Merchants that receive digital payment notifications on a smartphone that is additionally used for other tasks may miss the incoming notification, may not have time to look at the notifications, or may not be able to verify payment receipt when the payment app is turned off or the smartphone loses connectivity. While dedicated speaker devices that provide audible notifications are available, these are proprietary, expensive, difficult to upgrade, and limited to a specific merchant account provider. This disclosure describes techniques that use a lightweight messaging protocol such as Message Queuing Telemetry Transport (MQTT) to provide enhanced digital payment notifications. A universal application that can be installed on any mobile device can implement the protocol and receive notifications from multiple different merchant account payment providers. The universal app that can be installed on any available device eliminates the need for multiple physical speaker devices.
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Aggarwal, Ankit, "Universal App for Receiving Payment Notifications from Digital Payment Providers", Technical Disclosure Commons, (December 19, 2023)