Conversational payment transactions

1 . A method comprising:

collecting consumer information at a computing platform enabling transactions associated with a consumer, the consumer information including identifying information for one or more accounts of the consumer;

receiving data related to a transaction from a merchant at the computing platform, wherein the data identifies the consumer and the transaction includes a payable between the consumer and the merchant;

analyzing the data from the merchant identifying the transaction and managing one or more processing flows between the consumer and the merchant related to the transaction;

transmitting a first message from the computing platform to a computing device of the consumer, wherein the first message includes a description of the transaction and an amount due to the merchant;

receiving, at the computing platform, a second message from the computing device of the consumer, the second message containing a code for the consumer to specifically authorize a payment using an account from the one or more accounts of the consumer;

using the code, at the computing platform, disambiguating among a plurality of messages, wherein disambiguating among the plurality of messages includes analyzing one or more of a messaging history for the consumer, historical behavior of the consumer, and outstanding transactions for the consumer;

in response to receiving the code, initiating the payment from the account of the consumer to the merchant; and

updating the data related to the transaction on the computing platform reflecting the payment.

2 . The method of claim 1 , wherein the code includes at least one of: a keyword, a PIN code, selection of a presented option, and a verbal authorization from the consumer.

3 . The method of claim 1 , wherein analyzing the data from the merchant identifying the transaction includes an analysis of messaging history and one or more outstanding transactions between the consumer and the merchant.

4 . The method of claim 1 , wherein the transaction includes one of a bill from the merchant to the consumer, or a payment due to the consumer.

5 . The method of claim 1 , wherein one or more of the first message and the second message is a text message.

6 . The method of claim 1 , wherein one or more of the first message and the second message is a short messaging service (SMS) message.

7 . The method of claim 1 , wherein the plurality of messages are found in a single messaging thread.

8 . The method of claim 1 , wherein the first message and the second message are found in a single messaging thread.

9 . The method of claim 1 , wherein disambiguating among the plurality of messages includes a presumption that the consumer is responding to a most recent message.

10 . The method of claim 1 , wherein the first message includes a flow of processing actions for the transaction.

11 . The method of claim 1 , wherein the first message includes an authorization request.

12 . A computing platform comprising:

a memory including a non-volatile computer readable medium;

one or more processors; and

non-transitory computer executable code embodied in the non-volatile computer readable medium of the memory, the non-transitory computer executable code executable by the one or more processors to:

collect consumer information enabling transactions associated with a consumer, the consumer information including identifying information for one or more accounts of the consumer;

receive data related to a transaction from a merchant, wherein the data identifies the consumer and the transaction includes a payable between the consumer and the merchant;

analyze the data from the merchant identifying the transaction and managing one or more processing flows between the consumer and the merchant related to the transaction;

transmit a first message to a computing device of the consumer, wherein the first message includes a description of the transaction and an amount due to the merchant;

receive a second message from the computing device of the consumer, the second message containing a code for the consumer to specifically authorize a payment using an account from the one or more accounts of the consumer;

using the code, disambiguate among a plurality of messages, wherein disambiguating among the plurality of messages includes analyzing one or more of a messaging history for the consumer, historical behavior of the consumer, and outstanding transactions for the consumer;

in response to receiving the code, initiate the payment from the account of the consumer to the merchant; and

update the data related to the transaction reflecting the payment.

13 . The computing platform of claim 12 , wherein the code includes at least one of: a keyword, a PIN code, selection of a presented option, and a verbal authorization from the consumer.

14 . The computing platform of claim 12 , wherein analyzing the data from the merchant identifying the transaction includes an analysis of messaging history and one or more outstanding transactions between the consumer and the merchant.

15 . The computing platform of claim 12 , wherein the transaction includes one of a bill from the merchant to the consumer, or a payment due to the consumer.

16 . The computing platform of claim 12 , wherein one or more of the first message and the second message is at least one of a text message and a short messaging service (SMS) message.

17 . The computing platform of claim 12 , wherein the plurality of messages are found in a single messaging thread.

18 . The computing platform of claim 12 , wherein the first message and the second message are found in a single messaging thread.

19 . The computing platform of claim 12 , wherein disambiguating among the plurality of messages includes a presumption that the consumer is responding to a most recent message.

20 . The computing platform of claim 12 , wherein the first message includes at least one of a flow of processing actions for the transaction and an authorization request.