Importance

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Abstract

Omni-Channel experiences provide convenience to consumers by allowing the consumer to start and complete a transaction on a channel that is most convenient to them. This can entail a transaction being shared across two or more channels, or between a consumer and a staff member. Embodiments herein provide an infrastructure that allows a transaction to be shared in (near) real-time across channels allowing a cooperative, responsive experience that can be used to improve a number of consumer experiences. Note that in some embodiments a channel is a communication channel, device, application, or app through which a consumer is able to communicate, such as with a teller, clerk, other customer such as a spouse or child, a support desk, an automated teller, and the like.

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First Claim