Flow with Resolver: PayPledge with Dispute Resolution

This document describes the PayPledge flow when resolver intervention is needed for dispute resolution and refutation handling.

Workflow Overview

This resolver flow follows the same five phases as the base scenario, but includes additional dispute resolution steps:

Key Differences from Base Scenario

Dispute Resolution Points

• Performance Refutation: Buyer can refute seller's condition fulfillment
• Discharge Refutation: Seller can refute buyer's discharge
• Resolver Intervention: Neutral third-party mediation for disputes
• Evidence Review: Comprehensive evidence gathering and review process
• Binding Decisions: Resolver decisions are final and binding

Extended Timeline

• Additional steps for dispute resolution
• Evidence submission and review periods
• Resolver decision-making process
• Implementation of resolver decisions

Phase-by-Phase Breakdown

Phase 1: Setup & Onboarding

Steps 1-7: Foundation Setup

• Same as base scenario
• All users onboarded and ready

Phase 2: Credit Management

Steps 8-9: Credit Line Establishment

• Same as base scenario
• Credit line approved and active

Phase 3: PayPledge Creation

Steps 10-14: Transaction Initiation

• Same as base scenario
• PayPledge created and accepted

Phase 4: Transaction Execution

Steps 15-17: Performance & Dispute Resolution

• Condition fulfillment initiation
• Performance refutation (new step)
• Resolver intervention (new step)

Phase 5: Settlement & Resolution

Steps 18-22: Settlement & Dispute Resolution

• Discharge initiation
• Discharge refutation (new step)
• Resolver intervention (new step)
• Final settlement completion

Detailed Step-by-Step Flow

Phase 1: Setup & Onboarding (Steps 1-7)

Same as base scenario - see Phase 1: Setup & Onboarding

Phase 2: Credit Management (Steps 8-9)

Same as base scenario - see Phase 2: Credit Management

Phase 3: PayPledge Creation (Steps 10-14)

Same as base scenario - see Phase 3: PayPledge Creation

Phase 4: Transaction Execution (Steps 15-17)

Step 15: Trader Initiates Condition Fulfillment as Seller

• Action: Trader begins fulfilling performance conditions as a seller
• System Response: PayPledge status shows "In Progress"
• Screenshot:
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Step 16: Buyer Refutes Condition Fulfillment

• Action: Buyer reviews seller's fulfillment and raises refutation
• System Response: Dispute created and assigned to resolver
• Screenshots:
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• Video: Dispute Resolution - Refutation

Step 17: Resolver Completes Condition Fulfillment

• Action: Resolver reviews evidence and completes condition fulfillment
• System Response: PayPledge status changes to "Effective"
• Screenshots:
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• Video: Resolver Mediation

Phase 5: Settlement & Resolution (Steps 18-22)

Step 18: Buyer Initiates Discharge

• Action: Buyer initiates the discharge process
• System Response: PayPledge status changes to "Discharging"
• Screenshots:
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• Video: Discharge Initiation

Step 19: Seller Refutes Discharge

• Action: Seller reviews discharge and refutes it
• System Response: Discharge refuted, PayPledge status reverts
• Screenshots:
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Step 20: Resolver Cancels Discharge

• Action: Resolver reviews discharge and cancels it
• System Response: Discharge cancelled, PayPledge status reverts
• Screenshots:
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Step 21: Buyer Initiates Discharge Again

• Action: Buyer initiates discharge process again
• System Response: PayPledge status changes to "Discharging"
• Screenshots:
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Step 22: Buyer Completes Discharge

• Action: Buyer completes the discharge process
• System Response: PayPledge status changes to "Discharged"
• Screenshots:
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• Video: Discharge Completion

Dispute Resolution Process

Resolver Interface Steps

Resolver Dashboard Access

• Action: Resolver logs into SecureTrade Resolver interface
• System Response: Dashboard shows pending disputes and resolutions
• Screenshot:

Dispute Review Process

• Action: Resolver reviews dispute details and evidence
• System Response: All relevant information displayed for review
• Screenshots:
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Resolution Decision

• Action: Resolver makes binding decision on the dispute
• System Response: Decision recorded and parties notified
• Screenshots:
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Dispute Types

Performance Disputes

• Trigger: Buyer refutes seller's condition fulfillment
• Process: Evidence review and performance verification
• Resolution: Resolver determines if performance meets requirements

Discharge Disputes

• Trigger: Seller refutes buyer's discharge
• Process: Settlement review and payment verification
• Resolution: Resolver determines if discharge is valid

Key Features

• Comprehensive Dispute Handling: Both performance and discharge disputes
• Evidence-Based Resolution: Decisions based on documented proof
• Neutral Mediation: Resolver provides impartial judgment
• Binding Decisions: Resolver decisions are final and enforceable
• Extended Timeline: Additional processing time for dispute resolution

Benefits of Resolver Flow

• Fair Resolution: Neutral mediation ensures fair outcomes
• Evidence-Based: Decisions based on documented proof
• Transparent Process: All parties can see resolution reasoning
• Dispute Prevention: Clear processes reduce future conflicts
• Final Authority: Resolver decisions provide closure
• Quality Assurance: Enhanced quality control through dispute resolution

Phase Navigation

• Phase 1: Setup & Onboarding - Foundation setup
• Phase 2: Credit Management - Credit line establishment
• Phase 3: PayPledge Creation - Transaction initiation
• Phase 4: Transaction Execution - Performance & dispute resolution
• Phase 5: Settlement & Resolution - Settlement & dispute resolution

Related Resources

• Complete Workflow Videos - Video demonstrations
• Base Scenario - Smooth transaction flow
• Resolver Role Guide - Resolver responsibilities
• Trader Role Guide - Trader responsibilities
• Underwriter Role Guide - Underwriter responsibilities