BACKGROUND

Changing weather patterns, political unrest, and burden on natural resources by a burgeoning global population have resulted in many disaster events, including natural disasters, terrorist attacks, and health emergencies to name a few. Users of a financial institution (e.g., customers and employees of the financial institution) may find themselves at or close to an event geolocation, which may be associated with a geographical area significantly impacted by the event. The users are often notified of the event or seriousness (e.g., scale of impact) thereof when the event is very close to happening or has already occurred. Most users wait until such an event has occurred before attempting to purchase basic amenities and supplies (e.g., food, water, medicine, batteries, baby supplies, etc.). This creates a huge demand on retailers and other suppliers of such products. As witnessed during recent natural disasters, for example, hurricanes Harvey, Irma, Maria, Katrina, Sandy, the California wildfires, the Louisiana flooding, the Las Vegas shooting, etc., product supplies during such events often dwindle due to high demand, leaving many users unable to obtain products when most needed. Furthermore, many transportation routes may be blocked, preventing the users from traveling to locations where the products can be obtained. The transportation issues can also cause delayed access to the user from first responders. Limited access to the products may further exacerbate the situation, and may result in serious physical harm to the user and/or the family of the user. Furthermore, first responders and deliverers of goods and services may have a difficult time locating the users due to uncertainty of the users' locations during disasters, because the users may be at shelters or safe areas rather than in their own homes or at their places of employment.

SUMMARY

Arrangements described herein relate generally to systems, apparatuses, and methods for initiating and processing an event-based automatic transaction on behalf of a user without user input to initiate and process the event-based automatic transaction, if it is determined that a user geolocation is at or within a proximity of an event geolocation, so as to purchase products on behalf of the user, and to deliver thereto.

In some arrangement, a method of making an event-based automatic transaction on behalf of a user includes receiving, by a financial institution computing system from an external notification system, an event message including information about an event. The financial institution computing system determines from the event message, at least one of a probability of the event occurring and the event has occurred. In response to at least one of the probability of the event occurring being above a predetermined threshold or the event having already occurred, the financial institution computing system determines from the event message, an event geolocation impacted by the event. The financial institution computing system determines a user geolocation of the user. In response to determining that the user geolocation is at the event geolocation, an event-based automatic transaction is initiated without user input on behalf of the user, by the financial institution computing system.

In some arrangements, a financial institution computing system includes a network interface structured to facilitate data communication via a network, and a memory. The financial institution computing system also includes a processing circuit including a processor. The processing circuit is configured to receive, from an external notification system, an event message including information about an event. The processing circuit determines, from the event message, at least one of a probability of the event occurring and the event has occurred. In response to at least one of the probability of the event occurring being above a predetermined threshold and the event having occurred, an event geolocation impacted by the event is determined. A user geolocation of the user is also determined. In response to determining that the user geolocation is at the event geolocation, the processing circuit initiates an event-based automatic transaction without user input on behalf of the user.

In some arrangements, a non-transitory processor-readable medium having processor-readable instructions stored thereon, such that when executed by a processor of a financial institution computing system, cause the financial institution computing system to perform operations. The operations comprise receiving, from an external notification system, an event message including information about an event from the event message, at least one of a probability of the event occurring and the event has occurred is determined. In response to at least one of the probability of event occurring being above a predetermined threshold or the event having occurred, an event geolocation impacted by the event is determined. Furthermore, a user geolocation of the user is determined. In response to the user geolocation being at the event geolocation, an event-based automatic transaction is initiated without user input on behalf of the user.

In some arrangements, a method of making an event-based automatic transaction on behalf of a user comprises sending, from a financial institution computing system to a user device associated with the user, a request message for enrolling in an event-based automatic transaction program before an event has occurred. A request message is received, by the user device. In response to the user enrolling in the event-based automatic transaction program, information about the user is added, by the financial institution computing system to an event transaction database. The financial institution computing system determines whether the event is about to occur. In response to the determining that the event is about to occur, the financial institution computing system determines an event geolocation impacted by the event. A user geolocation of the user is determined by the financial institution computing system. The financial institution computing system determines whether the user geolocation is at the event geolocation. In response to the user geolocation being at the event geolocation and the user having enrolled in the event-based transaction program, the event-based automatic transaction is initiated by the financial institution computing system on behalf of the user without user input.

In some arrangements, a method of making an event-based automatic transaction on behalf of a user comprises determining an event geolocation impacted by an event. Based on a user device geolocation received from a user device of the user, the user is at the event geolocation is determined. In response to determining that the user is at the event geolocation, the event-based automatic transaction is automatically initiated and processed to digitally purchase goods or services on behalf of the user.

It should be appreciated that all combinations of the foregoing concepts and additional concepts discussed in greater detail below (provided such concepts are not mutually inconsistent) are contemplated as being part of the subject matter disclosed herein. In particular, all combinations of claimed subject matter appearing at the end of this disclosure are contemplated as being part of the subject matter disclosed herein.

