Systems and methods generating electronic tokens in response to user location

A method comprising:

• determining a first physical location of a user device, the user device executing a transaction application;
• determining that a network signal strength of the user device at the first physical location is above a threshold, the network signal strength above the threshold indicating that the user device can communicate with a service provider that processes transactions;
• determining that the user device is approaching a signal-poor venue with an expected loss of network connectivity;
• determining, based on the determination that the user device is approaching a signal-poor venue with the network signal strength below the threshold, a potential signal connectivity loss;
• in response to the determining the potential signal connectivity loss, generating a plurality of tokens for a transaction using the transaction application;
• and
• provide the plurality of tokens to the user device for use at the transaction application to initiate the transaction without communicating with the service provider during transaction processing at the user device.

A user device, comprising:

• a non-transitory memory storing instructions;
• and
• a processor configured to execute the instructions to cause the user device to:
• execute a transaction application for performing transactions with one or more merchant providers the transactions for processing by a service provider;
• communicate with a location service provider to determine a first physical location of the user device;
• determine that a network signal strength of the user device at the first physical location is above a threshold;
• communicate with the location service provider to determine a second physical location of the user device;
• determining a potential signal connectivity loss at a signal-poor venue, based on the second physical location of the user device with an expected loss of network connectivity;
• in response to the determining the potential signal connectivity loss, generating a plurality of tokens for a transaction using the transaction application;
• communicate with the service provider to indicate the generation of the plurality of tokens at the user device;
• and
• communicate a first token with a merchant provider at the signal-poor venue, the communication of the first token without connectivity with the service provider.

A non-transitory machine-readable medium having instructions stored thereon, the instructions executable to cause performance of operations comprising:

• determining a first physical location of a user device, the user device executing a transaction application;
• determining that a network signal strength of the user device at the first physical location is above a threshold, the network signal strength above the threshold indicating that the user device can communicate with a service provider that processes transactions;
• determining that the user device is approaching a signal-poor venue with an expected loss of network connectivity;
• determining, based on the determination that the user device is approaching a signal-poor venue with the network signal strength below the threshold, a potential signal connectivity loss;
• in response to the determining the potential signal connectivity loss, generating a plurality of electronic tokens for a transaction using the transaction application;
• and
• provide the plurality of electronic tokens to the user device for use at the transaction application to initiate the transaction without communicating with the service provider during transaction processing at the user device.