Systems and methods for providing tokenized transactions accounts

A system, comprising:

• a communications interface;
• at least one processor coupled to the communications interface;
• a memory having computer executable instructions stored thereon that, when executed by the at least one processor, causes the at least one processor to perform the steps of:
• obtaining pending purchase transaction data involving a transaction account, the pending purchase transaction data including a first tokenized transaction account maintained at a client device;
• obtaining location data identifying prior geographic positions of the client device and geographic positions of terminal devices that processed prior purchase transactions involving the transaction account;
• performing operations that update the first tokenized transaction account when a first update condition applies to the pending purchase transaction data and when at least a subset of the prior geographic positions of the client device are inconsistent with the geographic positions of the terminal devices;
• and
• providing the updated first tokenized transaction account data to the client device via the communications interface.

A computer-implemented method, comprising:

• obtaining, by a server device, pending purchase transaction data involving a transaction account, the pending purchase transaction data including a first tokenized transaction account maintained at a client device;
• obtaining, by the server device, location data identifying prior geographic positions of the client device and geographic positions of terminal devices that processed prior purchase transactions involving the transaction account;
• by the server device, performing operations that update the first tokenized transaction account when a first update condition applies to the pending purchase transaction data, and when at least a subset of the prior geographic positions of the client device are inconsistent with the geographic positions of the terminal devices;
• and
• providing, by the server device, the updated first tokenized transaction account data to the client device.

A tangible, non-transitory computer-readable medium having computer executable instructions that, when executed by at least one processor, cause the at least one processor to perform the steps of:

• obtaining pending purchase transaction data involving a transaction account, the pending purchase transaction data including a first tokenized transaction account maintained at a client device;
• obtaining location data identifying prior geographic positions of the client device and geographic positions of terminal devices that processed prior purchase transactions involving the transaction account;
• performing operations that update the first tokenized transaction account when a first update condition applies to the pending purchase transaction data, and when at least a subset of the prior geographic positions of the client device are inconsistent with the geographic positions of the terminal devices;
• and
• providing the updated first tokenized transaction account data to the client device.