US 12,182,841 B2 · Multi-tenant dispute services

Abstract

A method for processing disputes in a multi-tenant architecture system includes receiving, at a first service provider, a dispute request from a second service provider that manages entity identities of a plurality of customers. The dispute request indicates a disputed transaction between a customer of the plurality of customers and another entity. The method includes accessing an identity manager to determine a customer representation, the identity manager previously onboarded the plurality of customers as a plurality of customer representations. The identity manager is hosted by the first service provider that manages customer representations corresponding to entity identities of the customers. The dispute request is propagated with the customer representation to a dispute management engine that determines an outcome for the dispute, the determination based on characteristics of the disputed transaction and on characteristics of the customer. The method also includes propagating the determination to the second service provider.

Claims20

Dependent claims

A method for using unified identity services in a multi-tenant architecture system, the method comprising:

onboarding a new service provider onto a multi-tenant platform, the multi-tenant platform managing, at least using a hierarchical data structure, representations of service providers and respective representations of their entities, the new service provider managing a user identity of each of a plurality of users, the multi-tenant platform managing a first provider representation of a first service provider, the first service provider providing a transaction service to the plurality of users, the onboarding creating a new provider representation of the new service provider in the hierarchical data structure;
and
responsive to the onboarding of the new service provider, providing a dispute management service that enables determining an outcome of a dispute of one or more transactions, initiated via the transaction service, between a merchant entity managed by the first service provider and one or more users of the plurality of users managed by the new service provider, wherein the dispute management service is provided at least in part by assessing one or more characteristics of the one or more transactions or of the one or more users.

A system comprising:

a non-transitory memory storing instructions;
and
a processor configured to execute the instructions to cause the system to:
responsive to onboarding of a new service provider onto a multi-tenant platform, provide access to the new service provider, the multi-tenant platform managing, at least using a hierarchical data structure, representations of service providers and respective representations of their entities, the new service provider managing a user identity of a user, the multi-tenant platform managing a first provider representation of a first service provider, providing the access to the new service provider comprising providing transaction services to users of one or more tenants of the multi-tenant platform including users of the first service provider, the onboarding creating a new provider representation of the new service provider in the hierarchical data structure;
and
responsive to receiving a dispute resolution service request from the user, determine an outcome of a disputed transaction indicated by the dispute resolution service request, the disputed transaction initiated via the transaction service between a merchant entity managed by the first service provider and the user managed by the new service provider, wherein the outcome of the disputed transaction is determined based at least in part on one or more characteristics of the one or more transactions or a historical transaction record of the user.

3 more elements

A non-transitory machine-readable medium having instructions stored thereon, the instructions executable to cause performance of operations comprising:

responsive to onboarding of a new service provider onto a multi-tenant platform, providing access to the new service provider, the multi-tenant platform managing, at least using a hierarchical data structure, representations of service providers and respective representations of their entities, the new service provider managing a user identity of a customer, the multi-tenant platform managing a first provider representation of a first service provider, the providing the access to the new service provider comprising providing transaction services to users of one or more tenants of the multi-tenant platform including users of the first service provider, the onboarding creating a new provider representation of the new service provider in the hierarchical data structure;
and
responsive to receiving a dispute request from the customer, handling a disputed transaction indicated by the dispute request, the disputed transaction initiated via the transaction service between a merchant entity managed by the first service provider and the customer, wherein the handling comprises performing one or more actions based on an assessed risk level of the customer or an assessed risk level of one or more previous transaction records.

Dependencies are inferred from the claim text.

Multi-tenant dispute services

Life of this patent

Multi-tenant dispute services

Life of this patent

Abstract

Claims20