{
  "model": "grayson-1",
  "state": {
    "cardholder": {
      "account_id": "acct_58217",
      "name_on_card": "JORDAN T ELLERY",
      "product": "Mastercard cash-back credit card",
      "card": "x2056, chip and contactless, issued 2026-06-03 (reissue at expiry), expires 2031-06",
      "account_open_since": "2021-06-18",
      "billing_address": "Chandler, AZ 85225, unchanged since 2023-08",
      "phone_on_file": "(480) 555-0116, mobile, unchanged since 2021",
      "email_on_file": "jordan.ellery@example.com, unchanged since 2021",
      "credit_limit_usd": 6500,
      "current_balance_usd": 2587.41,
      "available_credit_usd": 3912.59,
      "payments": "Pays $600 to $700 a month by transfer from a checking account at another bank; carries a balance; never late",
      "alerts": "Enrolled in two-way text alerts since 2021-06-18",
      "travel_notice": "None",
      "card_status": "Active; on our compromised-card watch list since 2026-09-16 (see compromise_alerts)"
    },
    "devices": [
      {
        "device": "iPhone 13, our banking app",
        "first_seen": "2022-11-05",
        "last_seen": "2026-10-09T19:10:22Z",
        "note": "Apple Pay token for this card (x6610) provisioned on it 2026-06-07, active"
      }
    ],
    "account_events_90_days": {
      "columns": [
        "ts",
        "event",
        "detail"
      ],
      "rows": [
        [
          "2026-07-24T16:20:11Z",
          "Payment",
          "650.00 by transfer"
        ],
        [
          "2026-08-24T15:02:40Z",
          "Payment",
          "600.00 by transfer"
        ],
        [
          "2026-09-16T13:00:00Z",
          "Compromise alert received",
          "Card added to watch list; see compromise_alerts"
        ],
        [
          "2026-09-24T17:45:09Z",
          "Payment",
          "700.00 by transfer"
        ],
        [
          "2026-10-09T19:10:22Z",
          "Banking app login",
          "iPhone 13, mobile carrier, Phoenix metro; viewed recent transactions"
        ]
      ],
      "logins": "Banking app: 118 logins in 90 days, all from the iPhone 13, mostly in the Phoenix metro. No web logins. No changes to phone, email, address or authorized users."
    },
    "compromise_alerts": [
      {
        "received": "2026-09-16",
        "source": "Card network compromised-account alert",
        "event": "Data compromise at an e-commerce merchant (checkout-page skimmer); merchant not named",
        "exposure_window": "2026-07-28 to 2026-09-02",
        "data_exposed": [
          "Card number",
          "Expiration date",
          "CVV2",
          "Billing name and address",
          "Email and phone entered at checkout"
        ],
        "our_cards_in_alert": 3140,
        "confirmed_fraud_since_alert": "47 cards (1.5%), mostly card-not-present: electronics, sneakers and gift cards",
        "our_action": "Watch list (medium risk tier); not reissued; cardholder not contacted"
      }
    ],
    "three_d_secure_history_90_days": {
      "columns": [
        "ts",
        "merchant",
        "amount_usd",
        "device",
        "ip_location",
        "ship_to",
        "result"
      ],
      "rows": [
        [
          "2026-08-13T04:26:51Z",
          "NIKE.COM",
          142.36,
          "iPhone 13, Safari",
          "198.51.100.140, residential cable ISP, Chandler AZ",
          "Billing address",
          "Frictionless, ECI 05"
        ],
        [
          "2026-09-14T05:03:58Z",
          "TICKETMASTER",
          168.4,
          "iPhone 13, Safari",
          "Mobile carrier, Phoenix metro",
          "n/a (mobile tickets)",
          "Frictionless, ECI 05"
        ],
        [
          "2026-09-29T06:36:31Z",
          "GAMESTOP.COM",
          64.79,
          "iPhone 13, Safari",
          "198.51.100.140, residential cable ISP, Chandler AZ",
          "Billing address",
          "Frictionless, ECI 05"
        ]
      ]
    },
    "spend_profile_12_months": {
      "authorizations": 846,
      "card_present_share_pct": 62,
      "countries": [
        "US"
      ],
      "largest_purchase_usd": 420.6,
      "sneaker_and_apparel": "NIKE.COM (2 orders, one returned), FOOT LOCKER in store; no resale sites",
      "late_night": "About 1 in 6 authorizations is between 21:00 and 01:00 local, mostly games and food delivery",
      "frequent_locations": "Chandler (home); Mesa and Tempe on many Friday and Saturday evenings"
    },
    "history_summary": {
      "window": "2026-07-11 to 2026-10-10T05:51Z",
      "authorization_requests": 167,
      "approved_purchases": 163,
      "approved_purchase_total_usd": 6424.84,
      "card_present_share_pct": 72,
      "median_purchase_usd": 29.99,
      "p95_purchase_usd": 94.91,
      "largest_purchase_usd": 420.6,
      "declines": {
        "54 expired card": 1,
        "N7 CVV2 mismatch": 1
      },
      "refunds": 1,
      "merchant_countries": [
        "US"
      ]
    },
    "legend": {
      "entry": {
        "05 chip": "POS entry mode 05: chip read, cryptogram verified",
        "07 contactless": "07: contactless with the physical card",
        "07 Apple Pay": "07: contactless with the Apple Pay token on the cardholder's phone",
        "10 card on file": "10: credential stored at the merchant, purchase started by the cardholder",
        "10 recurring": "10: merchant-initiated recurring charge on a stored credential",
        "81 keyed e-commerce": "81: card number typed at an online checkout"
      },
      "checks": "ECI 05 = authenticated with 3-D Secure, ECI 07 = not authenticated; AVS Y = street and ZIP match, Z = ZIP only, N = no match; CVV2 M = match, N = no match",
      "amount_usd": "Authorized amount; negative for refunds. Fuel pumps authorize an estimate first (note shows the completed amount).",
      "mcc": {
        "4814": "Telecommunication services",
        "4899": "Cable, streaming and pay TV",
        "5310": "Discount stores",
        "5411": "Grocery stores",
        "5542": "Automated fuel dispensers",
        "5651": "Family clothing stores",
        "5661": "Shoe stores",
        "5732": "Electronics stores",
        "5812": "Restaurants",
        "5813": "Bars and taverns",
        "5814": "Fast food",
        "5815": "Digital media: music",
        "5816": "Digital games",
        "5818": "Digital goods: large merchants",
        "5912": "Drug stores",
        "5942": "Book stores (incl. Amazon)",
        "7832": "Movie theaters",
        "7922": "Ticket agencies",
        "7997": "Clubs and gyms"
      }
    },
    "authorization_history": {
      "columns": [
        "ts",
        "merchant",
        "mcc",
        "country",
        "amount_usd",
        "entry",
        "checks",
        "response",
        "note"
      ],
      "rows": [
        [
          "2026-07-11T14:24:23Z",
          "MICROSOFT*XBOX GAME PASS MSBILL.INFO WA",
          "5818",
          "US",
          18.31,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-12T20:15:04Z",
          "IN-N-OUT CHANDLER #212 CHANDLER AZ",
          "5814",
          "US",
          19.85,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-13T07:36:01Z",
          "MICROSOFT*STORE MSBILL.INFO WA",
          "5818",
          "US",
          10.77,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-14T13:00:27Z",
          "T-MOBILE*AUTO PAY BELLEVUE WA",
          "4814",
          "US",
          95,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-14T15:33:18Z",
          "DUTCH BROS #AZ0123 CHANDLER AZ",
          "5814",
          "US",
          12.14,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-14T16:39:43Z",
          "QT 1432 CHANDLER AZ",
          "5542",
          "US",
          1,
          "05 chip",
          "",
          "00 approved",
          "Pump pre-authorization; completed 30.36"
        ],
        [
          "2026-07-14T23:42:17Z",
          "FRYS-FOOD-DRG #0612 CHANDLER AZ",
          "5411",
          "US",
          77.33,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-15T03:42:58Z",
          "STEAM PURCHASE BELLEVUE WA",
          "5816",
          "US",
          10.77,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-15T20:46:25Z",
          "IN-N-OUT CHANDLER #212 CHANDLER AZ",
          "5814",
          "US",
          11.47,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-15T21:05:54Z",
          "TARGET 00021234 CHANDLER AZ",
          "5310",
          "US",
          36.7,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-16T14:44:59Z",
          "DUTCH BROS #AZ0123 CHANDLER AZ",
          "5814",
          "US",
          8.69,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-17T18:57:47Z",
          "RAISING CANES 0412 CHANDLER AZ",
          "5814",
          "US",
          12.95,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-18T20:39:51Z",
          "IN-N-OUT CHANDLER #212 CHANDLER AZ",
          "5814",
          "US",
          19.89,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-19T04:36:48Z",
          "AMZN MKTP US*7WV2MXRYN AMZN.COM/BILL WA",
          "5942",
          "US",
          53.07,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-19T16:12:16Z",
          "SPOTIFY USA NEW YORK NY",
          "5815",
          "US",
          11.99,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-19T18:01:41Z",
          "ROSS STORES #612 CHANDLER AZ",
          "5651",
          "US",
          44.55,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-21T15:06:37Z",
          "STARBUCKS STORE 21456 CHANDLER AZ",
          "5814",
          "US",
          7.81,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-21T19:39:19Z",
          "JERSEY MIKES 31234 CHANDLER AZ",
          "5814",
          "US",
          19.65,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-22T00:33:08Z",
          "QT 1432 CHANDLER AZ",
          "5542",
          "US",
          1,
          "05 chip",
          "",
          "00 approved",
          "Pump pre-authorization; completed 56.93"
        ],
        [
          "2026-07-22T23:07:32Z",
          "FRYS-FOOD-DRG #0612 CHANDLER AZ",
          "5411",
          "US",
          45.31,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-23T10:11:40Z",
          "PARAMOUNT+ NEW YORK NY",
          "4899",
          "US",
          8.62,
          "10 recurring",
          "",
          "54 expired card",
          "Merchant sent the expiration date of the card replaced in June"
        ],
        [
          "2026-07-23T16:19:11Z",
          "DUTCH BROS #AZ0123 CHANDLER AZ",
          "5814",
          "US",
          5.34,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-24T10:09:02Z",
          "PARAMOUNT+ NEW YORK NY",
          "4899",
          "US",
          8.62,
          "10 recurring",
          "",
          "00 approved",
          "Retry with updated card details"
        ],
        [
          "2026-07-25T04:42:49Z",
          "STEAM PURCHASE BELLEVUE WA",
          "5816",
          "US",
          75.46,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-25T05:30:41Z",
          "TST* DESERT BLOOM TAPHOUSE MESA AZ",
          "5813",
          "US",
          80.39,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-25T22:44:19Z",
          "BEST BUY 00000612 CHANDLER AZ",
          "5732",
          "US",
          420.6,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-26T18:55:56Z",
          "CHIPOTLE 1872 CHANDLER AZ",
          "5814",
          "US",
          14.13,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-27T02:00:37Z",
          "QT 1432 CHANDLER AZ",
          "5542",
          "US",
          1,
          "05 chip",
          "",
          "00 approved",
          "Pump pre-authorization; completed 33.58"
        ],
        [
          "2026-07-27T05:43:33Z",
          "DOORDASH*WINGSTOP SAN FRANCISCO CA",
          "5812",
          "US",
          28.93,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-27T20:08:06Z",
          "WALGREENS #11234 CHANDLER AZ",
          "5912",
          "US",
          40.66,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-28T01:07:26Z",
          "WAL-MART #5312 CHANDLER AZ",
          "5310",
          "US",
          63.36,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-30T18:53:00Z",
          "CHIPOTLE 1872 CHANDLER AZ",
          "5814",
          "US",
          17.65,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-31T14:48:14Z",
          "DUTCH BROS #AZ0123 CHANDLER AZ",
          "5814",
          "US",
          8.62,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-01T14:57:10Z",
          "DUTCH BROS #AZ0123 CHANDLER AZ",
          "5814",
          "US",
          8.69,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-01T16:52:06Z",
          "FRYS FUEL #0612 CHANDLER AZ",
          "5542",
          "US",
          1,
          "05 chip",
          "",
          "00 approved",
          "Pump pre-authorization; completed 45.06"
        ],
        [
          "2026-08-02T06:43:08Z",
          "DOORDASH*WINGSTOP SAN FRANCISCO CA",
          "5812",
          "US",
          30.38,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-02T17:04:25Z",
          "WAL-MART #5312 CHANDLER AZ",
          "5310",
          "US",
          60.74,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-03T04:11:32Z",
          "DOORDASH*RAISING CANES SAN FRANCISCO CA",
          "5812",
          "US",
          36.68,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-03T13:06:51Z",
          "CRUNCH FITNESS CHANDLER AZ",
          "7997",
          "US",
          29.99,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-03T15:43:10Z",
          "DUTCH BROS #AZ0123 CHANDLER AZ",
          "5814",
          "US",
          7.93,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-04T07:05:55Z",
          "DOORDASH*WINGSTOP SAN FRANCISCO CA",
          "5812",
          "US",
          45.16,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-05T11:12:18Z",
          "NETFLIX.COM LOS GATOS CA",
          "4899",
          "US",
          15.49,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-05T14:46:28Z",
          "DUTCH BROS #AZ0123 CHANDLER AZ",
          "5814",
          "US",
          7.52,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-06T00:56:27Z",
          "AMZN MKTP US*5N5VLLROW AMZN.COM/BILL WA",
          "5942",
          "US",
          64.93,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-06T20:17:38Z",
          "RAISING CANES 0412 CHANDLER AZ",
          "5814",
          "US",
          8.22,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-07T15:56:01Z",
          "STARBUCKS STORE 21456 CHANDLER AZ",
          "5814",
          "US",
          10.19,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-08T18:41:29Z",
          "FRYS FUEL #0612 CHANDLER AZ",
          "5542",
          "US",
          1,
          "05 chip",
          "",
          "00 approved",
          "Pump pre-authorization; completed 34.65"
        ],
        [
          "2026-08-09T07:15:53Z",
          "DOORDASH*PHO 98 SAN FRANCISCO CA",
          "5812",
          "US",
          38.32,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-09T12:18:39Z",
          "COX PHOENIX COMM SERV PHOENIX AZ",
          "4899",
          "US",
          84.99,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-09T13:57:08Z",
          "DUTCH BROS #AZ0123 CHANDLER AZ",
          "5814",
          "US",
          6.27,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-10T02:27:04Z",
          "ROSS STORES #612 CHANDLER AZ",
          "5651",
          "US",
          80.91,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-11T14:24:32Z",
          "MICROSOFT*XBOX GAME PASS MSBILL.INFO WA",
          "5818",
          "US",
          18.31,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-13T04:27:05Z",
          "NIKE.COM BEAVERTON OR",
          "5661",
          "US",
          142.36,
          "81 keyed e-commerce",
          "ECI 05; AVS Y; CVV2 M",
          "00 approved",
          ""
        ],
        [
          "2026-08-14T13:00:46Z",
          "T-MOBILE*AUTO PAY BELLEVUE WA",
          "4814",
          "US",
          95,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-15T01:29:39Z",
          "FRYS-FOOD-DRG #0612 CHANDLER AZ",
          "5411",
          "US",
          108.56,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-15T03:50:27Z",
          "SQ *MAIN ST TACO BAR MESA AZ",
          "5812",
          "US",
          52.89,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-15T18:01:55Z",
          "FRYS-FOOD-DRG #0088 MESA AZ",
          "5411",
          "US",
          19.22,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-15T22:48:35Z",
          "QT 1432 CHANDLER AZ",
          "5542",
          "US",
          1,
          "05 chip",
          "",
          "00 approved",
          "Pump pre-authorization; completed 33.30"
        ],
        [
          "2026-08-16T18:07:07Z",
          "TARGET 00021234 CHANDLER AZ",
          "5310",
          "US",
          57.35,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-17T02:31:07Z",
          "TST* COPPER FORGE BURGERS TEMPE AZ",
          "5812",
          "US",
          58.9,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-17T16:15:54Z",
          "STARBUCKS STORE 21456 CHANDLER AZ",
          "5814",
          "US",
          11.34,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-18T18:47:56Z",
          "RAISING CANES 0412 CHANDLER AZ",
          "5814",
          "US",
          8.19,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-19T16:12:50Z",
          "SPOTIFY USA NEW YORK NY",
          "5815",
          "US",
          11.99,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-20T03:56:15Z",
          "DOORDASH*PHO 98 SAN FRANCISCO CA",
          "5812",
          "US",
          27.67,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-20T20:56:38Z",
          "JERSEY MIKES 31234 CHANDLER AZ",
          "5814",
          "US",
          10.96,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-21T06:20:57Z",
          "STEAM PURCHASE BELLEVUE WA",
          "5816",
          "US",
          75.46,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-21T15:26:30Z",
          "DUTCH BROS #AZ0123 CHANDLER AZ",
          "5814",
          "US",
          5.69,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-22T03:06:45Z",
          "SQ *MAIN ST TACO BAR MESA AZ",
          "5812",
          "US",
          35.13,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-23T04:51:04Z",
          "AMAZON.COM*GDUDVLUXX AMZN.COM/BILL WA",
          "5942",
          "US",
          46.75,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-23T14:59:46Z",
          "DUTCH BROS #AZ0123 CHANDLER AZ",
          "5814",
          "US",
          6.43,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-23T17:51:29Z",
          "FRYS-FOOD-DRG #0612 CHANDLER AZ",
          "5411",
          "US",
          80.81,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-23T18:04:03Z",
          "CHIPOTLE 1872 CHANDLER AZ",
          "5814",
          "US",
          17.75,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-23T20:03:19Z",
          "FRYS FUEL #0612 CHANDLER AZ",
          "5542",
          "US",
          1,
          "05 chip",
          "",
          "00 approved",
          "Pump pre-authorization; completed 48.41"
        ],
        [
          "2026-08-26T13:49:10Z",
          "STARBUCKS STORE 21456 CHANDLER AZ",
          "5814",
          "US",
          5.62,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-28T03:31:14Z",
          "DOORDASH*WINGSTOP SAN FRANCISCO CA",
          "5812",
          "US",
          35.75,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-28T17:35:45Z",
          "SPROUTS FARMERS MAR #112 CHANDLER AZ",
          "5411",
          "US",
          93.12,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-28T20:15:34Z",
          "JERSEY MIKES 31234 CHANDLER AZ",
          "5814",
          "US",
          11.42,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-29T16:13:31Z",
          "QT 1432 CHANDLER AZ",
          "5542",
          "US",
          1,
          "05 chip",
          "",
          "00 approved",
          "Pump pre-authorization; completed 39.58"
        ],
        [
          "2026-08-30T02:53:53Z",
          "FRYS-FOOD-DRG #0612 CHANDLER AZ",
          "5411",
          "US",
          57.08,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-30T05:58:58Z",
          "TST* COPPER FORGE BURGERS TEMPE AZ",
          "5812",
          "US",
          21.63,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-30T18:38:38Z",
          "CHIPOTLE 1872 CHANDLER AZ",
          "5814",
          "US",
          9.88,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-30T21:02:47Z",
          "NIKE.COM BEAVERTON OR",
          "5661",
          "US",
          -142.36,
          "81 keyed e-commerce",
          "",
          "00 refund approved",
          "Refund, purchase of 2026-08-13"
        ],
        [
          "2026-08-31T16:06:43Z",
          "DUTCH BROS #AZ0123 CHANDLER AZ",
          "5814",
          "US",
          8.98,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-01T07:51:57Z",
          "STEAM PURCHASE BELLEVUE WA",
          "5816",
          "US",
          75.46,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-02T04:43:25Z",
          "AMAZON.COM*6U2W311DH AMZN.COM/BILL WA",
          "5942",
          "US",
          24.12,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-03T13:06:45Z",
          "CRUNCH FITNESS CHANDLER AZ",
          "7997",
          "US",
          29.99,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-04T04:08:25Z",
          "TST* DESERT BLOOM TAPHOUSE MESA AZ",
          "5813",
          "US",
          27.22,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-04T18:51:50Z",
          "CHIPOTLE 1872 CHANDLER AZ",
          "5814",
          "US",
          15.69,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-04T19:36:17Z",
          "FRYS-FOOD-DRG #0612 CHANDLER AZ",
          "5411",
          "US",
          19.59,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-05T04:30:41Z",
          "DOORDASH*PHO 98 SAN FRANCISCO CA",
          "5812",
          "US",
          36.76,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-05T11:12:15Z",
          "NETFLIX.COM LOS GATOS CA",
          "4899",
          "US",
          15.49,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-05T14:18:16Z",
          "DUTCH BROS #AZ0123 CHANDLER AZ",
          "5814",
          "US",
          8.6,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-05T19:35:35Z",
          "QT 1432 CHANDLER AZ",
          "5542",
          "US",
          1,
          "05 chip",
          "",
          "00 approved",
          "Pump pre-authorization; completed 29.81"
        ],
        [
          "2026-09-06T00:54:33Z",
          "FRYS-FOOD-DRG #0612 CHANDLER AZ",
          "5411",
          "US",
          50.17,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-06T18:46:06Z",
          "JERSEY MIKES 31234 CHANDLER AZ",
          "5814",
          "US",
          8.25,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-06T19:57:14Z",
          "WAL-MART #5312 CHANDLER AZ",
          "5310",
          "US",
          75.68,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-06T23:18:31Z",
          "FOOT LOCKER #07612 CHANDLER AZ",
          "5661",
          "US",
          205.28,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-07T14:56:08Z",
          "DUTCH BROS #AZ0123 CHANDLER AZ",
          "5814",
          "US",
          10.47,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-08T15:34:02Z",
          "DUTCH BROS #AZ0123 CHANDLER AZ",
          "5814",
          "US",
          6.68,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-09T12:18:51Z",
          "COX PHOENIX COMM SERV PHOENIX AZ",
          "4899",
          "US",
          84.99,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-09T14:45:40Z",
          "DUTCH BROS #AZ0123 CHANDLER AZ",
          "5814",
          "US",
          9.97,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-09T17:56:49Z",
          "WALGREENS #11234 CHANDLER AZ",
          "5912",
          "US",
          45.16,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-10T15:38:22Z",
          "STARBUCKS STORE 21456 CHANDLER AZ",
          "5814",
          "US",
          7.87,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-10T19:47:40Z",
          "JERSEY MIKES 31234 CHANDLER AZ",
          "5814",
          "US",
          10.97,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-11T06:13:38Z",
          "DOORDASH*RAISING CANES SAN FRANCISCO CA",
          "5812",
          "US",
          39.12,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-11T14:24:02Z",
          "MICROSOFT*XBOX GAME PASS MSBILL.INFO WA",
          "5818",
          "US",
          18.31,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-13T02:46:36Z",
          "QT 1432 CHANDLER AZ",
          "5542",
          "US",
          1,
          "05 chip",
          "",
          "00 approved",
          "Pump pre-authorization; completed 34.34"
        ],
        [
          "2026-09-13T03:34:18Z",
          "AMAZON.COM*AGITIX8VS AMZN.COM/BILL WA",
          "5942",
          "US",
          38.1,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-13T04:19:48Z",
          "SQ *MAIN ST TACO BAR MESA AZ",
          "5812",
          "US",
          45.13,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-13T16:04:14Z",
          "DUTCH BROS #AZ0217 MESA AZ",
          "5814",
          "US",
          8.91,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-14T05:04:12Z",
          "TICKETMASTER 800-555-0161 CA",
          "7922",
          "US",
          168.4,
          "81 keyed e-commerce",
          "ECI 05; AVS Y; CVV2 N",
          "N7 CVV2 mismatch",
          ""
        ],
        [
          "2026-09-14T05:05:40Z",
          "TICKETMASTER 800-555-0161 CA",
          "7922",
          "US",
          168.4,
          "81 keyed e-commerce",
          "ECI 05; AVS Y; CVV2 M",
          "00 approved",
          ""
        ],
        [
          "2026-09-14T13:00:53Z",
          "T-MOBILE*AUTO PAY BELLEVUE WA",
          "4814",
          "US",
          95,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-15T18:53:18Z",
          "FRYS-FOOD-DRG #0612 CHANDLER AZ",
          "5411",
          "US",
          62.02,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-17T19:52:42Z",
          "RAISING CANES 0412 CHANDLER AZ",
          "5814",
          "US",
          9.31,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-18T18:40:05Z",
          "WALGREENS #11234 CHANDLER AZ",
          "5912",
          "US",
          48.18,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-18T21:31:47Z",
          "AMZN MKTP US*LX5535LQN AMZN.COM/BILL WA",
          "5942",
          "US",
          15.12,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-19T16:12:26Z",
          "SPOTIFY USA NEW YORK NY",
          "5815",
          "US",
          11.99,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-19T23:11:07Z",
          "FRYS-FOOD-DRG #0612 CHANDLER AZ",
          "5411",
          "US",
          69.49,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-20T00:14:57Z",
          "FRYS FUEL #0612 CHANDLER AZ",
          "5542",
          "US",
          1,
          "05 chip",
          "",
          "00 approved",
          "Pump pre-authorization; completed 36.94"
        ],
        [
          "2026-09-20T04:18:05Z",
          "TST* DESERT BLOOM TAPHOUSE MESA AZ",
          "5813",
          "US",
          49.78,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-20T18:23:24Z",
          "FRYS-FOOD-DRG #0088 MESA AZ",
          "5411",
          "US",
          53.41,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-20T20:08:47Z",
          "CHIPOTLE 1872 CHANDLER AZ",
          "5814",
          "US",
          12.29,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-20T22:28:37Z",
          "AMAZON.COM*C7SVPE0FZ AMZN.COM/BILL WA",
          "5942",
          "US",
          51.98,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-21T21:35:12Z",
          "WAL-MART #5312 CHANDLER AZ",
          "5310",
          "US",
          66.74,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-22T14:36:41Z",
          "STARBUCKS STORE 21456 CHANDLER AZ",
          "5814",
          "US",
          9.4,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-22T17:35:59Z",
          "TARGET 00021234 CHANDLER AZ",
          "5310",
          "US",
          47.73,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-23T07:21:23Z",
          "DOORDASH*PHO 98 SAN FRANCISCO CA",
          "5812",
          "US",
          31.89,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-23T16:08:54Z",
          "DUTCH BROS #AZ0123 CHANDLER AZ",
          "5814",
          "US",
          7.53,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-24T07:24:28Z",
          "DOORDASH*WINGSTOP SAN FRANCISCO CA",
          "5812",
          "US",
          23.67,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-24T14:56:41Z",
          "STARBUCKS STORE 21456 CHANDLER AZ",
          "5814",
          "US",
          10.5,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-24T20:46:56Z",
          "JERSEY MIKES 31234 CHANDLER AZ",
          "5814",
          "US",
          12.61,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-25T15:12:57Z",
          "DUTCH BROS #AZ0123 CHANDLER AZ",
          "5814",
          "US",
          8.12,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-25T17:46:51Z",
          "FRYS-FOOD-DRG #0612 CHANDLER AZ",
          "5411",
          "US",
          94.91,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-25T19:20:29Z",
          "RAISING CANES 0412 CHANDLER AZ",
          "5814",
          "US",
          8.14,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-26T04:12:52Z",
          "SQ *MAIN ST TACO BAR MESA AZ",
          "5812",
          "US",
          43.25,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-27T00:59:52Z",
          "WAL-MART #5312 CHANDLER AZ",
          "5310",
          "US",
          71.62,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-27T01:22:40Z",
          "QT 1432 CHANDLER AZ",
          "5542",
          "US",
          1,
          "05 chip",
          "",
          "00 approved",
          "Pump pre-authorization; completed 40.45"
        ],
        [
          "2026-09-27T04:30:13Z",
          "HARKINS THEATRES #31 CHANDLER AZ",
          "7832",
          "US",
          62.97,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-27T19:01:20Z",
          "ROSS STORES #612 CHANDLER AZ",
          "5651",
          "US",
          79.81,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-27T19:50:48Z",
          "FRYS-FOOD-DRG #0612 CHANDLER AZ",
          "5411",
          "US",
          45.88,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-27T20:42:29Z",
          "CHIPOTLE 1872 CHANDLER AZ",
          "5814",
          "US",
          11.85,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-28T14:16:05Z",
          "DUTCH BROS #AZ0123 CHANDLER AZ",
          "5814",
          "US",
          5.8,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-28T19:02:02Z",
          "IN-N-OUT CHANDLER #212 CHANDLER AZ",
          "5814",
          "US",
          11.08,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-29T06:36:50Z",
          "GAMESTOP.COM GRAPEVINE TX",
          "5816",
          "US",
          64.79,
          "81 keyed e-commerce",
          "ECI 05; AVS Y; CVV2 M",
          "00 approved",
          ""
        ],
        [
          "2026-09-29T14:04:14Z",
          "DUTCH BROS #AZ0123 CHANDLER AZ",
          "5814",
          "US",
          8.54,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-29T20:36:40Z",
          "TACO BELL #031234 CHANDLER AZ",
          "5814",
          "US",
          17.79,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-10-02T15:26:01Z",
          "DUTCH BROS #AZ0123 CHANDLER AZ",
          "5814",
          "US",
          11.68,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-10-02T17:08:15Z",
          "ROSS STORES #612 CHANDLER AZ",
          "5651",
          "US",
          91.57,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-10-02T17:32:10Z",
          "CIRCLE K # 21234 CHANDLER AZ",
          "5542",
          "US",
          175,
          "05 chip",
          "",
          "00 approved",
          "Pump pre-authorization; completed 51.36"
        ],
        [
          "2026-10-03T13:06:08Z",
          "CRUNCH FITNESS CHANDLER AZ",
          "7997",
          "US",
          29.99,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-10-03T20:08:31Z",
          "JERSEY MIKES 31234 CHANDLER AZ",
          "5814",
          "US",
          12.41,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-10-04T03:38:19Z",
          "TST* COPPER FORGE BURGERS TEMPE AZ",
          "5812",
          "US",
          77.6,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-10-05T00:36:53Z",
          "WAL-MART #5312 CHANDLER AZ",
          "5310",
          "US",
          56.78,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-10-05T11:12:37Z",
          "NETFLIX.COM LOS GATOS CA",
          "4899",
          "US",
          15.49,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-10-05T13:51:30Z",
          "DUTCH BROS #AZ0123 CHANDLER AZ",
          "5814",
          "US",
          10.8,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-10-05T18:48:07Z",
          "JERSEY MIKES 31234 CHANDLER AZ",
          "5814",
          "US",
          15.28,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-10-06T05:42:47Z",
          "SQ *MAIN ST TACO BAR MESA AZ",
          "5812",
          "US",
          53.8,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-10-06T15:57:41Z",
          "DUTCH BROS #AZ0123 CHANDLER AZ",
          "5814",
          "US",
          6.61,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-10-07T20:18:45Z",
          "JERSEY MIKES 31234 CHANDLER AZ",
          "5814",
          "US",
          11.69,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-10-08T01:32:30Z",
          "TST* DESERT BLOOM TAPHOUSE MESA AZ",
          "5813",
          "US",
          61.89,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-10-09T12:18:07Z",
          "COX PHOENIX COMM SERV PHOENIX AZ",
          "4899",
          "US",
          84.99,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-10-09T14:41:03Z",
          "DUTCH BROS #AZ0123 CHANDLER AZ",
          "5814",
          "US",
          6.45,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-10-09T19:22:48Z",
          "CHIPOTLE 1872 CHANDLER AZ",
          "5814",
          "US",
          13.87,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-10-10T00:05:30Z",
          "QT 1432 CHANDLER AZ",
          "5542",
          "US",
          1,
          "05 chip",
          "",
          "00 approved",
          "Pump pre-authorization; completed 41.12"
        ],
        [
          "2026-10-10T03:14:26Z",
          "TST* DESERT BLOOM TAPHOUSE MESA AZ",
          "5813",
          "US",
          47.82,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-10-10T05:49:40Z",
          "LACEWELL EXCHANGE 702-555-0137 NV",
          "5661",
          "US",
          0,
          "81 keyed e-commerce",
          "ECI 07; AVS Y; CVV2 M",
          "00 approved",
          "Account verification ($0) when the card was added at checkout"
        ]
      ]
    },
    "merchant_activity_on_our_cards": {
      "LACEWELL EXCHANGE": {
        "what_it_is": "Online sneaker and streetwear resale marketplace; MCC 5661",
        "first_seen_on_our_cards": "2025-03-11",
        "last_30_days": {
          "authorizations": 188,
          "approved_pct": 91,
          "median_amount_usd": 246
        },
        "confirmed_fraud_90_days": "2.4% of approved dollars (our e-commerce average is 0.4%)",
        "three_d_secure": "Sends data-only 3-D Secure requests on almost every purchase; never asks for authentication",
        "cards_from_the_same_compromise_alert": "6 of our cards in the 2026-09-16 alert have bought here since the alert: 1 confirmed fraud, 2 confirmed genuine by the cardholder, 3 with no report"
      }
    },
    "authorization_under_review": {
      "ts": "2026-10-10T05:51:12Z",
      "merchant": "LACEWELL EXCHANGE 702-555-0137 NV",
      "merchant_category": "5661 Shoe stores",
      "merchant_country": "US",
      "amount_usd": 684.97,
      "transaction": "Purchase",
      "channel": "E-commerce",
      "entry": "81 keyed e-commerce: card number typed at checkout",
      "expiration_date": "Matches",
      "eci": "07 (not authenticated; the merchant sent a data-only 3-D Secure request)",
      "avs": "Y: street address and ZIP match",
      "cvv2": "M: match",
      "first_purchase_at_merchant": true,
      "three_d_secure_data_only_request": {
        "ts": "2026-10-10T05:51:04Z",
        "device": "Windows 11 desktop, Chrome 129, screen 1920x1080, language en-US, browser time zone UTC-07:00",
        "device_seen_before_on_this_card": false,
        "ip": "203.0.113.47, residential cable ISP, Mesa AZ (about 14 miles from the billing address); not seen before on our cards",
        "ip_reputation": "Not a VPN or hosting range; our IP vendor rates it a possible residential proxy exit (medium confidence)",
        "ship_to": "Mesa, AZ 85203, name J ELLERY; not the billing address; first use at this merchant",
        "ship_to_address_check": "Deliverable; a private mailbox at a mail and shipping store (USPS commercial mail receiving agency flag); not seen before on our cards",
        "merchant_account": "Created during this checkout; card added during this checkout",
        "email_entered": "A free-mail address that is not the email on file and doesn't contain the cardholder's name; not seen before on our cards",
        "phone_entered": "Matches the phone on file"
      },
      "available_credit_after_usd": 3227.62,
      "scores": {
        "network_risk_score": "512 (0 to 999, higher is riskier)",
        "our_fraud_model": "664 (0 to 999; our strategy steps up at 700 and declines at 850)",
        "our_model_reasons": [
          "Card on compromise watch list",
          "New device",
          "Ship-to differs from billing",
          "Amount above 12-month largest purchase"
        ]
      },
      "rules_fired": [
        {
          "rule": "R-412 Card on compromise watch list, card-not-present over $500",
          "action": "Flag for review"
        }
      ]
    }
  },
  "questions": {
    "fraud_likelihood": {
      "type": "score",
      "instructions": "How likely is it that the authorization under review is fraudulent, meaning the cardholder didn't make it?",
      "criteria": [
        "Very unlikely (under 10%)",
        "Unlikely (10-40%)",
        "Uncertain (40-60%)",
        "Likely (60-90%)",
        "Very likely (over 90%)"
      ]
    },
    "card_tested": {
      "type": "noul",
      "instructions": "Was this card number checked by card testing before the authorization under review? Card testing means small or zero-amount authorizations, often at an unrelated merchant and often with failed attempts, used to confirm that a stolen or generated card number works."
    },
    "action": {
      "type": "choice",
      "instructions": "What should happen to the authorization under review?",
      "criteria": {
        "approve": "Approve the authorization",
        "step_up": "Step up: confirm with the cardholder first (a 3-D Secure challenge, or a one-time code or text alert to the phone on file) and approve only if they confirm",
        "decline": "Decline the authorization and block the card for reissue"
      }
    }
  }
}