Method and system to predict ATM locations for users

A system, comprising:

• a processor;
• and
• a memory having programming instructions stored thereon, which, when executed by the processor, perform one or more operations comprising:
• retrieving, by a computing system associated with at least one financial institution having an ATM network, historical ATM transaction data for a user of the ATM network, wherein the historical ATM transaction data comprises a user identifier and attributes of a respective ATM associated with each historical ATM transaction executed by that user;
• training, by the computing system using a machine learning module of the computing system, an individualized prediction model to learn and predict individualized ATM habits of the user based on training sets comprising the historical ATM transaction data of the user;
• receiving, by the computing system from a client device associated with the user, a request to locate a target ATM, wherein the request comprises a constraint of a desired ATM, wherein the computing system is in electronic communication with an application installed on the client device for providing location services and real-time electronic dialog messaging services to the computing system, wherein the request is generated by the user using an interface generated on the client device by the application;
• determining, by the computing system and based on the request, the user identifier associated with the user and a location of the client device;
• parsing, by the computing system, the request using a natural language processor (NLP) to output a meaning of the request to the computing system in a format that the computing system can process using the individualized prediction model of the user;
• identifying, by the computing system, a plurality of ATMs proximate the location of the client device based on the constraint, wherein the plurality of identified ATMs are selected from a group comprising financial institution ATMs and third party ATMs;
• generating, by the computing system via the individualized prediction model of the user, a personalized ATM recommendation for the user by:
• interfacing, by the computing system, with each respective ATM of the plurality of ATMs proximate to the location of the client device to identify attributes of each respective ATM;
• and
• comparing, by the computing system, the attributes from each respective ATM of the plurality of ATMs to historical ATM usage statistics of the user;
• and
• interfacing, with the user, via a dialog message session generated on the interface of the client device, to route the user of the client device to the target ATM from the plurality of ATMs based at least partially on the historical ATM usage statistics, wherein the dialog message session comprises a persistent session in which the computing system is configured to respond to questions from the user.

A non-transitory computer readable medium comprising one or more sequences of instructions, which, when executed by one or more processors, causes a computing system to perform operations, comprising:

• retrieving, by the computing system associated with at least one financial institution having an ATM network, historical ATM transaction data for a user of the ATM network, wherein the historical ATM transaction data comprises a user identifier and attributes of a respective ATM associated with each historical ATM transaction executed by that user;
• training, by the computing system using a machine learning module of the computing system, an individualized prediction model to learn and predict individualized ATM habits of the user based on training sets comprising the historical ATM transaction data of the user;
• receiving, by the computing system from a client device associated with the user, a request to locate a target ATM, wherein the request comprises a constraint of a desired ATM, wherein the computing system is in electronic communication with an application installed on the client device for providing location services and real-time electronic dialog messaging services to the computing system, wherein the request is generated by the user using an interface generated on the client device by the application;
• determining, by the computing system and based on the request, the user identifier associated with the user and a location of the client device;
• parsing, by the computing system, the request using a natural language processor (NLP) to output a meaning of the request to the computing system in a format that the computing system can process using the individualized prediction model of the user;
• identifying, by the computing system, a plurality of ATMs proximate the location of the client device based on the constraint, wherein the plurality of identified ATMs are selected from a group comprising financial institution ATMs and third party ATMs;
• generating, by the computing system via the individualized prediction model of the user, a personalized ATM recommendation for the user by:
• interfacing, by the computing system, with each respective ATM of the plurality of ATMs proximate to the location of the client device to identify attributes of each respective ATM;
• and
• comparing, by the computing system, the attributes from each respective ATM of the plurality of ATMs to historical ATM usage statistics of the user;
• and
• interfacing, with the user, via a dialog message session generated on the interface of the client device, to route the user of the client device to the target ATM from the plurality of ATMs based at least partially on the historical ATM usage statistics, wherein the dialog message session comprises a persistent session in which the computing system is configured to respond to questions from the user.