Multiple Card Message-Based Payment System, Apparatuses and Method Thereof

A payment card account service method, the method comprising:

• identifying a first payment card account of a user;
• receiving, via a message or messenger-based channel, an inquiry related to a potential purchase using the identified first payment card account;
• interactively communicating with the user via the message or messenger-based channel using artificial intelligence (AI);
• automatically determining a balance of the first payment card account;
• calculating a cost of the potential purchase relative to the balance of the first payment card account;
• if the cost of the potential purchase exceeds the balance of the first payment card account, identifying a second payment card account of the cardholder;
• automatically initiating creation of a third payment card account that combines at least a portion of the balance of the first payment card account and at least a portion of a balance of the second payment account based on communications with a bank-related network;
• and
• transmitting information related to the third payment card account to the user via the message or messenger-based channel.

A payment card account service method, the method comprising:

• identifying a first payment card account of a user;
• automatically communicating with the user via the message or messenger-based channel using artificial intelligence (AI);
• receiving a command from the user to create one of a new payment card or a virtual payment card number;
• identifying a second payment card account of the user;
• automatically initiating creation of the one of the new payment card or virtual payment card number, wherein a balance of the one of the new payment card or virtual payment card number is a combination of at least a portion of a balance of the first payment card account and at least part of a balance of a second payment account;
• and
• transmitting information related to the one of the new payment card or virtual payment card number to the user via the message or messenger-based 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:

• identify a first payment card account of a user;
• receive, via a message or messenger-based channel, an inquiry related to a potential purchase using the identified first payment card account;
• interactively communicate with the user via the message or messenger-based channel using artificial intelligence (AI);
• automatically determine a balance of the first payment card account and calculate a cost of the potential purchase relative to the balance of the first payment card account;
• if the cost of the potential purchase exceeds the balance of the first payment card account, identify a second payment card account of the cardholder;
• automatically initiate creation of a third payment card account that combines at least a portion of the balance of the first payment card account and at least a portion of a balance of the second payment account based on communications with a bank-related network;
• and
• transmit information related to the third payment card account to the user via the message or messenger-based channel.