Chargeback Data Formatting Automation for Merchant Disputes
Solution Overview
Problem
Existing electronic transaction systems face inefficiencies in handling chargebacks due to varying formatting requirements across different credit card processors, leading to manual and time-consuming processes for merchants to resolve disputes.
Innovation Solution
A chargeback facilitation application that receives information from merchants, converts it into formats required by specific credit card processors, and generates representment data structures for transmission, using a database of configuration parameters to automate the formatting and transmission process.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If manual formatting of chargeback data is performed to meet varying processor requirements, then chargeback resolution can be completed, but the process becomes time-consuming and inefficient
Solution Approach 1:
The system performs preliminary actions by pre-configuring processor-specific formatting requirements and automatically applying the appropriate format conversions before chargeback data is submitted. This eliminates the need for manual formatting work during the actual chargeback resolution process, thereby improving productivity and reducing time loss.
Solution Approach 2:
The patent introduces an intermediary component (the chargeback processing system with format conversion capabilities) that mediates between the merchant's chargeback data and the various credit card processors' requirements. This intermediary automatically handles format conversions, allowing chargeback data to be processed efficiently without manual intervention for each processor's specific requirements.
2Adaptability or versatility
If multiple format conversion processes are implemented to support different credit card processors, then compatibility with various processors is achieved, but system complexity increases
Solution Approach 1:
The chargeback processing system implements universality by designing a multi-functional platform that can handle multiple credit card processors through a single unified interface. The system maintains a database of processor-specific requirements and automatically selects and applies the appropriate format conversion rules, enabling one system to serve multiple processors without requiring separate processing paths for each.
Solution Approach 2:
The system manages complexity by dynamically changing parameters (formatting rules, data structures, encoding schemes) based on the target processor rather than creating separate systems. The format conversion component adjusts output parameters according to the selected processor's requirements, allowing the same core system to adapt to different processors without increasing structural complexity.
Data Source
AI summary
A method including: receiving a chargeback message from a processor (or offering the service to tenants who can submit chargeback details over AP's), selecting from a database data configuration parameters corresponding to the processor; receiving a first data file via a graphical user interface, wherein the first data file includes evidence responsive to the chargeback message; converting the first data file from a first format to a second format according to the data configuration parameters; after converting the first data file, generating a representment data structure that includes the first data file in the second format; and transmitting the representment data structure to the processor.