CENTRALIZED DISPUTE RESOLUTION SYSTEM FOR COMMERCIAL TRANSACTIONS
First Claim
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1. A method of resolving a dispute arising from a commercial transaction, comprising:
- receiving a request for dispute resolution services from a first party or a second party to a transaction, wherein as part of the transaction, the first party utilized a first payment processor network and the second party utilized a second payment processor network, and further, wherein the first payment processor network is different from the second payment processor network;
collecting data regarding the transaction;
storing the collected data in a data storage element, wherein the data storage element is accessible by the first party and the second party;
applying a set of dispute resolution procedures to arrive at a resolution to the dispute;
communicating the resolution to the dispute to the first party and second party; and
if needed, enforcing terms related to the resolution.
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Abstract
A centralized dispute resolution system for use in commercial credit or debit card transactions. The inventive system utilizes a common data storage, interfaces, processes, procedures, rules, and other elements of a dispute resolution system that are made available to cardholders, merchants, card issuers, payment processors, and other parties that may be involved in a dispute or in a process intended to resolve a dispute. The system may be implemented using a client-server architecture with communication between clients and one or more server elements provided by a communications network.
128 Citations
26 Claims
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1. A method of resolving a dispute arising from a commercial transaction, comprising:
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receiving a request for dispute resolution services from a first party or a second party to a transaction, wherein as part of the transaction, the first party utilized a first payment processor network and the second party utilized a second payment processor network, and further, wherein the first payment processor network is different from the second payment processor network; collecting data regarding the transaction; storing the collected data in a data storage element, wherein the data storage element is accessible by the first party and the second party; applying a set of dispute resolution procedures to arrive at a resolution to the dispute; communicating the resolution to the dispute to the first party and second party; and if needed, enforcing terms related to the resolution. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. An apparatus for use in resolving a dispute arising from a commercial transaction, comprising:
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a processor; a data storage element configured to store a set of instructions executable by the processor, wherein when executed, the instructions implement a process to receive a request for dispute resolution services from a first party or a second party to a transaction, wherein as part of the transaction, the first party utilized a first payment processor network and the second party utilized a second payment processor network, and further, wherein the first payment processor network is different from the second payment processor network; collect data regarding the transaction; store the collected data in a data storage element, wherein the data storage element is accessible by the first party and the second party; apply a set of dispute resolution procedures to arrive at a resolution to the dispute; communicate the resolution to the dispute to the first party and second party; and if needed, enforce terms related to the resolution to the dispute. - View Dependent Claims (11, 12, 13, 14, 15)
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16. A dispute resolution system for resolving a dispute arising from a commercial transaction, comprising:
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a data storage element accessible by a first party to the transaction and by a second party to the transaction, wherein as part of the transaction, the first party utilized a first payment processor network and the second party utilized a second payment processor network, and further, wherein the first payment processor network is different from the second payment processor network; and a user interface accessible by both the first party and the second party, the user interface configured to permit the first party or second party to perform one or more of the following operations request that dispute resolution services be applied to the transaction; provide data related to the transaction for storage in the data storage element; and receive a notification of an event in the workflow of the dispute resolution process. - View Dependent Claims (17, 18, 19, 20)
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21. A method comprising:
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receiving information regarding a first dispute, wherein the first dispute originates from a transaction involving a first payment processing organization; receiving information regarding a second dispute, wherein the second dispute originates from a transaction involving a second payment processing organization; and managing resolution of the first and second disputes using a common dispute resolution system. - View Dependent Claims (22, 23, 24, 25, 26)
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Specification