Marie King

US Patent:

7657441, Feb 2, 2010

Filed:

Jul 9, 2007

Appl. No.:

11/774802

Inventors:

David Richey - Hayward CA, US
Marie King - San Carlos CA, US
Lisa Bernhard - Foster City CA, US
David Van Horn - Danville CA, US

Assignee:

Visa U.S.A. Inc. - San Francisco CA

International Classification:

G06F 17/60

US Classification:

705 1, 705 30

Abstract:

A system for facilitating payment transaction disputes is provided. According to one aspect of the system, a user, such as an issuer, is allowed to use the system to resolve a disputed transaction. Based on information provided by a cardholder, the issuer is able to use the system to retrieve transactional information relating to the disputed transaction reported by the customer for review. When the issuer uses the system to retrieve information relating to the disputed transaction, a case folder is created. The case folder is a repository for storing all the relevant information and documentation relating to the disputed transaction. Using the information retrieved by the system, the issuer then determines whether to initiate a dispute. Alternatively, the system can also be used by an acquirer to respond to a dispute, usually on behalf of one of its merchant. If a dispute is responded to, a questionnaire is then created by the system.

US Patent:

20030233292, Dec 18, 2003

Filed:

Jun 13, 2002

Appl. No.:

10/172762

Inventors:

David Richey - Hayward CA, US
Marie King - San Carlos CA, US
Lisa Bernhard - Foster City CA, US
David Horn - Danville CA, US

Assignee:

Visa U.S.A., Inc. - San Francisco CA

International Classification:

G06F017/60

US Classification:

705/028000

Abstract:

A system for facilitating payment transaction disputes is provided. According to one aspect of the system, a user, such as an issuer, is allowed to use the system to resolve a disputed transaction. Based on information provided by a cardholder, the issuer is able to use the system to retrieve transactional information relating to the disputed transaction reported by the customer for review. When the issuer uses the system to retrieve information relating to the disputed transaction, a case folder is created. The case folder is a repository for storing all the relevant information and documentation relating to the disputed transaction. Using the information retrieved by the system, the issuer then determines whether to initiate a dispute. Alternatively, the system can also be used by an acquirer to respond to a dispute, usually on behalf of one of its merchant. If a dispute is responded to, a questionnaire is then created by the system. Alternatively, the issuer may decline to initiate a dispute and either seek additional information from the cardholder or deny the cardholder's inquiry. The case folder and the questionnaire are created for a specific disputed transaction. The questionnaire is designed to capture information from the cardholder and/or the issuer relating to the disputed transaction. The questionnaire may be pre-populated with previously retrieved transactional information which is stored in the case folder. Relevant documents in support of the disputed transaction may also be attached as part of the questionnaire. Various parties to the dispute may then provide relevant information (including supporting documentation) to the system. The relevant information provided by the parties is maintained in the case folder. The system then keeps track of the relevant timeframes for the case folder to ensure that each party to the dispute is given the correct period of time to respond during the processing of a dispute. Prior to filing the dispute for arbitration or compliance, the system permits the parties to resolve the dispute amongst themselves without the help of an arbiter through pre-arbitration and pre-compliance. If the parties to the dispute are unable to resolve the dispute on their own, the system also permits the parties to resolve the dispute via arbitration or compliance with the help of an arbiter. The system provides the arbiter with access to the case folder to allow the arbiter to render an informed decision on the dispute.

US Patent:

20090132404, May 21, 2009

Filed:

Nov 21, 2007

Appl. No.:

11/944091

Inventors:

Marie King - San Carlos CA, US
Tim Murphy - San Mateo CA, US
David A. Van Horn - Danville CA, US
Curtis Yee - Redwood City CA, US

International Classification:

G06Q 40/00

US Classification:

705 35

Abstract:

After receiving a notice as to the occurrence of an unauthorized access to financial account information for one or more accounts sufficient for completing one or more financial transactions using the financial account information, a financial service provider assesses the liability for the particular compromise event by analyzing the industry-wide distribution of fraud that would have occurred had the compromise event not occurred, and calculates an incremental amount of fraud that accrued as a result of the compromise event. The incremental fraud is then apportioned to the responsible parties.

US Patent:

20100169194, Jul 1, 2010

Filed:

Dec 9, 2009

Appl. No.:

12/634257

Inventors:

David Richey - Hayward CA, US
Marie King - San Carlos CA, US
Lisa Bernhard - Foster City CA, US
David Van Horn - Danville CA, US

International Classification:

G06Q 10/00
G06Q 99/00
G06Q 20/00

US Classification:

705 30, 705309

Abstract:

A system for facilitating payment transaction disputes is provided. According to one aspect of the system, a user, such as an issuer, is allowed to use the system to resolve a disputed transaction. Based on information provided by a cardholder, the issuer is able to use the system to retrieve transactional information relating to the disputed transaction reported by the customer for review. When the issuer uses the system to retrieve information relating to the disputed transaction, a case folder is created. The case folder is a repository for storing all the relevant information and documentation relating to the disputed transaction. Using the information retrieved by the system, the issuer then determines whether to initiate a dispute. Alternatively, the system can also be used by an acquirer to respond to a dispute, usually on behalf of one of its merchant. If a dispute is responded to, a questionnaire is then created by the system. Alternatively, the issuer may decline to initiate a dispute and either seek additional information from the cardholder or deny the cardholder's inquiry. The case folder and the questionnaire are created for a specific disputed transaction. The questionnaire is designed to capture information from the cardholder and/or the issuer relating to the disputed transaction. The questionnaire may be pre-populated with previously retrieved transactional information which is stored in the case folder. Relevant documents in support of the disputed transaction may also be attached as part of the questionnaire. Various parties to the dispute may then provide relevant information (including supporting documentation) to the system. The relevant information provided by the parties is maintained in the case folder. The system then keeps track of the relevant timeframes for the case folder to ensure that each party to the dispute is given the correct period of time to respond during the processing of a dispute. Prior to filing the dispute for arbitration or compliance, the system permits the parties to resolve the dispute amongst themselves without the help of an arbiter through pre-arbitration and pre-compliance. If the parties to the dispute are unable to resolve the dispute on their own, the system also permits the parties to resolve the dispute via arbitration or compliance with the help of an arbiter. The system provides the arbiter with access to the case folder to allow the arbiter to render an informed decision on the dispute.