Blockchain Dispute Analytics Interface for Payment Transaction Resolution

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Solution Overview

Problem

Current payment transaction dispute resolution processes are cumbersome, lengthy, and costly, relying on payment networks that impose complex rules and increase the risk of fraud, necessitating a more efficient and transparent method for dispute resolution.

Innovation Solution

A blockchain-based dispute resolution system that utilizes a shared ledger accessible to participants, enabling efficient dispute management through Smart Contracts and user interface systems to analyze transaction attributes and resolve disputes directly between consumers and merchants.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If payment network intermediaries are used for dispute resolution, then dispute resolution can be achieved through established processes, but the process becomes cumbersome, lengthy, and costly

Engineering Contradiction:

Improvedispute resolution capabilityVSAvoiddispute resolution time

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The patent extracts the dispute resolution process from the traditional payment network intermediary and implements it directly on the blockchain platform. Smart contracts automatically execute dispute resolution logic without requiring payment network intermediaries, thereby eliminating the cumbersome and lengthy processes while maintaining reliable dispute resolution through decentralized consensus mechanisms

Inventive Principle:

Principle #2Taking out (Extraction)

Solution Approach 2:

The patent introduces blockchain as a new intermediary that replaces traditional payment network intermediaries. The distributed ledger and smart contracts serve as the mediating layer between merchants and consumers, providing transparent and automated dispute resolution that reduces both time and cost compared to traditional payment network processes

Inventive Principle:

Principle #24Intermediary (Mediator)

2Reliability

If payment network intermediaries are used for dispute resolution, then dispute resolution can be achieved through established processes, but costs increase due to complex rules and intermediary fees

Engineering Contradiction:

Improvedispute resolution capabilityVSAvoiddispute resolution cost

Core Design Contradiction:

ReliabilityVSLoss of energy

Solution Approach 1:

The patent removes payment network intermediaries and their associated complex rules from the dispute resolution process. By implementing smart contracts on blockchain, the system eliminates intermediary fees and reduces costs while maintaining reliable dispute resolution through automated, transparent execution of agreed-upon terms

Inventive Principle:

Principle #2Taking out (Extraction)

Solution Approach 2:

The patent enables merchants and consumers to resolve disputes autonomously through smart contracts that automatically execute based on predefined conditions. This self-service mechanism eliminates the need for costly payment network intermediary intervention, allowing parties to resolve disputes directly without incurring additional fees

Inventive Principle:

Principle #25Self-service

3Device complexity

If payment network intermediaries are used for dispute resolution, then centralized control can be maintained, but transparency and standardization are reduced

Engineering Contradiction:

Improveprocess control capabilityVSAvoidtransaction information transparency

Core Design Contradiction:

Device complexityVSLoss of information

Solution Approach 1:

The patent inverts the traditional centralized control model by implementing decentralized control through blockchain. Instead of payment networks controlling dispute resolution processes, the system uses distributed consensus and transparent smart contracts that all participants can verify, thereby improving information transparency while maintaining process control through automated execution

Inventive Principle:

Principle #13The other way round (Inversion)

4Ease of operation

If traditional dispute resolution processes are used, then established procedures can be followed, but fraud risk increases due to intermediary involvement

Engineering Contradiction:

Improveprocess followabilityVSAvoidfraud risk

Core Design Contradiction:

Ease of operationVSObject-affected harmful factors

Solution Approach 1:

The patent extracts fraudulent intermediaries from the dispute resolution process and replaces them with transparent blockchain smart contracts. By removing human intermediaries who may be susceptible to fraud, the system maintains easy-to-follow established procedures while significantly reducing fraud risk through immutable, auditable transaction records

Inventive Principle:

Principle #2Taking out (Extraction)

Data Source

PatentUS20260017649A1Interactive user interface systems and methods for analyzing transaction attributes and dispute information using blockchain

Publication Date: 2026.01.15 WORLDPAY LLC

AI summary

Decentralized computer systems and methods are disclosed for analyzing transaction attributes and dispute information using blockchain. One method includes: receiving a first transaction information of a first transaction, wherein the transaction information includes attributes of the first transaction; generating a blockchain entry that stores the received attributes in a shared ledger to participants of the blockchain; receiving an input of a selection of an attribute of the first transaction from a participant of the blockchain to analyze other transactions having the selected attribute; compiling a list of other transactions having the selected attribute; receiving transaction information for each transaction of the list of other transactions; and generating, on a user interface, an analytics report of the attributes of the other transactions.