PERSONALIZED CUSTOMER TRANSACTION SYSTEM
A variety of products and services can be integrated and personalized by a self-service kiosk. A self-service terminal that originates a financial transaction, the self-service terminal may comprise a physical payment interface integrated with the self-service terminal, a personalized interaction management module that accesses a user account, the user account identifying payment obligations of a user to a plurality of payees, an input adapter that detects selection of an identified payment obligation to a payee, a transaction management module that receives an originating instruction via the self-service terminal to originate payment associated with the selected payment obligation, funds designated for the payment being specified via the physical payment interface, and a transaction processing module that transmits a payment instruction specifying the payment for application against the selected payment obligation.
1 . A method of originating a financial transaction through a self-service terminal including a physical payment interface, the method comprising:
accessing a user account via the self-service terminal, the user account identifying payment obligations of a user to a plurality of payees;
detecting selection of an identified payment obligation to a payee via the self service terminal;
receiving an originating instruction via the self-service terminal to originate payment associated with the selected payment obligation, funds designated for the payment being specified via the physical payment interface of the self-service terminal; and
transmitting a payment instruction specifying the payment for application against the selected payment obligation.
2 . The method of claim 1 wherein accessing a user account comprises:
receiving uniquely identifying user information via the self-service terminal;
transmitting the uniquely identifying user information to a payment obligation database; and
receiving access to the user account associated with the uniquely identifying user information.
3 . The method of claim 1 , wherein detecting selection of an identified payment obligation to a payee comprises:
displaying the identified payment obligation on the self-service terminal; and
receiving an input from the user selecting the identified payment obligation.
4 . The method of claim 1 , further comprising:
displaying the identified payment obligation in association with at least one of: a payee identifier, an account identifier, an amount due, a location identifier and a due date for a payment obligation of the user to a payee.
5 . The method of claim 1 , further comprising:
displaying the identified payment obligation in a sortable matrix of the payment obligations, the sortable matrix being sortable by at least one of the criteria of: a payee identifier, an account identifier, an amount due, a location identifier and a due date for a payment obligation.
6 . The method of claim 1 , further comprising:
displaying with emphasis the identified payment obligation that is due within a predetermined increment of time.
7 . The method of claim 1 , further comprising:
validating funds designated for the payment via the physical payment interface.
8 . The method of claim 1 , further comprising:
validating at least one of: the funds amount, a source of the funds, a location identifier associated with the self-service terminal, and whether the funds can be applied to the selected payment obligation.
9 . The method of claim 1 , further comprising:
creating the user account via the self-service terminal.
10 . The method of claim 1 , further comprising:
initializing the user account through the self-service terminal, the user account allowing access to the identified payment obligations;
recieving a user instruction to modify an identified payment obligation of the user; and
transmitting a modification instruction specifying the identified payment obligation and modification to be applied.
11 . The method of claim 1 , further comprising:
receiving user information uniquely identifying the user to set up a user account.
12 . The method of claim 1 , further comprising:
receiving a user instruction to add, subtract or modify a feature associated with an identified payment obligation.
13 . The method of claim 12 , wherein the feature includes at least one of: a payee identifier, an account identifier, a location identifier, an amount due and a due date for a payment obligation.
14 . The method of claim 1 , further comprising:
rejecting input of additional cash into the physical payment interface if the additional cash would cause the user to exceed a specified threshold for cash transactions in a specified period.
15 . A computer-readable storage medium encoding a computer program for executing on a computer system a computer process that originates a financial transaction through a self-service terminal including a physical payment interface, the computer process comprising:
accessing a user account via the self-service terminal, the user account identifying payment obligations of a user to a plurality of payees;
detecting selection of an identified payment obligation to a payee via the self service terminal;
receiving an originating instruction via the self-service terminal to originate payment associated with the selected payment obligation, funds designated for the payment being specified via the physical payment interface of the self-service terminal; and
transmitting a payment instruction specifying the payment for application against the selected payment obligation.
16 . The computer-readable storage medium of claim 15 wherein accessing a user account comprises:
receiving uniquely identifying user information via the self-service terminal;
transmitting the uniquely identifying user information to a payment obligation database; and
receiving access to the user account associated with the uniquely identifying user information.
17 . The computer-readable storage medium of claim 15 , wherein detecting selection of an identified payment obligation to a payee comprises:
displaying the identified payment obligation on the self-service terminal; and
receiving an input from the user selecting the identified payment obligation.
18 . The computer-readable storage medium of claim 15 , wherein the computer process further comprises:
displaying with emphasis the identified payment obligation that satisfies a specified condition.
19 . The computer-readable storage medium of claim 15 , wherein the computer process further comprises:
validating funds designated for the payment via the physical payment interface.
20 . The computer-readable storage medium of claim 15 , wherein the computer process further comprises:
validating at least one of: the funds amount, a source of the funds, a location identifier associated with the self-service terminal, and whether the funds can be applied to the selected payment obligation.
21 . The computer-readable storage medium of claim 15 , further comprising:
rejecting input of additional cash into the physical payment interface if the additional cash would cause the user to exceed a specified threshold for cash transactions in a specified period.
22 . A self-service terminal that originates a financial transaction, the self-service terminal comprising:
a physical payment interface integrated with the self-service terminal;
a personalized interaction management module that accesses a user account, the user account identifying payment obligations of a user to a plurality of payees;
an input adapter that detects selection of an identified payment obligation to a payee;
a transaction management module that receives an originating instruction via the self-service terminal to originate payment associated with the selected payment obligation, funds designated for the payment being specified via the physical payment interface; and
a transaction processing module that transmits a payment instruction specifying the payment for application against the selected payment obligation.
23 . A method of processing a financial transaction originated from a self-service terminal, the method comprising:
receiving a request from the self-service terminal to access a user account, the user account identifying payment obligations of a user to a plurality of payees;
transmitting data associated with the user account to the self-service terminal;
receiving a payment instruction from the self-service terminal to execute a payment associated with a payment obligation to a payee identified by the user account, the payment instruction identifying a location identifier associated with the self-service terminal; and
transmitting a service instruction to execute the payment.
24 . The method of claim 23 , further comprising:
retrieving a payment obligation of the user from a payee identified in the user account.
25 . The method of claim 23 , further comprising:
retrieving a payment obligation of the user from a payee identified in the user account on demand, responsive to receiving the request from the self-service terminal.
26 . The method of claim 23 , further comprising:
granting the user with access to the user account based on uniquely identifying user information.
27 . A computer-readable storage medium encoding a computer program for executing on a computer system a computer process that processes a financial transaction originated from a self-service terminal, the computer process comprising:
receiving a request from the self-service terminal to access a user account, the user account identifying payment obligations of a user to a plurality of payees;
transmitting data associated with the user account to the self-service terminal;
receiving a payment instruction from the self-service terminal to execute a payment associated with a payment obligation to a payee identified by the user account, the payment instruction identifying a location identifier associated with the self-service terminal; and
transmitting a service instruction to execute the payment.
28 . The computer-readable storage medium of claim 27 , wherein the computer process further comprises:
retrieving a payment obligation of the user from a payee identified in the user account.
29 . The computer-readable storage medium of claim 27 , wherein the computer process further comprises:
retrieving a payment obligation of the user from a payee identified in the user account on demand, responsive to receiving the request from the self-service terminal.
30 . The computer-readable storage medium of claim 27 , wherein the computer process further comprises:
granting the user with access to the user account based on uniquely identifying user information.