Transaction Dispute Queueing From Anomaly-Based Account Predictions

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Solution Overview

Problem

Conventional dispute systems require manual intervention and delayed data submission, leading to inefficient dispute processing and resource strain, with users unable to initiate disputes until certain transaction stages are reached, and lacking transparent progress tracking.

Innovation Solution

A system that generates a transaction pattern model based on user account data, detects deviations, and allows early dispute data generation, storing it in an automated queue for later release, with interactive visualizations and seamless API translations to manage disputes efficiently.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If conventional dispute systems wait for transaction charge posting before allowing dispute initiation, then system processing accuracy is improved, but dispute processing time and user convenience deteriorate

Engineering Contradiction:

Improvedispute processing accuracyVSAvoiddispute processing time

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The system performs preliminary actions by generating and storing dispute data in an automated queue before the transaction charge posting stage is reached. Users can submit dispute data early, and the system automatically triggers processing when the transaction reaches the posted state, eliminating the need to wait while maintaining processing accuracy.

Inventive Principle:

Principle #10Preliminary action

2Loss of information

If users communicate multiple times through call centers to manage disputes, then complete information gathering is improved, but user convenience and system resource efficiency deteriorate

Engineering Contradiction:

Improveinformation completenessVSAvoiduser convenience

Core Design Contradiction:

Loss of informationVSEase of operation

Solution Approach 1:

The system enables self-service by allowing users to submit dispute data directly through automated interfaces at any stage, eliminating the need for multiple call center interactions. The automated queue system handles data collection, storage, and triggering, providing continuous availability without requiring user effort to navigate complex communication protocols.

Inventive Principle:

Principle #25Self-service

Solution Approach 2:

The automated queue acts as an intermediary between users and the dispute processing system. It receives dispute data from users, stores it temporarily, and automatically triggers processing when appropriate, serving as a bridge that eliminates direct human intervention while maintaining information completeness.

Inventive Principle:

Principle #24Intermediary (Mediator)

3Measurement precision

If users fragment data submission across multiple communications, then data accuracy is improved, but dispute processing efficiency and system resource usage deteriorate

Engineering Contradiction:

Improvedata accuracyVSAvoiddispute processing efficiency

Core Design Contradiction:

Measurement precisionVSProductivity

Solution Approach 1:

The system merges fragmented data submission into a single automated process. Users can provide all necessary dispute information in one interaction, and the automated queue consolidates this data, stores it efficiently, and triggers processing when needed, eliminating the inefficiency of multiple fragmented communications while maintaining data accuracy through structured data collection forms.

Inventive Principle:

Principle #5Merging (Combining)

4Measurement precision

If call center systems process disputes manually, then detailed analysis capability is improved, but system resource strain and processing speed deteriorate

Engineering Contradiction:

Improvedata analysis capabilityVSAvoidsystem processing capacity

Core Design Contradiction:

Measurement precisionVSPower

Solution Approach 1:

The system replaces manual mechanical processing with automated electronic processing. The automated queue system electronically stores, manages, and triggers dispute processing based on predefined conditions, substituting human manual analysis with automated systems that reduce resource strain while maintaining analytical capability through structured data processing and pattern recognition algorithms.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

Data Source

PatentUS12614196B2Systems and methods to manage transaction disputes using predictions based on anomalous data

Publication Date: 2026.04.28 FIDELITY INFORMATION SERVICES LLC

AI summary

Disclosed herein are systems and methods for managing transaction disputes. Techniques include accessing a transaction pattern model associated with a user account; detecting deviation of a transaction from the transaction pattern model; transmitting, based on the detected deviation, transaction data to a user device; receiving an input at the user device in response to the transmitted data; generating, based on the received input, dispute data; storing the dispute data; monitoring data extracts associated with the user account; detecting, based on the monitoring, a data extract indicating a posted state of a transaction associated with the dispute data; and updating the dispute data based on the data extract indicating the posted state.