Message-speed evaluation of event-based contract data

One or more non-transitory computer-readable storage media storing one or more sequences of instructions which, when executed using one or more hardware processors of a message application processor cause the message application processor to perform:

• using a message application processor, programmatically receiving a first request to determine a fee associated with sending a digital electronic message using any one of a plurality of different communication channels, the request comprising at least a product identifier and an organization identifier;
• in response to the request, the message application processor executing:
• extracting the product identifier and the organization identifier from the message;
• based on the organization identifier, retrieving from digital data storage one or more configuration values that are associated with an organization corresponding to the organization identifier;
• the message application processor obtaining a time value corresponding to a then-current time;
• the message application processor querying the digital data storage, based on the product identifier and the time value, an applicable pricing for the message and corresponding to the product identifier and the time value;
• the message application processor causing digitally creating and storing a fee charge record based on the applicable pricing.