CONDUCTING A FINANCIAL INSTITUTION INTERACTION ACROSS MULTIPLE FINANCIAL INSTITUTION CHANNELS

• US 20110178910A1
• Filed: 03/01/2011
• Published: 07/21/2011
• Est. Priority Date: 01/26/2009
• Status: Abandoned Application

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Ellis, Eric E., Benefield, Stefani R.
• Application Number:
  US13/038,137
• Publication Number:
  US 20110178910A1
• Time in Patent Office: Days
• US Class Current: 705/35
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/06 Asset management; Financial planning or analysis

Abstract

Systems, methods, and computer program products are provide for initiating a financial institution interaction, such as financial solution recommendation interaction or the like, on a first financial institution channel and subsequently seamlessly completing the interaction on a second financial institution channel. The movement of the interaction from one channel to another allows the customer flexibility in completing the interaction and accommodates the customer'"'"'s time constraints. The financial institution channels may include a financial institution banking center channel, an online banking channel, an ATM channel, a mobile application channel, a kiosk channel, a call center channel, a point-of-sale channel or the like.

Claims

1. A method for conducting a financial institution interaction, the method comprising:

receiving, from a first computing device, first inputs associated with a customer initiating a financial institution interaction at a first financial institution channel;

storing, via computing device memory, information related to the first inputs;

synching, via a computing device processor, the financial institution interaction between the first financial institution channel and a second financial institution channel; and

receiving, from a second computing device, second inputs associated with the customer completing the financial institution interaction at the second financial institution channel, wherein the second financial institution channel is a different channel-type than the first channel.

2. The method of claim 1, wherein receiving first inputs further comprises receiving, from the first computing device, the first inputs associated with the customer initiating the financial institution interaction, wherein the financial institution interaction is a financial solution recommendation interaction configured to recommend financial solutions and for the customer to decision financial solutions.

3. The method of claim 1, wherein receiving first inputs further comprises receiving, from the first computing device, the first inputs associated with the customer initiating the financial institution interaction, wherein the financial institution interaction is a loan or account application submittal

4. The method of claim 1, wherein receiving first inputs further comprises receiving, from the first computing device, the first inputs associated with the customer initiating the financial institution interaction, wherein the financial institution interaction is a financial transaction.

5. The method of claim 1, wherein receiving first inputs further comprises receiving, from the first computing device, the first inputs associated with the customer initiating the financial institution interaction at the first financial institution channel, wherein the first financial institution channel is one of a financial institution center channel, an online banking channel, an Automated Teller Machine (ATM) channel, a kiosk channel, a mobile application channel, a call center channel, or a point-of-sale channel.

6. The method of claim 1, wherein receiving second inputs further comprises receiving, from the second computing device, the second inputs associated with the customer completing the financial institution interaction at the second financial institution channel, wherein the second financial institution channel is one of a financial institution center channel, an online banking channel, an Automated Teller Machine (ATM) channel, a kiosk channel, a mobile application channel, a call center channel, or a point-of-sale channel.

7. The method of claim 1, further comprising providing, via a computing device processor, access to the information related to the first inputs in conjunction with completing the financial institution interaction at the second financial institution channel.

8. The method of claim 1, wherein the method provides the customer with seamless transfer of the financial institution interaction from the first financial institution channel to the second financial institution channel.

9. The method of claim 1, further comprising presenting, via the second computing device, the financial institution interaction proximate to a location at which a last-in-time first input was received prior to receiving the second inputs.

10. A system for conducting a financial institution interaction, the system comprising:

a first financial institution channel including a first computing device having a processor configured to receive first inputs associated with a customer initiating a financial institution interaction;

a storage device including a memory unit configured to store information related to the first inputs; and

a second financial institution channel different in channel-type from the first financial institution channel and including a second computing device having a processor configured to receive second inputs associated with the customer completing the financial institution interaction, wherein the financial institution interaction is synched between the first financial institution channel and the second financial institution channel.

11. The system of claim 10, wherein the financial institution interaction is further defined as a financial solution recommendation interaction configured for the customer to decision financial solutions.

12. The system of claim 10, wherein the financial institution interaction is further defined as a loan or account application submittal.

13. The system of claim 10, wherein the financial institution interaction is further defined as a financial transaction.

14. The system of claim 10, wherein the first financial institution channel further comprises one of a financial institution center channel, an online banking channel, an Automated Teller Machine (ATM) channel, a kiosk channel, a mobile application channel, a call center channel, or a point-of-sale channel.

15. The system of claim 10, wherein the second financial institution channel further comprises one of a financial institution center channel, an online banking channel, an Automated Teller Machine (ATM) channel, a kiosk channel, a mobile application channel, a call center channel, or a point-of-sale channel.

16. The system of claim 10, wherein the processor of the second computing device is further configured to access the information related to the first inputs in conjunction with completing the financial institution interaction.

17. The system of claim 10, wherein the system provides the customer with seamless transfer of the financial institution interaction from the first financial institution channel to the second financial institution channel.

18. The system of claim 10 wherein the processor of the second computing deice is further configured to present the financial institution interaction proximate to a location at which a last-in-time first input was received prior to receiving the second inputs.

19. A computer program product, comprising:

a non-transitory computer-readable medium comprising;

a first set of codes for causing a computer to receive, from a first computing device, first inputs associated with a customer initiating a financial institution interaction at a first financial institution channel;

a second set of codes for causing a computer to store, via computing device memory, information related to the first inputs;

a third set of codes for causing a computer to synch the financial institution interaction between the first financial institution channel and a second financial institution channel; and

a fourth set of codes for causing a computer to receive, from a second computing device, second inputs associated with the customer completing the financial institution interaction at the second financial institution channel, wherein the second financial institution channel is a different channel-type than the first channel.

20. The computer program product of claim 19, the first set of codes is further configured to cause the computer to receive first inputs associated with the customer initiating the financial institution interaction, wherein the financial institution interaction is a financial solution recommendation interaction configured to recommend financial solutions and for the customer to decision financial solutions.

21. The computer program product of claim 19, wherein the first set of codes is further configured to cause the computer to receive the first inputs associated with the customer initiating the financial institution interaction, wherein the financial institution interaction is a loan or account application submittal

22. The computer program product of claim 19, wherein the first set of codes is further configured to cause the computer to receive the first inputs associated with the customer initiating the financial institution interaction, wherein the financial institution interaction is a financial transaction.

23. The computer program product of claim 19, wherein the first set of codes is further configured to cause the computer receive the first inputs associated with the customer initiating the financial institution interaction at the first financial institution channel, wherein the first financial institution channel is one of a financial institution center channel, an online banking channel, an Automated Teller Machine (ATM) channel, a kiosk channel, a mobile application channel, a call center channel, or a point-of-sale channel.

24. The computer program product of claim 19, wherein the fourth set of codes is further configured to cause the computer to receive the second inputs associated with the customer completing the financial institution interaction at the second financial institution channel, wherein the second financial institution channel is one of a financial institution center channel, an online banking channel, an Automated Teller Machine (ATM) channel, a kiosk channel, a mobile application channel, a call center channel, or a point-of-sale channel.

25. The computer program product of claim 19, further comprising a fifth set of codes for causing a computer to provide access to the information related to the first inputs in conjunction with completing the financial institution interaction at the second financial institution channel.

26. The computer program product of claim 19, wherein the computer program product provides the customer with seamless transfer of the financial institution interaction from the first financial institution channel to the second financial institution channel.

27. The computer program product of claim 19, further comprising a fifth set of codes for causing a computer to present the financial institution interaction proximate to a location at which a last-in-time first input was received prior to receiving the second inputs.