Bank of America Corporation
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.