Abstract: Embodiments of the invention are directed to a system, method, or computer program product for creating a communicable linkage for information retrieval and notifications between devices. In this way, the invention identifies a mobile device at an entity location. The system may integrate into the mobile device and present an interactive display onto the display of the mobile device, allowing the user to select products/services associated with the entity. Based on the general interaction and selection a user makes via the mobile device, the system identifies the interaction and presents interaction data to the entity representative at the entity location for assisting the user.

Abstract: Proximity-triggered notifications/alerts are communicated to bank customers as a result of a previously abandoned/canceled ATM transaction that has subsequently been pre-queued for completion. In this regard, the present invention recognizes when the customer is proximate in location to a financial institution channel suitable for completing the transaction and sends the customer an alert, which is typically received by the customer via a mobile communication device. The alert indicates that the previous abandoned ATM transaction has been pre-queued for completion and provides the customer with the location of the nearest financial institution channel suitable for completing the transaction. In specific embodiments of the invention, pre-queuing of the transaction for completion provides for the customer to complete the transaction from the last existing point in the transaction completed by the customer.

Abstract: Proximity-triggered notifications/alerts are communicated to bank customers as a result of a previously abandoned/canceled ATM transaction that has subsequently been pre-queued for completion. In this regard, the present invention recognizes when the customer is proximate in location to a financial institution channel suitable for completing the transaction and sends the customer an alert, which is typically received by the customer via a mobile communication device. The alert indicates that the previous abandoned ATM transaction has been pre-queued for completion and provides the customer with the location of the nearest financial institution channel suitable for completing the transaction. In specific embodiments of the invention, pre-queuing of the transaction for completion provides for the customer to complete the transaction from the last existing point in the transaction completed by the customer.

Abstract: The present disclosure describes using wearable to control user account operation. Embodiments herein disclosed receive an operation request from a wearable device of a user to control the operation of at least one account of the user using the wearable device; wherein the operation includes turning on or off the account, placing a limit on a payment for a transaction, and/or the like; wherein the wearable device has one or more sensors configured to gather user data including physiological or movement data, or a combination of both. Embodiments herein disclosed determine whether or not the user is in possession of the wearable device, based on the user data; and grant the operation request to control the operation of the at least one account, based at least partially on the determination of that the user is in possession of the wearable device.

Abstract: The present disclosure describes using wearable presence to maintain account authentication. Embodiments herein disclosed receive an authentication request from a wearable device of a user to initiate a transaction using the wearable device; wherein the wearable device includes one or more sensors configured to gather user data including physiological or movement data, or a combination of both; wherein the authentication request includes a transaction type, a transaction amount, and at least one account to be used via the wearable device for the transaction. Embodiments determine if the user is in possession of the wearable device, based on the user data; and, if so, authenticate the at least one account. Embodiments continuously monitor user data from the wearable device to determine if the user remains in possession of the wearable device; and, if so, maintain authentication to the account, thereby allowing the user to conduct one or more transactions upon authentication.

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: Embodiments of the invention are directed to a system, method, or computer program product for receiving a customization that will be displayed on the screen of an ATM based on a customer initiating a session with the ATM. The customization is associated with a function to perform a financial transaction. The function is performed as a result of the customer interacting with the customization on the screen of the ATM. The customization may be altered based on a handicap impairment of the customer. The displaying of the customization may be restricted for security purposes or as a request of the customer.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for receiving a customization that will be displayed on the screen of an ATM based on a customer initiating a session with the ATM. The customization is associated with a function to perform a financial transaction. The function is performed as a result of the customer interacting with the customization on the screen of the ATM. The customization may be altered based on a handicap impairment of the customer. The displaying of the customization may be restricted for security purposes or as a request of the customer.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for receiving a customization that will be displayed on the screen of an ATM based on a customer initiating a session with the ATM. The customization is associated with a function to perform a financial transaction. The function is performed as a result of the customer interacting with the customization on the screen of the ATM. The customization may be altered based on a handicap impairment of the customer. The displaying of the customization may be restricted for security purposes or as a request of the customer.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for receiving a customization that will be displayed on the screen of an ATM based on a customer initiating a session with the ATM. The customization is associated with a function to perform a financial transaction. The function is performed as a result of the customer interacting with the customization on the screen of the ATM. The customization may be altered based on a handicap impairment of the customer. The displaying of the customization may be restricted for security purposes or as a request of the customer.

Abstract: Systems, apparatus, and computer program products are provided for determining the media format for transferring a customer from customer between specialists and/or from one communication source to another communication source within a customer service outlet, such as a banking center or the like. For example, while a two-way video conference system may be used for communication between a customer and a remote specialist, in certain instances in which the customer requires transfer to another specialist (e.g., a specialist having a different specialty) other media formats, such as one-way live video conference, live audio-only conference, text chat or the like may be implemented.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for receiving a customization that will be displayed on the screen of an ATM based on a customer initiating a session with the ATM. The customization is associated with a function to perform a financial transaction. The function is performed as a result of the customer interacting with the customization on the screen of the ATM. The customization may be altered based on a handicap impairment of the customer. The displaying of the customization may be restricted for security purposes or as a request of the customer.

Abstract: Systems, apparatus, and computer program products are provided for determining the media format for transferring a customer from customer between specialists and/or from one communication source to another communication source within a customer service outlet, such as a banking center or the like. For example, while a two-way video conference system may be used for communication between a customer and a remote specialist, in certain instances in which the customer requires transfer to another specialist (e.g., a specialist having a different specialty) other media formats, such as one-way live video conference, live audio-only conference, text chat or the like may be implemented.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for receiving a customization that will be displayed on the screen of an ATM based on a customer initiating a session with the ATM. The customization is associated with a function to perform a financial transaction. The function is performed as a result of the customer interacting with the customization on the screen of the ATM. The customization may be altered based on a handicap impairment of the customer. The displaying of the customization may be restricted for security purposes or as a request of the customer.

Abstract: Proximity-triggered notifications/alerts are communicated to bank customers as a result of a previously abandoned/canceled ATM transaction that has subsequently been pre-queued for completion. In this regard, the present invention recognizes when the customer is proximate in location to a financial institution channel suitable for completing the transaction and sends the customer an alert, which is typically received by the customer via a mobile communication device. The alert indicates that the previous abandoned ATM transaction has been pre-queued for completion and provides the customer with the location of the nearest financial institution channel suitable for completing the transaction. In specific embodiments of the invention, pre-queuing of the transaction for completion provides for the customer to complete the transaction from the last existing point in the transaction completed by the customer.

Abstract: Proximity-triggered notifications/alerts are communicated to bank customers as a result of a previously abandoned/canceled ATM transaction that has subsequently been pre-queued for completion. In this regard, the present invention recognizes when the customer is proximate in location to a financial institution channel suitable for completing the transaction and sends the customer an alert, which is typically received by the customer via a mobile communication device. The alert indicates that the previous abandoned ATM transaction has been pre-queued for completion and provides the customer with the location of the nearest financial institution channel suitable for completing the transaction. In specific embodiments of the invention, pre-queuing of the transaction for completion provides for the customer to complete the transaction from the last existing point in the transaction completed by the customer.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for communicating customer preferences to an automated teller machine (ATM). In this way, the system receives at least one customer preference for conducting transactions at an ATM and input from the customer indicating the customer's desire to conduct an ATM transaction. In response to receiving the customer input, the system may generate a customer preference communication for receipt by the ATM, wherein the customer preference communication comprises at least of the at least one customer preferences for conducting transactions at an ATM.

Abstract: A method and apparatus that allow a user to easily operate a self-service device despite the presence of damage is provided. Anticipated damage includes extreme environmental conditions such as earthquakes, flooding, strong winds, tsunamis, etc. These conditions may cause a failure in a portion of the self-service device. Improved ruggedness and redundant components are coordinated by suitable software to provide service despite damage to the self-service device. Additionally, access to some user accounts despite the loss of connectivity to a server maintaining user accounts is provided.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for receiving a customization that will be displayed on the screen of an ATM based on a customer initiating a session with the ATM. The customization is associated with a function to perform a financial transaction. The function is performed as a result of the customer interacting with the customization on the screen of the ATM. The customization may be altered based on a handicap impairment of the customer. The displaying of the customization may be restricted for security purposes or as a request of the customer.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for receiving a customization that will be displayed on the screen of an ATM based on a customer initiating a session with the ATM. The customization is associated with a function to perform a financial transaction. The function is performed as a result of the customer interacting with the customization on the screen of the ATM. The customization may be altered based on a handicap impairment of the customer. The displaying of the customization may be restricted for security purposes or as a request of the customer.