Abstract: Methods and systems for providing navigation functionality in a retail location using local positioning technology are presented. In some embodiments, a customer assistance computing platform may receive one or more attributes associated with a beacon signal received by a customer computing device and an identifier associated with the customer computing device. Subsequently, the computing platform may determine an identity of a customer using the customer computing device. The computing platform then may determine a location of the customer using the customer computing device based on the one or more attributes associated with the beacon signal. Thereafter, the computing platform may generate one or more navigation instructions to guide the customer to another location. Then, the computing platform may send the one or more navigation instructions to the customer computing device.

Abstract: Embodiments are directed to systems, methods and computer program products for assigning a level of authentication to an authentication bucket. Embodiments determine a current level of authentication corresponding to a first authentication bucket comprising a plurality of mobile banking functions; collect a set of circumstantial data corresponding with the apparatus; determine a circumstances score based at least in part on the set of circumstantial data; and determine whether the current level of authentication corresponding to the first authentication bucket is appropriate based at least in part on the circumstances score.

Abstract: Embodiments of the invention are directed to a system, method, and a computer program product self-selected user access based on specific authentication types. The system typically including a memory, a processor, and a module configured to receive from a user, a user-selected preference, wherein the user-selected preference comprises one or more authentication types desired by the user; determine a level of authentication from a plurality of levels of authentication are associated with the one or more authentication types associated with the user-selected preference; initiate the presentation of a user interface that enables the user to select one or more application functions, wherein the one or more application functions are associated with the determined level of authentication; receive from a user, a selection of one or more application functions.

Abstract: Embodiments of the invention relate to an invention for accessing a remotely located mobile device of a user based on certain events is provided. The system, method, and computer program product are configured to: (a) monitor one or more transaction involving a transaction vehicle of a user; (b) determine a physical location of a transaction vehicle based at least partially on the one or more transactions; (c) determine a geographic location of a mobile device of the user, wherein the mobile device is associated with the transaction vehicle; (d) determine whether or not the transaction vehicle of the user and the mobile device of the user are co-located; and (e) reconfigure one or more applications accessible to the mobile device or one or more functional features of the mobile device based at least partially on determining that the mobile device and the transaction vehicle of the user are not co-located.

Abstract: Embodiments are directed to systems, methods and computer program products for sorting mobile banking functions into authentication buckets. Embodiments determine, for each of a plurality of mobile banking functions, a corresponding authentication buckets, where each authentication bucket corresponds with a level of authentication.

Abstract: Embodiments of the invention relate to an invention for accessing a remotely located mobile device of a user based on certain events is provided. The system, method, and computer program product are configured to: (a) monitor one or more transaction involving a transaction vehicle of a user; (b) determine a physical location of a transaction vehicle based at least partially on the one or more transactions; (c) determine a geographic location of a mobile device of the user, wherein the mobile device is associated with the transaction vehicle; (d) determine whether or not the transaction vehicle of the user and the mobile device of the user are co-located; and (e) reconfigure one or more applications accessible to the mobile device or one or more functional features of the mobile device based at least partially on determining that the mobile device and the transaction vehicle of the user are not co-located.

Abstract: Systems, apparatus, and computer program products are provided for implementing a wearable computing device having an Optical Head-Mounted Display (OHMD) to automatically determine which individuals within a business environment, such as a retail store, banking center or the like, are established customers. Such a determination of established customer status is conducted without requiring any action on behalf of the individuals/customers currently located within the business environment and can be accomplished when the established customer enters the business location or shortly thereafter. Once established customers are identified, customer indicators are provided within the view of the OHMD, so that a business associate/employee can readily identity which individual within their field of view are established customers.

Abstract: Embodiments of the invention include systems, methods, and computer-program products for enriching appointment calendaring with pre- and post-appointment requirements. In this way, the invention creating an appointment ticket in the user's passbook or calendar for one or more calendared appointments identified in a user's calendar. The system may enrich the saved appointment with information, documents, or the like that may be required for the appointment prior to the appointment occurring. In this way, the system may generate and fill out the necessary documents for the user in preparation for the appointment. Furthermore, the system may enrich the stored appointment data with information post-appointment. For example, the system may incorporate a log of the appointment, follow-up information required, or the like.

Abstract: Embodiments of the invention include systems, methods, and computer-program products for scheduling and affecting appointment calendaring based on perceived user requirements. As such, the invention provides for a smart appointment calendaring based on the automatic and real time analysis of a user's financial information, transaction history, navigation history and the like. The system then identifies one or more relevant specialists and schedules one or more appointments. Based on needs identified from analysis of user information, the invention may create an appointment package for the user. Thus, the system may schedule appointments with one or more specialists based on the user's requirements.

Abstract: The present disclosure describes user self-directed sharing of user data with entities in return for user benefits. Embodiments herein disclosed receive user data, aggregate the user data into user data groups, receive at least one benefit that an entity is willing to offer in exchange for a user data group, associate the benefit with each of the user data groups, provide a user interface to the user, prompt the user for selecting one of the user data groups and the benefit for the selected user data group, receive an indication that the user has selected to share one of the user data groups in exchange for the benefit, provide the user data associated with the selected user data group to the entity associated with the benefit, and provide a notification to the user of the benefit associated with the selected user data group has been associated with the user.

Abstract: Embodiments of the invention relate to systems and methods for facilitating digital wallet transfers. In particular, the embodiments of the invention relate to system configured to create an electronic wallet capable of receiving funds from an online transaction. The system may further cause a mobile device to install a banking application for managing the electronic wallet, wherein the banking application enables a user to create a financial account and transfer funds available to the electronic wallet to the financial account. Based on the user interacting with the banking application, the system creates a financial account capable of receiving funds from the electronic wallet. The system identifies that the electronic wallet has received funds, and based on such identification, the system transfers an amount of funds available to the electronic wallet to the financial account.

Abstract: Embodiments of the invention include systems, methods, and computer-program products for scheduling and affecting appointment calendaring based on user application navigation. As such, the invention provides for a smart appointment calendaring based on the portion of an application that the user is viewing. For example, if the user is in a credit card section of the application, the invention may identify this location and prompt an appointment to be set up with a credit card specialist. Furthermore, in some embodiments, the invention allows the user to add a voice message to set up the appointment, thus analysis of the voice message may be performed by the invention systems to match the user with the most appropriate specialist. Based on needs identified from application navigation, the invention may create an appointment package for the user. Thus, the system may schedule appointments with one or more specialists based on the user's needs.

Abstract: Embodiments of the invention include systems, methods, and computer-program products for scheduling and affecting appointment calendaring based on dependencies. As such, the invention provides for a dynamic appointment calendaring based on changes in the user's location. The dependencies comprise current and potential future locations and times of a user. The invention continuously monitors the calendars of the user on one or more devices. Further, the invention determines a change in existing appointments or cancellation of an appointment such that the user is newly available at certain time or determines a change in current and potential future locations of the user. Subsequently, the invention then evaluates one or more upcoming future appointments of the user with the financial institution specialists and ascertains the appointment details. The invention then automatically, schedules one or more new appointments at a new time and/or location with relevant specialists.

Abstract: Embodiments are directed to systems, methods and computer program products for sorting mobile banking functions into authentication buckets. Embodiments determine, for each of a plurality of mobile banking functions, a corresponding authentication buckets, where each authentication bucket corresponds with a level of authentication.

Abstract: The present invention includes a system for authenticating a second action based on a first action, wherein the system is configured to: receive a first request to execute a first action associated with a first application; determine that execution of the first action requires user authentication; request one or more authentication credentials from the user; receive a first authentication credential associated with the first action; validate the first authentication credential, thereby resulting in a successful validation of the received first authentication credential; in response to the successful validation, execute the first action; receive a second request to execute a second action associated with a second application; determine that execution of the second action requires user authentication; use the successful validation of the first authentication credential to validate a second authentication credential so that the second action may be executed.

Abstract: Embodiments of the present invention relate to apparatuses, systems, methods and computer program products for determining impact retirement scores and identifying solutions to aid a user in retirement planning. In one embodiment, a system comprises at least one processing device configured to receive retirement information of a primary user, calculate a retirement score based on a primary user profile, determine relationships of the primary user and hence determine a plurality of secondary users. Further, the at least one processing device is configured to generate user profiles for the secondary users and analyze the user profiles to determine if the secondary users affect the primary user's retirement score. The system then determines the impact retirement score for the primary user, wherein the impact retirement score is an estimate of the primary user's preparedness for the impact of the secondary users on the primary user's retirement.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for performing a stress test on a retirement plan. The system is configured to calculate a retirement score for a retirement plan of a user based on one or more parameters; determine one or more life events likely to occur for the user; perform a stress test on the retirement plan of the user to determine whether the retirement plan is capable of withstanding the one or more life events; provide recommendations to the user if the retirement plan of the user is not capable of withstanding the one or more life events.

Abstract: Systems, apparatus, and computer program products provide for monitoring an area within or proximate to a place of business for digital signatures of mobile communication devices, such as cellular devices or wearable communication devices. The captured digital signatures are then matched to digital signatures associated with existing customers of the business to determine the presence of the existing customer within or proximate to the place of business. Once the presence of the existing customer within or proximate to the business is known, the business can access other relevant information, such as customer profile information, prior transaction/interaction information or the like to enhance the customer's current interaction with the business. Moreover, once the presence of the existing customer is known, location determining mechanisms may implemented to track the location of the known customer within or proximate to the place of business for the purpose of positively identifying the known customer.

Abstract: The present invention includes a system for authenticating a second action based on a first action, wherein the system is configured to: receive a first request to execute a first action associated with a first application; determine that execution of the first action requires user authentication; request one or more authentication credentials from the user; receive a first authentication credential associated with the first action; validate the first authentication credential, thereby resulting in a successful validation of the received first authentication credential; in response to the successful validation, execute the first action; receive a second request to execute a second action associated with a second application; determine that execution of the second action requires user authentication; use the successful validation of the first authentication credential to validate a second authentication credential so that the second action may be executed.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for performing preliminary steps of a transaction on a mobile device. In some embodiments, a system is configured to: determine a user has entered a facility, wherein the user has a mobile device, and wherein the user is waiting to interact with at least one of an agent at or away from the facility or a computing device at the facility; communicate with the mobile device to determine a reason for the user's visit to the facility, the reason comprising a transaction intended to be executed by the user at the facility; transmit a form to the user's mobile device, the form being based on the intended transaction, and the form prompting the user to input information associated with the intended transaction; receive the user-filled form from the user's mobile device.