Elizabeth Ann Chaffin

US Patent:

20160034906, Feb 4, 2016

Filed:

Jul 30, 2015

Appl. No.:

14/814188

Inventors:

Richard Stopic - Singapore, SG
David Richey - Hayward CA, US
Elizabeth Chaffin - Foster City CA, US
Mark Woelfer - Aliso Viejo CA, US
Stacey Jess - Foster City CA, US

International Classification:

G06Q 30/00
G06Q 40/00

Abstract:

When an account holder contacts the issuer of the account to dispute a transaction conducted with a merchant using the account, the issuer may request additional transaction details, such as purchased item level details, from the merchant via the merchant integrated dispute resolution platform. A real-time purchase inquiry sent to the merchant may request purchase information or transaction information (e.g. purchased item details, order information, order history, shipping and delivery information, etc.) associated with the transaction. The merchant may send a real-time response to the merchant integrated dispute resolution platform which may forward all or a portion of the received information to the issuer in real-time. The entire communication between the issuer, the merchant integrated dispute resolution platform and the merchant may be a sessionless (or stateless) communication, i.e. all communication among the parties may occur in a single session which may last 10 seconds or less.