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In-car contactless payments: The next generation of mobile commerce

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Contactless payment methods are more prevalent than ever. Banks, credit card companies, retailers and technology firms have embraced this form of commerce, propelling the market for contactless payment hardware and software to new heights. Last year, the space generated an estimated $6.7 billion in revenue, according to research from MarketsandMarkets. That figure is expected to increase at a compound annual growth rate of 21 percent, reaching $17.5 billion by 2021.

A good portion of that growth might come from an unusual source: automotive companies. Car manufacturers are exploring contactless payment deployment options in an effort to round out the connected car concept. The idea makes sense, considering over half of American adults shop via smartphone, according to data from Pew Research. Some automakers believe they can surely parlay this collective enthusiasm for mobile e-commerce into an exciting new retail model with the connected vehicle at the center.

How might this unfold on the road? Here are some of the contactless payment innovations car companies are currently developing:

The contactless key
General Motors was perhaps the earliest proponent of vehicle-based contactless payment technology. Back in October 2015, the automaker partnered with MasterCard to create a key fob designed for use with near-field communication-equipped point-of-sale terminals, according to a joint press release. While the two firms only managed to produce a prototype – which debuted at the Money20/20 conference in Las Vegas that year – the partnership did bring the idea of the payment-ready key fob into the mainstream.

It may have been the GM-MasterCard collaboration that led DS Automobiles, the French auto conglomerate that operates the Citroen brand, to pursue the technology on a wider scale. Earlier this month, the company launched the DS 3 Connected Chic, a payment-enabled key fob that works with any NFC POS terminal, TechRadar reported. Users can leverage the Barclaycard bPay mobile application to load as much as $270 onto the device and send across as much as $40 per transaction.

This product will provide concrete insight into how consumers will interact with contactless car key technology. Roughly 10 percent of buyers purchase items using credit or debit card data loaded onto their smartphones, according to research from the credit card service company Total System Services. This state of affairs may point to future success for DS Automobiles and other vehicle manufacturers exploring payment-ready vehicle key fobs. However, it is likely that the implementation methods will be more varied by the time these devices go mainstream.

For example, innovators like the engineers at LISNR® are pioneering data-over-sound solutions that can serve as secure alternatives. With groundbreaking technology like data-over-sound in play, the payment-enabled key fobs of tomorrow will be even more powerful than those available today. Instead of interacting with POS terminals via NFC technology, these devices might transmit user payment details through non-audible tones, facilitating optimal convenience while reducing the likelihood of data loss.   

Buy from behind the wheel
While car companies like GM and DS Automobiles look into the commercial potential of the modern car key, luxury giant Jaguar Land Rover looks to revolutionize the in-car experience with payment technology that will allow occupants to purchase goods and services without leaving their vehicles, TechCrunch reported.

In February, the British car brand announced a partnership with Royal Dutch Shell, rolling out an application that gives drivers the power to fuel their cars through their in-dash navigation units. Users can select the amount of fuel they wish to fill and then use Android or Apple Pay to complete the transaction. The application, which uses geolocation services and Wi-Fi to find and communicate with sensor-equipped fuel pumps, produces a receipt on screen and sends out a second copy via email. This in-car payment portal is available now.

Of course, Jaguar is not alone when it comes to this particular innovation. A month before the U.K. car brand announced its payment application, Honda, in partnership with fuel pump maker Gilbarco Veeder-Root, smart parking meter manufacturer IPS Group and Visa, debuted a similar solution at the 2017 Consumer Electronics Show in Las Vegas, according to a press release. The system allows vehicle occupants to fill gas and pay for parking from the comfort of the car cabin. However, the application was merely a proof-of-concept and has yet to go into production.

The future of in-car payment
With automakers pursuing innovations such as these, the in-car contactless payment movement is bound to pick up steam. While widely used technologies like NFC can certainly facilitate this emerging commerce methodology, there are more effective and secure alternatives on the horizon – namely, data-over-sound.

At LISNR®, we produce near-ultrasonic, ultra-low power data transmission technology that enables fast, reliable and secure communication between devices that have microphones and/or speakers. This technique, which does not require internet connectivity of any kind, is the ideal data migration method for carmakers developing fast and secure in-car contactless payment systems.

In January, we stopped by the North American International Auto Show in Detroit to participate in the AutoMobili-D exhibition showcasing innovators in the automotive technology space. There, we showed attendees how the LISNR® solution can help move connected car technology forward. LISNR® is also participating in the Jaguar’s Portland Tech Incubator, using our expertise to propel smart vehicle technology forward, including in-car payment systems.  

Interested in learning more about what we do here at LISNR®? Connect with us today.

The Importance of Innovation & Creativity

Smart Tone Types

A quick guide to the different types of LISNR Smart Tones™

To stay relevant in today’s highly competitive and ever-evolving landscape, businesses must capitalize on opportunities to innovate. This includes being strategic about which technologies they adopt.

At the forefront of the Internet of Sound revolution, LISNR provides a cutting-edge technology that is just as unique as it is useful. The world’s most advanced high frequency “data over audio” technology, Smart Tones connect mobile apps and devices with more efficiency, scalability, and customizability than ever before. By integrating this ultrasonic communication protocol with their software programs, LISNR users are able to create contextually relevant engagements, seamless authentication & transaction process, and offline communication capabilities that deliver significantly better experiences than would otherwise be possible.

Recent enhancements were made to the LISNR Application Performance Interface as well as the customer portal to democratize Smart Tones, ensuring that more people would be able to use them in ways that are most meaningful to them – and their customers. LISNR offers three types of Smart Tones: ID Tones, Text Tones, and Data Tones. The LISNR CMS offers customers the ability to streamline LISNR functionalities using ID & Text Tones while version 2 of the LISNR API allows developers to easily works with all three types of Smart Tones. In addition, LISNR allows you to create these different tone types using a variety of codecs, which include WAV, MP3, and AAC-LC.

Three types of Smart Tones: Differences and benefits

These tones can be played and received by devices with microphone and speaker functionality – without the need for Wi-Fi connectivity or additional hardware – and can be used to power different experiences within the same application. What distinguishes them from one another, though, is that they each have their own identifier, as well as specific use cases they work particularly well in.

Gaining a better understanding of how each tone functions in various environments makes it easy to see how the technology can help you produce unique, personalized, relevant and engaging device-to-device communications.

ID Tones
In every industry, a huge part of successfully reaching target audiences is making sure the message is delivered at precisely the right time – which is why the value of ID Tones is so inclusive. They are best used for timing, 2nd screen, and proximity-based activations. ID Tones help with everything from alerting a retail customer of a discount at a pivotal point in their shopping experience to keeping concert-goers connected and updated on event details.

ID Tones carry a payload of a tone-specific ToneID, as well as an incrementing iteration Index that detects each time a new version of the tone is played. Put simply, when a listening device detects a tone with a matching API key, it generates the related content specified by app users – be it a video, picture, message, URL or other types of content. Businesses in retail, entertainment, broadcast, and sports industries (among many others) can leverage ID Tones for:

  • Special promotions
  • Digital signage
  • Coupons
  • Discounts

ID tones are also particularly useful for second-screen synchronization in broadcasting. Users can create perfectly timed multimedia experiences for both live and pre-recorded events.

Text Tones
Text Tones allow organizations to quickly and efficiently deliver relevant, real-time messages to their audience – completely offline. The tone’s payload carries the text directly to the SDK. Because the communication only occurs through the tones, no server calling is necessary. The inaudible sound is the medium for the data transfer.

Text Tones support up to 255 bytes of ASCII text, which is perfect for emergency alerts, event updates, welcome messages and other types of notifications. These types of tones are the most simplistic variation of the technology yet play a significant role in enhancing customer experiences.

Whether the intent is to inform, entertain or engage, Text Tones enable users to send pertinent information at the most critical moments.

Data Tones
LISNR supports tone payloads between 1 and 255 bytes, with Data Tones usually falling on the higher end of that scale. The most sophisticated of the tone types, Data Tones are primarily used for authentication purposes, including:

  • Ticketing
  • Internet-of-Things devices
  • Automobile connectivity
  • Payments and transactions
  • Access and security

Between keyless building security, connected cars, and venue check-in services, it’s hard to come across an industry or business environment where Data Tones don’t offer incredible value. Using a safe and secure offline data transfer protocol, Data Tones allow users to automate the in-person authentication process for quicker validation, increased control and customization, better integration and heightened security. 

If you’re interested in trying out some of our new functionalities, you can request access by Clicking Here!

Goodbye NFC, Hello Audio Technology

Hello-Audio-Technology

Since smartphones and tablets became mainstream, we have seen the emergence of new technologies that promised to make the data exchanges fast, and secure between devices.

Who could forget the Infrared and Bluetooth technologies that were groundbreaking features back in 2000? QR code was also a hit a few years back that made Blackberry Messenger a popular messaging app across different mobile operating systems. Nowadays, most mobile devices are leveraging near field communication (NFC) that opened the door for mobile payments to be widely accepted by modern day users.

However, the adoption rate of the NFC technology is still low. There are several reasons why NFC has stopped gaining traction worldwide, such as hardware costs, fragmentation, and security issues. While NFC offers fast peer-to-peer data transfer, security remains one of its biggest issues. In today’s tech-dependent world, security risks are prioritized and something that continues to be ignored by new technologies. With it, there’s a good chance that near field communication will soon be replaced by a more secure data transferring platform in the form of inaudible sound technology.

LISNR is an ultrasonic audio technology – a communication protocol that uses software and sound to securely transmit customizable streams of data every second. This proprietary technology uses audio that is just above the human hearing range, called ‘Smart Tones’,to enable proximity engagement with audience measurement, seamless & secure methods of authentication, as well as device to device data transmission for automation and connectivity. What makes LISNR secure is it’s ability to transmit data in an offline environment – meaning no device pairing, wifi, or data connectivity required. Additionally, LISNR combines single use tones with metadata, tokenization and encryption to ensure a completely secure data transmission.

The inaudible technology will be highly beneficial to modern day mobile device users, even the enterprise sector. Being able to send files safely, securely, and quickly is exactly what most businesses look for in mobile technologies.

Mobile device usage in the enterprise is rising due to the need for secure data transfers especially when handling sensitive corporate files. Large screened tablets like the iPad are being used as a productivity tool that encourages employees to work on the go and remotely. Digital firm O2 mentioned in an article listing all of the iPad’s features that it’s a “perfect partner for business…[with its] fast wireless connectivity.”

If Apple uses sonar technology to replace its wireless data transferring software, then there’s more reason for enterprises to embrace mobile devices. And it wouldn’t be surprising if they looked at applying the technology soon, as the company has already reportedly filed a patent describing an ‘audio hyperlink’ that can control devices with inaudible sonic pulses. However, Apple is yet to speak about the subject publically.

Aside from being a secure alternative to NFC, LISNR Smart Tones can be widely embraced by modern day tech users as they offer a simple yet robust solution that works seamlessly across all platforms. There’s a growing demand for cross-platform communication. This makes LISNR a reliably scalable solution that can be easily integrated with any existing application or platform. Additionally, audio frequencies are significantly more versatile than radio frequencies – given that most products are already built for voice and sound. Leveraging the existing speaker and microphone infrastructure within an environment, LISNR Smart Tones can be transmitted and decoded by any device without server calls or recording audio like other services.

Inaudible technology isn’t new to the market, as it is a tried and platform which has been in operation for several years. But, its most recent success was seen with the release of the Smart Tone Ticketing, a low cost technology that offers offline authentication, personalized experience, and frictionless check-in processes for every user at the 2016 TechStars FounderCon in Cincinnati.

With its security risks similar to the other data transferring platforms of the past, there’s a huge probability that NFC terminals will fade out and inaudible technology will be ushered in because it is a safe, cost-efficient, and innovative solution in information transmission.

Written exclusively for LISNR by TechieJen.

Transport Ticketing Global Awards shortlists LISNR for Ticketing Technology of the Year

Cost-effective, scalable and easy to both deploy and manage, Smart Tones redefine what's possible with ticketing today.

LISNR Smart Tone technology is consistently recognized as a next-generation, innovative communication solution that introduces something unique, effective and much-needed in today's world.

Recently, LISNR was shortlisted for the Ticketing Technology of the Year for the 2017 Transport Ticketing Global Awards. This annual event, taking place on January 24 and 25 in Old Billingsgate, London, is the world's biggest public transport gathering and features some of the industry's greatest influencers. It is an opportunity and celebration for advancements in smart ticketing, intelligent travel and connected cities. The Ticketing Technology of the Year category, in particular, seeks to honor a company that created an entirely new product promising to redefine ticketing as we know it – and that is exactly what LISNR has done with Smart Tones.

As the world's most advanced high-frequency, inaudible "data over audio" technology, Smart Tones have already made waves across multiple sectors. The first public debut of the Smart Tone Ticketing solution was at this year's TechStars FounderCon, which helped establish a frictionless check-in process at the event. Last year, Smart Tones were used for the Budweiser Made in America Music Festival, an annual two-day event put on by Roc Nation that generates a massive crowd and impressive lineup of artists.

How Smart Tone Ticketing works
Smart Tones offer instant device-to-device authentication and communication. They can be used on any device with microphone/speaker functionality without additional hardware or Wi-Fi, Bluetooth or data connectivity – making them the ideal technology to use at crowded events, such as sports games and concerts. The locally generated, bidirectional authentication enables more efficient event entry and check-in processes, secure transactions, relevant and targeting messaging and personalized experiences. Cost-effective, scalable and easy to both deploy and manage, Smart Tones redefine what's possible with ticketing today.

In addition, the Transport Ticketing Global Award, LISNR is also nominated for both the Move to Mobile and Product Innovation award at this year's Ticketing Technology Awards. Click here to vote!

If you want to learn more about how Smart Tones revolutionize smart ticketing, check out the video below:

The successful launch of Smart Tone Ticketing

Smart Tone Ticketing was used to establish a fast, secure and efficient offline authentication process.

As the world's most advanced ultrasonic inaudible technology, LISNR Smart Tones present a new, more efficient and cost-effective way of connecting mobile applications and devices. The most notable use of the revolutionary technology, Smart Tone Ticketing, was recently demonstrated at the 2016 TechStars FounderCon in Cincinnati.

An annual event that brings together thousands of tech leaders and guests, TechStars FounderCon was a perfect place for LISNR, in partnership with Splash marketing platform, to pressure test its Smart Tone Ticketing system. In the past, QR codes were used, making 2016 the first time the event would feature a new innovative system for mobile ticketing, as well as the first time LISNR would publicly demonstrate its Smart Tone Ticketing solution.

Attendees signed up for a ticket on a Splash site, then received a Smart Tone ticket via email. Once there, the guests' device emitted a Smart Tone with uniquely identifying data packets, which the venue's custom-built app locally received, decoded and authenticated. One-hundred percent of the Smart Tones played were authenticated, some in as quickly in 0.6 seconds – and all without the need for any Wi-Fi, Bluetooth or data connectivity.

Benefits of Smart Tone Ticketing
Mobile-based authentication can be difficult, with QR codes, NFC and a lot of the other existing technologies being expensive and inconvenient. Most require users to purchase and install additional hardware. Then there are also performance and operational issues, such as quick battery usage, lengthy installation processes and limited network range connectivity.

This is why the launch of Smart Tone Ticketing is so exciting, not just for LISNR, but for the opportunities and applications it provides organizations and users across the globe with. In addition to establishing a fast, secure and frictionless check-in process, below are some of the additional advantages of using Smart Tone Ticketing:

  • Low cost: Similar to other types of mobile ticketing solutions, Smart Tones eliminate the need to print paper tickets. However, what really sets Smart Tones aside is that they can be played and received from nearly any device speaker, so no additional hardware, maintenance or upgrades are needed. 
  • Offline authentication: With Smart Tones, encoding and decoding happens locally – no traditional connectivity or device pairing needed. And because LISNR is a closed communication protocol capable of wrapping standard encryption standards of other protocols, it results in the most secure mobile ticketing authentication possible.
  • Personalized experiences: Every Tone has its own unique identifier, allowing businesses to reach and target audiences efficiently and deliver guests with relevant messaging. Push notifications are sent directly to the attendee based on time synchronization or proximity. This real-time solution provides engaging augments to the moments that matter most during live events. 

To learn more about the world's first and most advanced ultrasonic audio solution, check out this video below:

AutoMobili-D showcases LISNR automobile connectivity technology

LISNR demonstrated its automobile connectivity technology at this year's North American International Auto Show in Detroit.

The automobile and transportation industry is at a turning point, undergoing a massive transformation that is rapidly redefining the driver experience and possibilities for the connected car. LISNR is happy to play an important role in this movement.

Every year, the North American International Auto Show brings together the world's top thought leaders, engineers, designers and tech startups to debut cutting-edge technologies and offer a glimpse into the future of mobility. This year, LISNR was among the 50 global tech startups invited to participate in the AutoMobili-D show in Detroit, a unique NAIAS exhibition centered on the automated automotive landscape and the technologies fueling the way forward.

Recently awarded the IoT Breakthrough Award for Innovation of the Year in the Connected Car category, LISNR is advancing automotive automation through seamless authentication and device-to-device connectivity. The high frequency, inaudible communication protocol uses Smart Tones to carry personalized data between digital devices and vehicles using only speaker and microphone functionality – no need for Wi-Fi, Bluetooth or data connectivity. This means users can automatically authenticate and seamlessly synchronize their smartphones to their cars. 

Advancing automotive at the speed of sound
As the world's most advanced ultrasonic communication protocol, Smart Tones enable people to travel with greater connectivity and convenience than ever before. Low-cost, secure and effective, Smart Tones present an expansive array of benefits and application uses, including:

  • Keyless entry and security: Authentication occurs within seconds, allowing drivers to open doors upon arriving at the vehicle without having to fumble with keys or a fob.
  • Personalized experiences: Each Tone generated is unique to the user, meaning once inside the vehicle, the user's custom data and settings are instantly synced. Also, Smart Tones enable relevant messaging, so drivers can be notified of locally relevant deals and discounts. 
  • Fleet management: With Smart Tones, rental car companies, commercial operators and ride-sharing companies can get real-time activity tracking information on their drivers.
  • CarPay: Users can make contactless payments from the comfort of their car. 

Smart Tones introduce a new wave of vehicle functionality and, as it was recently demonstrated at the AutoMobili-D show at this year's NAIAS event, are helping reshape the future of both private and public transportation. 

To learn more about how LISNR is driving connectivity between cars and consumers, check out this video:

LISNR 2016: Year in Review

2016 was a particularly monumental year for LISNR.

As the world's most advanced ultrasonic audio technology, LISNR continues to be at the forefront of innovation, revolutionizing the way data is transmitted and received. 

2016 was a particularly monumental year for LISNR. Smart Tones went through game-changing improvements so that they now are bidirectional, locally generated, 26 times more reliable and capable of handling three times the data throughput. These cutting-edge enhancements have further fastened LISNR as a trailblazer leading the charge toward the Internet of Sound. 

Below are some of the top highlights from this year.

  • Launch of Smart Tone Ticketing: In partnership with Splash, LISNR made the first official debut of its Smart Tone Ticketing solution at the 2016 TechStars FounderCon. The secure, contactless offline mobile-authentication resulted in a quick, frictionless check-in process. But, more than that, the event exemplified the powerful opportunities, benefits and applications Smart Tones present for businesses around the world.
  • CES Innovation Award Honoree: One of the most notable testaments to LISNR being a best-in-class solution for connecting mobile devices and applications is receiving the nomination for the Consumer Technology Associate CES 2017 Innovations Award in the Software and Mobile Apps category. Having only just recently released the 2-way device to device functionality, LISNR is incredibly proud to receive this honor for the first time.
  • SXSW Interactive Awards Finalist: In 2016, LISNR was named a finalist for the SXSW Music & Audio Innovation Award, a recognition that is a nod toward technology that transforms and enhances the way people hear and experience music. This honor came after working with the Budweiser Made in America Music Festival. LISNR powered the Made in America Festival app, delivering concert attendees with a fast check-in process and proximity-based messaging without the need for Wi-Fi, Bluetooth or data connectivity. 

These are just a few of LISNR's greatest accomplishments this year. It is fully expected that LISNR will continue to break new ground and pave the way for the future of the Internet of Sound. To get an ever better idea of the progressiveness LISNR has – and will continue to demonstrate throughout 2017 and beyond – check out this video below:

Getting smart about security: Balancing accessibility with proper authentication

​Smart Tones add another layer of security to the authentication process without impeding accessibility.

We live in a world that is becoming increasingly more connected. For both businesses and individuals, the unprecedented rate at which technological advancements are accelerating is a good thing. Higher levels of connectivity translate to better, easier communications and more convenience. Our world moves fast, so the devices and technology we use for managing the flow of people, processes and information must be up-to-speed. 

Unfortunately, a more connected world also means security is a greater concern. And for most organizations, finding a balance between increased accessibility and stronger authentication has often been challenging. Now, it doesn't have to be.

​LISNR Smart Tones eliminate many of the issues other existing technologies today present. As the world's first ultrasonic audio solution, Smart Tones work in a way that no other product does, providing businesses with opportunities for improvement that weren't possible before.

Achieving simpler and stronger security
Smart Tones use inaudible sound waves to transmit data between digital devices in real time using existing hardware and device infrastructure. Each Tone is unique and encrypted, creating a secure and seamless authentication process within a matter of seconds (or less).

"Automated authentication means instant yet secure accessibility."

As Smashing Magazine pointed out, one of the biggest problems with password authentication today is that it doesn't scale well and just adds one more thing users need to remember. Smart Tones eliminate these burdens. 

Affordable and easy to scale, Smart Tones don't require additional hardware or equipment, allowing any smart device to achieve secure check-in and authentication. Whether it is a wearable, tablet or smartphone, Smart Tones only use the microphone and speakers on a device to connect, and create and decode data to validate a user. In addition, its offline capabilities bypass the need for Wi-Fi or Bluetooth connection or cellular data usage.

A secure offline authentication process means businesses can validate users with more speed, convenience and security than ever before – regardless of the environment or application. Smart Tones can be packaged in many different ways for various industries and purposes. For example: 

  • Building security: Organizations that want certain employees to have access to an otherwise secured environment can use Smart Tones to create as many "keys" as they need. Authenticated users can access secured areas using unique Tone generations. Furthermore, businesses can program these keys these to work only during certain times and renew or expire as necessary.
  • Ticketing: Smart Tones take mobile ticketing to the next level. Some pains associated with mobile ticketing, such as QR codes and emails, include dead zones and overloaded networks limiting usability, as well as the need for specific device compatibility and hardware. They also only tell companies so much about the customer. Smart Tones have offline capabilities that make the authentication process seamless, so the check-in and door entry processing goes a lot faster. Plus, Smart Tones reduce the risk of fraudulent tickets.

Because data doesn't pass over a WiFi or cellular network, and instead uses the microphone and speaker to transmit data over inaudible sound waves, Smart Tones add another layer of security to the authentication process. Whereas the hardware and software of other solutions are vulnerable to attack, LISNR's product combines single-use tones with metadata and tokenization to ensure a completely secure connection, preventing unauthorized access and leaving no sensitive data to be hacked.  

Automating authentication
The more efficient authentication processes are, the smoother operations will go. By eliminating most of the obstacles that hamper today's security protocols and technologies – such as additional hardware requirements, server call identification and heavy central processing unit/battery usage – Smart Tones are able to automate the authentication process, establishing the perfect balance between strong security ease of accessibility.

To get a better idea of how Smart Tones are unlocking the future with the Internet of Sound, check out this video:

A new way to pay: The next-generation of contactless payment technology

Smart Tones present a new way for retailers to make the customer experience more convenient and meaningful.

Successful businesses know that a good customer experience means providing as much convenience as possible. And when contactless payment technology first hit the scene about a decade ago, it presented a new opportunity for businesses to do just that. By eliminating the need for shoppers to dig out their credit card, sort through cash or deal with paper receipts, this innovation has made completing a transaction faster and easier. This, in turn, has made for happier sellers and consumers. 

Mobile payment technology has evolved significantly over the past few years, and is expected to gain more traction in the next year or so. According to eMarketer, in 2017, the value of U.S. proximity mobile payments is expected to hit more than $62 billion – a nearly $34 billion jump from this year – and at least $314 billion by 2020.

"Smart Tones revolutionize the concept of mobile and contactless payments."

Evolution of electronic payments
Without a doubt, contactless payments are the future of transactions. They offer the efficiency merchants need and convenience customers expect. However, they are not without their limitations. Many of the popular types of digital payment technologies – such as near-field communication, Bluetooth and Beacon – have issues that need to be resolved, such as POS system upgrades, device-compatibility requirements and security concerns.

To maintain a competitive advantage in this ever-evolving and rapidly changing environment, businesses must operate with a forward-thinking mindset. This means staying at the forefront of industry trends and innovations and adopting solutions that eradicate the pain points of existing and outdated systems. LISNR is at the forefront of this movement, completely revolutionizing the concept of contactless payments.

Powering frictionless payments
As the world's most advanced data over audio solution, LISNR eliminates issues that normally cause friction and frustration with mobile payments today. Using inaudible sound waves to transfer customizable packets of data, Smart Tones enable close range device-to-device communication and secure transactions. Below are some of the benefits Smart Tones offer merchants:

  • Lower operational costs: Smart Tones use the existing microphone and speaker infrastructure (rather than chip and antenna) present in most mobile devices and POS systems today, so there's no need for merchants to purchase new hardware or equipment, making it incredibly more affordable than other options out there. In addition, the enhanced transactional efficiency Smart Tones facilitate allows businesses to complete more sales. 
  • Security: Security is one of the biggest concerns both consumers and merchants have when it comes to adopting mobile payment technology. However, Smart Tones enable offline authentication between devices. They use single-use keys, metadata and tokenization, making transactions safe and secure. Also, because the tones can be set to expire at a certain time, it offers merchants a way to further reduce the risk of fraudulent transactions. 
  • More flexibility: Smart Tones are compatible with just about every device and the unique tone generations can be used in a wide range of environments. Since there is no need for Wi-Fi, data connectivity or additional hardware, LISNR's technology can easily be deployed and used by almost anyone, at any scale, with a consistently high coverage.

Smart Tones represent the next generation of digital and mobile payment technology, paving the way for merchants to completely transform the transaction experience. By using Smart Tones, companies gain a competitive advantage, stand out in the industry and position themselves as pioneers who truly care about putting the convenience and security of their customers above all else.

To learn more about how LISNR is reshaping the contactless payment movement, watch the video below:

Smart Tones causing massive transformation in automobile technology

Technological advancements in the auto industry are paving the way for a new type of transportation experience.

The way cars are designed and built is redefining the passenger experience. Already, we've entered an era of self-driving, autonomous vehicles. The auto industry, like most others today, is undergoing major changes, with technological advancements and groundbreaking software paving the way for a new type of transportation experience. The main objective for many businesses is to make everything as convenient as possible for the consumer – which means making everything more connected. 

According to Wired, within the next few years, there will be approximately 50 billion Internet-of-Things devices installed across the globe, with a significant portion going to our cars. And considering Americans spend about 280 hours per year in their cars, on average, it's no wonder there is such a demand for the experiences in them to be more connected and personalized. In fact, research conducted by McKinsey and Company revealed that more than 25 percent of consumers find connectivity to be more important than other features, even fuel efficiency and engine power.

Over the past few years, our digital devices have become extensions of ourselves, allowing us to stay connected even while on the go. Although most buyers want, or even expect, their vehicles to have remote connectivity, they aren't without their reservations. For example, McKinsey explained that while Wi-Fi and Bluetooth-enabled functionality allows for data sharing between a person's mobile devices and their automobiles, there is growing concern about the privacy and security implications this integration can present. 

"Technological advancements in the auto industry are paving the way for a new type of transportation experience."

Driving toward innovation
Automakers have already made strides in increasing the efficiency of the internal operations and processes within a vehicle. But the latest advancements in communication solutions are reshaping the way car passengers conduct activities both in and outside the car. Imagine never having to carry keys with you or pull out a credit card when going through a drive-thru. 

This type of simple, seamless and convenient experience is possible with Smart Tone technology. Using high frequency, inaudible "data over audio" sound waves, LISNR has created software that steers the vision of vehicles to a new level of innovation. From automobiles to entire fleets, this connected mobility makes sense for all transportation types. For individuals, it means a more enjoyable ride and for businesses, it means a more efficient and productive one.

Contrary to popular assumption, the connected car doesn't require Bluetooth or Wi-Fi. All Smart Tones need to facilitate automobile connectivity is a smart device, microphone and speaker. As such, it can help ease security concerns among consumers. With multi-factor authentication, the Smart Tones technology adds an extra layer of protection to devices and the transactions that occur between them. And because it uses existing speakers and microphones and doesn't require any additional hardware, it is also more cost-effective compared to other technologies. Additional benefits include:

  • Automatic personalization: Smart Tones play personalized tones and carry personalized data between digital devices and vehicles – meaning the car can immediately adjust to the preferred settings of the driver. Plus, the entire authentication process takes a matter of seconds. 
  • Keyless entry: With Smart Tone software, simply having your device on you can unlock the car. Fleet management companies, rental car businesses and ride-sharing agencies can track the location of vehicles in real time. 
  • Contactless payments: LISNR Smart Tone technology offers CarPay features that make it so drivers don't even have to reach for their credit card when they stop at a gas station, toll booth or drive-thru.

Smart Tone technology demonstrates the type of innovations already available today that can fuel companies forward in making the transportation experience more engaging, efficient and convenient for drivers – and it offers a glimpse into what we can expect the future of automobile connectivity to look like.