Patent ID: 7784682

Claim:
A method of operating a promotional program for users of at least one automated teller machine (ATM) of a banking institution, wherein the method comprises: receiving a device from the user at the at least one ATM; determining, using a computer processor, whether the user is an existing customer or a potential customer of the banking institution, wherein the existing customer is a present account-holder with the banking institution and the potential customer is not a present account-holder with the banking institution: accessing, using a computer processor, an existing customer transaction history if the user is an existing customer, wherein the existing customer interaction history comprises the user's: (1) transaction history with the at least one ATM of the banking institution, (2) transaction history with the banking institution, and (3) transaction history with third parties; accessing, using a computer processor, a potential customer transaction history if the user is a potential customer, wherein the potential customer transaction history comprises the user's history of transactions with the at least one ATM of the banking institution, wherein the potential customer transaction history is identified by at least one identifier associated with the user; and dispensing an indicia redeemable for a prize, wherein the dispensing of the indicia is accomplished through the use of the at least one ATM, wherein the at least one ATM machine dispenses the indicia upon the user completing a triggering behavior, wherein completion of the triggering behavior is determined from the existing customer transaction history or the potential customer transaction history, wherein the indicia is randomly dispensed to users meeting pre-determined criteria, and wherein the indicia is directly redeemable for the prize with no additional steps or requirements placed upon the user to redeem the prize indicated by the indicia beyond presenting the indicia in the manner indicated on the indicia.