NEAR SOUND COMMUNICATION (NSC) PAYMENT SYSTEM

摘要

Systems, methods, apparatuses, and computer-readable media for using near sound communication (NSC) functionalities to complete transactions are presented. According to one or more aspects, a payment server may receive a data message from a payor's telephone, and the data message may include a user-specified password. In response to validating the payor based on the user-specified password, a call may be initiated to the payor's telephone. Subsequently, a unique audio stream may be played over the call. The unique audio stream may be adapted to be captured by a merchant point-of-sale terminal for use in completing a transaction. In some arrangements, the unique audio stream may include encoded information identifying the payor and/or identifying an amount of funds to be paid.

主权项

1. A method comprising:
receiving, at a payment server, a data message from a payor's telephone, the data message including a user-specified password; in response to validating the payor based on the user-specified password, initiating a call to the payor's telephone; and playing a unique audio stream over the call, wherein the unique audio stream is adapted to be captured by a merchant point-of-sale terminal for use in completing a transaction.