Dynamic code payment card verification with cross-channel authentication

A system comprising:

• one or more processors;
• and
• one or more memories storing instructions that, when executed by the one or more processors, cause the system to perform a process comprising:
• receiving, by a first device, a request to display a dynamic code associated with a payment card to complete a transaction,
• in response to receiving the request to display the dynamic code, determining whether a second device of a second user is paired with the first device of a first user via a short-range communication protocol,
• using, by the first device, the short-range communication protocol to determine that the first device is within a distance threshold of the second device;
• in response to determining that the second device is paired with the first device and the first device is within the distance threshold of the second device, displaying the dynamic code on a user interface of the first device or the second device;
• and
• sending, from the first device, a request for authorization of the transaction,
• wherein the request identifies at least the dynamic code,
• wherein the transaction is authorized based on the first device being within the distance threshold of the second device and the dynamic code matching a current dynamic code at a time of the transaction.

A non-transitory computer-readable medium storing instructions that, when executed by a computing system, cause the computing system to perform operations comprising:

• receiving, by a first device, a request to display a dynamic code associated with a payment card to complete a transaction,
• in response to receiving the request to display the dynamic code, determining whether a second device of a second user is paired with the first device of a first user via a short-range communication protocol,
• using, by the first device, the short-range communication protocol to determine that the first device is within a distance threshold of the second device;
• in response to determining that the second device is paired with the first device and the first device is within the distance threshold of the second device, displaying the dynamic code on a user interface of the first device or the second device;
• and
• sending, from the first device, a request for authorization of the transaction,
• wherein the request identifies at least the dynamic code,
• wherein the transaction is authorized based on the first device being within the distance threshold of the second device and the dynamic code matching a current dynamic code at a time of the transaction.