Abstract: A computer-implemented method for routing and analyzing messages is disclosed. The method comprises monitoring messages associated with a messaging application running on a messaging device; detecting at least one message marked for routing and analysis; and sending each message marked for routing and analysis to an routing and analysis server or 3rd party system directly for storage in association with a user account.

Abstract: Embodiments may relate to a cloud-based messaging system for making mobile payments for retail purchases. Some embodiments may include a plurality of networked computers defining an access layer which may operate on a predetermined platform. The access layer may be adapted to receive messages from at least one remote server performing subscription verification functions, and route the messages to predetermined point-of-sale computers. The access layer may be further adapted to receive messages from the predetermined point-of-sale computers and route the messages to at least one consumer-side application through the at least one remote server. The point-of-sale computers may include a client application adapted to receive messages through the messaging system of the access layer, take actions in response to the messages received, and send messages through the messaging system of the access layer to the consumer-side application.