Abstract: In one embodiment, a method includes receiving a first audio input from a user requesting access to information or a service, sending a request for the information or service to an authentication server, where the request includes first authentication information based on the first audio input and further includes a user identifier associated with the user, receiving a second audio input from a client system of the user, where the second audio input includes a first authentication code to be compared to a second authentication code generated by the authentication server, sending second authentication information based on the second audio input and the user identifier to the authentication server for verification, receiving, from the authentication server, an indication of whether the user is successfully authenticated based on the second authentication information, and providing, to the user, access to the information or service when the user is successfully authenticated.

Abstract: Methods, systems, and computer readable storage media are disclosed for facilitating a payment transaction between a user and a merchant. In particular, one or more embodiments call a third-party tokenization system in response to a request to initiate the payment transaction to obtain a payment token representing a payment authorization number. Additionally, one or more embodiments wrap the payment token within a transaction token to send to a merchant system associated with the merchant. One or more embodiments receive the transaction token in connection with a request to process the payment transaction and then extract the payment token based on receiving the transaction token. One or more embodiments then initiate the payment transaction based on receiving the transaction token by sending the payment token to a payment network.