AI Agent Dispute Resolution for Payment Rule Consistency
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Solution Overview
Problem
Financial transaction dispute resolution is resource-intensive and prone to human error due to the complexity of payment network rules and government regulations, leading to inconsistent resolutions.
Innovation Solution
An AI-driven dispute resolution system that utilizes machine learning models trained on historical dispute data, payment network rules, and government regulations to automate and standardize the dispute resolution process, incorporating data preprocessing and user interfaces for efficient and consistent resolution.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If human personnel are used to resolve disputes, then complex rules and regulations can be interpreted and applied, but the process becomes resource-intensive and prone to human error
Solution Approach 1:
The system enables self-service dispute resolution by automatically applying payment network rules and government regulations to disputed transactions without human intervention. The processor independently evaluates disputes using encoded rule sets, eliminating the need for human personnel to manually interpret and apply complex regulations, thereby achieving both high reliability and resource efficiency
Solution Approach 2:
The patent replaces the mechanical system of human personnel with an automated electronic processing system. The processor uses encoded rule sets and algorithms to automatically resolve disputes, substituting human cognitive processes with machine-based decision-making that consistently applies regulations without fatigue or error, improving both reliability and productivity
2Reliability
If human personnel resolve disputes, then nuanced interpretation of rules is possible, but human error and inconsistencies arise
Solution Approach 1:
The system performs self-service by automatically and consistently applying encoded payment network rules and government regulations to each dispute without human intervention. This eliminates human error and inconsistencies while maintaining accurate rule application through precise electronic processing of dispute criteria against established rule sets
Solution Approach 2:
The patent transforms the subjective parameter of human interpretation into objective electronic parameters through encoded rule sets. By converting regulatory criteria into structured data formats that the processor can systematically evaluate, the system achieves precise and consistent rule application across all disputes, eliminating variability in interpretation
3Productivity
If automated systems are used to resolve disputes, then resource efficiency improves, but handling complex rules and regulations becomes challenging
Solution Approach 1:
The system segments complex dispute resolution into distinct modular components: encoding payment network rules into separate rule sets, encoding government regulations into separate rule sets, and processing different dispute criteria through standardized evaluation modules. This segmentation allows the automated processor to handle complexity through organized, manageable units while maintaining high resource efficiency
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.