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

US11544716B2 · kind B2 · utility

Assignee

• FIDELITY INFORMATION SERVICES, LLC · US

Inventors

• Luis MARTINEZ-GUARNEROS · Wauwatosa, US
• Marc-Edwin Sebastian RIGAUD · Lakeland, US
• Brian R. BEZANSON · Buffalo, US
• William A. Rickard · Aurora, CA
• Timothy Bryan INNES · Novato, US
• Tim Allen PRIEBE · Glendale, US
• Eric Vincent LITTLE · Eatonville, US

Key dates

• Filing date: Jun 11, 2020
• Grant date: Jan 3, 2023
• Expiry date: Jun 11, 2040

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q40/02
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

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.