A wearable device with an embedded keepsake, said apparatus comprising at least a transparent enclosure forming a keepsake housing; said housing filled with a pulverized expression of the keepsake for display via the transparent housing; and the filled keepsake housing embedded within any portion of the wearable device.

A method is disclosed for conducting a transaction between a computing device and an access device. A server computer may be utilized to facilitate data exchanges between the computing device and the access device. These data exchanges may utilize high-frequency sound signals. The server computer may encrypt at least some portion of data that is then transmitted to the access device via the computing device. The server computer may verify data received from the access device prior to generating and transmitting an authorization request message for the transaction.

A device and associated methods for entering a PIN via tapping are disclosed. The device can be configured to determine a number of taps provided by a PIN holder on a touch sensor in representation of a PIN digit and to store the number of taps as a digit in a sequence that represents the PIN. Indications for interaction with the device can be provided to PIN holders in the form of auditory cues. A visually impaired PIN holder may be able to complete a PIN entry process by following the indications for interaction, tapping on a touch sensor a number of times equal to the value of the digit of the PIN to be entered, and performing gestures mapped to commands for the device.

A method and a system are provided for secure payment card transactions using a voice enabled device. The user device encodes a tokenized payment card transaction into an inaudible soundwave and emits the soundwave via a speaker to the voice enabled device. The voice enabled device, while in a listening state, detects the inaudible soundwave via a microphone. The voice enabled device decrypts the inaudible soundwave and transmits the decrypted tokenized payment for downstream processing by the payment card system.

Embodiments of the invention are directed to systems, methods, and computer program products for convenient resource transfer initiation and execution. The invention is directed to a specific device, communication process, and backend processing approach which allows users to communicate through one or more channels of communication in order to send and receive information relevant to available resource transfer recipients or senders. Via voice communication, the invention allows the user to conduct a hands-free resource transfer initiation to nearby eligible users and devices which are intelligently and automatically identified and verified by the system described herein.

A method is disclosed. The method includes forming a local data connection between a mobile communication device comprising a voice assistant module, and an access device in an interaction. The method also includes receiving, by the mobile communication device, a voice command with a request for the access device to automatically provide a resource to a user of the mobile communication device.

During audio pairing with a broadcaster computing device, a receiver computing device receives audio token data broadcast by the broadcaster computing device via audio communication channels and displays a broadcaster computing device status category to the user via a graphical user interface. In some examples, the receiver computing device receives audio token and determines a broadcaster computing device status category based on determining results of a CRC on the received audio token data. In other examples, the receiver computing device determines a signal score for the received audio token data and determines a broadcaster computing device status category based on the value of the signal score as compared to low and high threshold signal scores determined by an account management system based on aggregate signal score data received from multiple receiver computing devices of a same model as the receiver computing device.

A first device listens for a communication token across an audio bandwidth covering a transmit frequency one or more audio frequency broadcasting device. The first device receives at least one token broadcast from the one or more broadcasting devices. The first device demodulates and decodes each received token. One or more computing devices validates each decoded token. The first device determines, based on the validating, a broadcasting device of the broadcasting devices with which to establish a communications channel. The one or more computing devices generates a response token based on the token received from the determined device. The first device broadcasts the generated response token in a response band of the determined device. The determined device demodulates decodes, and validates the token broadcast from the first device. Upon determining the token broadcast from the first device valid, the first device and the determined device establish a wireless communication channel.

The invention relates to an electronic transaction method. The method comprises carrying out an initiation communication between a terminal device and a mobile device, and carrying out an electronic transaction on the basis of the initiation communication between the terminal device and the mobile device. The initiation communication between the terminal device and the mobile device is a unidirectional communication in which initiation data is transmitted from the terminal device to the mobile device. The invention furthermore relates to a terminal device for use in an electronic transaction method, and to a transaction application for a mobile device for use in an electronic transaction method.

A voice controlled (VC) system for onboarding users and exchanging data in real-time over a network is provided. The VC system includes at least one data controller (DC) computing device in communication with at least one voice controlled (VC) computing device. The DC computing device is configured to receive transaction data and voice controlled (VC) data, parse the transaction data and the VC data, and perform a look up in a database using the parsed transaction data and VC data. The VC system is also configured to compare the transaction data and the VC data to stored data, and verify the transaction data and the VC data by matching the transaction data and the VC data to the stored data. The VC system is further configured to generate a message based on the matched data, and transmit the message to a merchant associated with the verified data.