Visa proposes a new payment method called "Listen, Check, and Pay" that uses ultrasound signals. It would allow cardholders to securely make payments using any sound-enabled device by listening for a merchant's ultrasound signal, checking payment details, and confirming payment. Ultrasound signals are harder to duplicate than QR codes or NFC and provide increased accessibility, security and flexibility for payments. The proposal outlines the basic steps and demonstrates sample use cases and payloads for making ultrasound-based payments. Potential issues around signal clashes and interruptions are also discussed.

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Listen, Check, and Pay
Using Ultrasound to pay
Objectives:
Simple and secure way to pay and be
paid
Goals:
Allows cardholders to make payments securely
using ultrasound signals.

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Rethink payment medium Any sound-
enabled device are able to send and receive
payment sound signal. This means you can
now onboard televisions or radios for your
payment identifications.
Generalizability Flexible use cases and easy
to understand implementations. They don’t
require special hardware to scan QR Code and
use NFC payment
Harder to reproduce Ultrasound signal is
harder to reproduce unlike QR Code
Time based Ultrasound Signal is time based.
It is harder to track the starting and end point
of the signal
Why Ultrasound Signal?
Increased accessibility Increased Security
Simple and secure way to pay and be paid using merchant tokens
Revenue Trust

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Introducing 3 Simple Steps
Simple and secure way to pay and be paid using merchant tokens
Listen Check Pay

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Leveraging new ways to pay
From a Mom to a Teddy Bear
Ultrasound Payment enabled
Buy now!! Christmas Sales for Toys
for your loved ones. Only $20 for
a cuddly teddy bear.
Quick Pay by Ultrasound here!
Hear that Sweetie, let us buy!
Let me dish out my phone to
pay

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3 Simple Steps – Listen, check, and pay
From a Mom to a Teddy Bear
Ultrasound Payment enabled
$20
Listening…
Listen Check Pay

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Leveraging new ways to pay
From a Youtuber to a Donation
Hey guys, If you like this video,
please contribute just $1 and I will
release more tutorials.
Just listen, check,and pay
Thanks Justin, I will contribute.
I want to watch more of your
tutorials
Ultrasound Contribution enabled

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3 Simple Steps – Listen, check, and pay
From a Youtuber to a Donation
Ultrasound Contribution enabled
$1
Listening…
Listen Check Pay

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Anything that could emit and receive sound to pay anytime anywhere
And many Different ways to pay

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Using Listen, Check and
Pay, we could visualize the
use cases of ultrasound
based payment.
Changing Payload into Ultrasound System
Process Flow
Merchants trigger
ultrasound based
payments
Media is sending
ultrasound to
customer’s phone
Customer’s phone
displays merchant
information and
price
Customer makes
the payment
Listen
Check
Pay

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Listening…
This is the low level
overview of the payment.
With this we could send the
token payloads to identify
merchants.
Demo
https://www.youtube.com/
watch?v=9kcFUGiDCws
Changing Payload into Ultrasound System
Further visualization
"acquirerCountryCode" : "643",
"acquiringBin" : "400171",
"amount" : "124.05",
"businessApplicationId" : "CI",
"cardAcceptor" : {
"address" : {
"city" : "Bangalore",
"country" : "IND"
},
"idCode" : "ID-Code123",
"name" : "Card Accpector
ABC"
},
$1
Listen
Check
Pay

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• Accessibility: More media that emits or
receive sound can be used for payments
• Generalizability: Flexible use cases and
easy to understand implementations
• Security: Harder to duplicate than QR
code and encoded through time
dimensions (harder to see starting and
end point)
• Possible clashes of payloads especially
given multiple medias
• Possible interruptions by other
exposed ultrasound sources
• Needs of developing our own sound
API or buy licenses from a off-the-shelf
tool (e.g: Chirp.io)
Listen, Check, and Pay
Pros (Accessibility & Security) Cons
Simple and secure way to pay and be paid
Revenue Trust

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Listen, Check, and Pay
Accessible and Secure way to pay
Thank You!

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Appendix 1 : MVisa

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Appendix 2 : Payload Request Sample
"acquirerCountryCode" : "643",
"acquiringBin" : "400171",
"amount" : "124.05",
"businessApplicationId" : "CI",
"cardAcceptor" : {
"address" : {
"city" : "Bangalore",
"country" : "IND"
},
"idCode" : "ID-Code123",
"name" : "Card Accpector ABC"
},
"localTransactionDateTime" : "2018-07-12T01:26:06",
"merchantCategoryCode" : "4829",
"recipientPrimaryAccountNumber" : "4123640062698797",
"retrievalReferenceNumber" : "430000367618",
"senderAccountNumber" : "4541237895236",
"senderName" : "Mohammed Qasim",
"senderReference" : "1234",
"systemsTraceAuditNumber" : "313042",
"transactionCurrencyCode" : "USD",
"transactionIdentifier" : "381228649430015"
}

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Appendix 3 : Payload Response Sample
Response Body:
2018-07-12 09:26:09 INFO VisaAPIClient:184 - ResponseBody: {
"transactionIdentifier" : 481152925206603,
"actionCode" : "00",
"approvalCode" : "21324K",
"responseCode" : "5",
"transmissionDateTime" : "2018-07-12T01:26:08.000Z",
"retrievalReferenceNumber" : "430000367618"
}