US 12,141,764 B1
Supplemental data transmission for network transactions
Dorothy Jean Bolt, San Antonio, TX (US); Michael L Hertz, San Antonio, TX (US); Joseph Matthew Doddato, Boerne, TX (US); Gunjan C. Vijayvergia, San Antonio, TX (US); and James Malcolm Spears, San Antonio, TX (US)
Assigned to United Services Automobile Association (USAA), San Antonio, TX (US)
Filed by United Services Automobile Association (USAA), San Antonio, TX (US)
Filed on Oct. 30, 2023, as Appl. No. 18/497,596.
Application 18/497,596 is a continuation of application No. 17/410,706, filed on Aug. 24, 2021, granted, now 11,829,960.
Application 17/410,706 is a continuation of application No. 15/915,900, filed on Mar. 8, 2018, granted, now 11,132,653, issued on Sep. 28, 2021.
Claims priority of provisional application 62/469,035, filed on Mar. 9, 2017.
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/02 (2012.01); G06Q 20/32 (2012.01)
CPC G06Q 20/02 (2013.01) [G06Q 20/3255 (2013.01)] 6 Claims
OG exemplary drawing
 
1. A method performed by at least one processor, the method comprising:
detecting, by at least one processor, transaction data, the transaction data:
representing a payment to be made by a user to an account of a recipient, wherein the payment is a certified electronic payment fora bill that is late or due within a specified amount of time; and
wherein the transaction data representing the payment for the bill that is late or due within the specified amount of time 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 the 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 a 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.