Abstract: A method for processing a plurality of electronic messages comprises, at a messaging hub comprising at least one processor and a memory device in communication with the at least one processor: receiving data relating to at least one rule to be satisfied by combining at least part of the content of respective messages; receiving one or more intent messages followed by one verification message; and, upon receiving a message: updating, in the memory device, intent message data or verification message data depending on the message content; determining from the intent message data and/or the verification message data if the at least one rule has been satisfied; providing a first indication when the at least one rule has been satisfied by the verification message data alone; and providing a second, different, indication when the at least one rule has been satisfied otherwise.

Abstract: The present disclosure relates to enabling payment by installments as desired, on a purchase-by-purchase basis. More specifically, an aspect relates to a computer-implemented method for providing a consumer with the means to set up installment payments from a pre-existing account to complete a transaction, on request. The method includes receiving data indicating a price together with an identifier from a user device, responsive thereto, obtaining one or more sets of installment conditions and transmitting them to the user device, subsequently receiving a simulation according to one of the sets of installment conditions from the user device, responsive thereto, obtaining a pre-authorization of the simulation, obtaining a one-time virtual card number (OTVCN), and transmitting the OTVCN to the user device. Further aspects relate to a computer-readable medium, a computer, and a system.

Abstract: A method for processing a plurality of electronic messages comprises, at a messaging hub comprising at least one processor and a memory device in communication with the at least one processor: receiving data relating to at least one rule to be satisfied by combining at least part of the content of respective messages; receiving one or more intent messages followed by one verification message; and, upon receiving a message: updating, in the memory device, intent message data or verification message data depending on the message content; determining from the intent message data and/or the verification message data if the at least one rule has been satisfied; providing a first indication when the at least one rule has been satisfied by the verification message data alone; and providing a second, different, indication when the at least one rule has been satisfied otherwise.

Abstract: The present disclosure relates to enabling payment by installments as desired, on a purchase-by-purchase basis. More specifically, an aspect relates to a computer-implemented method for providing a consumer with the means to set up installment payments from a pre-existing account to complete a transaction, on request. The method includes receiving data indicating a price together with an identifier from a user device, responsive thereto, obtaining one or more sets of installment conditions and transmitting them to the user device, subsequently receiving a simulation according to one of the sets of installment conditions from the user device, responsive thereto, obtaining a pre-authorization of the simulation, obtaining a one-time virtual card number (OTVCN), and transmitting the OTVCN to the user device. Further aspects relate to a computer-readable medium, a computer, and a system.

Abstract: The present disclosure relates to increasing the speed of usage of digital wallets. A method of processing a digital wallet transaction comprises: receiving a transaction authorisation request message comprising a transaction value and payment credentials for a holding credit line; and responsive thereto, comparing the transaction value to the holding credit line's current balance. A method of conducting a digital wallet transaction comprises: in response to receiving a push notification of a transaction approval indicating that a holding credit line balance is determined to be equal to or to exceed a transaction value, presenting a digital wallet holder with a plurality of funding options for the transaction. The holding credit line balance is the sum of a plurality of account balances for a plurality of accounts associated with the digital wallet. The funding options comprise funding the transaction from one or more of those accounts.