System And Method For Performing Financial Transactions Using A Wireless Personal Assistant

Abstract

Aspects of the present disclosure involve systems, methods, devices, and the like for performing financial transactions. In one embodiment, a system is introduced that enables a communication between a user and a wireless personal assistant. The communication occurs through the use of a vocal command which is recognized and authenticated by the wireless personal assistant for the request and transfer of a monetary amount between a user and a contact. The communication occurs using a financial institution associated with the user and linked with the wireless personal assistant for the manipulation of funds from the user account.

What is claimed is: 
     
         1 . A method, comprising:
 detecting, via a wireless personal assistant system of a user, a voice command generated by the user;   electronically analyzing the voice command;   determining, based on the electronically analyzing, that the voice command includes a request to perform a transaction via a user account that was previously linked to the wireless personal assistant system;   based on the determining, accessing user information of the user, the user information including user authentication credentials, a specified amount for the transaction, and another party involved in the transaction;   authenticating the user based on the user authentication credentials; and   processing, based on a successful authentication of the user, the transaction with the another party via the user account according to the specified amount.   
     
     
         2 . The method of  claim 1 , wherein at least one of the detecting, the electronically analyzing, the determining, the accessing, the authenticating, or the processing is performed at least in part via an electronic communication between the wireless personal assistant system and a service provider, and wherein the user account comprises an account of the user with the service provider. 
     
     
         3 . The method of  claim 2 , further comprising: before the detecting, linking, to the wireless personal assistant system, the user account and a plurality of user-defined voice commands. 
     
     
         4 . The method of  claim 3 , wherein:
 the electronically analyzing comprises searching for one or more of the user-defined voice commands in the detected voice command; and   the determining comprises determining that the detected voice command matches at least one of the one or more of the user-defined voice commands.   
     
     
         5 . The method of  claim 1 , wherein the another party comprises a merchant, wherein the transaction comprises a purchase of one or more products from the merchant, and wherein the method further comprises providing information regarding the one or more products in real time to the user. 
     
     
         6 . The method of  claim 1 , wherein the accessing the user information comprises accessing the user authentication credentials that were previously stored on a user device of the user. 
     
     
         7 . The method of  claim 1 , wherein the accessing the user information comprises:
 prompting, via the wireless personal assistant system, the user for the user authentication credentials; and   receiving, via the wireless personal assistant system, the user authentication credentials.   
     
     
         8 . The method of  claim 1 , wherein the user information further comprises a contact list of the user imported from a user device of the user or from a social media account of the user. 
     
     
         9 . The method of  claim 1 , further comprising: after the transaction has been processed, presenting a confirmation message to a user device of the user, wherein the confirmation message comprises the specified amount and descriptive information of the another party. 
     
     
         10 . The method of  claim 1 , wherein the transaction comprises a transfer of funds, an inquiry of a balance of the user account, or a request to pay a bill. 
     
     
         11 . The method of  claim 1 , further comprising, before the detecting:
 presenting, via a graphical user interface of a mobile application executing on a user device of the user, 1) a prompt that allows a linking of the user account with the wireless personal assistant system, and 2) a plurality of commands that include the voice command; and   based on user input received via the graphical user interface, linking the user account with the wireless personal assistant system, and selecting at least the voice command from the plurality of commands as user-customized command for conducting transactions via the wireless personal assistant system.   
     
     
         12 . A system, comprising:
 a processor; and   a non-transitory computer-readable medium having stored thereon instructions that are executable by the processor to cause the system to perform operations comprising:
 accessing a user account of a first user that was previously linked with a wireless personal assistant system, wherein the user account was linked based on input received from the first user via a graphical user interface of a user device of the first user; 
 receiving an audio message via the wireless personal assistant system, the audio message including one or more voice commands; 
 identifying the one or more voice commands via an electronic analysis of the audio message; 
 determining that the one or more voice commands comprise a request to perform a transaction via the user account that was linked to the wireless personal assistant system; 
 after the determining, accessing user information of the first user, the user information including user authentication credentials, and a merchant or a second user involved in the transaction with the first user; 
 authenticating the first user based on the user authentication credentials; and 
 processing, based on a successful authentication of the first user, the transaction with the merchant or the second user via the user account. 
   
     
     
         13 . The system of  claim 12 , wherein the graphical user interface is displayed as a part of a mobile application executable on the user device, and wherein the graphical user interface comprises a prompt for linking the user account with the wireless personal assistant system. 
     
     
         14 . The system of  claim 13 , wherein the graphical user interface is configured to allow the first user to select the one or more voice commands, from a plurality of voice commands, as user-specified commands for conducting transactions via the wireless personal assistant system. 
     
     
         15 . The system of  claim 12 , wherein the processing the transaction comprises:
 presenting, to the first user via the wireless personal assistant system, a question pertaining to the transaction;   receiving, via the wireless personal assistant system, an answer to the question from the first user; and   configuring an aspect of the transaction based on the answer received.   
     
     
         16 . The system of  claim 12 , wherein the transaction comprises a purchase of an item, a transfer of funds, an inquiry of a balance of the user account, or a request to pay a bill. 
     
     
         17 . The system of  claim 12 , wherein the transaction comprises a request to provide a real time consumer metric visualization or a real time purchase information of a product. 
     
     
         18 . A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:
 detecting, at least in part via a wireless personal assistant system of a user, a first voice command from the user;   determining that the first voice command comprises a request for information regarding a product or service offered by a merchant;   providing, at least in part via the wireless personal assistant system, the information to the user;   detecting, at least in part via the wireless personal assistant system after the information has been provided to the user, a second voice command from the user;   determining that the second voice command comprises a request to conducting a transaction involving the product or the service;   authenticating the user after the determining that the second voice command comprises the request, wherein an authentication of the user grants an access of a user account that was previously linked with the wireless personal assistant system; and   processing the transaction via the user account.   
     
     
         19 . The non-transitory machine-readable medium of  claim 18 , wherein the user account was previously linked to the wireless personal assistant system based on user input received via a graphical user interface of a mobile application executable on a user device. 
     
     
         20 . The non-transitory machine-readable medium of  claim 18 , wherein:
 the determining that the first voice command comprises the request for information comprises matching the first voice command with a plurality of user-defined commands; and   the determining that the second voice command comprises the request to conducting the transaction comprises matching the second voice command with the plurality of user-defined commands.