Abstract: Systems and methods for providing and facilitating multi-mode communication are disclosed. Users may initiate, receive and/or respond to messages and message notifications on a computing device using multi-mode interactions executed through either a device display or a wearable device such as a headset with enhanced functionality. Contextual prompts guide the user interaction with the computing device using on-board or remote voice recognition text-to-speech and speech-to-text processing and playback. Voice and text data are packaged and transmitted to the network.

Abstract: An interface solution through API or SDK integrations between mobile device wallet system/application and Point Of Sale systems that implements an “out of band” channel, adjunct but not a part of the traditional payment network but with access to payment network information, for secure communications between merchants and users. The disclosed system and method is a solution, using an app with digital credentials, that provides technical integration of a system and method for communication between wallet systems and devices and CRM systems and networks.

Abstract: Systems and methods for providing and facilitating multi-mode communication are disclosed. Users may initiate, receive and/or respond to messages and message notifications on a computing device using multi-mode interactions executed through either a device display or a wearable device such as a headset with enhanced functionality. Contextual prompts guide the user interaction with the computing device using on-board or remote voice recognition text-to-speech and speech-to-text processing and playback. Voice and text data are packaged and transmitted to the network.