CPC G06Q 20/36 (2013.01) [G06Q 20/352 (2013.01); G06Q 20/40 (2013.01)] | 16 Claims |
1. A computer-implemented method, comprising:
receiving, by a computer system, a fund access request from a user device associated with a user, the fund access request being made in connection with a payment transaction;
generating, by the computer system, a tokenized card number based on an actual card account number of the user that substitutes the actual card account number in the payment transaction;
providing, by the computer system, a code to the user device, wherein the code includes the tokenized card number and a numeric or alphanumeric string of values in a separate field from the tokenized card number;
determining, by the computer system, that the numeric or alphanumeric string of values in the code transmitted to the user device matches a numeric or alphanumeric string of values in a field of a code received from a separate computer system;
receiving, by the computer system, location information indicative of a location of the user device;
receiving, by the computer system, a merchant location associated with the payment transaction;
determining, by the computer system, that the location of the user device matches the merchant location;
authenticating, by the computer system, the payment transaction based on the numeric or alphanumeric match and the location match; and
transmitting, by the computer system, the actual card account number to the separate computer system as part of the payment transaction.
|