Transaction plan management

Patent metadata

Field	Value
Publication number	US-10825307-B1
Application number	US-201916450258-A
Country	US
Kind code	B1
Filing date	Jun 24, 2019
Priority date	Jun 24, 2019
Publication date	Nov 3, 2020
Grant date	Nov 3, 2020

Abstract

Aspects of the present invention disclose a method for determining and providing notifications regarding ATMs that can fulfill a transaction plan of a user. The method includes one or more processors determining a transaction plan for a user, the transaction plan including a schedule of future transactions of the user based on historical user data and user-provided information, wherein the determined transaction plan includes a forecast future withdrawal amount and corresponding time. The method further includes one or more processors identifying an automated teller machine (ATM) preferred by the user. The method further includes one or more processors determining whether the ATM preferred by the user can fulfill the determined transaction plan. In response to determining that the ATM preferred by the user cannot fulfill the determined transaction plan, the method further includes determining one or more alternate ATMs that can fulfill the determined transaction plan.

First claim

What is claimed is:

1. A method comprising:
determining, by one or more processors, a transaction plan for a user, the transaction plan including a schedule of future transactions of the user based on historical user data and user-provided information, wherein the determined transaction plan includes a forecast future withdrawal amount and corresponding time and wherein determining a transaction plan for a user further comprises:
determining, by one or more processors, whether the user has deviated from the determined transaction plan based on completed transactions of the user;

identifying, by one or more processors, an automated teller machine (ATM) preferred by the user;
determining, by one or more processors, whether the ATM preferred by the user can fulfill the determined transaction plan, based on analyzing a current resource supply of the ATM preferred by the user in relation to aggregated transaction plans from one or more other users, the aggregated transaction plans indicating use of the ATM preferred by the user; and
in response to determining that the ATM preferred by the user cannot fulfill the determined transaction plan, determining, by one or more processors, one or more alternate ATMs that can fulfill the determined transaction plan.

2. The method of claim 1 , further comprising:
providing, by one or more processors, a notification to the user, the notification including at least a recommendation to utilize the determined one or more alternate ATMs.

3. The method of claim 1 , further comprising:
in response to determining that the user has deviated from the determined transaction plan, determining, by one or more processors, an updated transaction plan for the user based on the completed transactions, the updated transaction plan including an updated forecast future withdrawal amount and corresponding time.

4. The method of claim 1 , wherein determining whether the ATM preferred by the user can fulfill the determined transaction plan further comprises:
analyzing, by one or more processors, a current resource supply of the ATM preferred by the user and historical usage data for the ATM preferred by the user.

5. The method of claim 1 , wherein determining one or more alternate ATMs that can fulfill the determined transaction plan further comprises:
analyzing, by one or more processors, a respective current resource supply of a plurality of candidate alternate ATMs and historical usage data for the plurality of candidate alternate ATMs.

6. The method of claim 1 , wherein determining one or more alternate ATMs that can fulfill the determined transaction plan further comprises:
identifying, by one or more processors, at least one candidate alternate ATM that is on a travel path associated with the user.

7. The method of claim 1 , wherein determining one or more alternate ATMs that can fulfill the determined transaction plan further comprises:
retrieving, by one or more processors, sensor data from a plurality of candidate alternate ATMs, the sensor data including current resource supply data for respective ATMs of the plurality of candidate alternate ATMs.

8. A computer program product comprising:
one or more computer readable storage media and program instructions stored on the one or more computer readable storage media, the program instructions comprising:
program instructions to determine a transaction plan for a user, the transaction plan including a schedule of future transactions of the user based on historical user data and user-provided information, wherein the determined transaction plan includes a forecast future withdrawal amount and corresponding time and wherein program instructions to determine a transaction plan for a user further comprise program instructions to:
determine whether the user has deviated from the determined transaction plan based on completed transactions of the user;

program instructions to identify an automated teller machine (ATM) preferred by the user;
program instructions to determine whether the ATM preferred by the user can fulfill the determined transaction plan, based on analyzing a current resource supply of the ATM preferred by the user in relation to aggregated transaction plans from one or more other users, the aggregated transaction plans indicating use of the ATM preferred by the user; and
in response to determining that the ATM preferred by the user cannot fulfill the determined transaction plan, program instructions to determine one or more alternate ATMs that can fulfill the determined transaction plan.

9. The computer program product of claim 8 , further comprising program instructions, stored on the one or more computer readable storage media, to:
provide a notification to the user, the notification including at least a recommendation to utilize the determined one or more alternate ATMs.

10. The computer program product of claim 8 , further comprising program instructions, stored on the one or more computer readable storage media, to:
in response to determining that the user has deviated from the determined transaction plan, determine an updated transaction plan for the user based on the completed transactions, the updated transaction plan including an updated forecast future withdrawal amount and corresponding time.

11. The computer program product of claim 8 , wherein the program instructions to determine whether the ATM preferred by the user can fulfill the determined transaction plan further comprise program instructions to:
analyze a current resource supply of the ATM preferred by the user and historical usage data for the ATM preferred by the user.

12. The computer program product of claim 8 , wherein the program instructions to determine one or more alternate ATMs that can fulfill the determined transaction plan further comprise program instructions to:
analyze a respective current resource supply of a plurality of candidate alternate ATMs and historical usage data for the plurality of candidate alternate ATMs.

13. A computer system comprising:
one or more computer processors;
one or more computer readable storage media; and
program instructions stored on the computer readable storage media for execution by at least one of the one or more processors, the program instructions comprising:
program instructions to determine a transaction plan for a user, the transaction plan including a schedule of future transactions of the user based on historical user data and user-provided information, wherein the determined transaction plan includes a forecast future withdrawal amount and corresponding time and wherein program instructions to determine a transaction plan for a user further comprise program instructions to:
determine whether the user has deviated from the determined transaction plan based on completed transactions of the user;

program instructions to identify an automated teller machine (ATM) preferred by the user;
program instructions to determine whether the ATM preferred by the user can fulfill the determined transaction plan, based on analyzing a current resource supply of the ATM preferred by the user in relation to aggregated transaction plans from one or more other users, the aggregated transaction plans indicating use of the ATM preferred by the user; and
in response to determining that the ATM preferred by the user cannot fulfill the determined transaction plan, program instructions to determine one or more alternate ATMs that can fulfill the determined transaction plan.

14. The computer system of claim 13 , further comprising program instructions, stored on the computer readable storage media for execution by at leas

Assignees

• IBM

Inventors

• Bhuvad Mandar Dattatraya
• Shreemali Nitesh Jankilal
• Raghunath Sreenath
• Tumbde Manish Madhukarrao
• Padmanabhan Girish

Classifications

• G07F19/209

  Monitoring, auditing or diagnose of functioning of ATMs · CPC title

• G06Q20/085

  involving remote charge determination or related payment systems · CPC title

• G07F19/211

  Software architecture within ATMs or in relation to the ATM network · CPC title

• G07F19/208

  Use of an ATM as a switch or hub · CPC title

• G07F19/203

  Dispensing operations within ATMs (dispensing in general G07D11/00) · CPC title