# US 12,217,264 B2 · Systems and methods for payment transactions, alerts, dispute settlement, and settlement payments, using multiple blockchains

> Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt

- Number: US 12,217,264 B2
- Document ID: US12217264B2
- Status: Granted
- Kind: B2
- Application number: 17/936,057
- Filed: 2022-09-28
- Published: 2023-03-30
- Granted: 2025-02-04
- Earliest claimed: 2017-11-30
- Assignees: Worldpay, LLC
- Applicants: Worldpay, LLC
- Inventors: Ramesh Vijayaraghavan
- Web page: https://patentgrep.com/patent/US12217264B2

## CPC

- G06Q 20/4016: {involving fraud or risk level assessment in transaction processing}
- H04L 67/10: in which an application is distributed across nodes in the network (software deployment G06F8/60; multiprogramming arrangements G06F9/46)
- G06Q 20/02: involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q 20/065: {using e-cash}
- G06Q 20/085: {involving remote charge determination or related payment systems}
- G06Q 20/3827: {Use of message hashing}
- G06Q 20/3829: {involving key management}
- G06Q 20/389: {Keeping log of transactions for guaranteeing non-repudiation of a transaction}
- G06Q 50/182: {Alternative dispute resolution}
- H04L 67/104: Peer-to-peer [P2P] networks
- G06Q 2220/00: Business processing using cryptography
- 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

Systems and methods are disclosed for payment transactions, alerts, dispute settlement, and settlement payments, using multiple blockchains. One method includes: entering, in a first blockchain, a transaction identifier indicating the initiation of and identification of a transaction; receiving an identifier of a currency or cryptocurrency account for participants of the payment transaction; performing one or more iterations of: identifying a new transaction event in the series of transaction events stored in the first blockchain; presenting the new transaction event to participants of the transaction, wherein the presentation enables a participant to indicate a dispute of an attribute of the transaction; relaying one or more attributes of the transaction to a second blockchain for processing the transaction; and receiving, from the second blockchain, an indication of a transfer of funds between the two or more participants, using the identifiers of the currency or cryptocurrency accounts of the two or more participants.

## Claims

### Claim 1

A computer-implemented method for a blockchain-based dispute settlement, 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.

### Claim 2 (depends on 1)

The computer-implemented method of claim 1, further comprising:
storing, in the data structure, the speech-based input and/or the text-based input as a new transaction event in the series of transaction events of the transaction; and
presenting the speech-based input and/or the text-based input to the one or more other participants of the transaction on the user interface.

### Claim 3 (depends on 1)

The computer-implemented method of claim 1, further comprising:
receiving an input of a selection of the one or more attributes of the transaction to analyze other transactions that have, as common, the selected one or more attributes;
searching the shared ledger and compiling a list of other transactions that have, as common, the selected one or more attributes;
receiving data of other attributes for each transaction of the list of other transactions; and
generating and displaying, on the user interface, an analytics report of the other transactions having, as common, the selected one or more attributes.

### Claim 4 (depends on 1)

The computer-implemented method of claim 1, wherein the blockchain includes a database, and wherein tabular schemes are utilized to encode core data types on top of the database.

### Claim 5 (depends on 1)

The computer-implemented method of claim 1, wherein the blockchain interface server periodically or continually monitors the blockchain for latest stored data and retrieves the latest stored data for transaction events and/or shared ledgers, and wherein the retrieved latest stored data is accessible to one or more participants of the transaction.

### Claim 6 (depends on 1)

The computer-implemented method of claim 1, further comprising :
storing, by the blockchain interface server, fraud information for current transactions and/or prior transactions associated with the one or more participants of the transaction; and
identifying fraudulent transactions by analyzing the one or more attributes of the transaction and checking for record of fraud.

### Claim 7 (depends on 1)

The computer-implemented method of claim 1, wherein the one or more attributes include an identifier for the one or more participants of the transaction, amount of resources to be applied to the transaction, an itemization and description of goods and/or services transacted, geographical and/or temporal information of the transaction, or a combination thereof.

### Claim 8

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.

### Claim 9 (depends on 8)

The system of claim 8, further comprising:
storing, in the data structure, the speech-based input and/or the text-based input as a new transaction event in the series of transaction events of the transaction; and
presenting the speech-based input and/or the text-based input to the one or more other participants of the transaction on the user interface.

### Claim 10 (depends on 8)

The system of claim 8, further comprising:
receiving an input of a selection of the one or more attributes of the transaction to analyze other transactions that have, as common, the selected one or more attributes;
searching the shared ledger and compiling a list of other transactions that have, as common, the selected one or more attributes;
receiving data of other attributes for each transaction of the list of other transactions; and
generating and displaying, on the user interface, an analytics report of the other transactions having, as common, the selected one or more attributes.

### Claim 11 (depends on 8)

The system of claim 8, wherein the blockchain includes a database, and wherein tabular schemes are utilized to encode core data types on top of the database.

### Claim 12

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.