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: 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 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: 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: 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 providing a position adaptive Automated Teller Machine (ATM) for customer privacy. In this way, the system senses, via a sensor, characteristics associated with the customer's portion relative to the ATM screen. The characteristics may include the stature of the customer, the relative proximity the customer is to the ATM, eye tracking or the like. Once the characteristics associated with the customer are determined the system may make adjustments via software and/or hardware to the ATM in order to present display information from the ATM in a private manner.

Abstract: Embodiments of the invention are directed to a system, method, and computer program product to check-in for a specialist session. The system typically including a memory, a processor and a module configured to receive an indication that a customer has an appointment scheduled to participate in a specialist session at a business location; determine that a mobile device in possession of the customer is located within a geographic area defined by the business location and encompasses the business location; and in response to determining that the mobile device is located within the geographic area defined by the business location, place the customer in a queue associated with the specialist session.

Abstract: The present invention is directed to apparatuses, methods, and computer program products for implementing a pre-contracted, staged, currency exchange system. Implementation includes receiving travel information from a user; processing the travel information, wherein processing the travel information comprises determining a negotiated currency exchange rate based on the received travel information; generating a contract based on processing the travel information, wherein the contract comprises terms for executing one or more transactions using the negotiated currency exchange rate, wherein the negotiated currency exchange rate is valid for at least one of a predetermined location, a predetermined number of transactions, or a predetermined period of time; and executing one or more transactions using the negotiated currency exchange rate in accordance with the contract terms.

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: Disclosed is an automated teller machine (ATM) configured for processing transaction statement inquiries. The ATM also typically includes a processor, a memory, and a module stored in the memory. The module is typically configured to: receive a first request from a user to view a transaction statement; present the transaction statement on a display associated with the automated teller machine, wherein the transaction statement comprises one or more line items corresponding to one or more transaction associated with the user account; receive a second request from the user to select at least one line item within the transaction statement for inquiry processing; and process at least one action for the at least one line item based at least partially on the second request from the user to select the at least one line item within the transaction statement for inquiry processing.

Abstract: Disclosed is an automated teller machine (ATM) having a display. The ATM also typically includes a processor, a memory, and an ATM application stored in the memory. The ATM application is typically configured for: displaying public information on the display; initiating an ATM session with a user; based on initiating the ATM session with the user, initiating a privacy protocol, the privacy protocol reducing the viewability of at least a portion of the display; receiving user-specific information; and, during the ATM session with the user and based on receiving the user-specific information, displaying the user-specific information on the portion of the display having reduced viewability.

Abstract: Disclosed is an automated teller machine (ATM) that directly communicates with consumer devices to provide privacy. The ATM typically includes a processor, a memory, and a module stored in the memory. The module is typically configured to: initiate an ATM session with a user; associate at least one user mobile computing device with the ATM session; process a first transaction request on behalf of the user during the ATM session; and, in response to processing the first transaction request, initiate an interactive session between the ATM and the user mobile computing device, wherein information associated with the first transaction request is communicated to the user mobile computing device during the interactive session.

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: Systems, apparatus, and computer program products are provided for seamlessly transferring customers from one specialist to another specialist during an ongoing video conferencing communication session. In specific embodiments of the invention, simultaneous communication is provided amongst the customer, the transferor (or first) specialist and the transferee (or second) specialist, prior to the first specialist departing the communication session. In one specific embodiment, simultaneous communication provides for dual screen display, in which the customer views and communicates with both specialists simultaneously, while the specialists view and communicate with the customer and the other specialist.

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: 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.