Transaction Resolution Data Platform

Abstract

Methods, systems, and apparatuses are described herein for the direct sharing and use of transaction data separately from transaction authorization processes. Transaction metadata associated with a transaction may be received and validated. Authorization information corresponding to the transaction may be received. The degree to which the transaction metadata is tested may be based on a predicted time of receipt of the authorization information. The transaction metadata and authorization information may be correlated. A computing device may determine whether to authorize the financial transaction based on the authorization information and the correlated transaction metadata. All or portions of the transaction metadata may be provided to one or more users after the transaction has been authorized or denied.

What is claimed is: 
     
         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;   determining, by the computing device, whether to authorize the financial transaction based on a first portion of the 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; and   in response to receiving the indication of the dispute or fraud claim associated with the financial transaction from the second computing device, sending, by the computing device and to the second computing device, a second portion of the transaction metadata that is different from the first portion of the transaction metadata.   
     
     
         2 . The method of  claim 1 , further comprising:
 determining the second portion of the transaction metadata based on the indication of the dispute or fraud claim associated with the financial transaction.   
     
     
         3 . The method of  claim 1 , wherein the indication of the dispute or fraud claim associated with the financial transaction corresponds to a user disputing an authenticity of the financial transaction. 
     
     
         4 . The method of  claim 1 , wherein the second portion of the transaction metadata indicates an authenticity of the financial transaction. 
     
     
         5 . The method of  claim 1 , further comprising:
 receiving, from the merchant device and after receiving the indication of the dispute or fraud claim associated with the financial transaction from the computing device, the second portion of the transaction metadata.   
     
     
         6 . The method of  claim 1 , further comprising:
 determining the first portion of the transaction metadata by selecting a portion of the one or more data elements based on one or more criteria.   
     
     
         7 . The method of  claim 1 , further comprising:
 receiving, from the payment processing service, the authorization information.   
     
     
         8 . A data share computing device comprising:
 one or more processors; and   memory storing instructions that, when executed by the one or more processors, cause the data share computing device to:
 receive, 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;
 determine whether to authorize the financial transaction based on a first portion of the transaction metadata and based on authorization information, corresponding to the financial transaction, that indicates processing of the payment information by the payment processing service; 
 
 receive an indication of a dispute or fraud claim associated with the financial transaction from a second computing device; and 
 in response to receiving the indication of the dispute or fraud claim associated with the financial transaction from the second computing device, send, to the second computing device, a second portion of the transaction metadata that is different from the first portion of the transaction metadata. 
   
     
     
         9 . The data share computing device of  claim 8 , wherein the instructions, when executed by the one or more processors, further cause the data share computing device to:
 determine the second portion of the transaction metadata based on the indication of the dispute or fraud claim associated with the financial transaction.   
     
     
         10 . The data share computing device of  claim 8 , wherein the indication of the dispute or fraud claim associated with the financial transaction corresponds to a user disputing an authenticity of the financial transaction. 
     
     
         11 . The data share computing device of  claim 8 , wherein the second portion of the transaction metadata indicates an authenticity of the financial transaction. 
     
     
         12 . The data share computing device of  claim 8 , wherein the instructions, when executed by the one or more processors, further cause the data share computing device to:
 receive, from the merchant device and after receiving the indication of the dispute or fraud claim associated with the financial transaction from the computing device, the second portion of the transaction metadata.   
     
     
         13 . The data share computing device of  claim 8 , wherein the instructions, when executed by the one or more processors, further cause the data share computing device to:
 determine the first portion of the transaction metadata by selecting a portion of the one or more data elements based on one or more criteria.   
     
     
         14 . The data share computing device of  claim 8 , wherein the instructions, when executed by the one or more processors, further cause the data share computing device to:
 receive, from the payment processing service, the authorization information.   
     
     
         15 . One or more non-transitory computer-readable media storing instructions that, when executed by one or more processors, cause a computing device to perform steps comprising:
 receiving, by the 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;   determining, by the computing device, whether to authorize the financial transaction based on a first portion of the 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; and   in response to receiving the indication of the dispute or fraud claim associated with the financial transaction from the second computing device, sending, by the computing device and to the second computing device, a second portion of the transaction metadata that is different from the first portion of the transaction metadata.   
     
     
         16 . The computer-readable media of  claim 15 , wherein the instructions, when executed by the one or more processors, further cause the computing device to perform steps comprising:
 determining the second portion of the transaction metadata based on the indication of the dispute or fraud claim associated with the financial transaction.   
     
     
         17 . The computer-readable media of  claim 15 , wherein the indication of the dispute or fraud claim associated with the financial transaction corresponds to a user disputing an authenticity of the financial transaction. 
     
     
         18 . The computer-readable media of  claim 15 , wherein the second portion of the transaction metadata indicates an authenticity of the financial transaction. 
     
     
         19 . The computer-readable media of  claim 15 , wherein the instructions, when executed by the one or more processors, further cause the computing device to perform steps comprising:
 receiving, from the merchant device and after receiving the indication of the dispute or fraud claim associated with the financial transaction from the computing device, the second portion of the transaction metadata.   
     
     
         20 . The computer-readable media of  claim 15 , wherein the instructions, when executed by the one or more processors, cause the computing device to perform steps comprising:
 determining the first portion of the transaction metadata by selecting a portion of the one or more data elements based on one or more criteria.