Voice interface transaction system using audio signals

A system comprising:

• a processor,
• a tangible, non-transitory memory configured to communicate with the processor,
• the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations comprising:
• generating, by the processor, a transaction request comprising a transaction amount and a merchant identifier;
• invoking, by the processor, an audio signal generator by transmitting the transaction request to the audio signal generator, wherein in response to receiving the transaction request, the audio signal generator is configured to generate an audio signal comprising a header soundwave configured to indicate to a transaction account holder device that the audio signal comprises an audio transaction signal, the header soundwave including a voice assistant awake word, and wherein the audio transaction signal comprises the transaction request;
• invoking, by the processor, a first voice assistant to play the audio signal, wherein the transaction account holder device is configured to:
• detect the header soundwave comprised in the audio signal,
• ingest the audio transaction signal by a second voice assistant in response to a passive listening detection of the voice assistant awake word in the header soundwave,
• wherein in response to detecting the header soundwave and ingesting the audio transaction signal, the transaction account holder device is configured to interact with a payment network to authorize the transaction request, and
• wherein in response to authorizing the transaction request, the payment network is configured to transmit a transaction authorization to the processor;
• and
• completing, by the processor, the transaction request, in response to receiving the transaction authorization from the payment network.

An article of manufacture including a non-transitory, tangible computer readable storage medium having instructions stored thereon that, in response to execution by a computer based system, cause the computer based system to perform operations comprising:

• generating, by the computer based system, a transaction request comprising a transaction amount and a merchant identifier;
• invoking, by the computer based system, an audio signal generator by transmitting the transaction request to the audio signal generator, wherein in response to receiving the transaction request, the audio signal generator is configured to generate an audio signal comprising a header soundwave configured to indicate to a transaction account holder device that the audio signal comprises an audio transaction signal, the header soundwave including a voice assistant awake word, and wherein the audio transaction signal comprises the transaction request;
• invoking, by the computer based system, a first voice assistant to play the audio signal, wherein a transaction account holder device is configured to:
• detect the header soundwave comprised in the audio signal,
• ingest the audio transaction signal by a second voice assistant in response to a passive listening detection of the voice assistant awake word in the header soundwave,
• wherein in response to detecting the header soundwave and ingesting the audio transaction signal, the transaction account holder device is configured to interact with a payment network to authorize the transaction request, and
• wherein in response to authorizing the transaction request, the payment network is configured to transmit a transaction authorization to the computer based system;
• and
• completing, by the computer based system, the transaction request, in response to receiving the transaction authorization from the payment network.