AI Agent Dispute Resolution for Consistent Transaction Handling
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Solution Overview
Problem
Financial transaction disputes are resource-intensive and prone to human error due to inconsistent application and interpretation of complex payment network rules and regulations, leading to inconsistent resolutions.
Innovation Solution
An AI-driven dispute resolution system that utilizes machine learning models trained on historical dispute resolutions, payment network rules, and government regulations to automate and standardize the dispute resolution process, reducing human intervention and improving consistency.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If human personnel manually resolve disputes, then flexibility in handling complex cases is maintained, but resource consumption increases and consistency deteriorates
Solution Approach 1:
The patent introduces an AI intermediary system that mediates between dispute inputs and resolution outputs, applying rules consistently without human variability. The AI agent serves as a mediator that processes disputes through standardized procedures while maintaining reliability across all cases.
Solution Approach 2:
The patent replaces the mechanical human decision-making system with an automated AI-based system that applies rules and regulations consistently. This substitution eliminates human error and inconsistency while improving resource efficiency through automation.
2Productivity
If AI automation is implemented, then resource efficiency improves and consistency is enhanced, but complexity of the system increases
Solution Approach 1:
The patent segments the dispute resolution system into modular components including AI agents, rule engines, and data processing modules. This segmentation allows the complex system to be managed through independent, interchangeable units that can be developed and maintained separately.
Solution Approach 2:
The patent creates a universal AI agent framework that can handle multiple types of disputes across different domains. The system is designed to be multi-functional, accommodating various rule sets and regulation types within a single platform, thereby managing complexity through versatility.
3Reliability
If more personnel are deployed to resolve disputes, then resolution thoroughness improves, but operational cost increases
Solution Approach 1:
The patent implements a self-service dispute resolution system where the AI agents autonomously process disputes without requiring human personnel for each case. The system serves itself by automatically applying rules, making decisions, and generating resolutions, thereby maintaining thoroughness while eliminating the need for extensive personnel deployment.
Data Source
AI summary
Technologies for resolving disputed transactions include a system with circuitry configured to receive a user interaction from a user interface channel, provide the user interaction with multiple topics and available actions for agent responsibility to a large language model, identify an action and parameters related to a dispute for a financial transaction in response to providing the user interaction to the large language model, execute the identified action with the parameters, and log data indictive of the user interaction, the identified action, the parameters, and any response. Other embodiments are also described and claimed.