# US 2021/0279712 A1 · Systems and methods generating electronic tokens in response to user location > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2021/0279712 A1 - Document ID: US20210279712A1 - Status: Published application - Kind: A1 - Application number: 17/243,490 - Filed: 2021-04-28 - Published: 2021-09-09 - Earliest claimed: 2017-11-06 - Assignees: Paypal, Inc. - Applicants: PayPal, Inc. - Inventors: Adhish Nayanendu Vyas; Vidit Nayankumar Maniyar - Web page: https://patentgrep.com/patent/US20210279712A1 ## CPC - G06Q 20/3224: {Transactions dependent on location of M-devices} - G06Q 20/3821: {Electronic credentials} - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR ## Abstract A system, including: a non-transitory memory; and one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations including: determining a first physical location of a user; comparing the first physical location to data indicative of network availability; and in response to comparing the first physical location to data indicative of network availability, generating a first electronic token and a second electronic token for a mobile computing device associated with the user. ## Claims ### Claim 1 (canceled) ### Claim 2 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. ### Claim 3 (depends on 2) The method of claim 2, wherein the determining that the user device is approaching the signal-poor venue is based, at least in part, on correlating a direction of movement of the user device from a second physical location of the user device with an event at a third physical location of the signal-poor venue. ### Claim 4 (depends on 2) The method of claim 2, wherein the determining that the user device is approaching the signal-poor venue is based, at least in part, on correlating a destination of the user device as obtained from a navigation app on the user device with an event at a second physical location of the signal-poor venue. ### Claim 5 (depends on 2) The method of claim 2, wherein the determining that the user device is approaching the signal-poor venue is based, at least in part, on correlating historical patterns of movement of the user device with an event at a second physical location of the signal-poor venue. ### Claim 6 (depends on 2) The method of claim 2, wherein the determining that the user device is approaching the signal-poor venue is based, at least in part, on determining that a second physical location of the user is within a threshold distance of the signal-poor venue with a threshold number of other devices that each use a bandwidth of the network signal. ### Claim 7 (depends on 2) The method of claim 2, further comprising: determining, subsequent to generating the plurality of tokens, that the user device is approaching a signal-rich area with an expected good network connectivity; determining, based on the determination that the user device is approaching the signal-rich area, a potential signal connectivity gain; and in response to the determining the potential signal connectivity gain, communicating with the user device to delete unused tokens of the plurality of tokens. ### Claim 8 (depends on 7) The method of claim 7, further comprising: receiving a message from the user device indicating a deletion of the unused tokens; and releasing a hold on funds associated with the unused tokens. ### Claim 9 (depends on 2) The method of claim 2, wherein each of the plurality of tokens comprises: a digital signature of a respective service provider that generated a respective token; and an indication of a respective pre-authorized amount of funds for the respective token. ### Claim 10 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. ### Claim 11 (depends on 10) The user device of claim 10, wherein the communicating the first token with a merchant provider at the signal-poor venue is performed over a Near-Field Communication (NFC). ### Claim 12 (depends on 11) The user device of claim 11, wherein the communicating the first token with a merchant provider at the signal-poor venue is performed over a Quick Response (QR) code indicating to the merchant provider that the service provider pre-authorized funds associated with the first token. ### Claim 13 (depends on 10) The user device of claim 10, wherein the determining that the user device is approaching the signal-poor venue is based, at least in part, on correlating a direction of movement of the user device from a second physical location of the user device with an event at a third physical location of the signal-poor venue. ### Claim 14 (depends on 10) The user device of claim 10, wherein the determining that the user device is approaching the signal-poor venue is based, at least in part, on correlating a destination of the user device based on the transaction application communicating with a navigation app on the user device. ### Claim 15 (depends on 10) The user device of claim 10, wherein the determining that the user device is approaching the signal-poor venue is based, at least in part, on determining that a second physical location of the user is within a threshold distance of the signal-poor venue with a threshold number of other devices that each use a bandwidth of the network signal. ### Claim 16 (depends on 10) The user device of claim 10, determining, subsequent to generating the plurality of tokens, that the user device is approaching a signal-rich area with an expected good network connectivity; determining, based on the determination that the user device is approaching the signal-rich area, a potential signal connectivity gain; and in response to the determining the potential signal connectivity gain, communicating with the service provider to indicate deletion of unused tokens of the plurality of tokens. ### Claim 17 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. ### Claim 18 (depends on 17) The non-transitory machine-readable medium of claim 17, wherein the determining that the user device is approaching the signal-poor venue is based, at least in part, on correlating a destination of the user device as obtained from a navigation app on the user device with an event at a second physical location of the signal-poor venue. ### Claim 19 (depends on 17) The non-transitory machine-readable medium of claim 17, wherein the determining that the user device is approaching the signal-poor venue is based, at least in part, on correlating a direction of movement of the user device from a second physical location of the user device with an event at a third physical location of the signal-poor venue. ### Claim 20 (depends on 17) The non-transitory machine-readable medium of claim 17, wherein the determining that the user device is approaching the signal-poor venue is based, at least in part, on determining that a second physical location of the user is within a threshold distance of the signal-poor venue with a threshold number of other devices that each use a bandwidth of the network signal. ### Claim 21 (depends on 17) The non-transitory machine-readable medium of claim 17, wherein the operations further comprise: determining, subsequent to generating the plurality of electronic tokens, that the user device is approaching a signal-rich area with an expected good network connectivity; determining, based on the determination that the user device is approaching the signal-rich area, a potential signal connectivity gain; and in response to the determining the potential signal connectivity gain, communicating with the user device to delete unused electronic tokens of the plurality of electronic tokens.