SYSTEM AND METHODS FOR PROVIDING AUDIBLE INSTRUCTIONS FOR PERFORMING A TRANSACTION

• US 20200134597A1
• Filed: 10/24/2019
• Published: 04/30/2020
• Est. Priority Date: 10/26/2018
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Berdugo, Andrea Catalina, Scholl, Christopher T., Sommer, Adam Michael
• Granted Patent: US 11,348,089 B2
• Time in Patent Office: Days
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/321 using wearable devices
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G09B 21/009 Teaching or communicating with deaf persons G09B21/04 takes precedence; deaf and dumb persons G09B21/00
• CPC Class Codes: G10L 13/02 Methods for producing synthetic speech; Speech synthesisers
• CPC Class Codes: G10L 15/22 Procedures used during a speech recognition process, e.g. man-machine dialogue

Abstract

Methods and systems for hearing-impaired payment applications are provided herein. In particular, a method for performing a transaction using a hearing device payment system is provided that includes a hearing device and a cardholder computing device. The method includes pairing the hearing device to the cardholder computing device by means of a wireless communication protocol. A payment application on the cardholder computing device is started to perform a transaction. A cardholder initiates an audible instruction function of the payment application. In addition, the payment application transmits a digital audio signal to the hearing device by means of the wireless communication protocol. The digital audio signal provides an audible instruction to the cardholder via the hearing device.

Claims

1. A computer-implemented method for performing a hearing-impaired transaction, the method comprising the steps of:

(a) starting a payment application on a cardholder computing device, wherein the payment application comprises a hearing-impaired functionality;

(b) activating the hearing-impaired functionality on the payment application; and

(c) receiving a hearing-impaired communication from the payment application.

2. The computer-implemented method of claim 1, wherein the hearing-impaired functionality comprises an ability to pair the payment application with a hearing device of a cardholder via a wireless communication protocol.

3. The computer-implemented method of claim 2, wherein step (c) includes the step of transmitting a digital audio signal to the hearing device via the wireless communication protocol, the digital audio signal comprising an audible instruction to the cardholder.

4. The computer-implemented method of claim 1, wherein the hearing-impaired functionality comprises a chatbot functionality.

5. The computer-implemented method of claim 4, wherein the hearing-impaired communication of step (c) comprises a chatbot-facilitated communication between the payment application and a point-of-sale device.

6. The computer-implemented method of claim 1, wherein the hearing-impaired functionality comprises converting all transactional information to a cardholder into readable text form.

7. The computer-implemented method of claim 6, wherein step (c) includes the step of receiving one or more text messages from the point-of-sale device.

8. A hearing-impaired payment system, the hearing-impaired payment system comprising:

(a) a memory device for storing data; and

(b) a processor communicatively coupled to the memory device, wherein the processor is programmed to;

(i) start a payment application on a cardholder computing device, wherein the payment application comprises a hearing-impaired functionality;

(ii) activate the hearing-impaired functionality on the payment application; and

(iii) receive a hearing-impaired communication from the payment application.

9. The hearing-impaired system of claim 8, wherein the hearing-impaired functionality comprises an ability to pair the payment application with a hearing device of a cardholder via a wireless communication protocol.

10. The hearing-impaired system of claim 9, wherein the processor is programmed to transmit a digital audio signal to the hearing device via the wireless communication protocol, the digital audio signal comprising an audible instruction to the cardholder.

11. The hearing-impaired system of claim 8, wherein the hearing-impaired functionality comprises a chatbot functionality.

12. The hearing-impaired system of claim 11, wherein the processor is programmed to receive a chatbot-facilitated communication between the payment application and a point-of-sale device.

13. The hearing-impaired system of claim 8, wherein the hearing-impaired functionality comprises converting all transactional information to a cardholder into readable text form.

14. The hearing-impaired system of claim 13, wherein the processor may be programmed to receive one or more text messages from the point-of-sale device.

15. A non-transitory computer-readable storage media having computer-executable instructions for facilitating a hearing-impaired transaction, when executed by at least one processor, the computer-executable instructions cause the processor to:

(a) start a payment application on a cardholder computing device, wherein the payment application comprises a hearing-impaired functionality;

(b) activate the hearing-impaired functionality on the payment application;

(c) transmit a payment credential from the payment application to a point-of-sale device; and

(d) receive a hearing-impaired communication from the payment application.

16. The non-transitory computer-readable storage media of claim 15, wherein the hearing-impaired functionality comprises an ability to pair the payment application with a hearing device of a cardholder via a wireless communication protocol.

17. The non-transitory computer-readable storage media of claim 16, wherein the computer-executable instructions further cause the processor to transmit a digital audio signal to the hearing device via the wireless communication protocol, the digital audio signal comprising an audible instruction to the cardholder.

18. The non-transitory computer-readable storage media of claim 15, wherein the hearing-impaired functionality comprises a chatbot functionality.

19. The non-transitory computer-readable storage media of claim 18, wherein the computer-executable instructions further cause the processor to facilitate a chatbot-facilitated communication between the payment application and the point-of-sale device.

20. The non-transitory computer-readable storage media of claim 15, wherein the hearing-impaired functionality comprises converting all transactional information to a cardholder into readable text form and wherein the computer-executable instructions further cause the processor to receive one or more text messages from the point-of-sale device.