# US 12,216,993 B2 · Systems and methods for hyperledger-based payment transactions, alerts, and dispute settlement, using smart contracts > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 12,216,993 B2 - Document ID: US12216993B2 - Status: Granted - Kind: B2 - Application number: 17/936,441 - Filed: 2022-09-29 - Published: 2023-02-02 - Granted: 2025-02-04 - Earliest claimed: 2017-11-30 - Assignees: Worldpay, LLC - Applicants: Worldpay, LLC - Inventors: Ramesh Vijayaraghavan - Web page: https://patentgrep.com/patent/US12216993B2 ## CPC - G06F 40/197: Version control (for software G06F8/71) - G06Q 10/101: Collaborative creation, e.g. joint development of products or services - G06F 21/62: Protecting access to data via a platform, e.g. using keys or access control rules - G06F 40/194: Calculation of difference between files - G06F 40/205: Parsing - G06F 40/279: Recognition of textual entities - G06Q 20/10: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems - G06Q 20/382: {insuring higher security of transaction} - G06Q 20/405: {Establishing or using transaction specific rules} - G06Q 20/407: {Cancellation of a transaction} - G06Q 30/01: Customer relationship services - G06Q 30/06: Buying, selling or leasing transactions - G06Q 50/182: {Alternative dispute resolution} - H04L 9/0637: {Modes of operation, e.g. cipher block chaining [CBC], electronic codebook [ECB] or Galois/counter mode [GCM]} - H04L 9/3247: {involving digital signatures} - H04L 9/50: {using hash chains, e.g. blockchains or hash trees} - H04L 67/104: Peer-to-peer [P2P] networks - H04L 2209/56: Financial cryptography, e.g. electronic payment or e-cash - G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N) - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR - H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M) ## Abstract Decentralized computer systems and methods are disclosed for hyperledger-based payment transactions, alerts, and dispute settlement, using smart contracts. One method includes: receiving transaction information comprising transaction data of transaction attributes for a transaction for a good or service originating at a merchant; storing the transaction data of the transaction attributes for the transaction, in a smart contract generated or updated by a smart contract application; deploying the Smart contract into one or more blockchain networks, wherein at least one of the one or more blockchain networks; performing one or more iterations of enabling, using an inter ledger protocol, to transfer at least some of the transaction data of the transaction attributes of the transaction to another of the one or more blockchain networks, wherein each of the one or more blockchain networks serves one or more business functions of the transaction. ## Claims ### Claim 1 A computer-implemented method of hyperledger-based payment transactions, alerts, and dispute settlement, using smart contracts, the method comprising: receiving dispute information associated with at least one attribute associated with an electronic transaction involving goods or a service, wherein the dispute information is received as a speech-based input and/or a text-based input; translating, by a translator application program interface (API), the speech-based input and/or the text-based input into a system command, wherein the translator API is an artificial intelligence (A) based application that detects user information and predicts requirements of one or more users; encrypting the translated dispute information; generating a blockchain entry locked with a crypto private key in a shared ledger, wherein the blockchain entry comprises encrypted dispute information, a timestamp, and a link to a previous blockchain entry; conducting, on ledgers associated with the one or more blockchain networks, a search for transaction amounts in other transactions involving the goods or the service transacted for in the electronic transaction; receiving, subsequent to the conducting, the transaction amounts in the other transactions involving the goods or the service transacted for in the electronic transaction; generating a user interface including blockchain analytics including an identifier of the electronic transaction, an identifier of a block in which transaction information associated with the electronic transaction is stored, a summary of the electronic transaction, and the transaction amounts in the other transactions involving the goods or the service transacted for in the electronic transaction; and transmitting the user interface to a computing system for display via the computing system. ### Claim 2 (depends on 1) The computer-implemented method of claim 1, wherein the at least one attribute corresponds to one or more of: a merchant and/or acquirer, an issuer and/or consumer, an identification of the goods and/or the service, a transaction amount for the goods and/or the service, and a geographical location associated with a transaction for the goods and/or the service. ### Claim 3 (depends on 1) The computer-implemented method of claim 1, wherein the dispute information comprises an identification of one or more of: the least one attribute, one or more disputants associated with the electronic transaction, a proposed modification to the at least one attribute, and a geographical location of a dispute. ### Claim 4 (depends on 1) The computer-implemented method of claim 1, wherein the conducting the search comprises examining distributed ledgers of other blockchain networks in addition to the one or more blockchain networks. ### Claim 5 (depends on 1) The computer-implemented method of claim 1, further comprising: generating, upon analysis of the transaction information associated with each of the one or more other transactions using the computing system, a fraud determination report for the at least one attribute, wherein the fraud determination report comprises one or more indications of trends associated with the at least one attribute across the one or more other transactions. ### Claim 6 (depends on 5) The computer-implemented method of claim 5, further comprising; halting a transaction based on a determination of fraud associated with the at least one attribute in the fraud determination report. ### Claim 7 (depends on 5) The computer-implemented method of claim 5, further comprising: presenting the fraud determination report to a user via an interactive user interface; leveraging the AI based application associated with the interactive user interface to identify information associated with the user; predicting, based on the leveraging, one or more aspects of the fraud determination report of interest to the user; and dynamically directing, based on the predicting the user to the one or more aspects. ### Claim 8 A system for hyperledger-based payment transactions, alerts, and dispute settlement, using smart contracts, the system comprising: a data storage device storing instructions for the hyperledger-based payment transactions, alerts, and dispute settlement, using the smart contracts; a user interface for each of one or more participants of the transaction; and one or more processors configured to execute the instructions to perform a method including: receiving dispute information associated with at least one attribute associated with an electronic transaction involving goods or a service, wherein the dispute information is received as a speech-based input and/or a text-based input; translating, by a translator application program interface (API), the speech-based input and/or the text-based input into a system command, wherein the translator API is an artificial intelligence (A) based application that detects user information and predicts requirements of one or more users; encrypting the translated dispute information; generating a blockchain entry locked with a crypto private key in a shared ledger, wherein the blockchain entry comprises encrypted dispute information, a timestamp, and a link to a previous blockchain entry; conducting, on ledgers associated with the one or more blockchain networks, a search for transaction amounts in other transactions involving the goods or the service transacted for in the electronic transaction; receiving, subsequent to the conducting, the transaction amounts in the other transactions involving the goods or the service transacted for in the electronic transaction; generating a user interface including blockchain analytics including an identifier of the electronic transaction, an identifier of a block in which transaction information associated with the electronic transaction is stored, a summary of the electronic transaction, and the transaction amounts in the other transactions involving the goods or the service transacted for in the electronic transaction; and transmitting the user interface to a computing system for display via the computing system. ### Claim 9 (depends on 8) The system of claim 8, wherein the at least one attribute corresponds to one or more of: a merchant and/or acquirer, an issuer and/or consumer, an identification of the goods and/or the service, a transaction amount for the goods and/or the service, and a geographical location associated with a transaction for the goods and/or the service. ### Claim 10 (depends on 8) The system of claim 8, wherein the dispute information comprises an identification of one or more of: the least one attribute, one or more disputants associated with the electronic transaction, a proposed modification to the at least one attribute, and a geographical location of a dispute. ### Claim 11 (depends on 8) The system of claim 8, wherein the conducting the search comprises examining distributed ledgers of other blockchain networks in addition to the one or more blockchain networks. ### Claim 12 (depends on 8) The system of claim 8, further comprising: generating, upon analysis of the transaction information associated with each of the one or more other transactions using the computing system, a fraud determination report for the at least one attribute, wherein the fraud determination report comprises one or more indications of trends associated with the at least one attribute across the one or more other transactions. ### Claim 13 (depends on 12) The system of claim 12, further comprising: halting a transaction based on a determination of fraud associated with the at least one attribute in the fraud determination report. ### Claim 14 (depends on 12) The system of claim 12, further comprising: presenting the fraud determination report to a user via an interactive user interface; leveraging the AI based application associated with the interactive user interface to identify information associated with the user; predicting, based on the leveraging, one or more aspects of the fraud determination report of interest to the user; and dynamically directing, based on the predicting the user to the one or more aspects. ### Claim 15 A non-transitory machine readable medium storing instructions that, when executed by a server, causes the server to perform a method for hyperledger-based payment transactions, alerts, and dispute settlement, using smart contracts the method including: receiving dispute information associated with at least one attribute associated with an electronic transaction involving goods or a service, wherein the dispute information is received as a speech-based input and/or a text-based input; translating, by a translator application program interface (API), the speech-based input and/or the text-based input into a system command, wherein the translator API is an artificial intelligence (A) based application that detects user information and predicts requirements of one or more users; encrypting the translated dispute information; generating a blockchain entry locked with a crypto private key in a shared ledger, wherein the blockchain entry comprises encrypted dispute information, a timestamp, and a link to a previous blockchain entry; conducting, on ledgers associated with the one or more blockchain networks, a search for transaction amounts in other transactions involving the goods or the service transacted for in the electronic transaction; receiving, subsequent to the conducting, the transaction amounts in the other transactions involving the goods or the service transacted for in the electronic transaction; generating a user interface including blockchain analytics including an identifier of the electronic transaction, an identifier of a block in which transaction information associated with the electronic transaction is stored, a summary of the electronic transaction, and the transaction amounts in the other transactions involving the goods or the service transacted for in the electronic transaction; and transmitting the user interface to a computing system for display via the computing system. ### Claim 16 (depends on 15) The non-transitory machine readable medium of claim 15, wherein the at least one attribute corresponds to one or more of: a merchant and/or acquirer, an issuer and/or consumer, an identification of the goods and/or the service, a transaction amount for the goods and/or the service, and a geographical location associated with a transaction for the goods and/or the service. ### Claim 17 (depends on 15) The non-transitory machine readable medium of claim 15, wherein the dispute information comprises an identification of one or more of: the least one attribute, one or more disputants associated with the electronic transaction, a proposed modification to the at least one attribute, and a geographical location of a dispute. ### Claim 18 (depends on 15) The non-transitory machine readable medium of claim 15, further comprising: generating, upon analysis of the transaction information associated with each of the one or more other transactions using the computing system, a fraud determination report for the at least one attribute, wherein the fraud determination report comprises one or more indications of trends associated with the at least one attribute across the one or more other transactions. ### Claim 19 (depends on 18) The non-transitory machine readable medium of claim 18, further comprising: presenting the fraud determination report to a user via an interactive user interface; leveraging the AI based application associated with the interactive user interface to identify information associated with the user; predicting, based on the leveraging, one or more aspects of the fraud determination report of interest to the user; and dynamically directing, based on the predicting the user to the one or more aspects.