Method and apparatus for providing automated payment

An apparatus comprising:

• at least one processor;
• and
• at least one memory including computer program code for one or more computer programs,
• the at least one memory and the computer program code configured to, with the at least one processor, cause the apparatus to perform at least the following,
• receive a request, at a device, for payment to a merchant, the request including a password;
• retrieve a personal identification number from a user of the device, an identifier associated with the user, a session code, or a combination thereof in response to the request;
• generate an audio token at the device based, at least in part, on the password, the personal identification number, the identifier associated with the user, the session code, or the combination thereof;
• and
• cause, at least in part, conveyance of the audio token to the merchant to initiate the payment.

A method comprising:

• receiving an audio token, from a device, in response to a request for payment;
• decoding the content of the audio token, the content including at least in part, a password associated with the request, a personal identification number of a user of the device, an identifier associated with the user, a session code, or a combination thereof;
• generating a payment authorization request based, at least in part, on the content, a merchant identifier, a point-of-sale identifier, a payment amount, or a combination thereof;
• causing, at least in part, transmission of the payment authorization request to an authorization device to validate the payment;
• and
• receiving a confirmation message, from the authorization device, regarding the payment in response to the transmission.

An apparatus comprising:

• at least one processor;
• and
• at least one memory including computer program code for one or more computer programs,
• the at least one memory and the computer program code configured to, with the at least one processor, cause the apparatus to perform at least the following,
• receive an audio token, from a device, in response to a request for payment;
• decode the content of the audio token, the content including at least in part, a password associated with the request, a personal identification number of a user of the device, an identifier associated with the user, a session code, or a combination thereof;
• generate a payment authorization request based, at least in part, on the content, a merchant identifier, a point-of-sale identifier, a payment amount, or a combination thereof;
• cause, at least in part, transmission of the payment authorization request to an authorization device to validate the payment;
• and
• receive a confirmation message, from the authorization device, regarding the payment in response to the transmission.