Systems and methods for a virtual cash register

An apparatus, comprising:

• a virtual cash register implemented on a device of a user, the virtual cash register having:
• a registration module structured to facilitate registration of the virtual cash register with the device;
• a detection module structured to:
• receive at least one of an audio cue and a visual cue;
• determine that the at least one of the audio cue and the visual cue corresponds to a trigger indicating a fiat currency-based financial transaction;
• and
• receive audio data using an input component of the apparatus;
• and
• a transaction module structured to extract financial data regarding the fiat currency-based financial transaction from the audio data responsive to the trigger using an audio deciphering process that deciphers sounds in the audio data that correspond to the financial transaction data.

A device, comprising:

• a network interface configured to communicate with a financial computing system via a network;
• input logic for receiving data from an input component of the device associated with a user;
• and
• at least one processor communicably coupled to the input logic, the at least one processor structured to:
• receive a cue from a merchant point-of sale (POS) device;
• determine, via the input logic, that the cue corresponds to a trigger for a potential fiat currency-based financial transaction;
• initiate, by the virtual cash register, an extraction process responsive to the trigger, the extraction process comprising:
• receiving audio data using the input component of the device;
• and
• extracting financial transaction data regarding the potential financial transaction from the audio data without input from the user and using an audio deciphering process that deciphers sounds in the audio data that correspond to the financial transaction data;
• generate a report regarding the financial transaction data corresponding to the audio data;
• and
• transmit the report to the financial computing system via the network.

A device, comprising:

• a location positioning system structured to receive location data indicative of a location of the device of a user;
• and
• a virtual cash register implemented on the device, the virtual cash register comprising:
• a registration module structured to facilitate registration of the virtual cash register with the device;
• a detection module structured to determine that the location data corresponds to a trigger indicating a fiat currency-based financial transaction, the trigger being based on the location data indicating that the device is at or near a merchant location;
• and
• a transaction module structured to perform an extraction process responsive to the trigger, the extraction process comprising:
• receiving audio data using an input component of the device;
• and
• extracting, by the virtual cash register via the user device, financial data regarding the fiat currency-based financial transaction using an audio deciphering process that deciphers sounds in the audio data that correspond to the financial transaction data.