Patent ID: 11861619
Assignee: WORLDPAY, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 0:
1. A computer-implemented method for dispute settlement using multiple blockchains, the method comprising:
receiving, by a user interface, a user input for a transaction, wherein the user input include speech-based input, text-based input, or a combination thereof;
translating, by a translator application program interface (API), the user input into a system command, wherein the translator API is an artificial intelligence (AI) based application that detects user information and predicts requirements of the user;
generating and displaying, by a blockchain interface server on the user interface, a graphical interface comprising analytics data based on the translated system command;
encrypting and entering, by the blockchain interface server, in a data entry of a first blockchain, a transaction identifier indicating an initiation of and identification of the transaction, wherein the transaction includes a series of transaction events;
monitoring, by the blockchain interface server, a status of the transaction based on a decoded transaction identifier;
receiving, by the blockchain interface server, the status and an identifier of an account for each of two or more participants of the transaction;
executing, by the blockchain interface server, one or more iterations of:
detecting an indication of a dispute over one or more attributes of the transaction using a computerized transaction protocol;
identifying a new transaction event in the series of transaction events stored in the first blockchain, using the transaction identifier, wherein the new transaction event has not been identified in a previous iteration;
presenting the new transaction event to the two or more participants of the transaction on the user interface of the two or more participants;
searching a second blockchain for one or more other past transactions that include the one or more disputed attributes;
generating, on the user interface, an analytics report of the one or more other past transactions having the one or more disputed attributes, wherein the analytics report include the analytics data that indicate usage of the one or more disputed attributes in the one or more other past transactions;
relaying, by the blockchain interface server, the analytics report to a third blockchain for further processing the transaction and generating a blockchain dispute resolution using the computerized transaction protocol and the analytics report;

receiving a proposed change to the one or more disputed attributes by one of the two or more participants of the transaction;
determining the two or more participants rejects the proposed change and executing a dispute settlement process to revise the one or more disputed attributes by:
generating a data structure in a shared ledger of the first blockchain to form an electronic contract governing the transaction;
inputting the one or more disputed attributes and the proposed change into the data structure; and
executing the computerized transaction protocol to resolve the one or more disputed attributes based on predetermined rules for determining a veracity of a disputed attribute of the transaction; and

receiving, by the blockchain interface server, from the third blockchain, an indication of acceptance of a result of the blockchain dispute resolution by the two or more participants and settling the one or more disputed attributes of the transaction.