# US 2021/0342907 A1 · Multi-Tenant Dispute Services > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2021/0342907 A1 - Document ID: US20210342907A1 - Status: Published application - Kind: A1 - Application number: 17/368,810 - Filed: 2021-07-06 - Published: 2021-11-04 - Earliest claimed: 2018-06-15 - Assignees: Paypal, Inc. - Applicants: PayPal, Inc. - Inventors: Prashant Jamkhedkar; Aravindan Ranganathan; Sandeep Kumar; Mavendra Sharma; Norihiro Aoki; Justin White; Jeffrey David Meyer - Web page: https://patentgrep.com/patent/US20210342907A1 ## CPC - G06Q 30/0619: {Neutral agent} - G06Q 20/02: involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] - G06Q 20/389: {Keeping log of transactions for guaranteeing non-repudiation of a transaction} - G06Q 20/4014: {Identity check for transactions} - G06Q 20/4016: {involving fraud or risk level assessment in transaction processing} - G06Q 30/016: After-sales - G06Q 50/18: Legal services - H04L 67/10: in which an application is distributed across nodes in the network (software deployment G06F8/60; multiprogramming arrangements G06F9/46) - H04L 67/51: Discovery or management thereof, e.g. service location protocol [SLP] or web services - H04L 67/60: Scheduling or organising the servicing of application requests, e.g. requests for application data transmissions using the analysis and optimisation of the required network resources (admission control or resource allocation H04L47/70) - H04L 69/24: Negotiation of communication capabilities - 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 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. ## Claims ### Claim 1 (canceled) ### Claim 2 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 user identity of a user, the multi-tenant platform managing a first provider representation of a first service provider, the first service provider configured to provide a transaction service to 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 validity service for determining validity of transactions, initiated via the transaction service, between a merchant entity managed by the first service provider and the user managed by the new service provider. ### Claim 3 (depends on 2) The method of claim 2, wherein the onboarding further comprises: creating a linked identity reference accessible by the new service provider representation; and providing access, via the linked identity reference in the hierarchical data structure, to services of the new service provider to the merchant entity managed by the first service provider. ### Claim 4 (depends on 2) The method of claim 2, further comprising: receiving, at the new service provider, a validity service request from the user, the validity service request indicating a disputed transaction between the user and the merchant; propagating the validity service request with a customer representation at the multi-tenant platform to a dispute management engine that determines an outcome for the validity service, the determination based on characteristics of the disputed transaction and on characteristics of the user; and propagating the determination to the first service provider. ### Claim 5 (depends on 4) The method of claim 4, further comprising: accessing an identity manager to determine the customer representation of the user, the identity manager hosted by the multi-tenant architecture system that manages customer representations corresponding to entity identities of a plurality of users, including the user, of the new service provider. ### Claim 6 (depends on 2) The method of claim 2, further comprising: accessing an activity manager to access at least a copy of a disputed transaction between the user and the merchant entity at the first service provider. ### Claim 7 (depends on 2) The method of claim 2, further comprising: determining validity of a disputed transaction based, at least in part, on accessing a risk service provided by the first service provider, the risk service providing risk determination services for at least the user via a user representation of the user at the hierarchical data structure. ### Claim 8 (depends on 2) The method of claim 2, wherein said onboarding the new service provider comprises determining dispute related policies and capabilities to be modeled by multi-tenant platform. ### Claim 9 (depends on 2) The method of claim 2, further comprising: providing a callback communication to the first service provider during a determination of validity of a transaction to indicate propagation of a validity service request from the user, the validity service request indicating a disputed transaction between the merchant entity and the user. ### Claim 10 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 user identity of a user, 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 validity service request from the user, determine validity of a transaction indicated by the validity service request, the 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. ### Claim 11 (depends on 10) The system of claim 10, wherein the onboarding comprises: creating a linked identity reference accessible by the new service provider representation; and providing access, via the linked identity reference in the hierarchical data structure, to services of the new service provider to the merchant entity managed by the first service provider. ### Claim 12 (depends on 10) The system of claim 10, wherein determining validity of the transaction comprises propagating the validity service request with a customer representation at the multi-tenant platform to a dispute management engine that determines the validity of the transaction, the determination based on characteristics of the transaction and on characteristics of the user, wherein the validity determination is propagated to the first service provider. ### Claim 13 (depends on 10) The system of claim 10, wherein executing the instructions further cause the system to, access an identity manager to determine a user representation of the user, the identity manager hosted by the multi-tenant platform and managing customer representations corresponding to entity identities of a plurality of users, including the user, of the new service provider. ### Claim 14 (depends on 10) The system of claim 10, wherein determining validity of the transaction is based, at least in part, on accessing a risk service provided by the first service provider, the risk service providing risk determination services for at least the user via a user representation of the user at the hierarchical data structure. ### Claim 15 (depends on 10) The system of claim 10, wherein executing the instructions further cause the system to, provide a callback communication to the first service provider during a determination of validity of a transaction to indicate propagation of a validity service request from the user, the validity service request indicating a disputed transaction between the merchant entity and the user. ### Claim 16 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 user identity of a user, 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 user, determine validity of a transaction indicated by the dispute request, the 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. ### Claim 17 (depends on 16) The non-transitory machine-readable medium of claim 16, wherein the onboarding comprises: creating a linked identity reference accessible by the new service provider representation; and providing access, via the linked identity reference in the hierarchical data structure, to services of the new service provider to the merchant entity managed by the first service provider. ### Claim 18 (depends on 16) The non-transitory machine-readable medium of claim 16, wherein the determining the validity of the transaction comprises propagating the dispute request with a user representation, of the user, at the multi-tenant platform to a dispute management engine that determines validity of the transaction based on characteristics of the transaction and on characteristics of the user, wherein the validity determination is propagated to the first service provider. ### Claim 19 (depends on 16) The non-transitory machine-readable medium of claim 16, wherein the operations further comprise: accessing an identity manager to determine a user representation of the user, the identity manager hosted by the multi-tenant platform to manage customer representations corresponding to entity identities of a plurality of users, including the user, of the new service provider. ### Claim 20 (depends on 16) The non-transitory machine-readable medium of claim 16, wherein determining validity of the transaction is based, at least in part, on accessing a risk service provided by the first service provider, the risk service providing risk determination services for at least the user via a user representation of the user at the hierarchical data structure. ### Claim 21 (depends on 16) The non-transitory machine-readable medium of claim 16, wherein the operations further comprise: providing a callback communication to the first service provider during a determination of validity of a transaction to indicate propagation of a validity service request from the user, the validity service request indicating a disputed transaction between the merchant entity and the user.