Real-time provisioning of targeted, alternative product information based on structured messaging data

A computer-implemented method, comprising:

• receiving, using at least one processor, a message comprising elements of message data disposed within corresponding message fields, the message data characterizing a real-time payment requested by a first counterparty from a second counterparty, and the real-time payment being associated with a first product provisioned to the second counterparty by the first counterparty;
• determining, using the at least one processor, that a second product is available to the second counterparty based on one or more of the elements of the message data;
• transmitting, using the at least one processor, first notification data to a device operable by the second counterparty, the first notification data comprising product data characterizing the second product, and the first notification data causing an application program executed at the device to present at least a portion of the product data within a digital interface;
• and
• receiving, using the at least one processor, a response to the first notification data from the device, and based on the response, performing operations, using the at least one processor, that provision the second product to the second counterparty.

A tangible, non-transitory computer-readable medium storing instructions that, when executed by at least one processor, cause the at least one processor to perform a method, comprising:

• receiving a message comprising elements of message data disposed within corresponding message fields, the message data characterizing a real-time payment requested by a first counterparty from a second counterparty, and the real-time payment being associated with a first product provisioned to the second counterparty by the first counterparty;
• determining that a second product is available to the second counterparty based on one or more of the elements of the message data;
• transmitting notification data to a device operable by the second counterparty, the notification data comprising product data characterizing the second product, and the notification data causing an application program executed at the device to present at least a portion of the product data within a digital interface;
• and
• receiving a response to the notification data from the device, and based on the response, performing operations that provision the second product to the second counterparty.