Abstract: A conversational computing platform can manage credits and other fund transfers from merchants to consumers based on preexisting relationships with the consumers. More specifically, in transactions creating an amount due from a merchant to a consumer, a message may be initiated to the consumer indicating that an amount has been approved for processing, identifying a payment method for the consumer on file with the platform, and asking the consumer to send a response with an approval/authentication code in order to disambiguate the response and initiate the payment to an account of the consumer.

Abstract: A computing platform can manage and facilitate transactions between consumers and merchants using messages exchanged in a single messaging thread. More specifically, the platform may utilize disambiguation of messages within the messaging thread and semantic processing of the contents therein to manage a flow of processing actions for a transaction between a consumer and a merchant.

Abstract: A conversational computing platform can manage transactions such as partial payments from consumers to merchants. More specifically, in transactions creating an amount due from a consumer to a merchant, a message may be transmitted to the consumer with an accounting of the amount due and an option for making partial payment. The message may further identify a payment method for the consumer on file with the platform, and ask the consumer to send a response with an approval/authentication code in order to disambiguate the response from a plurality of other messages and to initiate a partial payment. The platform can then provide an updating accounting to reflect the partial payment.

Abstract: Provided herein are methods and systems for a bill payment platform that enables consumers to make bill payments using simplified methods of communication, such as by using text messages or short messaging service (SMS) messages and the like, through message interfaces provided by the bill payment platform, which may include components for context-based notification, intelligent message interpretation, and regulatory compliance.

Abstract: Provided herein are methods and systems for a bill payment platform that enables consumers to make bill payments using simplified methods of communication, such as by using text messages or short messaging service (SMS) messages and the like, through message interfaces provided by the bill payment platform, which may include components for context-based notification, intelligent message interpretation, and regulatory compliance.