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Systems and methods for processing transaction disputes and processing transactions associated with compromised accounts

Grant US12586076B2 Kind: B2 Mar 24, 2026

Assignee

FIDELITY INFORMATION SERVICES, LLC

Inventors

Luis Martinez-Guarneros, Marc-Edwin Sebastian Rigaud, Brian R. Bezanson, William A. Rickard, Timothy Bryan Innes, Tim Allen Priebe, Eric Vincent Little

Abstract

The present disclosure provides systems and methods for computerized methods and systems for processing transaction disputes and processing transactions associated with compromised accounts. According to one exemplary method, a server receives, from a user device, an instruction for disputing a transaction associated with a user account. The server can initiate, based on a record of the transaction, a dispute investigation, and issue provisional credit to the user account for the transaction. Based on a transaction history associated with the user account, the server can determine a plurality of expected transactions associated with the user account and cause the determined expected transactions to be displayed on the user device. After receiving a transaction authorization for at least one of the plurality of expected transactions, the server can process payments for the at least one of the plurality of expected transactions, and generate a notification indicating a status of the dispute investigation.

CPC Classifications

G06Q 20/407 G06Q 40/02 G06Q 20/389 G06Q 20/4016 G06N 20/00

Filing Date

2024-05-30

Application No.

18678038

Claims

18