Supplemental data transmission for network transactions
US12141764B1 · kind B1 · utility
Assignee
Inventors
Key dates
| Filing date | Oct 30, 2023 |
| Grant date | Nov 12, 2024 |
| Priority date | — |
| Expiry date | Oct 30, 2043 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/3255
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Techniques are described for using a supplemental data layer of a real time payments channel to send data. For example, an entity may request a transaction with another entity, and the transaction may be performed using a channel that includes a supplemental data layer. Supplemental data, in addition to the data for the transaction itself, may be communicated using the supplemental data layer to entities involved in the transaction, and/or to third parties. The supplemental data may be sent in real time with respect to the sending of the data for the transaction. In some instances, supplemental data layer is present in one or both directions in the two-way communications between the entities involved in the transaction. The supplemental data layer can be leveraged to provide additional information and/or services to a user involved in the transaction.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.