Message Based Payment Card System, Apparatuses, and Method Thereof

A payment card account service method, the method comprising:

• acquiring, via a first communication channel, payment card information associated with a user;
• identifying a payment card account of the user based on the payment card information;
• receiving from the user, via the first communication channel, a command related to a function to be performed with respect to the payment card account;
• and
• transmitting the command, via a second communication channel, to a bank-related network,
• wherein the first communication channel is different from the second communication channel.

At least one non-transitory computer readable storage medium comprising a set of instructions which, when executed by a computing device, cause the computing device to:

• acquire, via a first communication channel, payment card information associated with a user;
• identify a payment card account of the user based on the payment card information;
• receive from the user, via the first communication channel, a command related to a function to be performed with respect to the payment card account;
• and
• transmit the command, via a second communication channel, to a bank-related network,
• wherein the first communication channel is different from the second communication channel.

An artificial intelligence (AI) system comprising:

• a processor;
• and
• logic communicatively coupled to the processor to:
• determine, via a first communication channel, payment card information associated with a user and receive a command related to a function to be performed with respect to a payment card account;
• identify the payment card account of the user based on the payment card information;
• and
• cause a transmitter module to transmit the command, via a second communication channel, to a bank-related network,
• wherein the first communication channel is different from the second communication channel.