Self-service system having transaction predictive capability and

Details Self-service system having transaction predictive capability and Self-service system having transaction predictive capability and

1993-11-15

1995-02-14

Hajec, Donald

Registers

Systems controlled by data bearing records

Banking systems

235380, 235382, 2353825, 235438, 902 3, 902 5, 902 10, 364408, 34082534, G06F 1530

Patent

active

053897730

ABSTRACT:
A self-service system, such as an automated teller machine (ATM) system, uses predictive technology. When a user begins a transaction by inserting an identification card into a card reader of an ATM, the predictive technology predicts which service or services provided by the system the user is likely to request. This prediction is based upon a stored record in the system, representing previous transactions by that user. The prediction is made in advance of completion of an authorization process for the transaction, to increase the speed of operation of the ATM in carrying out the transaction. For example, to reduce overall transaction time, the ATM can count out a predicted amount of cash in advance of an anticipated withdrawal request. Also, the prediction is used to generate a special display for a particular user, the display being designed to simplify the decisions and selections required to be made by the user.

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