Granted Patent B2

US 12,450,673 · App. 16/512,977 · Granted Oct 21, 2025

Inventors: Mark Woelfer (Aliso Viejo, CA); Richard Stopic (San Francisco, CA)

Assignee: Visa International Service Association

G06Q50/182G06Q20/047G06Q20/388

Abstract

Claims (48)

1. A method comprising:

establishing, by a processing server with an authorization provider, a first application programming interface (API) for direct and secure communication between the processing server and the authorization provider,

receiving, by the processing server from the authorization provider over the first API, a first API call including a dispute request initiated on a client computing device pertaining to a conducted transaction, the dispute request including a transaction identifier associated with the conducted transaction, wherein the client computing device is associated with a legitimate user of an account used in the conducted transaction;

determining, by the processing server, a resource provider associated with the conducted transaction based on at least the transaction identifier;

preventing, by the processing server, the dispute request from being forwarded to an acquirer associated with the resource provider for at least a predetermined period of time;

providing, by the processing server to the resource provider via a direct communication link between the processing server and the resource provider, an alert notification indicating the dispute request, the alert notification including at least the transaction identifier, wherein the providing includes:

establishing, by the processing server, a second application programming interface (API) between the processing server and the resource provider, wherein the second API supports the direct communication link between the processing server and the resource provider without getting routed through the acquirer;

transmitting, by the processing server, the alert notification via a second API call over the second API to the resource provider, wherein the second API call is a direct communication between the processing server and the resource provider, without getting routed through the acquirer;

receiving, by the processing server from the resource provider over the second API, information about an authentication method performed by the resource provider in connection with the conducted transaction, the information comprising a copy of an obtained signature during the conducted transaction as part of the authentication method performed by the resource provider;

obtaining, by the processing server from the authorization provider, an electronic version of a signature of the legitimate user;

comparing, by the processing server, the electronic version of the signature to the obtained signature during the conducted transaction received from the resource provider;

calculating, by the processing server, a likelihood of success for the resource provider in the dispute request based on at least the comparing and historical data for similar disputes; and

providing, by the processing server to the resource provider, the likelihood of success;

upon receiving, by the processing server from the resource provider within the predetermined period of time, a credit notification:

monitoring settlement notices for a credit corresponding to the credit notification during a monitoring period; and

upon detecting the credit corresponding to the credit notification within the monitoring period, providing a response to the authorization provider indicating the credit thereby resolving the dispute request without going through the acquirer; and

releasing the dispute request to the acquirer associated with the resource provider upon determining at least one of:

failing to receive, by the processing server from the resource provider within the predetermined period of time, the credit notification, or

failing to detect, by the processing server, the credit corresponding to the credit notification within the monitoring period.

2. The method of claim 1 , wherein the credit is determined to correspond to the credit notification via the transaction identifier.

3. The method of claim 1 , further comprising:

upon detecting the credit corresponding to the credit notification:

receiving, by the processing server, a second dispute request that includes the transaction identifier; and

automatically rejecting the second dispute request.

4. The method of claim 1 , wherein if the processing server receives a do not credit response from the resource provider within the predetermined period of time, the dispute request is released to the acquirer associated with the resource provider before the predetermined period of time expires.

5. A processing server comprising:

a processor; and

a memory including instructions that, when executed with the processor, cause the processing server to, at least:

establish, with an authorization provider, a first application programming interface (API) for direct and secure communication between the processing server and the authorization provider,

receive, from the authorization provider over the first API, a first API call including a dispute request initiated on a client computing device pertaining to a conducted transaction, the dispute request including a transaction identifier associated with the conducted transaction based on at least the transaction identifier, wherein the client computing device is associated with a legitimate user of an account used in the conducted transaction;

determine a resource provider associated with the conducted transaction;

prevent the dispute request from being forwarded to an acquirer associated with the resource provider for at least a predetermined period of time;

provide, to the resource provider via a direct communication link between the processing server and the resource provider, an alert notification indicating the dispute request, the alert notification including at least the transaction identifier, wherein providing includes:

establishing a second application programming interface (API) between the processing server and the resource provider, wherein the second API supports the direct communication link between the processing server and the resource provider without getting routed through the acquirer;

transmitting the alert notification via an second application programming interface call to the resource provider over the second API, wherein the second API call is a direct communication between the processing server and the resource provider, without getting routed through the acquirer;

receiving, from the resource provider over the second API, information about an authentication method performed by the resource provider in connection with the conducted transaction, the information comprising a copy of an obtained signature during the conducted transaction as part of the authentication method performed by the resource provider;

obtaining, from the authorization provider, an electronic version of a signature of the legitimate user;

comparing the electronic version of the signature to the obtained signature during the conducted transaction received from the resource provider;

calculating a likelihood of success for the resource provider in the dispute request based on at least the comparing and historical data for similar disputes; and

providing, to the resource provider, the likelihood of success;

upon receiving, from the resource provider within the predetermined period of time, a credit notification for the conducted transaction:

monitor settlement notices for a credit corresponding to the credit notification during a monitoring period; and

upon detecting the credit corresponding to the credit notification during the monitoring period, provide a response to an authorization provider indicating the credit thereby resolving the dispute request without going through the acquirer; and

release the dispute request to the acquirer associated with the resource provider upon determining at least one of:

failing to receive, from the resource provider within the predetermined period of time, the credit notification, or

failing to detect the credit corresponding to the credit notification within the monitoring period.

6. The processing server of claim 5 ,

wherein the likelihood of success representing a probability that the resource provider will prevail in the dispute request.

Assignments (1)

Continuity (2)

References Cited (60)