Patent ID: 9183552
Filing Date: 2015-11-10
Classification: G06Q

Abstract:
1. A method comprising: receiving, by a device, a request, the request indicating a password; determining, by the device, one or more security risk parameters associated with the received request; retrieving, by the device, a personal identification number, an identifier, a session code, or a combination thereof, based, at least in part, on the determined one or more security risk parameters associated with the received request; generating, by the device, an audio token based, at least in part, on the received password, the retrieved personal identification number, the identifier, the session code, or the combination thereof; conveying, by the device, the generated audio token to a merchant; initiating, by the device, payment to the merchant based on the conveyance of the audio token to the merchant; and receiving, by the device, a receipt, of the initiated payment.