Systems and methods to manage transaction disputes using predictions based on anomalous data

US11651378B2 · kind B2 · utility

Assignee

• FIDELITY INFORMATION SERVICES, LLC · US

Inventors

• Jeffrey Paul Kubler · Birmingham, US
• Shane Saunders · Milwaukee, US
• Joseph Fredric Sutthoff · Matthews, US
• Joe Leung · Sacramento, US
• Lauren Morrison · Jacksonville, US
• Matthew Petersen · Highlands Ranch, US
• David Raynault · Doraville, US
• Philip J. Ponsaran · Fremont, US

Key dates

• Filing date: Jun 18, 2020
• Grant date: May 16, 2023
• Expiry date: May 1, 2041

Classification

• Technology area (CPC G): Physics
• CPC primary: G06F3/0483
• WIPO field: Computer technology
• WIPO sector: Electrical engineering

Abstract

Disclosed herein are systems and methods for managing transaction disputes. Techniques include accessing a transaction pattern model associated with a user account; detecting deviation of a transaction from the transaction pattern model; transmitting, based on the detected deviation, transaction data to a user device; receiving an input at the user device in response to the transmitted data; generating, based on the received input, dispute data; storing the dispute data; monitoring data extracts associated with the user account; detecting, based on the monitoring, a data extract indicating a posted state of a transaction associated with the dispute data; and updating the dispute data based on the data extract indicating the posted state.