System employing smart device for secure and authenticated event execution

A computer program product for employing a smart device for secure event execution, the computer program product comprising at least one non-transitory computer readable medium comprising computer readable instructions, the instructions comprising instructions for:

• receiving, via a microphone, a spoken audible request from a user for a transaction with a merchant;
• upon receiving the audible request, determining a digital voice identification code associated with the audible transaction request, wherein the digital voice identification code is determined based on the audible request;
• receiving, from a smart assistant device, the digital voice identification code, a smart assistant device identification code, and one or more transaction tokens;
• validating, via the smart assistant application module, the digital voice identification code associated with the audible transaction request as being associated with the user and establish a secured active session between a mobile device associated with the user over a wireless network to complete the transaction with the merchant;
• receiving, via the smart assistant application module, from the smart assistant device, encrypted transaction details associated with the audible transaction request;
• decrypting the encrypted transaction details associated with the audible transaction request, wherein decrypting the encrypted transaction details is conducted based on a smart device identification code or a predetermined encryption key;
• determining, via the smart assistant application module, a financial instrument of the user for executing the audible transaction request;
• and
• transmitting, via the smart assistant application module, the transaction details and information about the determined financial instrument of the user for executing the audible transaction request to a financial institution server for execution of a transaction associated with the audible transaction request with the merchant via a separate channel.

A computer implemented method for employing a smart device for secure event execution, said computer implemented method comprising:

• providing a computing system comprising a computer processing device and a non- transitory computer readable medium, where the computer readable medium comprises configured computer program instruction code, such that when said instruction code is operated by said computer processing device, said computer processing device performs the following operations:
• receiving, via a microphone, a spoken audible request from a user for a transaction with a merchant;
• upon receiving the audible request, determining a digital voice identification code associated with the audible transaction request, wherein the digital voice identification code is determined based on the audible request;
• receiving, from a smart assistant device, the digital voice identification code, a smart assistant device identification code, and one or more transaction tokens;
• validating, via the smart assistant application module, the digital voice identification code associated with the audible transaction request as being associated with the user and establish a secured active session between a mobile device associated with the user over a wireless network to complete the transaction with the merchant;
• receiving, via the smart assistant application module, from the smart assistant device, encrypted transaction details associated with the audible transaction request;
• decrypting the encrypted transaction details associated with the audible transaction request, wherein decrypting the encrypted transaction details is conducted based on a smart device identification code or a predetermined encryption key;
• determining, via the smart assistant application module, a financial instrument of the user for executing the audible transaction request;
• and
• transmitting, via the smart assistant application module, the transaction details and information about the determined financial instrument of the user for executing the audible transaction request to a financial institution server for execution of a transaction associated with the audible transaction request with the merchant via a separate channel.