System and Method for Providing Dispute Resolution for Electronic Payment Transactions

Abstract

Described herein is partner-based method and device for resolving inquiries or disputes concerning a transaction between the customer and a merchant that is affiliated with a partner platform. For example, the method may involve receiving, at the partner platform, an inquiry/dispute event notification. The method may involve obtaining data points about the transaction and locating the transaction based on the data points. The method may involve refunding the transaction or canceling future or recurring charges associated with the transaction.

1 . A method operable by a network entity, comprising:
 receiving an inquiry/dispute event notification regarding an electronic transaction between a user and an issuer;   obtaining data points associated with the electronic transaction from the issuer system; and   performing an action with respect to the inquiry/dispute event notification for the electronic transaction based in part on the data points and predetermined eligibility criteria being met.   
     
     
         2 . The method of  claim 1 , wherein performing the action further comprises canceling future cardholder charges, in response to the electronic transaction being part of a recurring charge. 
     
     
         3 . The method of  claim 1 , wherein the notification comprises at least one of a case ID, a merchant ID and a notification ID. 
     
     
         4 . The method of  claim 1 , further comprising acknowledging the notification, in response to receiving the notification. 
     
     
         5 . The method of  claim 4 , wherein acknowledging comprises updating a case status for the electronic transaction. 
     
     
         6 . The method of  claim 5 , further comprising updating the case status to indicate resolution of the electronic transaction. 
     
     
         7 . The method of  claim 1 , wherein determining comprises determining whether to refund the electronic transaction. 
     
     
         8 . The method of  claim 7 , wherein determining whether to refund the electronic transaction comprises determining whether the electronic transaction has already been refunded. 
     
     
         9 . The method of  claim 8 , further comprising refunding the electronic transaction, in response to determining that the electronic transaction should be refunded. 
     
     
         10 . The method of  claim 1 , wherein the electronic transaction comprises an online sale or an electronic payment. 
     
     
         11 . The method of  claim 1 , wherein the network entity comprises a merchant entity. 
     
     
         12 . The method of  claim 1 , wherein the network entity comprises a partner/aggregator entity that services multiple merchant entities. 
     
     
         13 . The method of  claim 1 , wherein the dispute comprises a request for at least one of a refund or cancellation of the electronic transaction. 
     
     
         14 . The method of  claim 1 , wherein, in response to the electronic transaction being part of a recurring charge, the dispute comprises a request for cancellation of future charges associated with the recurring charge. 
     
     
         15 . The method of  claim 1 , wherein the data points are included in the notification. 
     
     
         16 . An apparatus, comprising:
 a receiver for receiving an inquiry/dispute event notification regarding an electronic transaction;   a memory for storing data; and   at least one processor in operative communication with the receiver and the memory, the at least one processor configured to: obtain data points associated with the electronic transaction; and perform an action with respect to the inquiry/dispute event notification for the electronic transaction based in part on the data points and predetermined eligibility criteria being met.   
     
     
         17 . The apparatus of  claim 16 , wherein the at least one processor is configured to cancel future cardholder charges, in response to the electronic transaction being part of a recurring charge. 
     
     
         18 . The apparatus of  claim 16 , wherein the apparatus comprises a merchant device or a partner/aggregator device in operative communication with multiple merchant devices. 
     
     
         19 . The apparatus of  claim 18 , wherein the merchant device comprises a merchant server, and wherein the partner/aggregator device comprises a partner/aggregator server. 
     
     
         20 . An apparatus, comprising:
 means for receiving an inquiry/dispute event notification regarding the electronic transaction;   means for obtaining data points associated with the electronic transaction; and   means for performing an action with respect to the inquiry/dispute event notification for the electronic transaction based in part on the data points and predetermined eligibility criteria being met.   
     
     
         21 . The apparatus of  claim 20 , further comprising means for canceling future cardholder charges, in response to the electronic transaction being part of a recurring charge. 
     
     
         22 . A computer program product comprising, comprising:
 a non-transitory computer readable medium comprising code for causing a computer to:   receive an inquiry/dispute event notification regarding an electronic transaction;   obtain data points associated with the electronic transaction; and   perform an action with respect to the inquiry/dispute event notification for the electronic transaction based in part on the data points and predetermined eligibility criteria being met.