Proximity-based notification of a previously abandoned and pre-queued ATM transaction

An apparatus for providing customers proximity-triggered notifications for resuming abandoned Automated Teller Machine (ATM) transactions, the apparatus comprising:

• a computing platform including a memory and at least one processor in communication with the memory;
• a usage-pattern detection routine stored in the memory, executable by the processor and configured to (1) identify a usage-pattern at an Automated Teller Machine (ATM), wherein the usage-pattern is 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;
• a pending transaction queuing routine that is stored in the memory, executable by the 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 pending transaction customer alert that is stored in the memory, executable by the 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.

A computer program product comprising:

• a non-transitory computer-readable medium comprising:
• a first set of codes for causing a computer to identify a usage-pattern at an Automated Teller Machine (ATM), wherein the usage-pattern is defined by a customer abandoning a transaction previously initiated at the ATM and 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;
• a second set of codes for causing a computer to 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 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 third set of codes for causing a computer to, 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, 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.