Abstract: Embodiments of the present invention provide a persistent integration platform for conducting a multichannel resource transfer. In particular, the system may utilize a multi-step and multilayered authentication process across multiple disparate computing systems to complete the resource transfer process. In some embodiments, the system may utilize a persistent element which may be accessed by the user across multiple devices which aids in the resource transfer. For instance, the resource transfer process may be started on a first computing system, which may be a stationary networked terminal. At this point, a record of the resource transfer may be created within the persistent element. The user may thereafter access the persistent element through a second computing system, such as a user device, to resume the resource transfer and complete the remaining steps as necessary.

Abstract: Embodiments of the present invention provide a persistent integration platform for conducting a multichannel resource transfer. In particular, the system may utilize a multi-step and multilayered authentication process across multiple disparate computing systems to complete the resource transfer process. In some embodiments, the system may utilize a persistent element which may be accessed by the user across multiple devices which aids in the resource transfer. The system may further require the user to authenticate with multiple methods across the multiple devices, which increases the security of the resource transfer process.

Abstract: Embodiments of the present invention provide a persistent integration platform for conducting a multichannel resource transfer. In particular, the system may utilize a multi-step and multilayered authentication process across multiple disparate computing systems to complete the resource transfer process. In some embodiments, the system may utilize a persistent element which may be accessed by the user across multiple devices which aids in the resource transfer. For instance, the resource transfer process may be started on a first computing system, which may be a stationary networked terminal. At this point, a record of the resource transfer may be created within the persistent element. The user may thereafter access the persistent element through a second computing system, such as a user device, to resume the resource transfer and complete the remaining steps as necessary.

Abstract: Embodiments of the present invention provide a persistent integration platform for conducting a multichannel resource transfer. In particular, the system may utilize a multi-step and multilayered authentication process across multiple disparate computing systems to complete the resource transfer process. In some embodiments, the system may utilize a persistent element which may be accessed by the user across multiple devices which aids in the resource transfer. The system may further require the user to authenticate with multiple methods across the multiple devices, which increases the security of the resource transfer process.

Abstract: A method, apparatus, computer-readable medium and system are disclosed for presenting product and service offerings to a user. In some embodiments, dynamic messaging may be used to facilitate comparison shopping, allowing a user to select a product or service that best meets the user's needs. In some embodiments, the terms or conditions associated with an offer may be based on a user's relationship with the product or service provider. For example, accounts that the user has with the provider may be analyzed to determine what terms or conditions the user is eligible for. The accounts may be linked to one another, optionally upon the request of the user, to facilitate the analysis. In some embodiments, the product or service offerings may be associated with a financial institution, such as a bank. Suggested or recommended terms and conditions may be dynamically updated as a user progresses through an application process.