Smart card using natural language processing for originating contactless data transfer

Abstract

Apparatus and methods are provided for a smart card which enables users to initiate a transaction or money transfer using voice commands. The apparatus and methods may include a smart card. The smart card may be responsive to voice commands and support electronic communication with a payment network. The smart card may include a housing, a network interface controller including a wireless communication interface, a voice controller, an active near-field communication chip, a microprocessor, a battery and / or an activation button. The smart card may also include executable instructions stored in a non-transitory memory, that when run by the microprocessor, detect and capture a first audio message via the voice controller and perform speaker-dependent speech recognition on the captured audio message to identify whether or not an authorized user of the smart card generated the audio message.

Description

FIELD OF TECHNOLOGY[0001]Aspects of the disclosure relate to a smart card with enhanced communication features.BACKGROUND OF THE DISCLOSURE[0002]Cards that are used for performing transactions may include, embedded in the card, multiple methods of performing transactions. For example, cards can include a magnetic stripe for swiPINg at a card reader device, a Europay, Mastercard and Visa (“EMV”) chip for inserting into a device and / or a near-field communication (“NFC”) chip for contactless transaction.[0003]NFC is a rapidly growing wireless technology that supports short-range communications. Cards today typically include a passive NFC chip that can transfer information stored on an NFC tag within the card to an NFC-enabled device, such as a smartphone or point-of-sale device, when the chip is activated. Because these cards do not include a battery, an active NFC-enabled device is used to power the NFC chip using a signal when the two are in close proximity. This signal provides suff...

AI Technical Summary

Benefits of technology

Enables independent transaction initiation and completion, enhancing user experience by allowing voice command interactions and facilitating transactions for visually impaired users without the need for external devices.

Problems solved by technology

The NFC chip cannot be used to complete a transaction when a powering device is not available.

This is not desirable at least because, if an individual wants to initiate a transaction using his card, a POS or other suitable device is required to complete the transaction.

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