CHARGEBACK AUTOMATION SYSTEM AND METHOD
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United States of America Patent
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Issued Date -
Nov 7, 2013
app pub date -
Nov 1, 2012
filing date -
Nov 2, 2011
priority date (Note) -
Abandoned
status (Latency Note)
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Abstract
E-commerce customers may dispute a charge for various reasons. When they dispute a charge with the payment processor, the payment processor reverses the charge and notifies the payment gateway that transacted the payment. An automated chargeback dispute program is scheduled to run each day to collect data for disputing the chargeback notifications. Data is extracted from the payment processing gateway and e-commerce platform that performed the original transaction. The data is formatted into a response, such as a letter, file, or API message and electronically submitted to the issuing bank.
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