Acoustic Based Pre-Staged Transaction Processing

A method includes receiving selection of an audible audio clip by a user, receiving transaction details including an indication of an amount and an identification of an account number associated with the user and corresponding to a pre-staged transaction, encoding the transaction details into an inaudible audio clip, and combining the audible audio clip and the inaudible audio clip into a transferrable audio file that when played, identifies the pre-staged transaction for execution. The pre-staged transaction may be initiated by receiving an audio rendering of the audio file, determining a duration and a size of the audible portion, decoding the inaudible portion to determine transaction details, including an amount and account identification, and the duration and size of the audible portion, validating the transaction based on the decoded and determined duration and size of the audible portion matching, and executing the transaction responsive to validation and the decoded transaction details.