The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.

The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.

Date of Patent:
Sep. 15, 2020

Filed:

Aug. 16, 2010
Applicants:

Adam Joseph Elliott, Lino Lakes, MN (US);

Barry Paul, Milwaukee, WI (US);

Inventors:

Adam Joseph Elliott, Lino Lakes, MN (US);

Barry Paul, Milwaukee, WI (US);

Assignee:

EFunds Corporation, Milwaukee, WI (US);

Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G07F 19/00 (2006.01); G06Q 40/02 (2012.01); G06Q 30/02 (2012.01); G06Q 20/10 (2012.01);
U.S. Cl.
CPC ...
G06Q 40/025 (2013.01); G06Q 20/10 (2013.01); G06Q 20/1085 (2013.01); G06Q 30/0255 (2013.01); G06Q 30/0268 (2013.01); G06Q 30/0269 (2013.01); G06Q 30/0271 (2013.01); G06Q 40/02 (2013.01); G07F 19/20 (2013.01); G07F 19/203 (2013.01);
Abstract

A method of and apparatus for automatically displaying an advertisement or promotional material to a user of an automated teller machine or point of purchase terminal. The method includes accessing debit data and credit bureau data for the applicant, accessing account information for the applicant, generating a score for the applicant based on the data and the account information and determining what advertisements or promotional offers to display on the ATM or POP terminal. The apparatus is a system, including both hardware and software components for effecting the method.


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