Systems and methods for providing financial processing in conjunction with instant messaging and other communications

A method for providing financial processing in conjunction with instant messaging (IM) to a user using a user device, the method including:

• an IM bank processing portion conducting chat sessions with users using IM so as to receive financial information from and provide financial information to the users;
• the IM bank processing portion providing for effecting a transaction upon a request of a user;
• and
• the IM bank processing portion monitoring activity of the user relating to input of the user vis-à-vis communications with another user generated on the user device, the IM bank processing portion effecting the transaction based on the monitoring.

A system for providing financial processing, in conjunction with instant messaging (IM), to a user using a user device, the system including:

• an IM bank processing portion that is provided to conduct chat sessions with users using IM so as to receive financial information from and provide financial information to the users, and the IM bank processing portion providing for effecting a transaction upon a request of a user;
• and
• the IM bank processing portion monitoring activity of the user relating to input of the user vis-à-vis IM chat windows displayed on the user device, the IM bank processing portion effecting the transaction based on the monitoring;
• and
• wherein the activity of the user that is monitored includes the user dragging a payment from the chat session window between the user and a bank to the chat session window between the user and another user;
• wherein the dragging the payment includes the graphical generation of an icon depicting the activity;
• wherein the IM bank processing portion includes:
• an IM bank user portion that is disposed on a computer at a bank facility, the IM bank user portion providing for conducting chat sessions with users;
• and
• an IM financial portion, the IM financial portion monitoring the activity of the user relating to input of the user vis-à-vis IM chat windows displayed on the user device;
• and
• wherein the IM bank user portion provides a conduit, using instant messaging technology, between users and a bank processing portion, the bank processing portion performing various processing including at least one selected from the group consisting of effecting transactions, checking balances, ascertaining risk associated with transactions, registering users, checking the registration of users, and related processing.