Abstract: The present invention is directed to apparatuses, methods, and computer-program products for a multipurpose wearable device that is associated with one or more financial accounts wherein, in use, the wearable device is configured to facilitate a financial transaction using at least one of the one or more financial accounts. The wearable device comprises: a wearable article, wherein the wearable article comprises one or more features securing the wearable article to a person or an item associated with the person; and a portion comprising a machine-readable indicia, wherein the machine-readable indicia, when successfully read, provides payment information for conducting a financial transaction.

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 is directed to an apparatus, a method, and a computer program product for authenticating a user based on a sequence of rhythmic inputs. The user via a mobile device provides one or more inputs (e.g., pushing a button, tapping a touchscreen, a biometric, or the like) to one or more sensors associated with the mobile device as an attempt of authorization. The one or more inputs may be provided in a rhythmic manner (e.g., provided in time with music). The present invention then compares the provided one or more inputs to one or more predetermined sequences of inputs that are associated with positive authentication of the user (e.g., a known password). The phone determines that the one or more provided inputs match one or more predetermined rhythmic sequences associated with positive authentication of the user and authenticates the user.

Abstract: Embodiments are directed to communicating an operating system-level token for user identification and/or authentication. Embodiments store a token at an operating system-level, wherein the token is accessible by an operating system running on the apparatus, and wherein the token comprises user identification information and/or user authentication information; and in response to an initiating event, initiate communication of the token to a second apparatus external to the apparatus. Some embodiments include initiation of an operation system-level instruction set for periodically, continuously, or in response to detecting a request, initiating communication of the token.

Abstract: The present invention is directed to apparatuses, methods, and computer-program products for a multipurpose wearable device that is associated with one or more financial accounts wherein, in use, the wearable device is configured to facilitate a financial transaction using at least one of the one or more financial accounts. The wearable device comprises: a wearable article, wherein the wearable article comprises one or more features securing the wearable article to a person or an item associated with the person; and a portion comprising a machine-readable indicia, wherein the machine-readable indicia, when successfully read, provides payment information for conducting a financial transaction.

Abstract: Systems, apparatus, methods, and computer program products are provided for a virtual banking experience using a wearable computing device. Embodiments of the invention involve a memory device; and a processing device operatively coupled to a memory; a computing processor; and a module configured to cause the one or more computing processors to receive an indication that the customer desires to initiate a virtual banking session using the OHMD; receive from the customer a selection of a real agent or a virtual agent for conducting the virtual banking session; configure a virtual banking environment comprising one or more virtual objects for facilitating the virtual banking session, wherein the virtual banking environment comprises one or more virtual objects associated with one or more financial institution products and/or services; and implement, via the OHMD, the virtual banking session involving the customer and the customer-selected real agent or the customer-selected virtual agent.

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: Systems, apparatus, and computer program items are provided for presenting budget information in connection with items within a live video stream of an augmented reality display on a mobile communication device. The invention allows the user who customarily comes in to contact with items throughout the day to able to gauge the budget impact of the purchase of such items and/or immediately ascertain whether certain items being considered for purchase are within the limits of a user's budget or a budget category. By automatically providing such information to the user in a highly efficient manner, the user can make informed decisions on whether a purchase is advisable and/or which purchase options are most suitable to the user's budget.

Abstract: Systems, apparatus, and computer program products are provided for security-monitoring at a place of business by automatically determining which individuals within a business location, such as a retail store, banking center or the like, are established customers of the business. Such a determination of established customer status is conducted without requiring any action on behalf of the individuals/customers and may be accomplished proximate in time to the individuals arriving at the business location. Once the established customers have been determined, the present invention provides for attaching customer identifiers to the established customers appearing within a live video stream displayed by the security-monitoring system to thereby create an augmented reality environment within the display.

Abstract: Systems, methods, and computer program products for use by a financial institution employee in a financial institution environment to determine a preferred level of service based on gesture recognition. Embodiments of the invention involve a memory device; and a processing device operatively coupled to a memory; a computing processor; and a module configured to cause the one or more computing processors to: receive from a first device, an input associated with one or more gestures from an employee in a business environment; compare the received input to one or more predetermined gestures stored in a database, wherein the one or more predetermined gestures stored in the database are associated with one or more actions; based on the comparison, determine a match, and execute the one or more actions associated the received input.

Abstract: Embodiments are directed to receiving a token from a wearable device carried by a customer, the token for user authentication based on a visitation pattern of the customer. Embodiments include receive, from the wearable device carried by the customer, the token comprising user authentication information associated with the customer, wherein receiving the token indicates a current visit of the customer to the financial institution location; access, based at least in part on the user authentication information, a visitation history from a customer profile associated with the customer; determine, based at least in part on the visitation history, whether the current visit falls within a recognized visitation pattern; and authenticate, based at least in part on the determination, the customer for performing a transaction at the financial institution location.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for aiding with purchase inquiries through an optical head-mounted display in a wearable computer. An exemplary apparatus is configured to receive information captured by the wearable computer; transmit, to at least one database, the received information including a primary identifier and at least one secondary identifier; retrieve, from at least one database, detailed information related to the first item of interest and the at least one additional item of interest, where the detailed information is associated with the primary identifier and the at least one secondary identifier; and present, on the optical head-mounted display in the wearable computer, the detailed information related to the first item of interest and the at least one additional item of interest, in a comparison format.

Abstract: The present invention is directed to an apparatus, a method, and a computer program product for authenticating a user based on a sequence of rhythmic inputs. The user via a mobile device provides one or more inputs (e.g., pushing a button, tapping a touchscreen, a biometric, or the like) to one or more sensors associated with the mobile device as an attempt of authorization. The one or more inputs may be provided in a rhythmic manner (e.g., provided in time with music). The present invention then compares the provided one or more inputs to one or more predetermined sequences of inputs that are associated with positive authentication of the user (e.g., a known password). The phone determines that the one or more provided inputs match one or more predetermined rhythmic sequences associated with positive authentication of the user and authenticates the user.