US 12,073,410 B2
Generating a multi-transaction dispute package
Catherine Paulson, San Francisco, CA (US); Clem Akomea-Agyin, Oakland, CA (US); Daniel Klein, Corte Madera, CA (US); Deivide Oliveira, Coquitlam (CA); Jacek Faliszewski, Cracow (PL); Kuan-Wen Lo, Freemont, CA (US); Marcus Vinson, Austin, TX (US); and Siddhi Soman, San Francisco, CA (US)
Assigned to Chime Financial, Inc., San Francisco, CA (US)
Filed by Chime Financial, Inc., San Francisco, CA (US)
Filed on Feb. 15, 2022, as Appl. No. 17/651,197.
Prior Publication US 2023/0259948 A1, Aug. 17, 2023
Int. Cl. G06Q 20/40 (2012.01); G06N 20/00 (2019.01)
CPC G06Q 20/407 (2013.01) [G06N 20/00 (2019.01); G06Q 20/4016 (2013.01); G06Q 20/405 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A computer-implemented method comprising:
receiving, from a client device, a dispute request comprising information associated with an initial disputed transaction within a user account corresponding to the client device;
determining a dispute classification for the initial disputed transaction by analyzing, utilizing a combination of machine learning models and heuristic models, metadata of the initial disputed transaction, the dispute classification corresponding to a dispute classification category, the dispute classification category comprising one of: an unauthorized transaction, a device malfunction, a non-receipt of goods, or a non-matching description of goods received;
identifying one or more potential transactions within the user account to generate a multi-transaction dispute package comprising the initial disputed transaction and the one or more potential transactions by:
selecting, based on the dispute classification category, a machine learning model from a plurality of machine learning models;
encoding the dispute classification; and
utilizing the selected machine learning model to process the encoding of the dispute classification and output the one or more potential transactions;
providing, for display on the client device, the one or more potential transactions; and
based on receiving, from the client device, an indication of a selection of at least one additional disputed transaction from the one or more potential transactions, generating the multi-transaction dispute package comprising the initial disputed transaction and the at least one additional disputed transaction.