US 12,190,329 B2
Payment verification using multi-factor authentication
Scott Parker, Parker, CO (US)
Assigned to DISH Wireless L.L.C., Englewood, CO (US)
Filed by DISH Wireless L.L.C., Englewood, CO (US)
Filed on Jul. 6, 2022, as Appl. No. 17/858,764.
Application 17/858,764 is a continuation of application No. 16/781,561, filed on Feb. 4, 2020, granted, now 11,416,869.
Prior Publication US 2022/0343334 A1, Oct. 27, 2022
Int. Cl. G06Q 20/00 (2012.01); G06Q 20/20 (2012.01); G06Q 20/32 (2012.01); G06Q 20/38 (2012.01); G06Q 20/42 (2012.01); G06Q 40/02 (2023.01); H04L 9/40 (2022.01); H04W 4/029 (2018.01); H04W 12/06 (2021.01); H04W 76/14 (2018.01); H04W 84/04 (2009.01)
CPC G06Q 20/42 (2013.01) [G06Q 20/202 (2013.01); G06Q 20/209 (2013.01); G06Q 20/3223 (2013.01); G06Q 20/3224 (2013.01); G06Q 20/382 (2013.01); G06Q 40/02 (2013.01); H04L 63/08 (2013.01); H04W 4/029 (2018.02); H04W 12/06 (2013.01); H04W 76/14 (2018.02); H04L 2463/082 (2013.01); H04W 84/042 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A system comprising:
a user payment system (UPS);
a point-of-sale system (POS) coupled to the UPS; and
an issuing bank system (IBK), coupled to the UPS and the POS, comprising:
an IBK hardware processor executing IBK non-transient computer executable instructions (IBKIs) which facilitate IBK operations including:
establishing a first fifth generation (5G) wireless connection (5GWC) between the IBK and the UPS;
communicating a query to the UPS;
receiving a first response from the UPS to the query;
wherein the first response includes a current user determined location (UDL);
receiving a POS device location (PDL);
determining whether the UDL corresponds to the PDL; and
approving a given transaction when the UDL corresponds to the PDL.