Patent ID: 11907928
Assignee: BANK OF AMERICA CORPORATION
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A payment processing system, the system comprising:
a mobile device, associated with a first user, comprising at least one first processor, a first communication interface communicatively coupled to the at least one first processor, and a first memory storing first computer-readable instructions that, when executed by the at least one first processor, cause the mobile device to:
determine, during an ongoing call with a second user, a call context associated with the ongoing call, determining the call context associated with the ongoing call including:
converting, via a speech-to-text conversion component on the mobile device, call audio of the ongoing call to text; and
processing, via a natural language processing component on the mobile device, the text from the converted call audio to detect one or more keywords indicating the call context of the ongoing call;

determine, based on the call context, whether the ongoing call is related to a payment;
responsive to determining, based on the call context, that the ongoing call is related to a payment:
determine, based on the call context, a first user interface including a first plurality of virtual keyboard buttons to display on a display screen associated with the mobile device, the first plurality of virtual keyboard buttons including a payment button;
display, during the ongoing call, the determined first user interface including the first plurality of virtual keyboard buttons;
determine a user input, received via the payment button of the first plurality of virtual keyboard buttons, to process a payment transaction;
send, via the first communication interface to a payment server, a transaction request to process the payment transaction;

responsive to determining, based on the call context, that the ongoing call is not related to a payment:
determine a second user interface, the second user interface including a second plurality of virtual keyboard buttons that does not include the payment button; and
display, during the ongoing call, the second user interface including the second plurality of virtual keyboard buttons;

and

the payment server comprising at least one second processor, a second communication interface communicatively coupled to the at least one second processor, and a second memory storing second computer-readable instructions that, when executed by the at least one second processor, cause the payment server to:
receive, via the second communication interface, the transaction request.