Choice E is correct.
If you need an instant response you probably wouldn't use messaging. The idea of messaging is that you can send messages to other applications and let them process the messages in their own time. For this solution it will be better to use an EJB and directly query the credit card validation server.
Choice A is incorrect as this implies sending a single message such as the credit card request to many subscribers Choice B is possible and if this were to be implemented using messaging then this would be the way to do it. This has a one-one relationship between client application and server application. Choice C is just another way of describing Publish/Subscribe messaging. Choice D describes a way of chatting over the Internet not a messaging model.