US Patent 10423948 Automated third-party messaging

Embodiments disclosed in this specification include chatbots that can automatically identify payment requests and execute payments within third-party chat applications. A payment-service-system server can include an application acting as an additional participant in a messaging application having two or more other participants. Based on the context of the conversation, the payment-service-system server can identify payment requests, suggest making a payment, and execute the payment without leaving the chat application. There is no need to access a separate web page or application to complete the payment.