Systems and methods for dynamically adjusting institutional interactions based on a location routine for a user device

An apparatus for dynamically adjusting institutional interactions with a customer based on location data, the apparatus comprising:

• communications hardware configured to:
• receive a location routine for a user device, wherein the location routine defines predicted locations for the user device in corresponding time windows, and
• receive a current location of the user device;
• location analysis engine configured to:
• determine, based on the current location and the location routine, whether a deviation condition for a candidate deviation event type is satisfied, wherein the deviation condition defines at least one of (a) a frequency of discrepancies between the current location of the user device and predicted locations over a time frame, (b) a deviation duration for a length of time the current location differs from one or more predicted locations, (c) a location type associated with the current location, (d) a maximum distance between the current location and a previous location, (e) a geographic threat assessment requirement for the current location, and (f) a transaction threshold for a predicted location,
• in response to determining that the deviation condition for a candidate deviation event type is satisfied, detect occurrence of a deviation event associated with a deviation event type, and
• update, based on the deviation event type, a customer account associated with the user device, wherein updating the customer account comprises at least one of (a) applying an account restriction, and (b) modifying customer information within the customer account.

A computer program product for dynamically adjusting institutional interactions with a customer based on location data, the computer program product comprising at least one non-transitory computer-readable storage medium storing software instructions that, when executed, cause an apparatus to:

• receive a location routine for a user device, wherein the location routine defines predicted locations for the user device in corresponding time windows;
• receive a current location of the user device;
• determine, based on the current location and the location routine, whether a deviation condition for a candidate deviation event type is satisfied, wherein the deviation condition defines at least one of (a) a frequency of discrepancies between the current location of the user device and predicted locations over a time frame, (b) a deviation duration for a length of time the current location differs from one or more predicted locations, (c) a location type associated with the current location, (d) a maximum distance between the current location and a previous location, (e) a geographic threat assessment requirement for the current location, and (f) a transaction threshold for a predicted location;
• in response to determining that the deviation condition for a candidate deviation event type is satisfied, detect the occurrence of a deviation event associated with a deviation event type;
• and
• update, based on the deviation event type, a customer account associated with the user device, wherein updating the customer account comprises at least one of (a) applying an account restriction, and (b) modifying customer information within the customer account.