Systems and methods to manage transaction disputes using predictions based on anomalous data
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.
1 . A method for generating transaction dispute data, comprising:
detecting a deviation in transaction data;
in response to detecting a deviation, presenting a dispute request interface to a user via a graphical user interface on a user device, wherein the dispute request interface includes:
transaction data; and
an input area configured to receive input information, the input area including one or more interactive graphical user interface elements;
receiving dispute request input from the user device via the dispute request interface, wherein the dispute request input includes information relating to the disputed transaction;
presenting a dispute status to the user on the user device via the dispute request interface;
determining a dispute status update; and
presenting the dispute status update to the user on the user device via the dispute request interface.
2 . The method of claim 1 , wherein detecting the deviation in transaction data is between a transaction and a transaction pattern model, wherein:
the transaction pattern model is trained on user account data; and
the deviation is based on a difference between one or more data elements of the transaction and a corresponding parameter of the transaction pattern model.
3 . The method of claim 1 , wherein detecting the deviation in transaction data is between two or more transactions, wherein the two or more transactions have a threshold degree of similarity to each other.
4 . The method of claim 3 , wherein the threshold degree of similarity is based on each transaction having at least one of: a same transaction date, a same merchant, a same transaction payment method, or a same transaction amount.
5 . The method of claim 3 , wherein the threshold degree of similarity is based on each transaction having at least one of: a transaction date within a threshold number of days of each other, merchants operating in the same industry, merchant names having a threshold number of characters or words in common, or a transaction amount within a threshold amount of each other.
6 . The method of claim 1 , wherein user interface elements are configured to be displayed or interactable based on determining a particular dispute status update.
7 . The method of claim 6 , wherein user interface elements are configured to be displayed or interactable based on determining that the particular dispute status update has been indicated for a predetermined period of time.
8 . The method of claim 1 , wherein the dispute request interface is configured to activate a sensor of the user device.
9 . The method of claim 1 , wherein the information relating to the transaction includes any one or more of: a dispute reason, a transaction amount, an image, an item identifier, or an audio recording.
10 . The method of claim 1 , wherein the dispute status includes a visual indicator showing progress of a dispute.
11 . The method of claim 1 , wherein the dispute status update includes a visual indicator showing progress of a dispute.
12 . A system for generating transaction dispute data, the system comprising:
at least one processor; and
a non-transitory computer-readable medium containing a set of instructions that, when executed by the at least one processor, cause the at least one processor to perform operations comprising:
detecting a deviation in transaction data;
in response to detecting a deviation, presenting a dispute request interface to a user via a graphical user interface on a user device, wherein the dispute request interface includes:
transaction data; and
an input area configured to receive input information, the input area including one or more interactive graphical user interface elements;
receiving dispute request input from the user device via the dispute request interface, wherein the dispute request input includes information relating to the disputed transaction;
presenting a dispute status to the user on the user device via the dispute request interface;
determining a dispute status update; and
presenting the dispute status update to the user on the user device via the dispute request interface.
13 . The system of claim 12 , wherein detecting the deviation in transaction data is between a transaction and a transaction pattern model, wherein:
the transaction pattern model is trained on user account data; and
the deviation is based on a difference between one or more data elements of the transaction and a corresponding parameter of the transaction pattern model.
14 . The system of claim 12 , wherein detecting the deviation in transaction data is between two or more transactions, wherein the two or more transactions have a threshold degree of similarity to each other.
15 . The system of claim 12 , wherein user interface elements are configured to be displayed or interactable based on determining a particular dispute status update.
16 . The system of claim 12 , the information relating to the transaction includes any one or more of: a dispute reason, a transaction amount, an image, an item identifier, or an audio recording.