Abstract: A payment card system including: an artificial intelligence (AI) platform configured to: identify a first payment card account of a cardholder; receive, via a message or messenger-based channel, an inquiry related to a purchase the cardholder desires to make using the first payment card account; interactively communicate with the cardholder via the message or messenger-based channel using artificial intelligence; determine a cost of the purchase relative to the balance of the first payment card account; if the cost of the purchase exceeds the balance of the first payment card account, identify a second payment card account of the cardholder; and initiate creation of a third payment card account that combines at least a portion of the balance of the first payment card account and at least a portion of a balance of the second payment account. The payment card system also includes one or more entities of a bank-related network.

Abstract: A payment card system comprising an artificial intelligence (AI) platform configured to: acquire, via a first communication channel, payment card information associated with a user; identify a payment card account of the user based on the payment card information; receive from the user, via the first communication channel, a command related to a function to be performed with respect to the payment card account; and transmit the command, via a second communication channel, to a remote device in a bank-related network; and the remote device of the bank-related network. The payment card system also comprises a remote device. The remote device comprises: a memory; a receiver configured to receive the command transmitted from the AI platform; and a processor coupled to the memory, the processor configured to: authenticate the user in the bank-related network, wherein the first communication channel is different from the second communication channel.