US Patent 11037231 Break the glass for financial access

Examples described herein relate to apparatus and methods for determining access to a financial account held by a customer of a financial institution, including, but not limited to, determining, by a processor of a financial institution computing system, an adverse event that causes death or incapacitation to the customer based on an adverse event message received from a user device associated with the customer, and in response to determining the adverse event, granting, by the processor, the access to the financial account held by the customer to a designee.