plurality of offers from merchants. Server computer  92  then selects a subset of the offers received from the local merchants near the geographical location of consumer  20  using the consumer preference information. This determination may result in more than one customized offer. 
     Server computer  92  then sends a message to ATM  70  (step  106 ). The message includes the one or more customized offers and a request to ATM  70  to provide consumer  20  with the one or more customized offers. 
     After the ATM  70  receives the message with the customized offer, the ATM  70  provides the one or more customized offers to consumer  20  (step  108 ). ATM  70  then dispenses a transaction receipt with the one or more customized offers. In one case, ATM  70  dispenses a printed coupon  12  on a paper such as a transaction receipt. In another case, ATM  70  may transmit a wireless signal with coupon codes associated with the customized offers to mobile phone  40 . In another case, ATM  70  may display the coupon codes on output device  76  of ATM  70  or announce the code of a speaker of ATM  70 . After ATM  70  provides the one or more customized offers, the method ends (step  110 ). 
     Modifications, additions, or omissions may be made to the method without departing from the scope of the disclosure. The method may include more, fewer, or other steps. Additionally, steps may be performed in any suitable order without departing from the scope of the disclosure. 
       FIG. 5  shows a webpage  500  that provides an example of an ATM locator that could be provided by ATM locator module  94 , in accordance with an embodiment of the invention. Consumer  20  can enter location data such as the country and city or a postal code and country. This location data is communicated to the ATM locator module  94  of payment processing network  90 . The ATM locator module  94  determines one or more ATMs proximate to the location and displays the locations of the proximate ATMs on ATM locator. 
       FIG. 6  is a diagram of an exemplary coupon  12 , in accordance with an embodiment of the invention. Coupon  12  comprises a customized offer  61  for “Free Coffee next door at Merchant A.” Coupon  12  also comprises a code  62  of “123456.” Codes refer to values that can be used by the merchant to identify and/or authenticate the offer. Codes can also be used by consumer  20  to redeem the coupon  12 . In addition to number codes, a bar code or other identifier may be used. Coupon  12  also comprises an expiration date  63  of “Month Day, Year.” 
     In this example, coupon  12  is printed on the back of a transaction receipt dispensed by ATM  70 . In other examples, coupon  12  may be printed on a separate receipt or on the bottom of the transaction receipt. 
     To redeem coupon  12 , consumer  20  provides coupon  12  to merchant A  96 . Merchant A  96  can read the code to identify coupon  12  and redeem coupon  12  for consumer  20 . 
       FIG. 7  shows a block diagram of subsystems that may be present in computer apparatuses that are used in system  10 , according to embodiments of the invention. 
     The various components in the previously described Figures may operate using one or more computer apparatuses to facilitate the functions described herein. Any of the elements in the Figures may use any suitable number of subsystems to facilitate the functions described herein. Examples of such subsystems or components are shown in a  FIG. 7 . The subsystems shown in  FIG. 7  are interconnected via a system bus  975 . Additional subsystems such as a printer  974 , keyboard  978 , fixed disk  979  (or other memory comprising computer readable media), monitor  976 , which is coupled to display adapter  982 , and others are shown. Peripherals and input/output (I/O) devices, which couple to I/O controller  971 , can be connected to the computer system by any number of means known in the art, such as serial port  977 . For example, serial port  977  or external interface  981  can be used to connect the computer apparatus to a wide area network such as the Internet, a mouse input device, or a scanner. The interconnection via system bus allows the central processor  973  to communicate with each subsystem and to control the execution of instructions from system memory  972  or the fixed disk  979 , as well as the exchange of information between subsystems. The system memory  972  and/or the fixed disk  979  may embody a computer readable medium. Any of these elements may be present in the previously described features. For example, the previously described server computer  92  may have directory server and access control server may have one or more of these components shown in  FIG. 7 . 
     A computer readable medium according to an embodiment of the invention may comprise code for performing any of the functions described above. For example, the previously described server computer  92  may comprise a computer readable medium comprising: a) code for determining purchasing preferences, b) code for determining the location of consumer  20  based on location data b) code for determining a customized offer using purchasing preferences and location data, c) code for sending messages to ATM  70  including a message that causes ATM  70  to provide a customized offer to consumer  20 , d) code for authenticating consumer  20 , and/or e) code for approving and settling transactions. Server computer  92  may also have a processor coupled to the computer readable medium, where the processor executes instructions embodied by computer code on the computer readable medium. In another example, the previously described CRM  73  of ATM  70  may comprise: a) code for determining purchasing preferences, b) code for determining customized offers using purchasing preferences and location data, c) code for receiving location data and determining a location of consumer  20  based on location data, d) code for communication with server computer  92 , mobile phone  40 , and issuer  80 , and/or e) code for conducting ATM transactions with consumer  20 . 
     The terms and expressions which have been employed herein are used as terms of description and not of limitation, and there is no intention in the use of such terms and expressions of excluding equivalents of the features shown and described, or portions thereof, it being recognized that various modifications are possible within the scope of the invention claimed. Moreover, any one or more features of any embodiment of the invention may be combined with any one or more other features of any other embodiment of the invention, without departing from the scope of the invention. 
     Also, it should be understood that the present invention as described above can be implemented in the form of control logic using computer software in a modular or integrated manner. Based on the disclosure and teachings provided herein, a person of ordinary skill in the art will know and appreciate other ways and/or methods to implement the present invention using hardware and a combination of hardware and software. 
     Any of the software components or functions described in this application, may be implemented as software code to be executed by a processor using any suitable computer language such as, for example, Java, C++ or Perl using, for example, conventional or object-oriented techniques. The software code may be stored as a series of instructions, or commands on a computer readable medium, such as a random access memory (RAM), a read only memory (ROM), a magnetic medium such as a hard-drive or a floppy disk, or an optical medium such as a CD-ROM. Any such computer readable medium may reside on or within a single computational apparatus, and may be present on or within different computational apparatuses within a system or network. 
     A recitation of “a”, “an” or “the” is intended to mean “one or more” unless specifically indicated to the contrary. 
     The above description is illustrative and is not restrictive. Many variations of the disclosure will become apparent to those skilled in the art upon review of the disclosure. The scope of the disclosure should, therefore, be determined not with reference to the above description, but instead should be determined with reference to the pending claims along with their full scope or equivalents. 
     One or more features from any embodiment may be combined with one or more features of any other embodiment without departing from the scope of the disclosure.