In The Name of Allah, The Most Beneficent, The Most Merciful.
Sunni view: It is permissible for a Muslim man to chat with a Muslim woman as long as that does not lead them to sin. The permissibility depends on the intention.
Allah almighty, may he be glorified and exalted, says regarding dating (having female friends) (interpretation of the meaning) :
There is no blame upon you for that to which you [indirectly] allude
concerning a proposal to women or for what you conceal within
yourselves. Allah knows that you will have them in mind. But do not
promise them secretly except for saying a proper saying. And do not
determine to undertake a marriage contract until the decreed period
reaches its end. And know that Allah knows what is within yourselves,
so beware of Him. And know that Allah is Forgiving and Forbearing.
[2:235]
Scholars have stated that this verse gives men the permission to express their desires and to say things like: "I desire someone like you.", "You're so beautiful.", "I don't want to marry anyone but you!", "If Allah unites us lawfully, I would like that" etc.
Ibn Abbas, Mujahid, Sa`id bin Jubayr, As-Suddi, Ath-Thawri and Ibn
Zayd said that the Ayah means to indirectly refer to marriage, such as
saying, "I desire someone like you." [Ibn Kathir]
You would not be at fault regarding the proposal you present or hide
in your hearts to women. God knows that you will be mindful of them;
but do not make arrangements with them secretly, unless you speak
honorable words.
What this permits includes seeking affection and laying the groundwork
for the state of union. What it forbids is doing prohibited sinful
acts or preparing for such an act. [Al-Qushairi]
You may exchange gifts with her and talk with her properly in public places but touching her or kissing her is not permissible.
And what I or we will have to do now?
The best thing for both of you is to get married. Tell your parents and her parents and if both parties agree, then get married. If that is not possible, then don't meet with her alone. It may lead you to sin.
Narrated by Umar ibn al-Khattab, Messenger of Allaah {Sallallahu
Alayhi Wa Sallam} said: "Whenever a man is alone with a woman shaytan
makes a third." [Al-Tirmidhi 3118]
Shia view: It is permissible for you to chat with her if it's not with the intention of last and chatting with her does not lead any of you to sin. For more details, refer to, Rules of Shia Islam regarding socializing.
And what I or we will have to do now?
You may contract nikah Mut'ah with her and then it would be legitimate for you to meet her, go on dates with her, flirt with her and even have sex with her. For more, see conditions of nikah Mut'ah.