Supplemental data transmission for network transactions

A system comprising:

• at least one processor;
• and
• a memory communicatively coupled to the at least one processor, the memory storing instructions which, when executed, cause the at least one processor to perform operations comprising:
• detecting transaction data, the transaction data:
• representing a payment to be made by a user to an account of a recipient;
• and
• wherein the transaction data is transmitted, over at least one network, using transaction data layer of a communication channel that provides both the transaction data layer and a supplemental data layer;
• in response to detecting the transaction data transmitted by the transaction data layer of the communication channel, triggering real time communications with the user, wherein the real time communications are Short Message Service (SMS), Multimedia Messaging Service (MMS) messages, or messages sent to an application;
• processing, using the supplemental data layer of the communication channel, data representing certification information indicating that a financial institution certifies a fund for making a certified electronic payment on behalf of the user in real time;
• receiving an authorization of the user to make the certified electronic payment to the account of the recipient, wherein the authorization of the user comprises an authorization of the user to make the certified electronic payment directly as a push payment to the account of the recipient;
• in response to receiving the authorization, transmitting, by at least one processor and using the supplemental data layer of the communication channel, to the account of the recipient, supplemental data comprising (i) payment information indicating that the certified fund is sent to the account of the recipient as the certified electronic payment and (ii) the certification information by using the supplemental data layer of the communication channel,
• wherein transmitting the supplemental data comprises:
• transmitting the certification information in real time in response to detecting the transaction data.

One or more non-transitory computer-readable storage media storing instructions which, when executed, cause at least one processor to perform operations comprising:

• detecting transaction data, the transaction data:
• representing a payment to be made by a user to an account of a recipient;
• and
• wherein the transaction data is transmitted, over at least one network, using transaction data layer of a communication channel that provides both the transaction data layer and a supplemental data layer;
• in response to detecting the transaction data transmitted by the transaction data layer of the communication channel, triggering real time communications with the user, wherein the real time communications are Short Message Service (SMS), Multimedia Messaging Service (MMS) messages, or messages sent to an application;
• processing, using the supplemental data layer of the communication channel, data representing certification information indicating that a financial institution certifies a fund for making a certified electronic payment on behalf of the user in real time;
• receiving an authorization of the user to make the certified electronic payment to the account of the recipient, wherein the authorization of the user comprises an authorization of the user to make the certified electronic payment directly as a push payment to the account of the recipient;
• in response to receiving the authorization, transmitting, by at least one processor and using the supplemental data layer of the communication channel, to the account of the recipient, supplemental data comprising (i) payment information indicating that the certified fund is sent to the account of the recipient as the certified electronic payment and (ii) the certification information by using the supplemental data layer of the communication channel,
• wherein transmitting the supplemental data comprises:
• transmitting the certification information in real time in response to detecting the transaction data.