Abstract: According to an embodiment, a payment is facilitated though sound-based communication. A first sound-based communication is received. The first sound-based communication is received over a local network that is distinct from a general communications network. The method determines that the first sound-based communication comprises an entity identifier. Entity data comprising a plurality of entities is accessed. The method determines that the plurality of authorized entities comprises an entity associated with the entity identifier. The method determines that the entity associated with the entity identifier is authorized to participate in sound-based payment transactions. A second sound-based communication is transmitted authorizing a payment of a payment amount to the entity. The second sound-based communication is transmitted over the local network that is distinct from the general communications network.

Abstract: According to an embodiment, a method facilitates communication with a voice-based management system. An authentication credential is received. Based on the authentication credential, a user is allowed to access an on-line management system operable to facilitate management of an account. The on-line management system receives a request to connect the user to a voice-based management system operable to facilitate providing a response to a question included in the request. A user type associated with the user is determined. A context associated with the question included in the request is determined. A response unit in the voice-based management system is determined according to the user type and the context. The user is connected to the response unit in the voice-based management system without requiring the user to provide the authentication credential to the response unit.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for implementing rule-based offer association, queuing input information for performing rule-based offer association, and implementing an intelligent offer tool for determining whether to present an offer to a user. The invention enables an entity to send targeted offers to a user that enables the user to receive at least one of a discount or a rebate on a purchase from a merchant.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for implementing rule-based offer association, queuing input information for performing rule-based offer association, and implementing an intelligent offer tool for determining whether to present an offer to a user. The invention enables an entity to send targeted offers to a user that enables the user to receive at least one of a discount or a rebate on a purchase from a merchant.

Abstract: A system and method of pre-processing a transaction using a mobile device are presented. The system and method may include beginning a transaction at a mobile device. Beginning the transaction may include receiving transaction information at the mobile device. The transaction information may include a transaction identifier, type of transaction, method of payment, and the like. In some examples, the transaction information may be stored at the mobile device. A network associated with a merchant or ATM associated with a financial institution may be detected at the mobile device. The mobile device may connect to the detected network and the transaction may be completed.

Abstract: A system and method of pre-processing a transaction using a mobile device are presented. The system and method may include beginning a transaction at a mobile device. Beginning the transaction may include receiving transaction information at the mobile device. The transaction information may include a transaction identifier, type of transaction, method of payment, etc. In some examples, the transaction information may be stored at the mobile device. A network associated with a merchant or ATM associated with a financial institution may be detected at the mobile device. The mobile device may connect to the detected network and the transaction may be completed.

Abstract: Embodiments of the present invention are directed to apparatuses, systems, methods, and computer program products for: (1) receiving transaction data from a transaction involving a consumer, where the transaction data comprises product-level information; (2) storing the transaction data in memory; and/or (3) posting the transaction data to an account accessible to the consumer.