Abstract: A first computing device broadcasts a first audio token comprising the first user computing device identifier over two or more audio frequency channels at specified intervals and listens for audio inputs via the two or more audio frequency channels at the specified intervals. The first computing device receives a second audio token generated by a second computing device and communicates the received second audio token to the one or more computing devices. The second computing device receives the first audio token generated by the first computing device and communicates the received first audio token to the one or more computing devices. The one or more computing devices receive the first and second audio tokens and pair the first computing device and the second computing device and facilitate a transfer of data between the first computing device and the second computing device.

Abstract: A method 1000 for authenticating operations within consent architecture includes obtaining an operation request 142 requesting a service application 140 to access a remote entity 130 to perform an operation (138). The method also includes issuing, by the service application, an authentication request 152 requesting an authenticator application 150 to obtain user authentication credentials 154 for authenticating a user 12 before the remote entity performs the operation. The method also includes encrypting, by the authenticator application, the obtained user authentication credentials using a public key 132 of the remote entity. The service application is restricted from obtaining the user authentication credentials in unencrypted form.

Abstract: The present disclosure provides systems, methods, and computer program products for transmitting data to computing devices via audio communication channels. A computer-implemented method performed by one or more processing devices may include, for example, providing an audio token to a broadcasting device for broadcast via an audio communication channel, receiving the audio token from a user computing device, the audio token being received from the user computing device based on an audio broadcast of the audio token by the broadcasting device via the audio communication channel, and obtaining, in response to determining data that is associated with the received audio token, approval to process a payment transaction by at least in part transmitting the data to the user computing device.

Abstract: A user device receives a service device identifier via a Wi-Fi scan at a location and transmits the received service device identifier to an management system via a network. If the management computing system receives multiple service device identifiers from the user computing device, the management computing system receives location data of the user computing device and signal strength data associated with each of the service device identifiers. The management system receives location data from the user computing device and determines a particular service device identifier from the multiple identified service device identifiers having a strongest signal strength where the user computing device location data also indicates the user computing device to be located within a geofence boundary associated with the service device. The management system transmits user account information to the selected service system computing device.

Abstract: A first computing device broadcasts a first audio token comprising the first user computing device identifier over two or more audio frequency channels at specified intervals and listens for audio inputs via the two or more audio frequency channels at the specified intervals. The first computing device receives a second audio token generated by a second computing device and communicates the received second audio token to the one or more computing devices. The second computing device receives the first audio token generated by the first computing device and communicates the received first audio token to the one or more computing devices. The one or more computing devices receive the first and second audio tokens and pair the first computing device and the second computing device and facilitate a transfer of data between the first computing device and the second computing device.

Abstract: An operator selects an application on a first user computing device to request a data transfer with a second user computing device. The first user computing device broadcasts an audio token comprising data. The first user computing device activates a microphone component, successively cycles through available audio configurations, applies each selected audio configuration to received audio token data, determines a signal score for each applied audio configuration, and transmits processed audio token data and signal scores to an account management system. The account management system also receives processed audio token data from multiple other computing devices of the same model as the first user computing device. The account management system selects a default audio configuration for the model based on the determined signal scores. The account management system transmits instructions to known computing devices of the model to apply the default audio configuration to future reception of audio token data.

Abstract: A first computing device broadcasts a first audio token comprising the first user computing device identifier over two or more audio frequency channels at specified intervals and listens for audio inputs via the two or more audio frequency channels at the specified intervals. The first computing device receives a second audio token generated by a second computing device and communicates the received second audio token to the one or more computing devices. The second computing device receives the first audio token generated by the first computing device and communicates the received first audio token to the one or more computing devices. The one or more computing devices receive the first and second audio tokens and pair the first computing device and the second computing device and facilitate a transfer of data between the first computing device and the second computing device.

Abstract: An information system generates data, generates an audio token, associates the audio token with the data, and transmits the audio token along with the data to the account management system. The information system configures a broadcasting computing device to broadcast the audio token at a location. User computing devices at the location via an audio communication channel receive the broadcast token and retransmit the audio token to the account management system via a network. The account management system receives the audio token from a particular user computing device along with a request for data associated with the audio token, extracts the data associated with the audio token data, and transmits the data associated with the audio token to the particular user computing device.

Abstract: A first computing device broadcasts a first audio token comprising the first user computing device identifier over two or more audio frequency channels at specified intervals and listens for audio inputs via the two or more audio frequency channels at the specified intervals. The first computing device receives a second audio token generated by a second computing device and communicates the received second audio token to the one or more computing devices. The second computing device receives the first audio token generated by the first computing device and communicates the received first audio token to the one or more computing devices. The one or more computing devices receive the first and second audio tokens and pair the first computing device and the second computing device and facilitate a transfer of data between the first computing device and the second computing device.

Abstract: An information system generates data, generates an audio token, associates the audio token with the data, and transmits the audio token along with the data to the account management system. The information system configures a broadcasting computing device to broadcast the audio token at a location. User computing devices at the location via an audio communication channel receive the broadcast token and retransmit the audio token to the account management system via a network. The account management system receives the audio token from a particular user computing device along with a request for data associated with the audio token, extracts the data associated with the audio token data, and transmits the data associated with the audio token to the particular user computing device.

Abstract: A first computing device broadcasts a first audio token comprising the first user computing device identifier over two or more audio frequency channels at specified intervals and listens for audio inputs via the two or more audio frequency channels at the specified intervals. The first computing device receives a second audio token generated by a second computing device and communicates the received second audio token to the one or more computing devices. The second computing device receives the first audio token generated by the first computing device and communicates the received first audio token to the one or more computing devices. The one or more computing devices receive the first and second audio tokens and pair the first computing device and the second computing device and facilitate a transfer of data between the first computing device and the second computing device.

Abstract: A user device receives a service device identifier via a Wi-Fi scan at a location and transmits the received service device identifier to an management system via a network. If the management computing system receives multiple service device identifiers from the user computing device, the management computing system receives location data of the user computing device and signal strength data associated with each of the service device identifiers. The management system receives location data from the user computing device and determines a particular service device identifier from the multiple identified service device identifiers having a strongest signal strength where the user computing device location data also indicates the user computing device to be located within a geofence boundary associated with the service device. The management system transmits user account information to the selected service system computing device.

Abstract: A user device receives a service device identifier via a Wi-Fi scan at a location and transmits the received service device identifier to an management system via a network. If the management computing system receives multiple service device identifiers from the user computing device, the management computing system receives location data of the user computing device and signal strength data associated with each of the service device identifiers. The management system receives location data from the user computing device and determines a particular service device identifier from the multiple identified service device identifiers having a strongest signal strength where the user computing device location data also indicates the user computing device to be located within a geofence boundary associated with the service device. The management system transmits user account information to the selected service system computing device.

Abstract: A user device receives a service device identifier via a Wi-Fi scan at a location and transmits the received service device identifier to an management system via a network. If the management computing system receives multiple service device identifiers from the user computing device, the management computing system receives location data of the user computing device and signal strength data associated with each of the service device identifiers. The management system receives location data from the user computing device and determines a particular service device identifier from the multiple identified service device identifiers having a strongest signal strength where the user computing device location data also indicates the user computing device to be located within a geofence boundary associated with the service device. The management system transmits user account information to the selected service system computing device.

Abstract: An information system generates data, generates an audio token, associates the audio token with the data, and transmits the audio token along with the data to the account management system. The information system configures a broadcasting computing device to broadcast the audio token at a location. User computing devices at the location via an audio communication channel receive the broadcast token and retransmit the audio token to the account management system via a network. The account management system receives the audio token from a particular user computing device along with a request for data associated with the audio token, extracts the data associated with the audio token data, and transmits the data associated with the audio token to the particular user computing device.

Abstract: A first computing device broadcasts a first audio token comprising the first user computing device identifier over two or more audio frequency channels at specified intervals and listens for audio inputs via the two or more audio frequency channels at the specified intervals. The first computing device receives a second audio token generated by a second computing device and communicates the received second audio token to the one or more computing devices. The second computing device receives the first audio token generated by the first computing device and communicates the received first audio token to the one or more computing devices. The one or more computing devices receive the first and second audio tokens and pair the first computing device and the second computing device and facilitate a transfer of data between the first computing device and the second computing device.

Abstract: An operator selects an application on a second user computing device to request a data transfer. A user taps a first user computing device to the second user computing device. If either the second user computing device or the first user computing device does not detect an object via a proximity sensor component within a length of time, the respective computing device cancels the data transfer. If the second user computing device detects an object via a proximity sensor component, the second user computing device broadcasts an audio token comprising data. If the first user computing device detects an object via a proximity sensor component, the first user computing device activates a microphone component of the first user computing device and listens for audio tokens broadcast by the second user computing device. The first user computing device and the second user computing device establish a network connection and the first user computing device transmits data to the second user computing device.