Methods and systems for dispute resolution in public blockchains

Abstract

To provide a dispute resolution method for a blockchain transaction.SOLUTION: A method includes the steps of: receiving, from a first computing device, a dispute request including a blockchain transaction identifier and a reason code; identifying a blockchain data value included in a blockchain; determining reversal eligibility of the blockchain data value based on application of one or more reversal rules to at least one of transaction data included in the blockchain data value or external data identified from the transaction data included in the blockchain data value; performing a dispute resolution process for the blockchain data value; and transmitting a seller digital signature and a currency amount to a node in a blockchain network associated with the blockchain.SELECTED DRAWING: Figure 1

Description

Technical Field

[0001] The present disclosure relates to dispute resolution for blockchain transactions, and more particularly to a dispute resolution process between a seller and a consumer, which results in a new blockchain transaction that achieves a rollback of the blockchain transaction in dispute.

[0002] Cross - Reference to Related Applications This application claims the benefit and priority of U.S. Patent Application No. 16 / 142,216, filed on September 26, 2018. The entire disclosure of the application referenced above is hereby incorporated by reference herein.

[0003] Blockchains were created as an alternative to standard fiat currency transactions, providing consumers with a greater degree of anonymity and protection against fraud and theft. However, one advantage of blockchains, which enables operation with a high degree of security, immutability, can also pose the following potential problem: the inability to reverse a transaction. In traditional payment transactions processed by a payment network, over the decades, a well - defined chargeback process (reversal of a payment) has been used to reverse a transaction, wherein the processed transaction is rolled back and funds are returned to the purchaser's transaction account. To enhance this process, often the payment network provides additional services to sellers and consumers regarding rollback, such as, for example: when making a decision Accepting evidence from both parties and tracking chargebacks made against sellers, and increasing the processing fee for sellers with an increasing tendency of chargebacks to motivate them to provide more reliable

[0004] In a blockchain, the data of processed transactions cannot be changed. Also, there is no mechanism to force any party to conduct a payment transaction. As a result, there is no available solution for providing chargebacks for blockchain transactions. Therefore, technical improvements are needed for the blockchain system, and a system that enables the issuance of chargebacks for blockchain transactions and can provide consumers with the same protection as provided under traditional payment transaction systems is desired.

Summary of the Invention

[0005] The present disclosure provides an explanation of a system and a method for dispute resolution regarding blockchain transactions. A third-party system operating in a similar manner to the payment network for traditional fiat currency transactions conducts dispute resolution processing between consumers and sellers involved in blockchain transactions. As part of the dispute resolution processing, the third party has the ability to enforce payment from the seller to the consumer, for example, by receiving a digital signature from the seller or using a smart contract driven based on the result of the dispute resolution processing. In some cases, the third party It is possible to utilize the dispute resolution rules used in traditional payment transactions, and the disputes may also include taking into account the traditional transaction-related sales performance of the seller involved in the blockchain transaction. As a result, for its own non-fungible currency or blockchain transaction, sanctions can be imposed on the seller based on any type of currency-charged-back transaction, and it is possible to provide stronger incentives for the seller to conduct trustworthy transactions and seek amicable dispute resolution with consumers.

[0006] The disclosed dispute resolution method for blockchain transactions includes the following steps: receiving a dispute request from a first computing device by a receiving unit of a processing server, where the dispute request includes at least a blockchain transaction identifier and a reason code; identifying blockchain data values included in the blockchain by a processing device of the processing server, where the blockchain data values include at least the blockchain transaction identifier and a seller blockchain address and a currency amount; and determining, by the processing device of the processing server, the rollback eligibility for the blockchain data values based on applying one or more rollback rules to at least one of transaction data included in the blockchain data values or external data identified from the transaction data included in the blockchain data values. A step of performing conflict resolution processing on the blockchain data value by the processing device of the processing server, where the conflict resolution processing includes at least receiving a seller digital signature from a second computing device by the receiving unit of the processing server and a step of transmitting, by a transmission unit of the processing server, at least the seller digital signature and the currency amount to nodes in a blockchain network associated with the blockchain The conflict resolution system for disclosed blockchain transactions includes the following elements: a receiving unit of a processing server configured to receive a conflict request from a first computing device, where the conflict request includes at least a blockchain transaction identifier and a reason code a processing device of the processing server, including a step of identifying a blockchain data value included in the blockchain, where the recorded blockchain data value includes at least the blockchain transaction identifier, a seller blockchain address, and a currency amount a step of determining the rollback eligibility for the blockchain data value based on applying one or more rollback rules to at least one of the transaction data included in the blockchain data value or external data identified from the transaction data included in the blockchain data value a step of performing conflict resolution processing on the blockchain data value, where the conflict resolution processing includes at least receiving a seller digital signature from a second computing device by the receiving unit of the processing server

[0007] and a step of transmitting, by a transmission unit of the processing server, at least the seller digital signature and the currency amount to nodes in a blockchain network associated with the blockchain The conflict resolution system for disclosed blockchain transactions includes the following elements: a receiving unit of a processing server configured to receive a conflict request from a first computing device, where the conflict request includes at least a blockchain transaction identifier and a reason code a processing device of the processing server, including a step of identifying a blockchain data value included in the blockchain, where the recorded blockchain data value includes at least the blockchain transaction identifier, a seller blockchain address, and a currency amount a step of determining the rollback eligibility for the blockchain data value based on applying one or more rollback rules to at least one of the transaction data included in the blockchain data value or external data identified from the transaction data included in the blockchain data value a step of performing conflict resolution processing on the blockchain data value, where the conflict resolution processing includes at least receiving a seller digital signature from a second computing device by the receiving unit of the processing server and a step of transmitting, by a transmission unit of the processing server, at least the seller digital signature and the currency amount to nodes in a blockchain network associated with the blockchain The conflict resolution system for disclosed blockchain transactions includes the following elements: a receiving unit of a processing server configured to receive a conflict request from a first computing device, where the conflict request includes at least a blockchain transaction identifier and a reason code a processing device of the processing server, including a step of identifying a blockchain data value included in the blockchain, where the recorded blockchain data value includes at least the blockchain transaction identifier, a seller blockchain address, and a currency amount a step of determining the rollback eligibility for the blockchain data value based on applying one or more rollback rules to at least one of the transaction data included in the blockchain data value or external data identified from the transaction data included in the blockchain data value a step of performing conflict resolution processing on the blockchain data value, where the conflict resolution processing includes at least receiving a seller digital signature from a second computing device by the receiving unit of the processing server and a step of transmitting, by a transmission unit of the processing server, at least the seller digital signature and the currency amount to nodes in a blockchain network associated with the blockchain a step of performing conflict resolution processing on the blockchain data value, where the conflict resolution processing includes at least receiving a seller digital signature from a second computing device by the receiving unit of the processing server Receiving a seller digital signature from a second computing device by the receiving unit of the server A processing device configured to include at least steps, and at least The seller digital signature and the currency amount are associated with the blockchain and sent to nodes within the blockchain network The transmitting unit of the processing server configured to do so .

Brief Description of the Drawings

[0008] The scope of the present disclosure, when interpreted together with the accompanying drawings, is best understood from the following detailed description of exemplary embodiments. The drawings include the following figures .

[0009]

Figure 1

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[0010] Further application fields of the present disclosure are apparent from the following detailed description. The detailed description of the exemplary embodiments is intended for illustrative purposes only and is not intended to limit the scope of the present disclosure . Not

Best Mode for Carrying Out the Invention

[0011] Glossary of Terms Blockchain: A public ledger of all transactions of a blockchain-based currency. One or more computer devices may include a blockchain network, which may be configured to process and record transactions as part of the blocks in the blockchain. Once a block is completed, the block is added to the blockchain, and thus the transaction record is updated. In many embodiments, the blockchain may be a ledger of transactions in chronological order, or presented in any other order suitable for use by the blockchain network. In some embodiments, the transactions recorded in the blockchain may include a destination address and a currency amount. This allows the blockchain to record how much currency belongs to a particular address. In some embodiments, the transactions may or may not be financial-related, and may include additional information or different information (e.g., source address, timestamp, etc.). In some embodiments, the blockchain may additionally or alternatively include, in the form of transactions, substantially any type of data (which is placed or needs to be placed in a distributed database that maintains a continuously increasing list of data records that are strengthened against tampering or revision). Or the blockchain may be confirmed and validated by the blockchain network by proof of work and / or any other suitable verification technique associated therewith. Once a block is completed, the block is added to the blockchain, and thus the transaction record is updated. Once a block is completed, the block is added to the blockchain, and thus the transaction record is updated. Once a block is completed, the block is added to the blockchain, and thus the transaction record is updated. In many embodiments, the blockchain may be a ledger of transactions in chronological order, or presented in any other order suitable for use by the blockchain network. In many embodiments, the blockchain may be a ledger of transactions in chronological order, or presented in any other order suitable for use by the blockchain network. In many embodiments, the blockchain may be a ledger of transactions in chronological order, or presented in any other order suitable for use by the blockchain network. In some embodiments, the transactions recorded in the blockchain may include a destination address and a currency amount. This allows the blockchain to record how much currency belongs to a particular address. In some embodiments, the transactions may or may not be financial-related, and may include additional information or different information (e.g., source address, timestamp, etc.). In some embodiments, the transactions may or may not be financial-related, and may include additional information or different information (e.g., source address, timestamp, etc.). In some embodiments, the blockchain may additionally or alternatively include, in the form of transactions, substantially any type of data (which is placed or needs to be placed in a distributed database that maintains a continuously increasing list of data records that are strengthened against tampering or revision). In some embodiments, the blockchain may additionally or alternatively include, in the form of transactions, substantially any type of data (which is placed or needs to be placed in a distributed database that maintains a continuously increasing list of data records that are strengthened against tampering or revision). In some embodiments, the blockchain may additionally or alternatively include, in the form of transactions, substantially any type of data (which is placed or needs to be placed in a distributed database that maintains a continuously increasing list of data records that are strengthened against tampering or revision). Or the blockchain may be confirmed and validated by the blockchain network by proof of work and / or any other suitable verification technique associated therewith. Or the blockchain may be confirmed and validated by the blockchain network by proof of work and / or any other suitable verification technique associated therewith. It may be. In some embodiments, data about a given transaction may further , additional data that is not a direct part of the transaction added to the transaction data may be included. In some embodiments, including such data in the blockchain may constitute a transaction. In such embodiments, the blockchain need not be directly associated with a particular digital currency, virtual currency, fiat currency or other type of currency.

[0012] Payment network: A system or network used for fund transfer by the use of cash substitutes for thousands, millions or billions of transactions during a given period. The payment network may process fund transfers for various types of transactions using various different protocols and procedures. Transactions executed via the payment network may include purchases of goods or services, credit purchases, debit transactions, fund transfers , account withdrawals, etc. The payment network may be configured to execute transactions by cash substitutes, which may include payment cards, letters of credit, checks, transaction accounts, etc. Examples of networks or systems configured to operate as a payment network include those operated by MasterCard®, VISA®, Discover®, American Express®, PayPal®, etc. The term "payment network" in this document refers to the payment network as an entity and the physical payment network (e.g., the payment network that constitutes a payment network ), credit introductions, checks, transaction accounts, etc. The payment network may be configured to execute transactions by cash substitutes, which may include payment cards, letters of credit, checks, transaction accounts, etc. Examples of networks or systems configured to operate as a payment network include those operated by MasterCard®, VISA®, Discover®, American Express®, PayPal®, etc. The term "payment network" in this document refers to the payment network as an entity and the physical payment network (e.g., the payment network that constitutes a payment network ), credit introductions, checks, transaction accounts, etc. The payment network may be configured to execute transactions by cash substitutes, which may include payment cards, letters of credit, checks, transaction accounts, etc. Examples of networks or systems configured to operate as a payment network include those operated by MasterCard®, VISA®, Discover®, American Express®, PayPal®, etc. The term "payment network" in this document refers to the payment network as an entity and the physical payment network (e.g., the payment network that constitutes a payment network can refer to both (devices, hardware, and software).

[0013] Payment Rail: Infrastructure associated with a payment network used in processing payment transactions and communicating transaction messages and other similar data. The communication is between the payment network and other entities interconnected with the payment network that processes thousands, millions, or billions of transactions during a given period. The payment rail may include hardware used to establish the interconnection between the payment network and between the payment network and other related entities (such as financial institutions, gateway processors, etc.). In some embodiments, the payment rail may also be affected by software (e.g., by specially programming the communication hardware and devices including the payment rail). For example, the payment rail may include a specially configured computing device that is specially configured to route (designate a path for) transaction messages. The transaction message may be a specially formatted data message that is electronically transmitted via the payment rail as described in detail below. Infrastructure associated with a payment network used in processing payment transactions and communicating transaction messages and other similar data. The communication is between the payment network and other entities interconnected with the payment network that processes thousands, millions, or billions of transactions during a given period. The payment rail may include hardware used to establish the interconnection between the payment network and between the payment network and other related entities (such as financial institutions, gateway processors, etc.). In some embodiments, the payment rail may also be affected by software (e.g., by specially programming the communication hardware and devices including the payment rail). For example, the payment rail may include a specially configured computing device that is specially configured to route (designate a path for) transaction messages. The transaction message may be a specially formatted data message that is electronically transmitted via the payment rail as described in detail below. Infrastructure associated with a payment network used in processing payment transactions and communicating transaction messages and other similar data. The communication is between the payment network and other entities interconnected with the payment network that processes thousands, millions, or billions of transactions during a given period. The payment rail may include hardware used to establish the interconnection between the payment network and between the payment network and other related entities (such as financial institutions, gateway processors, etc.). In some embodiments, the payment rail may also be affected by software (e.g., by specially programming the communication hardware and devices including the payment rail). For example, the payment rail may include a specially configured computing device that is specially configured to route (designate a path for) transaction messages. The transaction message may be a specially formatted data message that is electronically transmitted via the payment rail as described in detail below. Infrastructure associated with a payment network used in processing payment transactions and communicating transaction messages and other similar data. The communication is between the payment network and other entities interconnected with the payment network that processes thousands, millions, or billions of transactions during a given period. The payment rail may include hardware used to establish the interconnection between the payment network and between the payment network and other related entities (such as financial institutions, gateway processors, etc.). In some embodiments, the payment rail may also be affected by software (e.g., by specially programming the communication hardware and devices including the payment rail). For example, the payment rail may include a specially configured computing device that is specially configured to route (designate a path for) transaction messages. The transaction message may be a specially formatted data message that is electronically transmitted via the payment rail as described in detail below. Infrastructure associated with a payment network used in processing payment transactions and communicating transaction messages and other similar data. The communication is between the payment network and other entities interconnected with the payment network that processes thousands, millions, or billions of transactions during a given period. The payment rail may include hardware used to establish the interconnection between the payment network and between the payment network and other related entities (such as financial institutions, gateway processors, etc.). In some embodiments, the payment rail may also be affected by software (e.g., by specially programming the communication hardware and devices including the payment rail). For example, the payment rail may include a specially configured computing device that is specially configured to route (designate a path for) transaction messages. The transaction message may be a specially formatted data message that is electronically transmitted via the payment rail as described in detail below. Infrastructure associated with a payment network used in processing payment transactions and communicating transaction messages and other similar data. The communication is between the payment network and other entities interconnected with the payment network that processes thousands, millions, or billions of transactions during a given period. The payment rail may include hardware used to establish the interconnection between the payment network and between the payment network and other related entities (such as financial institutions, gateway processors, etc.). In some embodiments, the payment rail may also be affected by software (e.g., by specially programming the communication hardware and devices including the payment rail). For example, the payment rail may include a specially configured computing device that is specially configured to route (designate a path for) transaction messages. The transaction message may be a specially formatted data message that is electronically transmitted via the payment rail as described in detail below. Infrastructure associated with a payment network used in processing payment transactions and communicating transaction messages and other similar data. The communication is between the payment network and other entities interconnected with the payment network that processes thousands, millions, or billions of transactions during a given period. The payment rail may include hardware used to establish the interconnection between the payment network and between the payment network and other related entities (such as financial institutions, gateway processors, etc.). In some embodiments, the payment rail may also be affected by software (e.g., by specially programming the communication hardware and devices including the payment rail). For example, the payment rail may include a specially configured computing device that is specially configured to route (designate a path for) transaction messages. The transaction message may be a specially formatted data message that is electronically transmitted via the payment rail as described in detail below. Infrastructure associated with a payment network used in processing payment transactions and communicating transaction messages and other similar data. The communication is between the payment network and other entities interconnected with the payment network that processes thousands, millions, or billions of transactions during a given period. The payment rail may include hardware used to establish the interconnection between the payment network and between the payment network and other related entities (such as financial institutions, gateway processors, etc.). In some embodiments, the payment rail may also be affected by software (e.g., by specially programming the communication hardware and devices including the payment rail). For example, the payment rail may include a specially configured computing device that is specially configured to route (designate a path for) transaction messages. The transaction message may be a specially formatted data message that is electronically transmitted via the payment rail as described in detail below. Infrastructure associated with a payment network used in processing payment transactions and communicating transaction messages and other similar data. The communication is between the payment network and other entities interconnected with the payment network that processes thousands, millions, or billions of transactions during a given period. The payment rail may include hardware used to establish the interconnection between the payment network and between the payment network and other related entities (such as financial institutions, gateway processors, etc.). In some embodiments, the payment rail may also be affected by software (e.g., by specially programming the communication hardware and devices including the payment rail). For example, the payment rail may include a specially configured computing device that is specially configured to route (designate a path for) transaction messages. The transaction message may be a specially formatted data message that is electronically transmitted via the payment rail as described in detail below. Infrastructure associated with a payment network used in processing payment transactions and communicating transaction messages and other similar data. The communication is between the payment network and other entities interconnected with the payment network that processes thousands, millions, or billions of transactions during a given period. The payment rail may include hardware used to establish the interconnection between the payment network and between the payment network and other related entities (such as financial institutions, gateway processors, etc.). In some embodiments, the payment rail may also be affected by software (e.g., by specially programming the communication hardware and devices including the payment rail). For example, the payment rail may include a specially configured computing device that is specially configured to route (designate a path for) transaction messages. The transaction message may be a specially formatted data message that is electronically transmitted via the payment rail as described in detail below. Infrastructure associated with a payment network used in processing payment transactions and communicating transaction messages and other similar data. The communication is between the payment network and other entities interconnected with the payment network that processes thousands, millions, or billions of transactions during a given period. The payment rail may include hardware used to establish the interconnection between the payment network and between the payment network and other related entities (such as financial institutions, gateway processors, etc.). In some embodiments, the payment rail may also be affected by software (e.g., by specially programming the communication hardware and devices including the payment rail). For example, the payment rail may include a specially configured computing device that is specially configured to route (designate a path for) transaction messages. The transaction message may be a specially formatted data message that is electronically transmitted via the payment rail as described in detail below. Infrastructure associated with a payment network used in processing payment transactions and communicating transaction messages and other similar data. The communication is between the payment network and other entities interconnected with the payment network that processes thousands, millions, or billions of transactions during a given period. The payment rail may include hardware used to establish the interconnection between the payment network and between the payment network and other related entities (such as financial institutions, gateway processors, etc.). In some embodiments, the payment rail may also be affected by software (e.g., by specially programming the communication hardware and devices including the payment rail). For example, the payment rail may include a specially configured computing device that is specially configured to route (designate a path for) transaction messages. The transaction message may be a specially formatted data message that is electronically transmitted via the payment rail as described in detail below. Infrastructure associated with a payment network used in processing payment transactions and communicating transaction messages and other similar data. The communication is between the payment network and other entities interconnected with the payment network that processes thousands, millions, or billions of transactions during a given period. The payment rail may include hardware used to establish the interconnection between the payment network and between the payment network and other related entities (such as financial institutions, gateway processors, etc.). In some embodiments, the payment rail may also be affected by software (e.g., by specially programming the communication hardware and devices including the payment rail). For example, the payment rail may include a specially configured computing device that is specially configured to route (designate a path for) transaction messages. The transaction message may be a specially formatted data message that is electronically transmitted via the payment rail as described in detail below.

[0014] Transaction Account - A financial account (such as a current deposit account, a savings account, a credit account, a virtual payment account, etc.) used to supply funds to a transaction. The transaction account may be associated with a consumer, which may be any suitable type of entity (including individuals, families, companies, corporations, government entities, etc.) associated with the payment account. Transaction Account - A financial account (such as a current deposit account, a savings account, a credit account, a virtual payment account, etc.) used to supply funds to a transaction. The transaction account may be associated with a consumer, which may be any suitable type of entity (including individuals, families, companies, corporations, government entities, etc.) associated with the payment account. Transaction Account - A financial account (such as a current deposit account, a savings account, a credit account, a virtual payment account, etc.) used to supply funds to a transaction. The transaction account may be associated with a consumer, which may be any suitable type of entity (including individuals, families, companies, corporations, government entities, etc.) associated with the payment account. Transaction Account - A financial account (such as a current deposit account, a savings account, a credit account, a virtual payment account, etc.) used to supply funds to a transaction. The transaction account may be associated with a consumer, which may be any suitable type of entity (including individuals, families, companies, corporations, government entities, etc.) associated with the payment account. Transaction Account - A financial account (such as a current deposit account, a savings account, a credit account, a virtual payment account, etc.) used to supply funds to a transaction. The transaction account may be associated with a consumer, which may be any suitable type of entity (including individuals, families, companies, corporations, government entities, etc.) associated with the payment account. In some embodiments, the transaction... A Yon account may be virtual (e.g., an account operated by PayPal (registered trademark), etc.). ) and the like.

[0015] A seller is an entity that provides goods (e.g., goods and / or services) for purchase by other entities (e.g., consumers or other sellers). A seller may be, as would be apparent to one of ordinary skill in the art, a consumer, retailer, wholesaler, manufacturer, or any other type of entity that provides products for purchase. In some embodiments, the seller may have special knowledge about the goods and / or services provided for purchase. In other embodiments, the seller may not have or require special knowledge about the goods provided. In some embodiments, an entity involved in a single transaction may be considered a seller. In some embodiments, as disclosed herein, the term "seller" may refer to the equipment or apparatus of the seller entity.

[0016] An issuer is an entity that establishes (e.g., opens) a letter of credit or line of credit for a beneficiary and accepts drafts drawn by the beneficiary against the amount specified in the letter of credit or line of credit. In many embodiments, the issuer may be a bank or other financial institution authorized to open a line of credit. In some embodiments, any entity capable of extending a line of credit to a beneficiary may be considered an issuer. A line of credit opened by an issuer may be presented in the form of a payment account and may be drawn by the beneficiary by using a payment card. The issuer may also provide additional types of payment accounts (e.g., ​​​​​​​​​​​​​For example, debit accounts, prepaid accounts, electronic wallet accounts, savings deposits, current accounts, etc.) may be provided to consumers, and physical or non-physical means for consumers to access and / or use such accounts (e.g., debit cards, prepaid cards, ATM cards, electronic wallets, checks, etc.) may be provided. This is obvious to those skilled in the art.

[0017] Payment transaction - A transaction between two entities in which funds or other monetary benefits are exchanged from one entity to the other. As is obvious to those skilled in the art, a payment transaction can be a fund transfer for the purchase of goods or services, the repayment of a debt, or any other transaction for monetary benefits. In some embodiments, a payment transaction may mean a transaction funded through a payment card and / or a payment account, such as a credit card transaction. Such payment transactions can be processed through an issuer, a payment network, and an acquirer. The processing for such payment transactions may include at least one of the following: approval, batching, clearing, settlement, and funding. Approval may include: the consumer providing payment details to the seller, the seller submitting transaction details (e.g., including payment details) to the acquirer, and verifying the payment details with the issuer of the consumer's payment account used to fund the transaction. Batching involves storing approved transactions together with other approved transactions for transmission to the acquirer. may refer to. Clearing may include sending batched transactions from an acquirer to a payment network for processing. Settlement may include the payment network debiting the issuer for transactions involving the issuer's beneficiary. In some embodiments, the issuer may pay the acquirer via the payment network. In other embodiments, the issuer may pay the acquirer directly. Funding may include paying the acquirer to the seller for cleared and settled payment transactions. Those skilled in the art will appreciate that the order and / or classification of the above steps performed as part of payment transaction processing may be selected as appropriate. and may include sending the batched transactions from an acquirer to a payment network for processing. Settlement may include the payment network debiting the issuer for transactions involving the issuer's beneficiary. In some embodiments, the issuer may pay the acquirer via the payment network. In other embodiments, the issuer may pay the acquirer directly. Funding may include paying the acquirer to the seller for cleared and settled payment transactions. Those skilled in the art will appreciate that the order and / or classification of the above steps performed as part of payment transaction processing may be selected as appropriate. Blockchain Transaction Dispute Resolution System Figure 1 shows a system 100 for resolving disputes regarding blockchain transactions made between a consumer and a seller, and traditional chargeback rules and remedies can be applied to blockchain transactions, and chargebacks for blockchain transactions that have been the subject of disputes due to the performance of new blockchain transactions can be realized. System 100 may include a processing server 102. The processing server 102, detailed below, can be configured to resolve disputes between a consumer 104 and a seller system 106 involved in a blockchain transaction. Each entity involved in the payment transaction may be associated with a blockchain wallet. Blockchain Transaction Dispute Resolution System Figure 1 shows a system 100 for resolving disputes regarding blockchain transactions made between a consumer and a seller, and traditional chargeback rules and remedies can be applied to blockchain transactions, and chargebacks for blockchain transactions that have been the subject of disputes due to the performance of new blockchain transactions can be realized.

[0018] Blockchain Transaction Dispute Resolution System Figure 1 shows a system 100 for resolving disputes regarding blockchain transactions made between a consumer and a seller, and traditional chargeback rules and remedies can be applied to blockchain transactions, and chargebacks for blockchain transactions that have been the subject of disputes due to the performance of new blockchain transactions can be realized. System 100 may include a processing server 102. The processing server 102, detailed below, can be configured to resolve disputes between a consumer 104 and a seller system 106 involved in a blockchain transaction. Each entity involved in the payment transaction may be associated with a blockchain wallet. Blockchain Transaction Dispute Resolution System Figure 1 shows a system 100 for resolving disputes regarding blockchain transactions made between a consumer and a seller, and traditional chargeback rules and remedies can be applied to blockchain transactions, and chargebacks for blockchain transactions that have been the subject of disputes due to the performance of new blockchain transactions can be realized. System 100 may include a processing server 102. The processing server 102, detailed below, can be configured to resolve disputes between a consumer 104 and a seller system 106 involved in a blockchain transaction. Each entity involved in the payment transaction may be associated with a blockchain wallet.

[0019] System 100 may include a processing server 102. The processing server 102, detailed below, can be configured to resolve disputes between a consumer 104 and a seller system 106 involved in a blockchain transaction. Each entity involved in the payment transaction may be associated with a blockchain wallet. Blockchain Transaction Dispute Resolution System Figure 1 shows a system 100 for resolving disputes regarding blockchain transactions made between a consumer and a seller, and traditional chargeback rules and remedies can be applied to blockchain transactions, and chargebacks for blockchain transactions that have been the subject of disputes due to the performance of new blockchain transactions can be realized. System 100 may include a processing server 102. The processing server 102, detailed below, can be configured to resolve disputes between a consumer 104 and a seller system 106 involved in a blockchain transaction. Each entity involved in the payment transaction may be associated with a blockchain wallet. is used to perform blockchain transactions between the consumer 104 and the seller system 106. The blockchain wallet can be an application program executed by a computing device (e.g., the computing device 110 owned by the consumer 104, the computing device of the seller system 106, etc.) owned by each entity. Since the blockchain wallet can contain the private key of the cryptographic key pair, which is used for generating digital signatures and can serve as the approval of each entity for blockchain transactions, the digital signature can be verified using the public key of the cryptographic key pair. In some cases, the term "blockchain wallet" can specifically refer to the private key. In some embodiments, the private key can be stored on the computing device 110. In other embodiments, the private key can be stored by a third party that can be operated in a manner similar to the issuing financial institution of a traditional transaction account, such as a key repository. The computing device 110 can be any type of device suitable for performing the functions mentioned in this application, such as a desktop computer, a laptop computer, a tablet computer, a notebook computer, a mobile phone, a smart phone, a smart watch, a smart TV, a wearable computing device, an embedded computing device, etc. A blockchain transaction can be processed by nodes within the blockchain network 108 associated with the blockchain. The blockchain wallet can be an application program executed by a computing device (e.g., the computing device 110 owned by the consumer 104, the computing device of the seller system 106, etc.) owned by each entity. Since the blockchain wallet can contain the private key of the cryptographic key pair, which is used for generating digital signatures and can serve as the approval of each entity for blockchain transactions, the digital signature can be verified using the public key of the cryptographic key pair. In some cases, the term "blockchain wallet" can specifically refer to the private key. In some embodiments, the private key can be stored on the computing device 110. In other embodiments, the private key can be stored by a third party that can be operated in a manner similar to the issuing financial institution of a traditional transaction account, such as a key repository. The computing device 110 can be any type of device suitable for performing the functions mentioned in this application, such as a desktop computer, a laptop computer, a tablet computer, a notebook computer, a mobile phone, a smart phone, a smart watch, a smart TV, a wearable computing device, an embedded computing device, etc. A blockchain transaction can be processed by nodes within the blockchain network 108 associated with the blockchain. The blockchain wallet can be an application program executed by a computing device (e.g., the computing device 110 owned by the consumer 104, the computing device of the seller system 106, etc.) owned by each entity. Since the blockchain wallet can contain the private key of the cryptographic key pair, which is used for generating digital signatures and can serve as the approval of each entity for blockchain transactions, the digital signature can be verified using the public key of the cryptographic key pair. In some cases, the term "blockchain wallet" can specifically refer to the private key. In some embodiments, the private key can be stored on the computing device 110. In other embodiments, the private key can be stored by a third party that can be operated in a manner similar to the issuing financial institution of a traditional transaction account, such as a key repository.

[0020] The computing device 110 can be any type of device suitable for performing the functions mentioned in this application, such as a desktop computer, a laptop computer, a tablet computer, a notebook computer, a mobile phone, a smart phone, a smart watch, a smart TV, a wearable computing device, an embedded computing device, etc. The workpiece 108 may include a plurality of nodes. Each node may be a computing system configured to perform functions related to the processing and management of a blockchain, and may include, for example, the following: generation of blockchain data values, verification of proposed blockchain transactions, verification of digital signatures, generation of new blocks, confirmation (validation) of new blocks, and maintenance of a copy of the blockchain. The blockchain may be a distributed ledger comprising at least a plurality of blocks. Each block may include at least a block header and one or more data values. Each block header may include at least a timestamp, a block reference value, and a data reference value. The timestamp may be the time at which the block header was generated and may be represented in any suitable manner (e.g., UNIX (registered trademark) timestamp, DateTime notation, etc.). The block reference value may be a value that references a previous block in the blockchain (e.g., based on the timestamp). In some embodiments, the block reference value in the block header may be a reference to the block header of the most recently added block preceding each block. In an exemplary embodiment, the block reference value may be a hash value generated by hashing the block header of the most recently added block. Similarly, the data reference value may be a reference to one or more data values stored in the block including the block header. In an exemplary embodiment, the data reference value may be a hash value generated by hashing one or more data values. For example, the block reference value may be the root of a Merkle tree generated using one or more data values.

[0021] As a result of using block reference values and data reference values within each block header, the blockchain can be given immutability. To attempt a change to a data value, a new data reference value needs to be generated for that block, and for that, a new block reference value for a subsequent block needs to be generated, and furthermore, new block reference values need to be generated for each subsequent block. To make the change permanent, before generating a new block and adding it to the blockchain, the above matters need to be executed and updated for each node within the blockchain network 108. Due to the limits of computing power and communication capabilities, such a change can become extremely difficult or an intractable problem, and thus the blockchain acquires immutability.

[0022] Each blockchain data value can correspond to a blockchain transaction. A blockchain transaction can include at least the following: a digital signature of a currency sender (e.g., consumer 104) generated using the sender's private key; a blockchain address of a currency recipient (e.g., seller system 106) generated using the recipient's public key; and the amount of blockchain currency being transferred. In some blockchain transactions, the transaction can also include the following: one or more sender blockchain addresses where the blockchain currency is currently held (e.g., when access to such currency is authenticated by a digital signature); and an address for any changes to be held by the sender, generated using the sender's public key. In some cases In this case, a blockchain transaction may also include the sender's public key for use in transaction confirmation. For processing a blockchain transaction, such data may be provided to nodes within the blockchain network 108 by the sender (e.g., via the computing device 110) or by the recipient (e.g., by the seller system 106). The nodes can verify the digital signature and the sender's access right to the funds, and can include the blockchain transaction in a new block. For a new block, verification can be performed by other nodes within the blockchain network 108 before addition to the blockchain and distribution to all nodes within the blockchain network 108. In a standard blockchain transaction, the consumer 104 can generate a digital signature in this way using its private key and the computing device 110. The seller system 106 can generate a blockchain address using its own public key, which may be provided to the computing device 110 in some cases. In some cases, the seller system 106 can provide its public key to the computing device 110, and the computing device 110 can generate a blockchain address. Then, the computing device 110 can submit the required information to nodes within the blockchain network 108 for processing. In some cases, the nodes can return a blockchain transaction identifier to the computing device 110, which is In this case, a blockchain transaction may also include the sender's public key for use in transaction confirmation. For processing a blockchain transaction, such data may be provided to nodes within the blockchain network 108 by the sender (e.g., via the computing device 110) or by the recipient (e.g., by the seller system 106). The nodes can verify the digital signature and the sender's access right to the funds, and can include the blockchain transaction in a new block. For a new block, verification can be performed by other nodes within the blockchain network 108 before addition to the blockchain and distribution to all nodes within the blockchain network 108. In this case, a blockchain transaction may also include the sender's public key for use in transaction confirmation. For processing a blockchain transaction, such data may be provided to nodes within the blockchain network 108 by the sender (e.g., via the computing device 110) or by the recipient (e.g., by the seller system 106). The nodes can verify the digital signature and the sender's access right to the funds, and can include the blockchain transaction in a new block. For a new block, verification can be performed by other nodes within the blockchain network 108 before addition to the blockchain and distribution to all nodes within the blockchain network 108. In this case, a blockchain transaction may also include the sender's public key for use in transaction confirmation. For processing a blockchain transaction, such data may be provided to nodes within the blockchain network 108 by the sender (e.g., via the computing device 110) or by the recipient (e.g., by the seller system 106). The nodes can verify the digital signature and the sender's access right to the funds, and can include the blockchain transaction in a new block. For a new block, verification can be performed by other nodes within the blockchain network 108 before addition to the blockchain and distribution to all nodes within the blockchain network 108. In this case, a blockchain transaction may also include the sender's public key for use in transaction confirmation. For processing a blockchain transaction, such data may be provided to nodes within the blockchain network 108 by the sender (e.g., via the computing device 110) or by the recipient (e.g., by the seller system 106). The nodes can verify the digital signature and the sender's access right to the funds, and can include the blockchain transaction in a new block. For a new block, verification can be performed by other nodes within the blockchain network 108 before addition to the blockchain and distribution to all nodes within the blockchain network 108. In this case, a blockchain transaction may also include the sender's public key for use in transaction confirmation. For processing a blockchain transaction, such data may be provided to nodes within the blockchain network 108 by the sender (e.g., via the computing device 110) or by the recipient (e.g., by the seller system 106). The nodes can verify the digital signature and the sender's access right to the funds, and can include the blockchain transaction in a new block. For a new block, verification can be performed by other nodes within the blockchain network 108 before addition to the blockchain and distribution to all nodes within the blockchain network 108. In this case, a blockchain transaction may also include the sender's public key for use in transaction confirmation. For processing a blockchain transaction, such data may be provided to nodes within the blockchain network 108 by the sender (e.g., via the computing device 110) or by the recipient (e.g., by the seller system 106). The nodes can verify the digital signature and the sender's access right to the funds, and can include the blockchain transaction in a new block. For a new block, verification can be performed by other nodes within the blockchain network 108 before addition to the blockchain and distribution to all nodes within the blockchain network 108. In this case, a blockchain transaction may also include the sender's public key for use in transaction confirmation. For processing a blockchain transaction, such data may be provided to nodes within the blockchain network 108 by the sender (e.g., via the computing device 110) or by the recipient (e.g., by the seller system 106). The nodes can verify the digital signature and the sender's access right to the funds, and can include the blockchain transaction in a new block. For a new block, verification can be performed by other nodes within the blockchain network 108 before addition to the blockchain and distribution to all nodes within the blockchain network 108.

[0023] In a standard blockchain transaction, the consumer 104 can generate a digital signature in this way using its private key and the computing device 110. The seller system 106 can generate a blockchain address using its own public key, which may be provided to the computing device 110 in some cases. In some cases, the seller system 106 can provide its public key to the computing device 110, and the computing device 110 can generate a blockchain address. Then, the computing device 110 can submit the required information to nodes within the blockchain network 108 for processing. In some cases, the nodes can return a blockchain transaction identifier to the computing device 110, which is In a standard blockchain transaction, the consumer 104 can generate a digital signature in this way using its private key and the computing device 110. The seller system 106 can generate a blockchain address using its own public key, which may be provided to the computing device 110 in some cases. In some cases, the seller system 106 can provide its public key to the computing device 110, and the computing device 110 can generate a blockchain address. Then, the computing device 110 can submit the required information to nodes within the blockchain network 108 for processing. In some cases, the nodes can return a blockchain transaction identifier to the computing device 110, which is In a standard blockchain transaction, the consumer 104 can generate a digital signature in this way using its private key and the computing device 110. The seller system 106 can generate a blockchain address using its own public key, which may be provided to the computing device 110 in some cases. In some cases, the seller system 106 can provide its public key to the computing device 110, and the computing device 110 can generate a blockchain address. Then, the computing device 110 can submit the required information to nodes within the blockchain network 108 for processing. In some cases, the nodes can return a blockchain transaction identifier to the computing device 110, which is In a standard blockchain transaction, the consumer 104 can generate a digital signature in this way using its private key and the computing device 110. The seller system 106 can generate a blockchain address using its own public key, which may be provided to the computing device 110 in some cases. In some cases, the seller system 106 can provide its public key to the computing device 110, and the computing device 110 can generate a blockchain address. Then, the computing device 110 can submit the required information to nodes within the blockchain network 108 for processing. In some cases, the nodes can return a blockchain transaction identifier to the computing device 110, which is In a standard blockchain transaction, the consumer 104 can generate a digital signature in this way using its private key and the computing device 110. The seller system 106 can generate a blockchain address using its own public key, which may be provided to the computing device 110 in some cases. In some cases, the seller system 106 can provide its public key to the computing device 110, and the computing device 110 can generate a blockchain address. Then, the computing device 110 can submit the required information to nodes within the blockchain network 108 for processing. In some cases, the nodes can return a blockchain transaction identifier to the computing device 110, which is In a standard blockchain transaction, the consumer 104 can generate a digital signature in this way using its private key and the computing device 110. The seller system 106 can generate a blockchain address using its own public key, which may be provided to the computing device 110 in some cases. In some cases, the seller system 106 can provide its public key to the computing device 110, and the computing device 110 can generate a blockchain address. Then, the computing device 1!0 can submit the required information to nodes within the blockchain network 108 for processing. In some cases, the nodes can return a blockchain transaction identifier to the computing device 110, which is In a standard blockchain transaction, the consumer 104 can generate a digital signature in this way using its private key and the computing device 110. The seller system 106 can generate a blockchain address using its own public key, which may be provided to the computing device 110 in some cases. In some cases, the seller system 106 can provide its public key to the computing device 110, and the computing device 110 can generate a blockchain address. Then, the computing device 110 can submit the required information to nodes within the blockchain network 108 for processing. In some cases, the nodes can return a blockchain transaction identifier to the computing device 110, which is In a standard blockchain transaction, the consumer 104 can generate a digital signature in this way using its private key and the computing device 110. The seller system 106 can generate a blockchain address using its own public key, which may be provided to the computing device 110 in some cases. In some cases, the seller system 106 can provide its public key to the computing device 110, and the computing device 110 can generate a blockchain address. Then, the computing device 110 can submit the required information to nodes within the blockchain network 108 for processing. In some cases, the nodes can return a blockchain transaction identifier to the computing device 110, which is In a standard blockchain transaction, the consumer 104 can generate a digital signature in this way using its private key and the computing device 110. The seller system 106 can generate a blockchain address using its own public key, which may be provided to the computing device 110 in some cases. In some cases, the seller system 106 can provide its public key to the computing device 110, and the computing device 110 can generate a blockchain address. Then, the computing device 110 can submit the required information to nodes within the blockchain network 108 for processing. In some cases, the nodes can return a blockchain transaction identifier to the computing device 110, which is can be a value for identifying a transaction unique to it. In such traditional transactions, the seller system 106 is required to generate a blockchain address or distribute its own public key, and in some cases, directly submit transaction data to the blockchain network 108. In the system 100, the processing server 102 can be configured to assist in resolving disputes in blockchain transactions involving the consumer 104 and the seller system 106. In such cases, the consumer 104 may wish to reverse a blockchain transaction made with the seller system 106. In some cases, the seller system 106 may refuse to refund the consumer 104, in which case the consumer 104 needs to initiate a reversal process, which is referred to as a chargeback in traditional payment transactions. The consumer 104 can submit a chargeback request to the processing server 102 regarding the blockchain transaction, which can refer to the blockchain transaction for which a chargeback is requested, for example, through a unique identifier assigned to the blockchain transaction or other identification information such as the blockchain address used within the transaction for the transfer of currency. The request can be made by the computing device 110 to the processing server 102, which can be done in any suitable way, such as through an application program, a web interface, an email, an SMS message, etc. In traditional transactions, the seller system 106 is required to generate a blockchain address or distribute its own public key, and in some cases, directly submit transaction data to the blockchain network 108. In some cases, the seller system 106 is required to directly submit transaction data to the blockchain network 108. There may be such requirements.

[0024] In the system 100, the processing server 102 can be configured to assist in resolving disputes in blockchain transactions involving the consumer 104 and the seller system 106. In such cases, the consumer 104 may wish to reverse a blockchain transaction made with the seller system 106. In some cases, the seller system 106 may refuse to refund the consumer 104, in which case the consumer 104 needs to initiate a reversal process, which is referred to as a chargeback in traditional payment transactions. In some cases, the seller system 106 may refuse to refund the consumer 104, in which case the consumer 104 needs to initiate a reversal process, which is referred to as a chargeback in traditional payment transactions. In some cases, the seller system 106 may refuse to refund the consumer 104, in which case the consumer 104 needs to initiate a reversal process, which is referred to as a chargeback in traditional payment transactions. In some cases, the seller system 106 may refuse to refund the consumer 104, in which case the consumer 104 needs to initiate a reversal process, which is referred to as a chargeback in traditional payment transactions. The consumer 104 can submit a chargeback request to the processing server 102 regarding the blockchain transaction, which can refer to the blockchain transaction for which a chargeback is requested, for example, through a unique identifier assigned to the blockchain transaction or other identification information such as the blockchain address used within the transaction for the transfer of currency. The consumer 104 can submit a chargeback request to the processing server 102 regarding the blockchain transaction, which can refer to the blockchain transaction for which a chargeback is requested, for example, through a unique identifier assigned to the blockchain transaction or other identification information such as the blockchain address used within the transaction for the transfer of currency. The consumer 104 can submit a chargeback request to the processing server 102 regarding the blockchain transaction, which can refer to the blockchain transaction for which a chargeback is requested, for example, through a unique identifier assigned to the blockchain transaction or other identification information such as the blockchain address used within the transaction for the transfer of currency. The consumer 104 can submit a chargeback request to the processing server 102 regarding the blockchain transaction, which can refer to the blockchain transaction for which a chargeback is requested, for example, through a unique identifier assigned to the blockchain transaction or other identification information such as the blockchain address used within the transaction for the transfer of currency. The consumer 104 can submit a chargeback request to the processing server 102 regarding the blockchain transaction, which can refer to the blockchain transaction for which a chargeback is requested, for example, through a unique identifier assigned to the blockchain transaction or other identification information such as the blockchain address used within the transaction for the transfer of currency. The request can be made by the computing device 110 to the processing server 102, which can be done in any suitable way, such as through an application program, a web interface, an email, an SMS message, etc. The request can be made by the computing device 110 to the processing server 102, which can be done in any suitable way, such as through an application program, a web interface, an email, an SMS message, etc. The request can be made by the computing device 110 to the processing server 102, which can be done in any suitable way, such as through an application program, a web interface, an email, an SMS message, etc.

[0025] The processing server 102 can act on the seller system 106 to perform a dispute resolution process between the consumer 104 and the seller system 106. The dispute resolution process may include collecting evidence from the consumer 104 and / or the seller system 106, and using this to determine whether to approve or reject the requested chargeback. In some cases, the type and determination of the evidence collected can be based on the chargeback reason asserted by the consumer 104. For example, the processing server 102 can use chargeback rules that are also used in traditional non - fungible currency payment transactions, where the chargeback is claimable, for example, in the following cases: when the seller 106 fails to provide the purchased goods or services; when the seller system 106 fails to cancel a repeated transaction despite being requested; when the wrong product is provided to the consumer 104; when a defective product is provided to the consumer 104; when the transaction is carried out by a fraudster, etc. For example, the evidence required as part of the dispute resolution for an illegal transaction may be different from the evidence required as part of the dispute resolution for a transaction where the delivered product is claimed to be defective. It is clear to those skilled in the art what evidence is used in the chargeback dispute resolution process. In some embodiments, the processing server 102 can request the consumer 104 to submit all evidence regarding the transaction in dispute. In such embodiments, the consumer 10 4 can provide information about the electronic wallet used in the blockchain transaction in dispute.

[0026] In some embodiments, the processing server 102 can request the consumer 104 to submit all evidence regarding the transaction in dispute. In such embodiments, the consumer 10 4 can provide information about the electronic wallet used in the blockchain transaction in dispute. ​The user may be required to provide a digital signature to verify possession of the May be provided within or after a chargeback request. , the processing server 102 receives the blockchain data value for the disputed transaction. The digital signature is verified using the public key of a cryptographic key pair that may be stored in Once the digital signature is successfully verified, the consumer 104 can The same consumer involved in the transaction or the disputed transaction This may mean that the person has been authorized by the consumer to resolve the dispute. In some cases, the processing server 102 also sends a digital signature to the merchant system 106 as evidence. The provision of such information may be requested and a confirmation may be made. a merchant system 106 for receiving funds in a contested blockchain transaction; The public key used to generate the blockchain address used by the

[0027] The processing server 102 may handle dispute resolution, resulting in the A decision can be made as to whether or not to unwind the transaction, In some cases, the processing server 102 may also use traditional payment methods. used in traditional fiat currency transactions conducted using the network 112 In such cases, the same chargeback rules may be used as for dispute resolution. The consumer 104 and merchant system 106 may be familiar with the rules, and the rules may be traditional. past transactions of the consumer 104 and / or merchant system 106 in a payment transaction Actions can also be taken into account (e.g., using traditional methods associated with them to prove the identity of each party, and for example, enabling each entity to provide other evidence of access rights to payment cards or transaction accounts). The chargeback rules can govern the following matters: which party bears the burden of proof; the types of evidence required in response to chargeback reasons; how various rules regarding evidence are established, etc. For example, if a chargeback is requested regarding defective goods, the consumer 104 may be required to provide evidence of the defect. In another example, if a chargeback is requested regarding the non - provision of a product or service, the seller system 106 may be required to provide evidence that the product or service was successfully provided to the consumer 104. Once the dispute is resolved, the processing server 102 may appropriately execute the solution. If the

[0028] consumer 104's claim is rejected, no additional action may be taken to maintain the blockchain transaction. In some cases, the processing server 102 can record the chargebacks requested by the consumer 104 regarding the same entity, and receiving a rejected chargeback can increase the burden imposed on the consumer 104 in future chargeback requests. If a resolution is made that accepts the consumer 104's lawsuit, a new blockchain transaction can be created, and an equivalent payment to the blockchain transaction in dispute will be returned from the seller system 106 to the consumer 104. Since the existing data in the blockchain is immutable, the rollback is not done directly, but ... ... Build a new blockchain transaction in reverse (e.g., while maintaining the transaction amount, swap the sender and the recipient).

[0029] In some embodiments, the processing server 102 may wait until the dispute is resolved before taking an action in relation to the new blockchain transaction. In other embodiments, the processing server 102 may utilize a smart contract created on the blockchain at the initial time when a chargeback request is submitted. A smart contract is a self-executing script stored within the blockchain and configured to execute or not execute a transaction based on the provided data. In the system 100, a smart contract can be created, and if a ruling favorable to the consumer 104 is made at the dispute resolution venue, a blockchain transaction can be configured to make a payment equal to the disputed blockchain transaction amount from the seller system 106 to the consumer 104. In some cases, the smart contract can establish a first blockchain transaction that places the disputed amount under escrow (e.g., within a escrow blockchain wallet managed by the processing server 102 or an additional third - party entity) once established. In such a case, if a ruling favorable to the consumer 104 is made in the dispute resolution, a second blockchain transaction is built to transfer the amount to the consumer 104, while if a ruling favorable to the seller system 106 is made in the dispute resolution, the built second blockchain transaction can return the amount to the seller system 106. ​​​​​​​​​​​​​​​

[0030] Regardless of the implementation manner, as part of a new blockchain transaction, for the seller system 106, it may be required to provide a digital signature generated using the private key of the seller's blockchain wallet, and for the consumer 104, it may be required to provide a blockchain address generated using the public key of the consumer's blockchain wallet. The digital signature and the blockchain address can be included within the new blockchain transaction submitted to the blockchain network 108, thereby enabling appropriate processing of the new blockchain transaction. As a result of the new blockchain transaction, the payment of the value in dispute is returned from the seller system 106's blockchain wallet to the consumer's blockchain wallet, resulting in a "rollback" of the original blockchain transaction, but its immutability is preserved because no changes are made to the blockchain. For the seller system 106, a digital signature generated using the private key of the seller's blockchain wallet may be required. For the consumer 104, a blockchain address generated using the public key of the consumer's blockchain wallet may be required. For the consumer 104, a blockchain address generated using the public key of the consumer's blockchain wallet may be required. The digital signature and the blockchain address can be included within the new blockchain transaction submitted to the blockchain network 108, thereby enabling appropriate processing of the new blockchain transaction. The digital signature and the blockchain address can be included within the new blockchain transaction submitted to the blockchain network 108, thereby enabling appropriate processing of the new blockchain transaction. The digital signature and the blockchain address can be included within the new blockchain transaction submitted to the blockchain network 108, thereby enabling appropriate processing of the new blockchain transaction. As a result of the new blockchain transaction, the payment of the value in dispute is returned from the seller system 106's blockchain wallet to the consumer's blockchain wallet, resulting in a "rollback" of the original blockchain transaction, but its immutability is preserved because no changes are made to the blockchain. As a result of the new blockchain transaction, the payment of the value in dispute is returned from the seller system 106's blockchain wallet to the consumer's blockchain wallet, resulting in a "rollback" of the original blockchain transaction, but its immutability is preserved because no changes are made to the blockchain. As a result of the new blockchain transaction, the payment of the value in dispute is returned from the seller system 106's blockchain wallet to the consumer's blockchain wallet, resulting in a "rollback" of the original blockchain transaction, but its immutability is preserved because no changes are made to the blockchain. As a result of the new blockchain transaction, the payment of the value in dispute is returned from the seller system 106's blockchain wallet to the consumer's blockchain wallet, resulting in a "rollback" of the original blockchain transaction, but its immutability is preserved because no changes are made to the blockchain. As a result of the new blockchain transaction, the payment of the value in dispute is returned from the seller system 106's blockchain wallet to the consumer's blockchain wallet, resulting in a "rollback" of the original blockchain transaction, but its immutability is preserved because no changes are made to the blockchain.

[0031] In some embodiments, the processing server 102 can be configured to maintain a database regarding chargebacks imposed on the seller system 106. In such embodiments, repeated chargebacks can have an adverse effect on the seller system 106, for example, in future dispute resolution scenarios involving the seller system 106 or in the billing of transaction fees involving the seller system 106. In some cases, transactions processed through the payment network 112 involving the seller system 106 In such embodiments, repeated chargebacks can have an adverse effect on the seller system 106, for example, in future dispute resolution scenarios involving the seller system 106 or in the billing of transaction fees involving the seller system 106. In such embodiments, repeated chargebacks can have an adverse effect on the seller system 106, for example, in future dispute resolution scenarios involving the seller system 106 or in the billing of transaction fees involving the seller system 106. In such embodiments, repeated chargebacks can have an adverse effect on the seller system 106, for example, in future dispute resolution scenarios involving the seller system 106 or in the billing of transaction fees involving the seller system 106. In some cases, transactions processed through the payment network 112 involving the seller system 106 A chargeback made against a blockchain transaction can have an impact. For example, a single database can be used for chargebacks relating to both the fiat currency and blockchain currency transactions of the seller system 106, and a chargeback, regardless of the currency type, can result in disadvantages to the seller system 106. In the case of a blockchain transaction with a fee (e.g., mining fee, etc.), the fee can be affected by a chargeback imposed on the seller system 106 (e.g., a chargeback relating to a blockchain transaction, a fiat currency transaction, or both). In some embodiments, the processing server 102 can be a node within the blockchain network 108 and can appropriately implement matters relating to the fee. In some cases, the processing server 102 can be part of the payment network 112 and can appropriately implement matters relating to the fee for fiat currency transactions. In some cases, the processing server 102 can be part of the payment network 112 and can also be a node within the blockchain

[0032] In some embodiments, when the seller system 106 is unable to transact with the consumer 104, the processing server 102 can be configured to provide a chargeback or other form of relief to the consumer 104. For example, if the seller goes bankrupt or otherwise fails, the processing server 102 can assist in providing relief to the consumer 104. In some cases, the processing provide or make available bankruptcy insurance to assist consumer 104 in such situations obtain.

[0033] As a result, a method and system are provided that can result in a chargeback for a blockchain transaction and a rollback of the disputed blockchain transaction while maintaining the entirety of the blockchain and its immutability. When using established chargeback rules and dispute resolution procedures related to fiat currency transactions, information on both fiat currency and blockchain currency transactions can be utilized for dispute resolution and chargeback execution, improving dispute resolution accuracy and increasing the motivation for seller participation. Also, by tracking chargebacks made against the seller system 106 for both types of currency, a stronger deterrent can be exerted against sellers engaging in fraud or providing insufficient performance to consumer 104. As a result, the method and system of the present application not only enable the rollback of blockchain transactions but also improve the effectiveness of dispute resolution processes for such transactions and fiat currency transactions. blockchain transaction and cause a rollback of the disputed blockchain transaction A method and system are provided. When using established chargeback rules and dispute resolution procedures related to fiat currency transactions, information on both fiat currency and blockchain currency transactions can be utilized for dispute resolution and chargeback execution, improving dispute resolution accuracy and increasing the motivation for seller participation. Also, by tracking chargebacks made against the seller system 106 for both types of currency, a stronger deterrent can be exerted against sellers engaging in fraud or providing insufficient performance to consumer 104. As a result, the method and system of the present application not only enable the rollback of blockchain transactions but also improve the effectiveness of dispute resolution processes for such transactions and fiat currency transactions. In the case of using established chargeback rules and dispute resolution procedures related to fiat currency transactions, information on both fiat currency and blockchain currency transactions can be utilized for dispute resolution and chargeback execution, improving dispute resolution accuracy and increasing the motivation for seller participation. Also, by tracking chargebacks made against the seller system 106 for both types of currency, a stronger deterrent can be exerted against sellers engaging in fraud or providing insufficient performance to consumer 104. As a result, the method and system of the present application not only enable the rollback of blockchain transactions but also improve the effectiveness of dispute resolution processes for such transactions and fiat currency transactions. In the case of using established chargeback rules and dispute resolution procedures related to fiat currency transactions, information on both fiat currency and blockchain currency transactions can be utilized for dispute resolution and chargeback execution, improving dispute resolution accuracy and increasing the motivation for seller participation. Also, by tracking chargebacks made against the seller system 106 for both types of currency, a stronger deterrent can be exerted against sellers engaging in fraud or providing insufficient performance to consumer 104. As a result, the method and system of the present application not only enable the rollback of blockchain transactions but also improve the effectiveness of dispute resolution processes for such transactions and fiat currency transactions. In the case of using established chargeback rules and dispute resolution procedures related to fiat currency transactions, information on both fiat currency and blockchain currency transactions can be utilized for dispute resolution and chargeback execution, improving dispute resolution accuracy and increasing the motivation for seller participation. Also, by tracking chargebacks made against the seller system 106 for both types of currency, a stronger deterrent can be exerted against sellers engaging in fraud or providing insufficient performance to consumer 104. As a result, the method and system of the present application not only enable the rollback of blockchain transactions but also improve the effectiveness of dispute resolution processes for such transactions and fiat currency transactions. In the case of using established chargeback rules and dispute resolution procedures related to fiat currency transactions, information on both fiat currency and blockchain currency transactions can be utilized for dispute resolution and chargeback execution, improving dispute resolution accuracy and increasing the motivation for seller participation. Also, by tracking chargebacks made against the seller system 106 for both types of currency, a stronger deterrent can be exerted against sellers engaging in fraud or providing insufficient performance to consumer 104. As a result, the method and system of the present application not only enable the rollback of blockchain transactions but also improve the effectiveness of dispute resolution processes for such transactions and fiat currency transactions. In the case of using established chargeback rules and dispute resolution procedures related to fiat currency transactions, information on both fiat currency and blockchain currency transactions can be utilized for dispute resolution and chargeback execution, improving dispute resolution accuracy and increasing the motivation for seller participation. Also, by tracking chargebacks made against the seller system 106 for both types of currency, a stronger deterrent can be exerted against sellers engaging in fraud or providing insufficient performance to consumer 104. As a result, the method and system of the present application not only enable the rollback of blockchain transactions but also improve the effectiveness of dispute resolution processes for such transactions and fiat currency transactions. In the case of using established chargeback rules and dispute resolution procedures related to fiat currency transactions, information on both fiat currency and blockchain currency transactions can be utilized for dispute resolution and chargeback execution, improving dispute resolution accuracy and increasing the motivation for seller participation. Also, by tracking chargebacks made against the seller system 106 for both types of currency, a stronger deterrent can be exerted against sellers engaging in fraud or providing insufficient performance to consumer 104. As a result, the method and system of the present application not only enable the rollback of blockchain transactions but also improve the effectiveness of dispute resolution processes for such transactions and fiat currency transactions. As a result, according to the method and system of the present application, not only can the rollback of blockchain transactions be enabled, but also the effectiveness of dispute resolution processes for such transactions and fiat currency transactions can be improved. As a result, according to the method and system of the present application, not only can the rollback of blockchain transactions be enabled, but also the effectiveness of dispute resolution processes for such transactions and fiat currency transactions can be improved. As a result, according to the method and system of the present application, not only can the rollback of blockchain transactions be enabled, but also the effectiveness of dispute resolution processes for such transactions and fiat currency transactions can be improved.

[0034] Processing server FIG. 2 shows an embodiment of the processing server 102 within the system 100. It is apparent to those skilled in the art that the embodiment of the processing server 102 shown in FIG. 2 is provided for illustrative purposes only and does not exhaustively show all possible configurations of the processing server 102 suitable for performing the functions of the present disclosure. For example, the computer system 500 shown in FIG. 5 and described in more detail below may be a suitable configuration of the processing server 102. FIG. 2 shows an embodiment of the processing server 102 within the system 100. It is apparent to those skilled in the art that the embodiment of the processing server 102 shown in FIG. 2 is provided for illustrative purposes only and does not exhaustively show all possible configurations of the processing server 102 suitable for performing the functions of the present disclosure. For example, the computer system 500 shown in FIG. 5 and described in more detail below may be a suitable configuration of the processing server 102. FIG. 2 shows an embodiment of the processing server 102 within the system 100. It is apparent to those skilled in the art that the embodiment of the processing server 102 shown in FIG. 2 is provided for illustrative purposes only and does not exhaustively show all possible configurations of the processing server 102 suitable for performing the functions of the present disclosure. For example, the computer system 500 shown in FIG. 5 and described in more detail below may be a suitable configuration of the processing server 102. FIG. 2 shows an embodiment of the processing server 102 within the system 100. It is apparent to those skilled in the art that the embodiment of the processing server 102 shown in FIG. 2 is provided for illustrative purposes only and does not exhaustively show all possible configurations of the processing server 102 suitable for performing the functions of the present disclosure. For example, the computer system 500 shown in FIG. 5 and described in more detail below may be a suitable configuration of the processing server 102. FIG. 2 shows an embodiment of the processing server 102 within the system 100. It is apparent to those skilled in the art that the embodiment of the processing server 102 shown in FIG. 2 is provided for illustrative purposes only and does not exhaustively show all possible configurations of the processing server 102 suitable for performing the functions of the present disclosure. For example, the computer system 500 shown in FIG. 5 and described in more detail below may be a suitable configuration of the processing server 102.

[0035] The processing server 102 may include a receiving device 202. The receiving device 202 is configured to receive data on one or more networks via one or more network protocols. In some embodiments, the receiving device 202 may receive data from the seller system 106, the blockchain network 108, the computing device 110, the payment network 112, and other systems and entities via one or more communication means (e.g., RF, LAN, wireless local area network, cellular communication network, Bluetooth®, Internet, etc. ). In some embodiments, the receiving device 202 may include a plurality of devices (e.g., different receiving devices that receive data on different networks ( e.g., a first receiving device that receives data on a local area network and a second receiving device that receives data on the Internet)). The receiving device 202 can receive electronically transmitted data signals, and the data can be superimposed on the data signals or otherwise encoded in the data signals, and the data can be obtained by the receiving device 202 by decoding, parsing, reading, or otherwise receiving the data signals. In some embodiments, the receiving device 202 may include a parsing module for parsing the received data signals to obtain the data superimposed thereon. For example, the receiving device 202 may receive the received data signals and convert them into available inputs for the functions executed by the processing device to execute the methods and systems of the present disclosure and may include a parsing program.

[0036] The transmitting device 202 can be configured to receive a data signal electronically transmitted by the seller system 106. The signal may have a public key associated with the seller system's blockchain wallet superimposed thereon or encoded in some other way. This key can be used for blockchain address generation and digital signature verification and can also be transmitted by the seller system 106. Electronic transmissions from the seller system 106 can also include evidence received as part of the dispute resolution process. The receiving device 202 can also be configured to receive a data signal electronically transmitted by the blockchain network 108. The signal has a blockchain data value superimposed or encoded in some manner. In embodiments where the processing server 102 can operate as a node, the signal can also encode a new block for blockchain addition that needs to be confirmed. The receiving device 202 can further be configured to receive a data signal electronically transmitted by the computing device 110. The signal has a chargeback request superimposed or encoded in some manner and can include information identifying the following: the blockchain transaction in dispute; a digital signature generated by the consumer's private key; evidence regarding the resolution of the blockchain transaction in dispute. The receiving device 202 can also be configured to receive a data signal electronically transmitted by the payment network 112. The signal has a transaction message for the payment transaction, chargeback rules, and other data regarding chargebacks involving the seller superimposed thereon. ​ It can be either encoded or not. The transaction message can be, for example, a specially formatted data message that is formatted in accordance with one or more standards governing the exchange of financial transaction messages such as the ISO8583 standard or the ISO20022 standard of the International Organization for Standardization.

[0037] The processing server 102 may also include a communication module 204. The communication module 204 is configured to transfer data between modules, engines, databases, memory, and other components of the processing server 102 for use in performing the functions of the present disclosure. The communication module 204 may include one or more communication types and may use various communication methods for communication within the computing device. For example, the communication module 204 may include a bus, a connection pin connector, a cable, etc. In some embodiments, the communication module 204 may also be configured to communicate between internal components of the processing server 102 and external components of the processing server 102 ( such as an externally connected database, a display device, an input device, etc.). The processing server 102 may also include a processing device. The processing device may be configured to execute the functions of the processing server 102 of the present disclosure. This is self-evident to those skilled in the art. In some embodiments, the processing device may include a plurality of specially configured engines and / or modules (such as a query module 218, a generation module 220, a decision module 222, etc.) that execute one or more functions of the processing device. As used in the present disclosure, the term "module" refers to software or hardware that is specially programmed to receive an input, perform one or more processes using the input, and provide an output. It may be appropriate. The input, output, and processing executed by various modules are obvious to those skilled in the art based on the present disclosure. Based on this, it is obvious to those skilled in the art.

[0038] The processing server 102 may include a seller database 206. The seller database 20 6 may be configured to store a plurality of seller profiles 2 08 using an appropriate data storage format and schema. The seller database 206 may be a relational database that uses SQL and is a database for storing, identifying, modifying, updating, accessing, etc. the stored structured data set. Each seller profile 208 may be a structured data set configured to store data related to the seller system 106 and may be. Since each seller profile 208 may include data related to the seller, this may include the following: chargeback history, evidence for resolution received from the seller, public keys associated with the seller's blockchain wallet, etc. In some embodiments the seller profile 208 may also be stored for each consumer 104 that participated in dispute resolution in relation to the processing server 102.

[0039] The processing server 102 may also include an inquiry module 218. The inquiry module 218 may be configured to execute a query on the database to identify information. The inquiry module 218 may receive one or more data values or query columns and, based on this, execute a query column on the indicated database (e.g., the seller database 206) to identify the information stored therein. The inquiry module 218 then Output the separated information to an appropriate engine or module of the processing server 102 as needed. This may be done. The inquiry module 218, for example, executes a query on the seller database 206 to identify the public key of the seller for verifying digital signatures and considering previous chargeback histories during dispute resolution involving the relevant seller system 106 or

[0040] The processing server 102 may also include a generation module 220. The data generation module 2 20 may be configured to generate data used by the processing server 102 when executing the functions of the present disclosure. The generation module 220 may receive instructions as input values, generate data based on the instructions, and output the generated data to one or more modules of the processing server 102. For example, the generation module 220 may be configured to generate notifications and other data messages for transmission to the computing device 110, which may include, for example, prompts regarding digital signatures and evidence for dispute resolution, and which may also be for transmission to nodes of the blockchain network 108 for, for example, a new blockchain transaction to be processed. The generation module 220 may also be configured to generate digital signatures and blockchain addresses using appropriate algorithms and either a private key or a public key, respectively. In some embodiments, the generation module 220 may also use the algorithm used in configured to verify a digital signature using a public key of a cryptographic key pair that includes a private key and can be configured to generate a data request for submission to the seller system 106, in which it can request evidence required for dispute resolution

[0041] The processing server 102 may also include a decision module 222. The decision module 222 is configured to make decisions for the processing server 102 as part of the methods and systems of the present disclosure The decision module 222 can receive instructions as input, make decisions as instructed and output the results of the decisions to another module or engine of the processing server 102 In some embodiments, the input may include data to be used in making a decision. In other embodiments, the decision module 222 can identify such data (e.g., by providing instructions to the query module 218, etc.). The decision module 222 can, for example, determine whether to rule in favor of or against the consumer 104 for a blockchain transaction that is the subject of a dispute. The decision can be made based on evidence submitted by the seller system 106 and / or the consumer 104, the blockchain transaction that is the subject of the dispute, and the reasons for the chargeback request

[0042] The processing server 102 may also include a transmission device 214. The transmission device 224 is configured to transmit data over one or more networks via one or more network protocols In some embodiments, the transmission device 2224 can be the seller system 106, the b ​​​​​​​​Lock chain network 108, computing device 110, payment network 112, and to one or more other systems and entities via one or more communication means (e.g., LAN, wireless area network, cellular communication, Bluetooth®, RF, Internet, etc.) may be configured to transmit data. In some embodiments, the transmission device 224 may include multiple devices (e.g., different transmission devices for transmitting data on different networks ( e.g., a first transmission device for transmitting data on a local area network and a second transmission device for transmitting data on the Internet )). The transmission device 224 may electronically transmit a data signal having data that is superimposed and can be analyzed by the receiving computing device. In some embodiments, the transmission device 224 may include one or more modules that superimpose, encode, or format the data into a data signal suitable for transmission. The transmission device 224 may be configured to electronically transmit the data signal to the seller system 106, which may have superimposed or encoded in some manner the following: a data request regarding evidence for dispute resolution; a request regarding digital signatures and / or public keys . The transmission device 224 may also be configured to electronically transmit the data signal to a node within the blockchain network 108, which may have superimposed or encoded in some manner

[0043] the following: a new blockchain transaction data value; a smart contract; or a request regarding blockchain data that may include identification information such as, for example, a unique identifier. The transmission device 224 may be configured to electronically transmit the data signal to the seller system 106, which may have superimposed or encoded in some manner the following: a data request regarding evidence for dispute resolution; a request regarding digital signatures and / or public keys ; and information regarding paid chargebacks. The transmission device 224 may also be configured to electronically transmit the data signal to a node within the blockchain network 108, which may have superimposed or encoded in some manner the following: a new blockchain transaction data value; a smart contract; or a request regarding blockchain data that may include identification information such as, for example, a unique identifier. ; or a request regarding blockchain data that may include identification information such as, for example, a unique identifier. including identification information such as, for example, a unique identifier. The transmitting device 224 may be further configured to electronically transmit data signals to the computing device 110, and this may have the following matters superimposed or encoded in some manner: a data request regarding evidence for dispute resolution; a request regarding a digital signature and / or a public key; and information regarding a paid chargeback. The transmitting device 224 may also be configured to electronically transmit data signals to the payment network 112, and this may have the following matters superimposed or encoded in some manner: a request regarding chargeback rules; data regarding a paid chargeback; a request regarding data for dispute resolution, etc.

[0044] The processing server 102 may also include a memory 226. The memory 226 may be configured to store data (such as a public key, a private key, a symmetric key, etc.) for use by the processing server 102 when executing the functions of the present disclosure. The memory 226 may be configured to store data using an appropriate data formatting method and a key manager, and may also be any appropriate type of memory (such as a read-only memory, a random access memory, etc.). The memory 226 may include, for example, encryption keys and algorithms, communication protocols and standards, data formatting standards and protocols, program code for modules and application programs of the processing device, and other appropriate data used by the processing server 102 when executing the functions of the present disclosure. This is self-evident to those skilled in the art who read the present disclosure. In some embodiments, the memory [[ID=2,2]] 226 may be a relational database using Structured Query Language (SQL). ​​​​​​​​​​​​​​- may include storing, identifying, modifying, updating, and accessing the stored structured data set and so on. The memory 226 can be configured to store, for example, the following items: blockchain data, hashing algorithms for block generation, credentials for verification, usage rule templates, communication data for blockchain nodes, communication data for the computing device 110, routing information for transaction messages, formatting standards for transaction messages, currency exchange rate data, and algorithms, etc. In some embodiments, the memory 226 can also be configured to store, for example, the following items: chargeback rules, evidence requirements for dispute resolution, dispute resolution algorithms, and so on.

[0045] Processing for Dispute Resolution of Blockchain Transactions FIG. 3 shows an exemplary process 300 for dispute resolution of a blockchain transaction between a consumer 104 and a seller system 106 within the system 100 executed by the processing server 102 of FIG. 2.

[0046] In step 302, the receiving device 202 of the processing server 102 may receive a rollback request for a blockchain transaction from the computing device 110. The request may include information identifying the dispute target blockchain transaction, the reason for rollback, and a digital signature generated from the consumer's blockchain wallet used to prove ownership of the dispute target transaction. In step 304, the inquiry module 218 of the processing server 102 executes a query to the request. and may be included in the request. In step 304, the inquiry module 218 of the processing server 102 executes a query The information contained can be used to identify the blockchain transaction in dispute. Digital If a digital signature is provided by consumer 104, step 304 may include verifying the digital signature using the public key contained within the identified blockchain transaction. It may be included.

[0047] In step 306, the transmitting device 224 of the processing server 102 may electronically transmit a request to the seller system 106 using an appropriate communication network and method, where the request is for the seller system 106 to roll back the blockchain transaction in dispute. The request can identify the blockchain transaction and may include any evidence provided by consumer 104 in the rollback reason and the original request. The seller system 106 may determine whether to allow the rollback and return information to the processing server 102. In step 308, the processing server 102 may determine whether the seller system 106 disputes the rollback of the blockchain transaction. If there is no dispute, the seller system 106 may provide a digital signature for its blockchain wallet to the processing server 102. In step 310, the transmitting device 224 of the processing server 102 can electronically transmit a data message to a node within the blockchain network 108, where the message includes the seller's digital signature, the blockchain address of consumer 104 (e.g., generated using the consumer's public key), and the same transaction amount as contained within the blockchain transaction in dispute. And the node is a block ​​​​​​​​​​​​​It processes the lock chain transaction, and as a result, rollback is performed.

[0048] If, in step 308, the processing server 102 determines that the seller system 106 is contending for a rollback then, in step 312, the generation module 220 of the processing server 102 can generate a smart contract, which is submitted (e.g., by the transmission device 224) to the blockchain network 108, and an escrow is established and the blockchain value in dispute is deposited. In step 314, the processing server 102 can perform a dispute resolution process between the consumer 10 4 and the seller system 106, which may include the exchange of evidence and a final decision (e.g., by the decision module 222), which can be based on the chargeback claim reason and the evidence submitted by entities. In step 316, the decision module 222 can provide its decision on who won the dispute. And if the seller system 106 won the dispute, in step 318, the transfer of currency in the smart contract can be cancelled, and the escrowed value can be returned to the seller system 106. And if the consumer 104 won the dispute, in step 320, the smart contract can trigger the start of a new blockchain transaction for the payment of the disputed value from the seller system 106 to the consumer 104, which can be done, for example, by (the transmission device 224) submitting a new blockchain transaction for the disputed value to the nodes within the blockchain network 108, which is the data of the seller And if the consumer 104 won the dispute, in step 320, the smart contract can trigger the start of a new blockchain transaction for the payment of the disputed value from the seller system 106 to the consumer 104, which can be done, for example, by (the transmission device 224) submitting a new blockchain transaction for the disputed value to the nodes within the blockchain network 108, which is the data of the seller 108, and this can be done by submitting a new blockchain transaction for the disputed value to the nodes within the blockchain network 108, which is the data of the seller It includes a digital signature and a blockchain address for consumer 104.

[0049] Dispute resolution method for exemplary blockchain transactions Figure 4 shows a method 400 for performing a dispute resolution process involving two entities participating in a blockchain transaction, thereby enabling the rollback of the blockchain transaction without modifying the existing blockchain. At step 402, a dispute request from a first computing device (e.g., computing device 110) can be received by a receiving unit (e.g., receiving device 202) of a processing server (e.g., processing server 102), and the dispute request includes at least a blockchain transaction identifier and a cause code. At step 404, blockchain data values included in the blockchain can be identified by a processing device of the processing server, and the blockchain data values include at least a blockchain transaction identifier, a seller blockchain address, and a currency amount. At step 406, the rollback eligibility for the blockchain data value can be determined by a processing device of the processing server, which can be done based on the application of one or more rollback rules, and the application is made to at least one of the following: transaction data included in the blockchain data value or external data identified from the transaction data included in the blockchain data value. At step 408, the processing server can achieve the rollback of the blockchain transaction without modifying the existing blockchain.

[0050] At step 402, a dispute request from a first computing device (e.g., computing device 110) can be received by a receiving unit (e.g., receiving device 202) of a processing server (e.g., processing server 102), and the dispute request includes at least a blockchain transaction identifier and a cause code. At step 404, blockchain data values included in the blockchain can be identified by a processing device of the processing server, and the blockchain data values include at least a blockchain transaction identifier, a seller blockchain address, and a currency amount. At step 406, the rollback eligibility for the blockchain data value can be determined by a processing device of the processing server, which can be done based on the application of one or more rollback rules, and the application is made to at least one of the following: transaction data included in the blockchain data value or external data identified from the transaction data included in the blockchain data value. At step 408, the processing server can achieve the rollback of the blockchain transaction without modifying the existing blockchain. At step 402, a dispute request from a first computing device (e.g., computing device 110) can be received by a receiving unit (e.g., receiving device 202) of a processing server (e.g., processing server 102), and the dispute request includes at least a blockchain transaction identifier and a cause code. At step 404, blockchain data values included in the blockchain can be identified by a processing device of the processing server, and the blockchain data values include at least a blockchain transaction identifier, a seller blockchain address, and a currency amount.

[0051] At step 406, the rollback eligibility for the blockchain data value can be determined by a processing device of the processing server, which can be done based on the application of one or more rollback rules, and the application is made to at least one of the following: transaction data included in the blockchain data value or external data identified from the transaction data included in the blockchain data value. At step 408, the processing server can achieve the rollback of the blockchain transaction without modifying the existing blockchain. At step 402, a dispute request from a first computing device (e.g., computing device 110) can be received by a receiving unit (e.g., receiving device 202) of a processing server (e.g., processing server 102), and the dispute request includes at least a blockchain transaction identifier and a cause code. At step 404, blockchain data values included in the blockchain can be identified by a processing device of the processing server, and the blockchain data values include at least a blockchain transaction identifier, a seller blockchain address, and a currency amount. Since the processing device of the bus can perform dispute resolution processing on the blockchain data value Yes, the dispute resolution processing includes at least receiving a seller digital signature from a second computing device ( For example, the seller system 106) by the receiving unit of the processing server In step 410, at least the seller digital signature and the currency amount are sent to the nodes in the blockchain network ( For example, the blockchain network 108) associated with the blockchain by the sending unit ( For example, the sending device 224) of the processing server Can be sent

[0052] In one embodiment, the dispute request may further include a consumer digital signature And the blockchain data value may further include a consumer public key, and the method 400 May also include the step of verifying the consumer digital signature with the consumer public key in the processing device of the processing server In some embodiments, the blockchain data value may further include a consumer public key And the method 400 is a step of generating a consumer blockchain address using the consumer public key by the processing device of the processing server Wherein the consumer blockchain address is further included in the transmission to the nodes in the blockchain network May further include the step In one embodiment, the seller digital signature can be accompanied by a seller public key

[0053] And the seller public key can be included in the transmission to the nodes in the blockchain network In a further embodiment, the method 400 may further include the step of verifying the seller digital signature with the seller public key by the processing device of the processing server In some cases May further include the step of verifying the seller digital signature with the seller public key by the processing device of the processing server In one embodiment, the dispute resolution process involves the exchange of data messages between a first computing device and a second computing device related to blockchain data values. This may further include the step of performing the exchange.

[0054] In one embodiment, method 400 may include the following steps: storing a cryptographic key pair including a server private key and a server public key in the memory (e.g., memory 226) of the processing server; generating a server digital signature using the server private key and a server blockchain address using the server public key by the processing device of the processing server; transmitting, by the transmission unit of the processing server, at least the server digital signature and the currency amount to a node in the blockchain network associated with the blockchain, wherein the transmission of at least the seller digital signature and the currency amount to a node in the blockchain network further includes the server blockchain address. In a further embodiment, the transmission of at least the server digital signature and the currency amount to a node in the blockchain network may further include a consumer blockchain address.

[0055] Computer System Architecture FIG. 5 shows a computer system 500. Embodiments of the present disclosure, or portions thereof, may be implemented as computer-readable code therein. For example, the processing server 102 of FIG. 1 may be implemented within the system 500 using hardware, software, firmware, a non-transitory computer-readable medium having stored instructions, or a combination thereof. ​​​​​​​​​​It may be implemented in one or more computer systems or other processing systems. Hardware ware, software, and any combination thereof may implement the modules and components used to implement the methods of FIGS. 3 and 4.

[0056] If programmable logic is used, such logic is executed on a commercially available processing platform configured with executable software code and may be a dedicated device or a special purpose device (e.g., a programmable logic array, an application specific integrated circuit (ASIC), etc.). Those skilled in the art will understand that embodiments of the disclosed subject matter are executable in a variety of computer system configurations, including multi-core multi-processor systems, minicomputers, mainframe computers, computers linked or clustered with distributed functions, and general-purpose (pervasive) or miniature computers virtually implementable on any device. For example, at least one processor device and memory may be used to implement the above embodiments.

[0057] The processor unit or device of the present disclosure may be a single processor, multiple processors, or a combination thereof. The processor device may have one or more processor “cores”. The terms “computer program medium”, “non-transitory computer-readable medium” and “computer-usable medium” as used herein generally refer to tangible media (e.g., removable storage unit 518, removable storage unit 522, and hard used to refer to a hard disk or the like installed in the drive disk drive 512 is used.

[0058] Various embodiments of the present disclosure are described with respect to this exemplary computer system 500 After reading the present disclosure, it will be apparent to those skilled in the art how to implement the present disclosure using other computer systems and / or computer architectures. The operations are disclosed as sequential processing, but some operations may actually be performed in parallel, simultaneously and / or in a distributed environment. At this time, the program code is stored locally or remotely in a state accessible by a single-processor or multi-processor machine. Further, in some embodiments, the order of operations can be rearranged without departing from the spirit of the disclosed terms. It is obvious. The operations are disclosed as sequential processing, but some operations may actually be performed in parallel, simultaneously and / or in a distributed environment. At this time, the program code is stored locally or remotely in a state accessible by a single-processor or multi-processor machine. Further, in some embodiments, the order of operations can be rearranged without departing from the spirit of the disclosed terms. It is obvious. The operations are disclosed as sequential processing, but some operations may actually be performed in parallel, simultaneously and / or in a distributed environment. At this time, the program code is stored locally or remotely in a state accessible by a single-processor or multi-processor machine. Further, in some embodiments, the order of operations can be rearranged without departing from the spirit of the disclosed terms. and / or in a distributed environment. At this time, the program code is stored locally or remotely in a state accessible by a single-processor or multi-processor machine. Further, in some embodiments, the order of operations can be rearranged without departing from the spirit of the disclosed terms. and / or in a distributed environment. At this time, the program code is stored locally or remotely in a state accessible by a single-processor or multi-processor machine. Further, in some embodiments, the order of operations can be rearranged without departing from the spirit of the disclosed terms. and / or in a distributed environment. At this time, the program code is stored locally or remotely in a state accessible by a single-processor or multi-processor machine. Further, in some embodiments, the order of operations can be rearranged without departing from the spirit of the disclosed terms. and / or in a distributed environment. At this time, the program code is stored locally or remotely in a state accessible by a single-processor or multi-processor machine. Further, in some embodiments, the order of operations can be rearranged without departing from the spirit of the disclosed terms.

[0059] The processor device 504 may be a special-purpose or general-purpose processor device specifically configured to execute the functions of the present disclosure. The processor device 504 may be connected to a communication infrastructure 506 (e.g., a bus, message queue, network, multi-core message passing scheme, etc.). The network may be any network suitable for executing the functions of the present disclosure, including a local area network (LAN), wide area network (WAN), wireless network (e.g., Wifi (registered trademark)), mobile communication network, satellite network, Internet, optical fiber, coaxial cable, infrared, radio frequency (RF), or any combination thereof. Other suitable network types and configurations will be apparent to those skilled in the art. The computer system 500 may also be a memory and / or in a distributed environment. At this time, the program code is stored locally or remotely in a state accessible by a single-processor or multi-processor machine. Further, in some embodiments, the order of operations can be rearranged without departing from the spirit of the disclosed terms. and / or in a distributed environment. At this time, the program code is stored locally or remotely in a state accessible by a single-processor or multi-processor machine. Further, in some embodiments, the order of operations can be rearranged without departing from the spirit of the disclosed terms. and / or in a distributed environment. At this time, the program code is stored locally or remotely in a state accessible by a single-processor or multi-processor machine. Further, in some embodiments, the order of operations can be rearranged without departing from the spirit of the disclosed terms. and / or in a distributed environment. At this time, the program code is stored locally or remotely in a state accessible by a single-processor or multi-processor machine. Further, in some embodiments, the order of operations can be rearranged without departing from the spirit of the disclosed terms. and / or in a distributed environment. At this time, the program code is stored locally or remotely in a state accessible by a single-processor or multi-processor machine. Further, in some embodiments, the order of operations can be rearranged without departing from the spirit of the disclosed terms. and / or in a distributed environment. At this time, the program code is stored locally or remotely in a state accessible by a single-processor or multi-processor machine. Further, in some embodiments, the order of operations can be rearranged without departing from the spirit of the disclosed terms. and / or in a distributed environment. At this time, the program code is stored locally or remotely in a state accessible by a single-processor or multi-processor machine. Further, in some embodiments, the order of operations can be rearranged without departing from the spirit of the disclosed terms. and / or in a distributed environment. At this time, the program code is stored locally or remotely in a state accessible by a single-processor or multi-processor machine. Further, in some embodiments, the order of operations can be rearranged without departing from the spirit of the disclosed terms. The computer system 500 may also be a memory It may include in-memory 508 (e.g., random access memory, read-only memory, etc.) The computer may also include secondary memory 510. The secondary memory 510 may be a hard disk drive. drive 512 and a removable storage drive 514 (e.g., a floppy disk drive The device may include a hard disk drive, a magnetic tape drive, an optical disk drive, a flash memory, etc.

[0060] The removable storage drive 514 may be configured to store removable storage in a known manner. You can read from and write to the data unit 518. The removable storage unit 518 is provided by a removable storage drive 514. It may include removable storage media that can be read from and written to. For example, if the removable storage drive 514 is a floppy disk drive or If the Universal Serial Bus port, the removable storage unit 518 Each may be a floppy disk or a portable flash drive. In the present embodiment, the removable storage unit 518 may be a non-transitory readable storage medium. .

[0061] In some embodiments, the secondary memory 510 includes an alternative means for storing computer programs. The program or other instructions may be stored in the computer system 500 (e.g., a removable storage unit). Such a configuration may be loaded into the application program (e.g., the application program 522 and the application program interface 520). Examples of means are program cartridges and cartridges (as found, for example, in video game systems). Cartridge interface, removable memory chips (e.g. EEPROM, PRO M, etc.), associated sockets, other removable storage units 522, and an interface 520 may be included. This is obvious to those skilled in the art.

[0062] Data stored in computer system 500 (e.g., in main memory 508 and / or auxiliary memory 5 10) may be stored on any suitable type of computer-readable medium (e.g., optical storage (compact disc, digital versatile disc, Blu-ray (registered trademark ) disc, etc.) or magnetic tape storage (e.g., hard disk drive)). The data may be configured in any suitable type of database configuration (e.g., relational database, structured query language (SQL) database, distributed database, object database, etc.). Suitable configurations and storage types are obvious to those skilled in the art. database, etc.). Suitable configurations and storage types are obvious to those skilled in the art. database, etc.). Suitable configurations and storage types are obvious to those skilled in the art. It is obvious to those skilled in the art.

[0063] Computer system 500 may also include a communication interface 524. The communication interface 524 may enable software and data to be transmitted between computer system 500 and an external device. Exemplary communication interface 524 may include a modem, a network interface (e.g., Ethernet card), a communication port, a PC MCIA slot and card, etc. Software and data transferred via communication interface 524 may be in signal form. The signal form may be electronic, electromagnetic optical, or other signals obvious to those skilled in the art. The signal is transmitted via communication path 5 26. The communication path 526 is configured to transmit signals and includes wires, cables etc. may be implemented using a router, optical fiber, telephone line, mobile phone link, radio frequency link, etc. .

[0064] Computer system 500 may further include a display interface 502. The display in terface 502 may be configured to enable data to be transferred between computer system 500 and an external display unit 530. An exemplary display interface 502 may include a high-definition multimedia interface (HDMI), digital visual interface (DVI), video graphics array (VGA), etc. Display unit 53 0 may be any suitable type of display, and display the data transferred via the display interface 502 of computer system 500. Display unit 830 may be a cathode ray tube (CRT) display, liquid crystal display (LCD), light-emitting diode (LED) display, capacitive touch display, thin film transistor (TFT) display, etc. etc. etc. etc.

[0065] Computer program media and computer-usable media may refer to memory (e.g., main memory 508 and auxiliary memory 510), and may be semiconductor memory (such as DRAM). These computer program products may be means for providing software to computer system 500. A computer program (e.g., computer control logic) may be stored in main memory 508 and / or auxiliary memory 510. The computer program may also be received via communication interface 524. When such a computer program is executed, computer system 500 is It may be possible to execute the method of the present disclosure. In particular, the computer program, when executed may enable the processor device 504 to execute the method of the present disclosure shown in FIGS. 3 and 4. Accordingly, such a computer program represents the controller of the computer system 500. The present disclosure is implemented using software. The software may be stored in a computer program product using a removable storage drive 514, an interface 520, and a hard disk drive 512 or a communication interface 524 and loaded into the computer system 500.

[0066] The processor device 504 may include one or more modules or engines configured to execute the functions of the computer system 500. Each module or engine may be implemented using hardware, and in some embodiments may use software (e.g., this may correspond to program code or a program stored in the main memory 508 or the auxiliary memory 510). In such embodiments, the program code may be compiled by the processor device 504 (e.g., by compiling a module or engine) before being executed by the hardware of the computer system 500. For example, the program code may be source code written in a programming language that is interpreted into a low-level language (e.g., assembly language or machine code). This is for execution by the processor device 504 and / or any additional hardware components of the computer system 500. The compilation process includes lexical analysis, preprocessing, and parsing. ​Parsing, semantic analysis, syntax-directed translation, code generation, code optimization, and compilation Interpret the program code into a low-level language for the control of the computer system 500 and include the use with any other technology suitable for performing the functions disclosed herein. For those skilled in the art, By such processing, it is obvious that the computer system 500 becomes a specially configured computer system 500 programmed intentionally to perform the above functions. The technology consistent with the present disclosure has other features, but provides a system and method for dispute resolution of blockchain transactions. Although various exemplary embodiments of the system and method of the present disclosure are described above, it should be understood that they are shown for illustrative purposes only and not for limiting purposes. It is not exhaustive and does not limit the present disclosure to the disclosed form itself. Modifications and variations are possible in light of the above teachings. Modifications and variations may be obtained from the implementation of the present disclosure without departing from the scope or range.

[0067] The technology consistent with the present disclosure has other features, but provides a system and method for dispute resolution of blockchain transactions. The various exemplary embodiments of the system and method of the present disclosure are described above, but it should be understood that they are shown for illustrative purposes only and not for limiting purposes. It should be understood that they are shown for illustrative purposes only and not for limiting purposes. It is not exhaustive and does not limit the present disclosure to the disclosed form itself. Modifications and variations are possible in light of the above teachings. Modifications and variations may be obtained from the implementation of the present disclosure without departing from the scope or range. With the above teachings in mind, modifications and variations are possible. Modifications and variations may be obtained from the implementation of the present disclosure without departing from the scope or range. Without departing from the scope or range, modifications and variations may be obtained from the implementation of the present disclosure.​

Claims

1. A method for dispute resolution regarding blockchain transactions, comprising: receiving, by a receiving unit of a processing server, a dispute request including a blockchain transaction identifier and a dispute reason code from a first computing device of a blockchain network, wherein the received blockchain transaction identifier identifies a transaction on the blockchain; transmitting, by the receiving unit of the processing server, the blockchain transaction identifier and the dispute reason code to a processing device of the processing server; receiving, by the processing device of the processing server, the transmitted blockchain transaction identifier and the dispute reason code from the receiving unit; identifying, by the processing device of the processing server, the transaction, a seller blockchain address, and a currency amount in blockchain data values of the blockchain based on the received blockchain transaction identifier; determining, by the processing device of the processing server, whether the transaction is valid or invalid, wherein determining that the transaction is invalid includes: receiving, by the processing device of the processing server, evidence regarding the dispute request from the first computing device; determining, by the processing device of the processing server, that the dispute request is valid based on the evidence; including: in response to determining that the transaction is invalid, executing, by the processing device of the processing server, a dispute resolution process for the blockchain transaction, the dispute resolution process including: receiving, by the receiving unit of the processing server, a seller digital signature from a second computing device of the blockchain network; transmitting, by the receiving unit of the processing server, the received seller digital signature to the processing device of the processing server; transmitting, by the processing device of the processing server, the seller digital signature and the currency amount to a transmitting unit of the processing server; receiving, by the transmitting unit of the processing device, the seller digital signature and the currency amount; The transmitting unit of the processing server transmits at least the seller digital signature and the currency amount to the nodes in the blockchain network, including, performing, including, a method.

2. In the method according to claim 1, the determination that the transaction is valid is the processing device of the processing server receiving evidence regarding the dispute request from the first computing device, the processing device of the processing server determining, based on the evidence, that the dispute request is invalid, and the method further includes in response to the determination that the transaction is valid, the processing device of the processing server generating a record of the invalidation regarding the dispute request received from the first computing device, including, a method.

3. In the method according to claim 1, the reception of the dispute request triggers the execution of a smart contract on the blockchain, and the smart contract represents an escrow blockchain transaction that places the currency amount in escrow, a method.

4. In the method according to claim 1, the processing device of the processing server includes storing a record of the dispute request in a database, the determination of the dispute request received from the first computing device is the processing device of the processing server identifying one or more dispute requests in the database associated with the first computing device and / or the second computing device, a method.

5. In the method according to claim 1, the receiving unit of the processing server receives a consumer digital signature, and the consumer digital signature is received as part of the dispute request, the processing device of the processing server identifying the consumer public key within the blockchain data value of the blockchain, the processing device of the processing server verifying the consumer digital signature using the consumer public key, including, a method.

6. In the method according to claim 1, the processing device of the processing server identifying the consumer public key within the blockchain data value of the blockchain, The processing device of the processing server generates a consumer blockchain address using the consumer public key; The transmission unit of the processing server transmits the consumer blockchain address to the nodes in the blockchain network; A method including the above.

7. In the method according to claim 1, The receiving unit of the processing server receives the seller public key; The transmission unit of the processing device transmits the seller public key to the nodes in the blockchain network; A method including the above.

8. In the method according to claim 7, A method including the processing device of the processing server verifying the seller digital signature using the seller public key.

9. In the method according to claim 1, The dispute resolution process includes exchanging data messages between the first computing device and the second computing device of the blockchain network.

10. A system for dispute resolution regarding blockchain transactions, Including a processing server and A non-transitory memory containing instructions that, when executed by the processing server, cause the processing server to, The receiving unit of the processing server receives a dispute request including a blockchain transaction identifier and a dispute reason code from a first computing device of the blockchain network, where the received blockchain transaction identifier identifies a transaction on the blockchain; The receiving unit of the processing server transmits the blockchain transaction identifier and the dispute reason code to the processing device of the processing server; The processing device of the processing server receives the transmitted blockchain transaction identifier and the dispute reason code from the receiving unit; The processing device of the processing server identifies the transaction, the seller blockchain address, and the currency amount in the blockchain data value of the blockchain based on the received blockchain transaction identifier; The processing device of the processing server determines whether the transaction is valid or invalid, and determining that the transaction is invalid means that the processing device of the processing server receives evidence regarding the dispute request from the first computing device, and the processing device of the processing server determines, based on the evidence, that the dispute request is valid, including executing in response to determining that the transaction is invalid, the processing device of the processing server executes a dispute resolution process for the blockchain transaction, and the dispute resolution process the receiving unit of the processing server receives a seller digital signature from a second computing device of the blockchain network, the receiving unit of the processing server transmits the received seller digital signature to the processing device of the processing server, the processing device of the processing server transmits the seller digital signature and the currency amount to the transmitting unit of the processing server, the transmitting unit of the processing device receives the seller digital signature and the currency amount, the transmitting unit of the processing server transmits at least the seller digital signature and the currency amount to a node in the blockchain network, including executing a system for executing.

11. In the system according to claim 10, the determination that the transaction is valid the processing device of the processing server receives evidence regarding the dispute request from the first computing device, and the processing device of the processing server determines, based on the evidence, that the dispute request is invalid, including executing. In the system, in response to the determination that the transaction is valid, the processing device of the processing server generates a record of invalidity for the dispute request received from the first computing device, including executing. A system.

12. In the system according to claim 10, Receiving the dispute request triggers the execution of a smart contract on the blockchain, and the smart contract is a system that represents an escrow blockchain transaction for placing the currency amount in escrow.

13. In the system according to claim 10, including storing a record of the dispute request in a database by the processing device of the processing server, the determination of the dispute request received from the first computing device is a system that includes identifying one or more dispute requests in the database associated with the first computing device and / or the second computing device by the processing device of the processing server.

14. In the system according to claim 10, receiving a consumer digital signature by the receiving unit of the processing server, where the consumer digital signature is received as part of the dispute request, identifying the consumer public key within the blockchain data value of the blockchain by the processing device of the processing server, and verifying the consumer digital signature using the consumer public key by the processing device of the processing server. A system including performing the above.

15. In the system according to claim 10, identifying the consumer public key within the blockchain data value of the blockchain by the processing device of the processing server, generating a consumer blockchain address using the consumer public key by the processing device of the processing server, and transmitting the consumer blockchain address to the nodes within the blockchain network by the transmitting unit of the processing server. A system including performing the above.

16. In the system according to claim 10, receiving a seller public key by the receiving unit of the processing server, and transmitting the seller public key to the nodes within the blockchain network by the transmitting unit of the processing device. A system including performing the above.

17. In the system according to claim 16, including verifying the seller digital signature using the seller public key by the processing device of the processing server.

18. In the system according to claim 10, The dispute resolution process includes exchanging data messages between the first computing device and the second computing device of the blockchain network. System.

19. A method for rolling back a blockchain transaction, Receiving, by a receiving unit of a processing server, a request for rolling back a blockchain transaction from a first computing device of a blockchain network, wherein the request includes a blockchain transaction identifier for identifying the blockchain transaction on the blockchain and a reason code; Sending, by the receiving unit of the processing server, the blockchain transaction identifier and the reason code to a processing device of the processing server; Receiving, by the processing device of the processing server, the sent blockchain transaction identifier and the reason code from the receiving unit; Identifying, by the processing device of the processing server, the blockchain transaction and a seller blockchain address in a blockchain data value of the blockchain based on the received blockchain transaction identifier; Determining, by the processing device of the processing server, whether the blockchain transaction is eligible for rollback, and determining that the blockchain transaction is eligible for rollback includes: Receiving, by the processing device of the processing server, evidence regarding the request for rollback from the first computing device; Determining, by the processing device of the processing server, that the request for rollback is valid based on the evidence; Including, In response to determining that the blockchain transaction is eligible for rollback, Receiving, by the receiving unit of the processing server, a seller digital signature from a second computing device associated with the seller blockchain address; Sending, by the receiving unit of the processing server, the received seller digital signature to the processing device of the processing server; The processing device of the processing server transmits the seller digital signature and the currency amount of the blockchain transaction to the transmission unit of the processing server; The transmission unit of the processing device receives the seller digital signature and the currency amount; The transmission unit of the processing server transmits at least the seller digital signature and the currency amount to a node in the blockchain network; A method comprising the above.

20. In the method according to claim 19, In response to determining that the blockchain transaction is not eligible for rollback, The processing device of the processing server includes determining that the blockchain transaction is valid. The determination that the blockchain transaction is valid includes: The processing device of the processing server receives evidence regarding the rollback request from the first computing device; The processing device of the processing server determines that the rollback request is invalid based on the evidence; The processing device of the processing server generates an invalid record for the rollback request received from the first computing device; A method comprising the above.

21. In the method according to claim 19, Receiving the rollback request triggers the execution of a smart contract on the blockchain. The smart contract indicates an escrow blockchain transaction that places the currency amount in escrow. A method.

22. In the method according to claim 19, The processing device of the processing server includes storing a record of the rollback request in a database. The determination that the rollback request received from the first computing device is eligible for rollback includes: The processing device of the processing server identifies one or more rollback requests in the database associated with the first computing device and / or the second computing device. A method.

23. In the method according to claim 19, receiving, by the receiving unit of the processing server, a consumer digital signature, wherein the consumer digital signature is received as part of the rollback request; identifying, by the processing device of the processing server, a consumer public key within the blockchain data value of the blockchain; verifying, by the processing device of the processing server, the consumer digital signature using the consumer public key; A method comprising the steps of:

24. In the method according to claim 19, identifying, by the processing device of the processing server, a consumer public key within the blockchain data value of the blockchain; generating, by the processing device of the processing server, a consumer blockchain address using the consumer public key; transmitting, by the transmitting unit of the processing server, the consumer blockchain address to the nodes within the blockchain network; A method comprising the steps of:

25. In the method according to claim 19, receiving, by the receiving unit of the processing server, a seller public key; verifying, by the processing device of the processing server, the seller digital signature using the seller public key; transmitting, by the transmitting unit of the processing device, the seller public key to the nodes within the blockchain network; A method comprising the steps of:

26. In the method according to claim 25, determining, by the processing device of the processing server, that the blockchain transaction is eligible for rollback, A method comprising applying, by the processing device of the processing server, one or more rollback rules to the blockchain transaction.

27. In the method according to claim 19, determining, by the processing device of the processing server, that the blockchain transaction is eligible for rollback, A method comprising exchanging data messages between the first computing device and the second computing device of the blockchain network.

28. A system for rollback of blockchain transactions, comprising: a processing server; a non-transitory memory containing instructions that, when executed by the processing server, cause the processing server to: Receiving, by a receiving unit of the processing server, a request for rolling back a blockchain transaction from a first computing device of a blockchain network, where the request includes a blockchain transaction identifier for identifying the blockchain transaction on the blockchain and a reason code, Sending, by the receiving unit of the processing server, the blockchain transaction identifier and the reason code to a processing device of the processing server, Receiving, by the processing device of the processing server, the sent blockchain transaction identifier and the reason code from the receiving unit, Identifying, by the processing device of the processing server, the blockchain transaction and a seller blockchain address in blockchain data values of the blockchain based on the received blockchain transaction identifier, Determining, by the processing device of the processing server, whether the blockchain transaction is eligible for rollback, where determining that the blockchain transaction is eligible for rollback is Receiving, by the processing device of the processing server, evidence regarding the request for rollback from the first computing device, Determining, by the processing device of the processing server, that the request for rollback is valid based on the evidence, including performing, In response to determining that the blockchain transaction is eligible for rollback, Receiving, by the receiving unit of the processing server, a seller digital signature from a second computing device associated with the seller blockchain address, Sending, by the receiving unit of the processing server, the received seller digital signature to the processing device of the processing server, Sending, by the processing device of the processing server, the seller digital signature and the currency amount of the blockchain transaction to a sending unit of the processing server, Receiving, by the sending unit of the processing device, the seller digital signature and the currency amount, Causing the transmission unit of the processing server to transmit at least the seller digital signature and the currency amount to nodes in the blockchain network; A system for causing the above to be executed.

29. The system according to claim 28, In response to determining that the blockchain transaction is not eligible for rollback, Including determining by the processing device of the processing server that the blockchain transaction is valid, and the determination that the blockchain transaction is valid is Receiving, by the processing device of the processing server, evidence regarding the rollback request from the first computing device; Determining, by the processing device of the processing server, based on the evidence, that the rollback request is invalid; Generating, by the processing device of the processing server, the invalid record regarding the rollback request received from the first computing device; A system including executing the above.

30. In the system according to claim 28, Receiving the rollback request triggers the execution of a smart contract on the blockchain, and the smart contract indicates an escrow blockchain transaction that places the currency amount in escrow. A system.

31. In the system according to claim 28, Including executing, by the processing device of the processing server, storing a record of the rollback request in a database, The determination that the rollback request received from the first computing device is eligible for rollback is A system including identifying, by the processing device of the processing server, one or more rollback requests in the database associated with the first computing device and / or the second computing device.

32. In the system according to claim 28, Receiving, by the receiving unit of the processing server, a consumer digital signature, wherein the consumer digital signature is received as part of the rollback request; Identifying, by the processing device of the processing server, the consumer public key within the blockchain data value of the blockchain; verifying, by the processing device of the processing server, the consumer digital signature using the consumer public key; A system including executing.

33. In the system according to claim 28, identifying, by the processing device of the processing server, the consumer public key within the blockchain data value of the blockchain; generating, by the processing device of the processing server, a consumer blockchain address using the consumer public key; transmitting, by the transmitting unit of the processing server, the consumer blockchain address to the nodes within the blockchain network; A system including executing.

34. In the system according to claim 28, receiving, by the receiving unit of the processing server, a seller public key; verifying, by the processing device of the processing server, the seller digital signature using the seller public key; transmitting, by the transmitting unit of the processing device, the seller public key to the nodes within the blockchain network; A system including executing.

35. In the system according to claim 34, determining, by the processing device of the processing server, that the blockchain transaction is eligible for rollback, A system including applying, by the processing device of the processing server, one or more rollback rules to the blockchain transaction.

36. In the system according to claim 28, determining, by the processing device of the processing server, that the blockchain transaction is eligible for rollback, A system including exchanging data messages between the first computing device and the second computing device of the blockchain network.

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