USPTO Patent Grant for Transaction Dispute Processing Systems

ChangeBridge: Patent Grants - Business Methods (G06Q)

Published March 24th, 2026

Detected March 25th, 2026

Summary

The USPTO has granted a patent (US12586076B2) to Fidelity Information Services, LLC for systems and methods related to processing transaction disputes and transactions associated with compromised accounts. The patent covers computerized methods for initiating dispute investigations, issuing provisional credit, displaying expected transactions, and processing payments.

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What changed

The United States Patent and Trademark Office (USPTO) has issued patent US12586076B2 to Fidelity Information Services, LLC. This patent covers novel systems and methods for managing transaction disputes and processing transactions for compromised accounts. Key features include automated dispute investigation initiation, provisional credit issuance, displaying expected transactions to users, and processing authorized transactions.

While this is a patent grant and not a regulatory rule, it signifies innovation in financial transaction processing. Companies operating in this space, particularly those handling dispute resolution or compromised account management, should be aware of this patented technology. The patent's claims, particularly those related to automated dispute investigation and provisional credit, may influence future product development and competitive strategies in the financial services sector.

Source document (simplified)

← USPTO Patent Grants

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.