Prior art — US Patent 8862508

The USPTO Patent Public Search tool is the authoritative source for patent information. A search for US patent 8862508 reveals a list of "Patent Citations" and "Non-Patent Citations". These are documents that the patent examiner considered relevant during the prosecution of US8862508.

Here's an analysis of the most relevant prior art cited in US patent 8862508:

Patent Citations:

US6223983B1 - Interactive point access financial and information system
- Full Citation: US6223983B1
- Publication Date: 2001-05-01
- Filing Date: 1999-02-19
- Description: This patent describes an interactive point access financial and information system. While the full text is not provided in the snippets, the title suggests a system that allows users to access financial information and services through an interactive point, which could encompass aspects of e-banking touch points.
- Potential Anticipated Claim(s): Claims 1, 7, and 13, particularly the broad concepts of providing e-banking touch points and delivering financial services. More specific elements like personalized marketing and real-time responses would need further comparison with the detailed description of this patent.
US6334110B1 - System and method for analyzing customer transactions and interactions
- Full Citation: US6334110B1
- Publication Date: 2001-12-25
- Filing Date: 1999-03-10
- Description: This patent focuses on capturing and analyzing customer transaction and interaction information over time. It classifies customers based on their time-based interactions and transactions to perform targeted marketing and cross-selling. The system temporally tags interactions, creates temporal profiles, and uses them for advertising campaigns. This includes collecting customer purchase and interaction behavior from various sources, including electronic commerce.
- Potential Anticipated Claim(s): This patent strongly anticipates elements of claims 1, 7, and 13 related to storing transactional usage data, examining customer habits, selecting targeted marketing content, and using user-defined preferences. The focus on "time-based interactions" and "temporal profiles" for targeted marketing is particularly relevant.
US20020111157A1 - Wireless networked cash management system
- Full Citation: US20020111157A1
- Publication Date: 2002-08-15
- Filing Date: 2000-12-04
- Description: This patent describes a wireless networked cash management system. While specific details on personalized marketing are not immediately apparent from the title, the concept of a "wireless networked" system suggests communication among devices, which is a component of US8862508.
- Potential Anticipated Claim(s): Broad aspects of claims 1, 7, and 13 pertaining to networked e-banking touch points, particularly those involving wireless devices (e.g., PDA, wireless laptop).
US20020138432A1 - System and method for reporting customer visits to a bank or the like
- Full Citation: US20020138432A1
- Publication Date: 2002-09-26
- Filing Date: 2001-03-21
- Description: This patent describes a system and method for reporting customer visits, likely for analytical or marketing purposes within a banking context.
- Potential Anticipated Claim(s): Elements of claims 1, 7, and 13 related to monitoring and storing customer interaction data.
US20030040959A1 - Method and apparatus for conducting transactions on an automated teller machine
- Full Citation: US20030040959A1
- Publication Date: 2003-02-27
- Filing Date: 2001-08-10
- Description: This patent describes a method and apparatus for conducting transactions on an ATM. It focuses on delivering personalized messages, services, and advertisements specifically targeted to the ATM user or their market segment through a World Wide Web-enabled ATM. It also provides quick transactions based on user-defined preferences and customer-initiated email communication for further marketing. The system can differentiate customers using information stored in institution databases to deliver a more personalized user interface and show targeted advertising.
- Potential Anticipated Claim(s): This patent significantly anticipates claims 1, 7, and 13, particularly regarding personalized content delivery, targeted marketing based on user preferences, and customer interaction with advertising at an ATM touch point. The real-time aspect of responding to user input for further information is also highly relevant.
US20030065563A1 - Method and apparatus for atm-based cross-selling of products and services
- Full Citation: US20030065563A1
- Publication Date: 2003-04-03
- Filing Date: 1999-12-01
- Description: This patent details a method and apparatus for ATM-based cross-selling. It describes a method for "segment of one" marketing to a customer utilizing an ATM, where the ATM dispenses a receipt with a promotion and a telephone number. A telephonic survey is then conducted to gather customer profile information, which is used to send targeted messages for cross-selling financial products. It aims to provide marketing specific to individual customers.
- Potential Anticipated Claim(s): Claims 1, 7, and 13, specifically the elements concerning personalized financial services, targeted marketing content, storing customer preferences, and using customer responses for further marketing.
US20030120597A1 - Application service provider and automated transaction machine system and method
- Full Citation: US20030120597A1
- Publication Date: 2003-06-26
- Filing Date: 1996-11-27
- Description: This patent describes an application service provider (ASP) and automated transaction machine system and method. It broadly covers a system where services are provided to automated transaction machines, which could encompass the multi-channel server concept.
- Potential Anticipated Claim(s): General aspects of claims 1, 7, and 13 related to a system architecture for managing ATMs and providing services.
US20030126084A1 - Application service provider and automated transaction machine system and method
- Full Citation: US20030126084A1
- Publication Date: 2003-07-03
- Filing Date: 1996-11-27
- Description: Similar to US20030120597A1, this patent also describes an application service provider and automated transaction machine system and method.
- Potential Anticipated Claim(s): General aspects of claims 1, 7, and 13 related to a system architecture for managing ATMs and providing services.
US20040010597A1 - System and method for providing enhanced services in a multi-channel interactive distributed environment
- Full Citation: US20040010597A1
- Publication Date: 2004-01-15
- Filing Date: 1999-04-22
- Description: This patent describes a system and method for providing enhanced services in a multi-channel interactive distributed environment. The title itself points to a core concept of US8862508.
- Potential Anticipated Claim(s): Broad aspects of claims 1, 7, and 13 related to unifying multiple e-banking touch points and providing enhanced services in a distributed environment.
WO2005078596A1 - Kiosk apparatus for internet banking and internet banking method using the same
- Full Citation: WO2005078596A1
- Publication Date: 2005-08-25
- Filing Date: 2004-02-05
- Description: This international publication describes a kiosk apparatus and method for internet banking. Kiosks are explicitly listed as one type of e-banking touch point in US8862508.
- Potential Anticipated Claim(s): Claims 1, 7, and 13 concerning the use of kiosks as e-banking touch points and providing internet banking services.
US20060036501A1 - Change-based transactions for an electronic kiosk
- Full Citation: US20060036501A1
- Publication Date: 2006-02-16
- Filing Date: 2004-06-30
- Description: This patent describes change-based transactions for an electronic kiosk. Kiosks are a type of e-banking touch point mentioned in US8862508.
- Potential Anticipated Claim(s): Claims 1, 7, and 13 regarding the functionality of kiosks as e-banking touch points.
US7039600B1 - ATM customer marketing system
- Full Citation: US7039600B1
- Publication Date: 2006-05-02
- Filing Date: 1998-11-27
- Description: This patent describes an ATM customer marketing system and method that selectively presents different promotional messages and campaigns to groups of ATMs, and enables analysis of the results. It involves an ATM sending customer identity information to a remote computer (different from the transaction authorization computer) which determines and returns appropriate marketing messages to the ATM during the financial transaction. It aims to provide immediate feedback from ATM users concerning marketing messages and not impact transaction speed.
- Potential Anticipated Claim(s): Claims 1, 7, and 13, particularly the aspects of monitoring an active session for targeted marketing content, real-time transmission of marketing content, and using user responses (acceptance, rejection) to determine further information. This patent directly addresses personalized marketing at ATMs.
US20060218061A1 - Integrated financial services platform
- Full Citation: US20060218061A1
- Publication Date: 2006-09-28
- Filing Date: 2005-03-25
- Description: This patent describes an integrated financial services platform. The title suggests a system that unifies various financial services, which aligns with the overall goal of US8862508.
- Potential Anticipated Claim(s): Broad aspects of claims 1, 7, and 13 related to a unified system for financial services.
US7606767B1 - Cash dispensing automated banking machine system and communication method
- Full Citation: US7606767B1
- Publication Date: 2009-10-20
- Filing Date: 1996-11-27
- Description: This patent describes a cash dispensing automated banking machine system and communication method. It broadly covers ATM functionality.
- Potential Anticipated Claim(s): General aspects of claims 1, 7, and 13 related to ATM operations within a networked system.
US8121914B1 - Automated banking machine customer profile method
- Full Citation: US8121914B1
- Publication Date: 2012-02-21
- Filing Date: 1996-11-27
- Description: This patent describes an automated banking machine customer profile method. The concept of using customer profiles for personalized services is central to US8862508.
- Potential Anticipated Claim(s): Claims 1, 7, and 13, particularly the storage of customer usage data and user-defined preferences in association with a customer profile.

Non-Patent Citations:

Beirne,Michael, "Using an ATM to hit a bull's eye", Financial Services Online (Jan./Feb. 1998), pp. 1-4.
- Description: This article discusses using ATMs for targeted marketing. While the full content is not provided, the title suggests a focus on using ATMs for marketing, which is a key component of US8862508.
- Potential Anticipated Claim(s): Elements of claims 1, 7, and 13 related to targeted marketing through ATM touch points.
Darling, Greg, "MCIFs get smarter", Credit Union Executive Journal; May/Jun. 2000; v 40, No. 3, pp. 1-5.
- Description: This article likely discusses Marketing Customer Information Files (MCIFs) and their evolution, implying the use of customer data for marketing purposes.
- Potential Anticipated Claim(s): Aspects of claims 1, 7, and 13 related to storing and utilizing customer data for marketing.
Jooss, Ron, "Old dog, new tricks", Credit Union Management, vol. 21, No. 8, (Aug. 1998), pp. 24-27.
- Description: This article's title suggests a discussion about new functionalities or approaches in traditional banking services, potentially including innovations in electronic banking.
- Potential Anticipated Claim(s): General concepts of enhancing banking services through technology, particularly those related to e-banking touch points.

Overall Relevance:

Several prior art documents, particularly US6334110B1, US20030040959A1, and US7039600B1, appear to be highly relevant to US patent 8862508. They collectively demonstrate prior art teaching:

Multi-channel e-banking touch points: ATMs, kiosks, and online banking are mentioned across various citations as existing electronic delivery systems.
Customer data collection and analysis: Several patents discuss capturing customer transaction and interaction data, classifying customers, and building profiles.
Personalized services: Providing differentiated services and personalized user interfaces based on customer preferences is taught.
Targeted marketing: The use of ATMs for selectively providing marketing messages, promotions, and cross-selling opportunities based on customer profiles and real-time interactions is extensively covered.
Real-time interaction with marketing content: Specifically, US7039600B1 mentions receiving immediate feedback from ATM users concerning marketing messages and acting on it during the transaction. US20030040959A1 also describes mechanisms for users to respond to ads immediately.

The comprehensive invalidation of all claims (1-20) in IPR2022-00055 by the PTAB due to obviousness, as noted in the "PTAB challenges" section, further underscores the strength of the prior art in challenging the patentability of the claimed invention. The PTAB specifically found claims 1-20 unpatentable over combinations of prior art including Fei (US 2003/0065563 A1), Hunter et al. (US 7,039,600 B1), Bender et al. (US 6,334,110 B1), Arita et al. (US 2002/0138432 A1), and Kirschner (US 2004/0010597 A1), which are all listed above as highly relevant citations. This aligns with the analysis that these documents likely anticipate or render obvious key aspects of US8862508.