Systems and methods for processing transaction disputes and processing transactions associated with compromised accounts

Patent metadata

Field	Value
Publication number	US-12586076-B2
Application number	US-202418678038-A
Country	US
Kind code	B2
Filing date	May 30, 2024
Priority date	Jun 11, 2020
Publication date	Mar 24, 2026
Grant date	Mar 24, 2026

Abstract

The present disclosure provides systems and methods for computerized methods and systems for processing transaction disputes and processing transactions associated with compromised accounts. According to one exemplary method, a server receives, from a user device, an instruction for disputing a transaction associated with a user account. The server can initiate, based on a record of the transaction, a dispute investigation, and issue provisional credit to the user account for the transaction. Based on a transaction history associated with the user account, the server can determine a plurality of expected transactions associated with the user account and cause the determined expected transactions to be displayed on the user device. After receiving a transaction authorization for at least one of the plurality of expected transactions, the server can process payments for the at least one of the plurality of expected transactions, and generate a notification indicating a status of the dispute investigation.

First claim

What is claimed is:

1 . A computer-implemented system, comprising:
a non-transitory computer-readable medium configured to store instructions; and a dispute resolution server including at least one processor configured to execute the instructions to perform operations comprising:
monitoring, by the dispute resolution server and using a machine learning algorithm trained on past user transaction behavior in a user account, current user transaction behavior to identify abnormal charges on the user account;
configuring a graphical user interface (GUI) to be presented on a display of a user device associated with the user account, the GUI displaying at least one identified abnormal charge and at least one activation button, wherein each activation button is associated with one abnormal charge;
receiving, based on a user input at the user device through the at least one activation button, a transaction authorization for the at least one abnormal charge; and
processing, using underlying funds connected with the user account, payments for the at least one abnormal charge by sending a processing instruction to a transaction management server, wherein:
the processing instruction includes an instruction for updating payment information, by the dispute resolution server, for a service account associated with a third party; and
updating the payment information by the dispute resolution server includes canceling an existing account number associated with the user account and replacing the existing account number associated with the service account with a replacement account number assigned for the user account.

2 . The system of claim 1 , wherein the operations further comprise:
setting a validity period associated with the updated payment information for the service account.

3 . The system of claim 1 , wherein the sending the processing instruction to the transaction management server comprises:
sending, to the transaction management server, an instruction for acquiring, based on the transaction history, contact information of the third party for display on the user device.

4 . The system of claim 1 , wherein an abnormal charge is identified based on whether a charge is: an out of state charge, an international charge, for an amount that exceeds a pre-set limit, or a duplicative charge.

5 . The system of claim 1 , wherein the operations further comprise:
generating a notification indicating the replacement account number for display on the user device; and transmitting the notification to the user device for display on the user device.

6 . The system of claim 1 , wherein the operations further comprise:
transmitting a notification to the user device, the notification alerting the user to access the GUI to view the abnormal charge, wherein the transmitting is performed prior to the configuring the GUI.

7 . A computer-implemented method, comprising:
monitoring, by a dispute resolution server and using a machine learning algorithm trained on past user transaction behavior in a user account, current user transaction behavior to identify abnormal charges on the user account; configuring a graphical user interface (GUI) to be presented on a display of a user device associated with the user account, the GUI displaying at least one identified abnormal charge and at least one activation button, wherein each activation button is associated with one abnormal charge; receiving, based on a user input at the user device through the at least one activation button, a transaction authorization for the at least one abnormal charge; and processing, using underlying funds connected with the user account, payments for the at least one abnormal charge by sending a processing instruction to a transaction management server, wherein:
the processing instruction includes an instruction for updating payment information, by the dispute resolution server, for a service account associated with a third party; and
updating the payment information by the dispute resolution server includes canceling an existing account number associated with the user account and replacing the existing account number associated with the service account with a replacement account number assigned for the user account.

8 . The method of claim 7 , further comprising:
setting a validity period associated with the updated payment information for the service account.

9 . The method of claim 7 , wherein sending the processing instruction to the transaction management server comprises:
sending, to the transaction management server, an instruction for acquiring, based on the transaction history, contact information of the third party for display on the user device.

10 . The method of claim 7 , wherein an abnormal charge is identified based on whether a charge is: an out of state charge, an international charge, for an amount that exceeds a pre-set limit, or a duplicative charge.

11 . The method of claim 7 , further comprising:
generating a notification indicating the replacement account number for display on the user device; and transmitting the notification to the user device for display on the user device.

12 . The method of claim 7 , further comprising:
transmitting a notification to the user device, the notification alerting the user to access the GUI to view the abnormal charge, wherein the transmitting is performed prior to the configuring the GUI.

13 . A non-transitory computer-readable medium storing instructions that are executable by one or more processors of a device to perform operations comprising:
monitoring, by a dispute resolution server and using a machine learning algorithm trained on past user transaction behavior in a user account, current user transaction behavior to identify abnormal charges on the user account; configuring a graphical user interface (GUI) to be presented on a display of a user device associated with the user account, the GUI displaying at least one identified abnormal charge and at least one activation button, wherein each activation button is associated with one abnormal charge; receiving, based on a user input at the user device through the at least one activation button, a transaction authorization for the at least one abnormal charge; and processing, using underlying funds connected with the user account, payments for the at least one abnormal charge by sending a processing instruction to a transaction management server, wherein:
the processing instruction includes an instruction for updating payment information, by the dispute resolution server, for a service account associated with a third party; and
updating the payment information by the dispute resolution server includes canceling an existing account number associated with the user account and replacing the existing account number associated with the service account with a replacement account number assigned for the user account.

14 . The non-transitory computer-readable medium of claim 13 , wherein the operations further comprise:
setting a validity period associated with the updated payment information for the service account.

15 . The non-transitory computer-readable medium of claim 13 , wherein the sending the processing instruction to the transaction management server comprises:
sending, to the transaction management server, an instruction for acquiring, based on the transaction history, contact information of the third party for display on the user device.

16 . The non-transitory computer-readable medium of claim 13 , wherein an abnormal charge is identified based on whether a charge is

Assignees

• Fidelity Information Services Llc

Inventors

• Martinez-Guarneros Luis
• Rigaud Marc-Edwin Sebastian
• Bezanson Brian R
• Rickard William A
• Innes Timothy Bryan
• Priebe Tim Allen
• Little Eric Vincent

Classifications

• G06Q40/02 Primary

  Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) · CPC title

• G06N20/00

  Machine learning · CPC title

• G06Q20/407 Primary

  Cancellation of a transaction · CPC title

• G06Q20/4016

  involving fraud or risk level assessment in transaction processing · CPC title

• G06Q20/389

  Keeping log of transactions for guaranteeing non-repudiation of a transaction · CPC title