| CPC G06Q 20/4015 (2020.05) [G06Q 20/3821 (2013.01); G06Q 20/4016 (2013.01)] | 20 Claims |
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1. A system comprising:
a payment service provider server;
a non-transitory memory storing instructions that when executed by the payment service provider server, cause the payment service provider server to perform operations comprising:
receiving sensor data from a sensor at a location of a merchant;
receiving a purchase request for at least one of a good or a service from a server of the merchant over a communication network;
generating a payment token based on the purchase request;
defining a proximity condition indicating a threshold distance between a user device and the location of the merchant before the payment token is provided to the server of the merchant;
associating a risk condition with the defined proximity condition;
receiving, from a position system within the user device over the communication network, location information of the user device;
determining that the received location information of the user device has satisfied the proximity condition based on comparing the received location information of the user device to the threshold distance;
determining that the risk condition is satisfied based on the received sensor data; and
in response to determining that the user device has satisfied the proximity condition and the associated risk condition, providing the payment token to the server of the merchant over the communication network.
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