Abstract: A method for processing payment. The method includes receiving, by a payment service, a payment text message comprising a payment amount and an identifier of a payee mobile device, validating the payment text message based on a payer balance of a virtual payer account maintained by the payment service for the payer, creating, by the payment service and in response to the payment text message, a virtual payee account based on the identifier of the payee mobile device, transferring, in response to creating the virtual payee account, the payment amount from the virtual payer account to the virtual payee account, and sending, by the payment service to the payee mobile device, a notification text message to notify the payee regarding a payee balance of the virtual payee account, wherein the payee balance is determined based at least on the payment amount.

Abstract: A method for sending a message using a platform comprises: receiving, by the platform, a request comprising at least one target, a time, and a content, the time is identifying when the message will be delivered. The method further comprises identifying a time zone of the target, calculating, by the processor, when the time will occur in the time zone of the target to determine a delay, storing the request and the delay, determining that the delay has expired, generating the message for the at least one target wherein a payload in the message is based on the content, and sending, in response to determining, the message to the target.