| CPC G06Q 20/3224 (2013.01) [G06Q 20/223 (2013.01); G06Q 20/42 (2013.01); H04W 4/023 (2013.01); H04W 4/027 (2013.01); H04W 12/04 (2013.01); H04W 16/28 (2013.01)] | 20 Claims |
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1. A computing system, comprising:
a network interface and a processing circuit, the network interface structured to facilitate data communication with a plurality of computing devices and identifiers, the processing circuit comprising a processor and a memory, the processing circuit structured to:
receive, from a first computing device operated by a first user, a request to conduct a transaction with a merchant;
verify the transaction, wherein verification comprises:
determining a first distance between the first computing device and a second computing device operated by a second user, based on a first identifier relating to a location of the first computing device and a second identifier relating to a location of the second computing device;
determining that the first distance satisfies a first predetermined distance threshold;
determining a second distance between a third computing device associated with the first user and the first computing device, based on the first identifier and a third identifier relating to a location of the third computing device; and
determining that the second distance satisfies a second predetermined distance threshold; and
approve the transaction based on i) the determination that the first distance between the first computing device and the second computing device satisfies the first predetermined distance threshold, and ii) the determination that the second distance between the third computing device and the first computing device satisfies the second predetermined distance threshold.
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