Communicating in chat sessions using chat bots to access payment accounts

A system comprising:

• a non-transitory memory storing instructions;
• and
• a processor configured to execute the instructions to cause the system to:
• access, by a chat bot, a first chat text provided in a chat session by a first chat application instance of a first chat account, the chat session hosted by a chat service to facilitate communication between a plurality of chat application instances, the chat bot simulating one of the plurality of chat application instances, the plurality of chat application instances comprising the first chat application instance,
• determine, based on the first chat text, whether to link the first chat account with one of a plurality of payment systems, and
• in response to a determination to link the first chat account with one of the plurality of payment systems,
• select a first payment system from the plurality of payment systems, and
• transmit, via the chat bot, a second chat text to the chat session, the second chat text for causing a first user interface of a first user device hosting the first chat application instance to present a linking login, the linking login for linking the first chat account with a first payment account of the first payment system.

A non-transitory machine-readable medium having instructions stored thereon, the instructions executable to cause performance of operations comprising:

• accessing, by a chat bot, a first chat text provided in a chat session by a first chat application instance of a first chat account, the chat session hosted by a chat service to facilitate communication between a plurality of chat application instances, the chat bot simulating one of the plurality of chat application instances, the plurality of chat application instances comprising the first chat application instance;
• determining, based on the first chat text, whether to link the first chat account with one of a plurality of payment systems;
• and
• in response to a determination to link the first chat account with one of the plurality of payment systems,
• selecting a first payment system from the plurality of payment systems, and
• transmitting, via the chat bot, a second chat text to the chat session, the second chat text for causing a first user interface of a first user device hosting the first chat application instance to present a linking login, the linking login for linking the first chat account with a first payment account of the first payment system.