Patent ID: 11900339
Assignee: WORLDPAY, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 0:
1. A computer-implemented method of hyperledger-based payment transactions, alerts, and dispute settlement, using smart contracts, the method comprising:
receiving, by a user interface, a user input, the user input including speech;
translating, by the user interface, the user input into a command based on a translation application program interface (API);
receiving, based on the command, transaction information comprising transaction data of transaction attributes for a transaction for goods or a service originating at a merchant, wherein the transaction data includes entries for the transaction attributes of (1) an identifier of an issuer of a payment source account of a consumer for applying resources to the transaction, (2) an identifier of an acquirer of a payment account of the merchant for depositing the applied resources for the transaction, (3) an amount of resources to be applied to the transaction, and (4) an identification of the goods or the service transacted;
storing the transaction data of the transaction attributes for the transaction, in data structures for transaction attributes of the transaction in a smart contract generated or updated by a smart contract application;
deploying, based on a smart contract API, the smart contract into one or more blockchain networks, wherein at least one of the one or more blockchain networks has a ledger that is accessible to at least one participant of the transaction, the at least one participant comprising at least the user, the merchant, issuer of the payment source account of the user, and the acquirer of the payment account of the merchant;
receiving, in a new data structure of the smart contract, from the at least one participant, an indication of a dispute of one or more transaction data of the transaction attributes of the transaction;
updating the smart contract based on the indication of the dispute of the one or more transaction data of the transaction attributes of the transaction;
executing a dispute settlement process using the updated smart contract application;
receiving, from the at least one participant, an input of a selection of goods or a service transacted for in the transaction for an analysis;
searching, based at least in part on the selection and the dispute information, the one or more blockchain networks for transaction amounts in other transactions associated with other merchants, other consumers, other issuers, or other acquirers involving the goods or the service transacted for in the transaction to detect a fraudulent party; and
performing one or more iterations of enabling, using an inter ledger protocol, to transfer at least some of the transaction data of the transaction attributes of the transaction from the at least one of the one or more blockchain networks to another one of the one or more blockchain networks, wherein each of the one or more blockchain networks serves one or more business functions of the transaction, and the one or more business functions includes recording transaction events, settling the dispute as to the transaction data of a transaction attribute, and recording the transfer of the resources.