Systems and methods for payment transactions, alerts, dispute settlement, and settlement payments, using multiple blockchains

A system for a blockchain-based dispute settlement, comprising:

• one or more processors;
• and
• at least one non-transitory computer readable medium storing instructions which, when executed by the one or more processors, cause the one or more processors to perform operations comprising :
• receiving dispute information for one or more attributes of a transaction from at least one participant of the transaction, wherein the dispute information is received as a speech-based input and/or a text-based input;
• receiving a proposed change to the one or more attributes of the transaction by the at least one participant of the transaction based, at least in part, in the dispute information;
• presenting the dispute information and the proposed change to the one or more attributes of the transaction on a user interface of a user device associated with the at least one participant of the transaction;
• receiving, via one or more user interface associated with one or more other participants of the transaction, an acceptance or a rejection of the proposed change to the one or more attributes of the transaction, wherein the rejection of the proposed change to the one or more attributes of the transaction by the one or more other participants of the transaction initiates a dispute settlement process to determine one or more revised attributes of the transaction;
• presenting, on the user interface, the one or more revised attributes of the transaction to one or more participants of the transaction;
• generating a data structure in a shared ledger of a blockchain;
• saving, in the data structure, the one or more revised attributes of the transaction as a new transaction event in a series of transaction events of the transaction;
• 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 (AI) based application that detects participant information and predicts requirements of the one or more participants;
• encrypting the translated dispute information and entering the encrypted dispute information into the blockchain;
• processing, via a blockchain interface server, the encrypted dispute information to execute the dispute settlement process utilizing a computerized transaction protocol based on predetermined rules for determining a veracity of the disputed attributes of the transaction;
• and
• generating a presentation of a result of the dispute settlement process in at least one shared ledger of the blockchain.

A non-transitory computer readable medium for a blockchain-based dispute settlement, the non-transitory computer readable medium storing instructions which, when executed by one or more processors, cause the one or more processors to perform operations comprising :

• receiving dispute information for one or more attributes of a transaction from at least one participant of the transaction, wherein the dispute information is received as a speech-based input and/or a text-based input;
• receiving a proposed change to the one or more attributes of the transaction by the at least one participant of the transaction based, at least in part, in the dispute information;
• presenting the dispute information and the proposed change to the one or more attributes of the transaction on a user interface of a user device associated with the at least one participant of the transaction;
• receiving, via one or more user interface associated with one or more other participants of the transaction, an acceptance or a rejection of the proposed change to the one or more attributes of the transaction, wherein the rejection of the proposed change to the one or more attributes of the transaction by the one or more other participants of the transaction initiates a dispute settlement process to determine one or more revised attributes of the transaction;
• presenting, on the user interface, the one or more revised attributes of the transaction to one or more participants of the transaction;
• generating a data structure in a shared ledger of a blockchain;
• saving, in the data structure, the one or more revised attributes of the transaction as a new transaction event in a series of transaction events of the transaction;
• 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 (AI) based application that detects participant information and predicts requirements of the one or more participants;
• encrypting the dispute information and entering the encrypted dispute information into the blockchain;
• processing, via a blockchain interface server, the encrypted dispute information to execute the dispute settlement process utilizing a computerized transaction protocol based on predetermined rules for determining a veracity of the disputed attributes of the transaction;
• and
• generating a presentation of a result of the dispute settlement process in at least one shared ledger of the blockchain.