| CPC G06Q 20/40145 (2013.01) [G06Q 20/047 (2020.05); G06Q 20/3829 (2013.01)] | 21 Claims |

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1. A computer-implemented method, comprising:
receiving a capability request to determine a set of payment capabilities for submission of payments through an intent messaging application implemented on a computing device, wherein the capability request is received during an ongoing communications session between a customer and an integrated voice response (IVR) system;
processing configuration information associated with the computing device to determine a set of capabilities of the computing device to submit payments through a Rich Communication Services (RCS) protocol;
transmitting an availability request to determine an availability of the intent messaging application to provide the payments according to the RCS protocol, wherein when the availability request is received at the intent messaging application, the intent messaging application identifies a present set of payment capabilities associated with the computing device;
determining, based on the present set of payment capabilities, that the computing device is capable of submitting payments through the RCS protocol and during the ongoing communications session;
providing a response to the capability request, wherein the response includes an indication that the computing device supports submitting the payments through the RCS protocol;
receiving a payment request to obtain a payment through the intent messaging application according to the RCS protocol, wherein the payment request is received during the ongoing communications session;
transmitting a payment authorization request during the ongoing communications session, wherein when the payment authorization request is received by the intent messaging application, the intent messaging application generates a prompt for authorization data;
receiving a data packet including the authorization data, wherein the data packet is received through the RCS protocol and during the ongoing communications session; and
initiating a transaction subject to the authorization data, wherein the transaction is used to provide the payment during the ongoing communications session and through the RCS protocol.
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