Abstract: A method including receiving currency settings from each of two or more issuers. Each of the two or more issuers can issue a different currency. The currency settings for at least one of the two or more issuers can include settings for a virtual currency. The method also can include creating accounts for each of the two or more issuers. The accounts for each of the two or more issuers can be configured to use the currency issued by the issuer. The accounts for each of the two or more issuers can include an issuer account. The accounts for each of the two or more issuers also can include one or more customer accounts associated with customers of the issuer. Balances of the accounts can be stored in a database. The method additionally can include receiving a transaction request. The method further can include processing the transaction request. Processing the transaction request can include decrementing in the database a first balance of a first account.

Abstract: A method including: receiving a message configuration; selecting one or more recipients from among users based on the one or more targeting filters and first profile information about the users; determining one or more communication channels for delivery of the messages to the one or more recipients based on the one or more channel selections and second profile information about each of the one or more recipients; adapting the inputted message for delivery in the first message format and a second message format different from the first message format; determining when to send a first message and the second message based on the one or more triggering conditions; and sending at least one of the first message or the second message through the one or more communication channels to the one or more recipients. Other embodiments are provided.