Patent ID: 9311632
Filing Date: 2016-04-12
CPC Classification: G06Q,G07F

Claim Text:
1. A system for providing customers proximity-triggered notifications for resuming abandoned Automated Teller Machine (ATM) transactions, the system comprising: a distributed computing network; a plurality of automated teller machines (ATM) disposed within the distributed computing network, each machine comprising a first memory and at least one first processor in communication with the first memory, where the first processor is configured to execute a usage-pattern detection routine that is configured to (1) identify a usage-pattern defined by a customer abandoning a transaction previously initiated at the ATM, and (2) in response to identifying the usage-pattern, compile data associated with the usage-pattern, wherein the data includes (i) account information of the customer, (ii) a timestamp and (iii) information related to actions completed by the customer prior to the customer abandoning the transaction; an ATM authorization system comprising one or more apparatus disposed within the distributed computing network, comprising a second memory, at least one second processor in communication with the second memory, and a pending transaction queuing routine that is stored in the second memory, executable by the second processor and configured to (1) receive the data associated with the usage-pattern, (2) transform the data, including the information related to actions completed by the customer prior to the customer abandoning the transaction, to create a pending transaction for the customer, and (3) queue the pending transaction in the ATM authorization system for a predetermined period of time, wherein the pending transaction expires after completion of the predetermined period of time and the start of the predetermined period of time is based on the timestamp of the transaction abandoned by the customer; and a customer management system comprising one or more apparatus disposed within the distributed computing network, comprising a third memory, at least one third processor in communication with the third memory, and a pending transaction customer alert that is stored in the third memory, executable by the third processor and configured to (1) receive a pending transaction notification from the ATM authorization system, (2) during the predetermined period of time, receive a location notification that indicates that the customer is proximate to a location for completing the pending transaction, and (3) in response to receiving the location notification, generate and initiate communication of a customer alert that includes information related to the pending transaction and the location for completing the pending transaction.