US 11,710,121 B2
Transaction resolution data platform
Wesley Perkins, Henrico, VA (US); Venkata Satya Sriram Kalyan Namuduri, Glen Allen, VA (US); David Ross, Richmond, VA (US); Andrew Coulson, Washington, DC (US); and Hunter Roberts, Henrico, VA (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Feb. 17, 2021, as Appl. No. 17/177,317.
Application 17/177,317 is a continuation of application No. 17/176,663, filed on Feb. 16, 2021, granted, now 11,443,312.
Prior Publication US 2022/0261795 A1, Aug. 18, 2022
Int. Cl. G06Q 40/00 (2023.01); G06Q 20/38 (2012.01); G06Q 20/40 (2012.01); G06Q 20/12 (2012.01)
CPC G06Q 20/389 (2013.01) [G06Q 20/12 (2013.01); G06Q 20/385 (2013.01); G06Q 20/40 (2013.01); G06Q 20/4014 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A computer-implemented method comprising:
receiving, by a computing device, via a first interface, and from a merchant device, transaction metadata comprising one or more data elements corresponding to one or more attributes of a financial transaction, wherein the transaction metadata is associated with a concurrent transmission of payment information, for the financial transaction, to a payment processing service;
testing, by the computing device, a first portion of the transaction metadata based on one or more criteria;
determining, by the computing device, whether to authorize the financial transaction based on the tested transaction metadata and based on authorization information, corresponding to the financial transaction, that indicates processing of the payment information by the payment processing service;
receiving, by the computing device, an indication of a dispute or fraud claim associated with the financial transaction from a second computing device;
in response to receiving the indication of the dispute or fraud claim associated with the financial transaction from the second computing device, testing, by the computing device, a second portion of the transaction metadata; and
sending, by the computing device and to the second computing device, the tested second portion of the transaction metadata.