Dispute Evaluation Using Historical Interaction Rules
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Solution Overview
Problem
Existing dispute resolution methods require resource providers to maintain historical data and evidence, prolonging the time needed to resolve disputes due to network processing computer communication with the resource provider.
Innovation Solution
A system and method that utilizes a network processing computer to receive dispute messages, determine resource provider computers, obtain historical interaction data, evaluate using predefined rules, and provide outcomes to authorizing entities without direct communication with the resource provider.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Measurement precision
If the network processing computer communicates with the resource provider to evaluate the user's dispute, then the dispute can be thoroughly evaluated, but the time needed to resolve the dispute is lengthened
Solution Approach 1:
The system performs preliminary actions by collecting and storing interaction data before disputes occur. The network processing computer maintains a repository of historical interaction data between users and resource providers, which is prepared in advance and can be immediately accessed when a dispute arises, eliminating the need for time-consuming data collection during the dispute resolution process
Solution Approach 2:
The invention extracts the necessary evaluation data from the pre-collected interaction data repository, separating the data collection function from the dispute evaluation process. This allows the system to retrieve only the relevant historical interaction data needed for evaluation without requiring real-time communication with the resource provider
2Reliability
If the resource provider maintains and stores historical data to prove legitimacy, then evidence can be provided, but the system complexity and data storage burden increase
Solution Approach 1:
The system merges the data storage function into the centralized network processing computer rather than requiring separate storage systems at the resource provider. The network processing computer consolidates interaction data from multiple sources into a unified repository, reducing overall system complexity while maintaining evidence availability
Solution Approach 2:
The network processing computer performs multiple functions: it processes transactions, collects interaction data, stores historical records, and evaluates disputes. This multi-functional approach eliminates the need for dedicated evidence storage systems at resource providers, reducing system complexity while maintaining reliability
3Productivity
If the network processing computer automatically evaluates disputes using predefined rules, then dispute resolution speed increases, but the evaluation may lack flexibility
Solution Approach 1:
The system incorporates feedback mechanisms where the outcomes of automated rule-based evaluations can be reviewed and adjusted. The network processing computer compares automated evaluation results with actual dispute outcomes, using this feedback to refine and update the predefined rules, thereby maintaining both automation efficiency and adaptability to new dispute patterns
Solution Approach 2:
The predefined rules in the system are designed to be dynamic and adaptable rather than static. The network processing computer can update and modify evaluation rules based on changing dispute patterns and new information, allowing the automated system to maintain flexibility while preserving resolution speed
Data Source
AI summary
A method includes a computer receiving, from an authorizing entity computer, a dispute message for a dispute comprising an interaction identifier for an interaction between a resource provider and a user. The computer determines a resource provider computer associated with the interaction identified by the interaction identifier. The computer obtains historical interaction data related to the resource provider computer and the user. The computer evaluates the historical interaction data using a plurality of rules. The computer determines an outcome based whether or not the historical interaction data satisfies a threshold number of rules of the plurality of rules. The computer provides the outcome to the authorizing entity computer.