Audible transaction process and system

US8738450B2 · kind B2 · utility

Assignee

• Bank of America Corporation · US

Inventors

• Felix Mon · Jacksonville, US
• Robert J. MacKenzie · Enfield, US
• Susan Smith Thomas · Gastonia, US
• Carl Frederick, II · Newark, US
• Jason Michael Ackiss · Matthews, US
• Maile George · Concord, US
• Robert Fleetwood Armstrong · Charlotte, US
• Erik Stephen Ross · Charlotte, US

Key dates

• Filing date: Jan 28, 2010
• Grant date: May 27, 2014
• Expiry date: Sep 6, 2030

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q40/00
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Systems, methods, and computer program products are provided for assisting a consumer during a transaction with a vendor at a point of sale by providing transaction information to the consumer in an audible format. The system includes a consumer device and a payment terminal located proximate the point of sale. The consumer device, either a mobile device carried by the consumer or an immobile device also located proximate the point of sale, communicates with the payment terminal and receives transaction information such as product identity or amount information. The consumer device then produces sound waves audible to the consumer based on the communicated transaction information using one or more private and/or public listening devices. This audible transaction process can be performed automatically during a transaction or can be implemented based on consumer preference.