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.

Abstract: Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for obtaining a distributed blockchain encoding automated clearing house (ACH) authorization data associated with one or more prior transactions to provide a local copy of the distributed blockchain, receiving ACH authorization data associated with a first transaction, validating the ACH authorization data associated with the first transaction to obtain validation information corresponding to the first ACH authorization data associated with the first transaction, updating the local copy of the distributed blockchain with the validation information, and broadcasting the validation information to multiple nodes.

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.