{
  "model": "grayson-1",
  "state": {
    "cardholder": {
      "account_id": "acct_77310",
      "name_on_card": "MELISSA A VARGA",
      "product": "Visa Signature rewards credit card",
      "card": "x7193, chip and contactless, issued 2025-03-06 (reissue at expiry), expires 2029-03",
      "account_open_since": "2019-04-11",
      "billing_address": "Columbus, OH 43214, unchanged since 2019",
      "phone_on_file": "(614) 555-0148, mobile, last changed 2023-01-15",
      "email_on_file": "mvarga@example.net, unchanged since 2019",
      "credit_limit_usd": 12000,
      "current_balance_usd": 2659.82,
      "available_credit_usd": 9340.18,
      "payments": "Autopay of the full statement balance from checking x4410; never late",
      "alerts": "Enrolled in two-way text alerts (fraud checks texted to the phone on file) since 2021-06-02",
      "travel_notice": "None",
      "card_status": "Active; no lost or stolen report, no block"
    },
    "devices": [
      {
        "device": "iPhone 14, our banking app",
        "first_seen": "2023-02-04",
        "last_seen": "2026-10-03T12:40:18Z",
        "note": "Apple Pay token for this card (x5521) provisioned on it 2024-05-02, active"
      },
      {
        "device": "Windows laptop, Chrome",
        "first_seen": "2022-11-19",
        "last_seen": "2026-09-09T00:41:19Z",
        "note": "Seen only in 3-D Secure, from the cardholder's home connection"
      }
    ],
    "account_events_90_days": {
      "columns": [
        "ts",
        "event",
        "detail"
      ],
      "rows": [
        [
          "2026-07-10T23:14:02Z",
          "Password reset",
          "Banking app on the iPhone 14; code texted to the phone on file"
        ],
        [
          "2026-07-15T09:00:00Z",
          "Payment",
          "Autopay 1,912.44"
        ],
        [
          "2026-08-15T09:00:00Z",
          "Payment",
          "Autopay 2,204.17"
        ],
        [
          "2026-08-21T22:29:55Z",
          "Fraud text alert",
          "VALUE CITY FURNITURE 486.20; reply YES at 22:33:06Z"
        ],
        [
          "2026-09-15T09:00:00Z",
          "Payment",
          "Autopay 1,788.90"
        ],
        [
          "2026-10-03T12:40:18Z",
          "Banking app login",
          "iPhone 14; viewed recent transactions"
        ]
      ],
      "logins": "Banking app: 71 logins in 90 days, all from the iPhone 14 in the Columbus area. No web logins. No changes to phone, email, address or authorized users."
    },
    "three_d_secure_history_90_days": {
      "columns": [
        "ts",
        "merchant",
        "amount_usd",
        "device",
        "ip_location",
        "ship_to",
        "result"
      ],
      "rows": [
        [
          "2026-07-19T00:35:50Z",
          "SOUTHWEST AIRLINES",
          286.4,
          "Windows laptop, Chrome",
          "198.51.100.23, residential cable ISP, Columbus OH",
          "n/a",
          "Frictionless, ECI 05"
        ],
        [
          "2026-08-03T01:04:21Z",
          "ETSY.COM",
          46.8,
          "iPhone 14, Safari",
          "Mobile carrier, Columbus OH",
          "Billing address",
          "Frictionless, ECI 05"
        ],
        [
          "2026-09-09T00:37:44Z",
          "ULTA.COM",
          72.14,
          "Windows laptop, Chrome",
          "198.51.100.23, residential cable ISP, Columbus OH",
          "Billing address",
          "Frictionless, ECI 05"
        ],
        [
          "2026-09-27T17:02:20Z",
          "KOHLS.COM",
          63.98,
          "iPhone 14, Safari",
          "198.51.100.23, residential cable ISP, Columbus OH",
          "Store pickup, Columbus OH",
          "Frictionless, ECI 05"
        ]
      ]
    },
    "spend_profile_12_months": {
      "authorizations": 612,
      "card_present_share_pct": 71,
      "countries": [
        "US"
      ],
      "largest_purchase_usd": 486.2,
      "electronics_purchases": "2 in 12 months, both in store with Apple Pay: $54.10 (2026-01) and $129.99 (2026-07)",
      "card_not_present_merchants": "Amazon, Chewy, streaming and phone subscriptions, food delivery, Southwest, Etsy, Ulta, Kohl's"
    },
    "history_summary": {
      "window": "2026-07-05 to 2026-10-03T22:08Z",
      "authorization_requests": 158,
      "approved_purchases": 150,
      "approved_purchase_total_usd": 9292.79,
      "card_present_share_pct": 78,
      "median_purchase_usd": 50.28,
      "p95_purchase_usd": 140.68,
      "largest_purchase_usd": 486.2,
      "declines": {
        "05 do not honor": 1,
        "N7 CVV2 mismatch": 1,
        "54 expired card (expiration date does not match)": 2
      },
      "refunds": 3,
      "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": {
        "3066": "Southwest Airlines",
        "4111": "Commuter transport",
        "4121": "Taxis and rideshare",
        "4814": "Telecommunication services",
        "4899": "Cable, streaming and pay TV",
        "5200": "Home supply warehouse stores",
        "5310": "Discount stores",
        "5311": "Department stores",
        "5411": "Grocery stores",
        "5542": "Automated fuel dispensers",
        "5651": "Family clothing stores",
        "5712": "Furniture stores",
        "5732": "Electronics stores",
        "5812": "Restaurants",
        "5813": "Bars and taverns",
        "5814": "Fast food",
        "5815": "Digital media: music",
        "5818": "Digital goods: large merchants",
        "5912": "Drug stores",
        "5942": "Book stores (incl. Amazon)",
        "5977": "Cosmetic stores",
        "5994": "News dealers",
        "5995": "Pet shops and pet supplies",
        "5999": "Miscellaneous retail",
        "7011": "Hotels and lodging",
        "7991": "Tourist attractions",
        "7997": "Clubs and gyms",
        "8398": "Charitable organizations",
        "0742": "Veterinary services"
      }
    },
    "authorization_history": {
      "columns": [
        "ts",
        "merchant",
        "mcc",
        "country",
        "amount_usd",
        "entry",
        "checks",
        "response",
        "note"
      ],
      "rows": [
        [
          "2026-07-05T11:24:39Z",
          "STARBUCKS STORE 08812 COLUMBUS OH",
          "5814",
          "US",
          9.52,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-05T23:34:26Z",
          "SQ *NORTHSTAR NOODLE BAR COLUMBUS OH",
          "5812",
          "US",
          72.97,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-06T17:06:06Z",
          "PANERA BREAD #601127 COLUMBUS OH",
          "5814",
          "US",
          15.39,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-08T18:33:49Z",
          "SHELL OIL 57444012 COLUMBUS OH",
          "5542",
          "US",
          175,
          "05 chip",
          "",
          "00 approved",
          "Pump pre-authorization; completed 37.64"
        ],
        [
          "2026-07-09T11:46:53Z",
          "STARBUCKS STORE 08812 COLUMBUS OH",
          "5814",
          "US",
          4.35,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-09T14:30:44Z",
          "CHEWY.COM DANIA BEACH FL",
          "5995",
          "US",
          58.97,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-10T16:03:50Z",
          "PANERA BREAD #601127 COLUMBUS OH",
          "5814",
          "US",
          15.54,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-10T22:43:18Z",
          "AMAZON.COM*X69LKTYYY AMZN.COM/BILL WA",
          "5942",
          "US",
          32.59,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-11T00:36:31Z",
          "SQ *NORTHSTAR NOODLE BAR COLUMBUS OH",
          "5812",
          "US",
          58.64,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-11T14:22:44Z",
          "TRADER JOE'S #679 COLUMBUS OH",
          "5411",
          "US",
          135.69,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-11T18:38:41Z",
          "MARSHALLS #0812 COLUMBUS OH",
          "5651",
          "US",
          50.28,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-11T23:51:22Z",
          "TST* OLD NORTH PIZZA HOUSE COLUMBUS OH",
          "5812",
          "US",
          82.59,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-12T08:06:48Z",
          "NETFLIX.COM LOS GATOS CA",
          "4899",
          "US",
          17.99,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-12T17:14:47Z",
          "PANERA BREAD #601127 COLUMBUS OH",
          "5814",
          "US",
          19.63,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-14T21:03:32Z",
          "KROGER #0547 COLUMBUS OH",
          "5411",
          "US",
          103.18,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-14T23:26:38Z",
          "TARGET 00018721 COLUMBUS OH",
          "5310",
          "US",
          56.55,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-15T12:50:40Z",
          "TST* HIGH STREET BEAN CO COLUMBUS OH",
          "5814",
          "US",
          8.6,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-15T16:57:34Z",
          "KROGER FUEL CTR #547 COLUMBUS OH",
          "5542",
          "US",
          1,
          "05 chip",
          "",
          "00 approved",
          "Pump pre-authorization; completed 29.93"
        ],
        [
          "2026-07-15T19:47:51Z",
          "CVS/PHARMACY #05123 COLUMBUS OH",
          "5912",
          "US",
          69.48,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-17T10:18:33Z",
          "PLANET FITNESS CLUB FEES COLUMBUS OH",
          "7997",
          "US",
          24.99,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-17T23:13:32Z",
          "TST* MARIGOLD KITCHEN COLUMBUS OH",
          "5812",
          "US",
          54.97,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-18T21:54:41Z",
          "TST* BRICKYARD TAVERN WORTHINGTON OH",
          "5813",
          "US",
          82.32,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-19T00:36:12Z",
          "SOUTHWEST AIRLINES DALLAS TX",
          "3066",
          "US",
          286.4,
          "81 keyed e-commerce",
          "ECI 05; AVS Y; CVV2 M",
          "00 approved",
          "Clearing itinerary: CMH-MDW 14 Aug, MDW-CMH 16 Aug; 1 passenger, VARGA/MELISSA"
        ],
        [
          "2026-07-19T19:53:41Z",
          "KOHL'S #0456 COLUMBUS OH",
          "5311",
          "US",
          140.68,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-20T13:40:34Z",
          "TST* HIGH STREET BEAN CO COLUMBUS OH",
          "5814",
          "US",
          8.55,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-21T11:09:34Z",
          "TST* HIGH STREET BEAN CO COLUMBUS OH",
          "5814",
          "US",
          7.13,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-22T07:24:03Z",
          "VERIZON WIRELESS PAYMENTS",
          "4814",
          "US",
          138.47,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-22T13:51:20Z",
          "GIANT EAGLE #6512 COLUMBUS OH",
          "5411",
          "US",
          130.45,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-22T19:09:20Z",
          "AMAZON.COM*H39OFNGAW AMZN.COM/BILL WA",
          "5942",
          "US",
          93.2,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-24T13:19:41Z",
          "STARBUCKS STORE 08812 COLUMBUS OH",
          "5814",
          "US",
          10.66,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-24T16:27:25Z",
          "SHELL OIL 57444012 COLUMBUS OH",
          "5542",
          "US",
          175,
          "05 chip",
          "",
          "00 approved",
          "Pump pre-authorization; completed 54.68"
        ],
        [
          "2026-07-25T19:21:30Z",
          "KROGER #0547 COLUMBUS OH",
          "5411",
          "US",
          134.43,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-26T09:12:23Z",
          "APPLE.COM/BILL CUPERTINO CA",
          "5818",
          "US",
          2.99,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-26T17:48:03Z",
          "AMAZON.COM*X69LKTYYY AMZN.COM/BILL WA",
          "5942",
          "US",
          -16.1,
          "10 card on file",
          "",
          "00 refund approved",
          "Refund, purchase of 2026-07-10"
        ],
        [
          "2026-07-26T18:22:05Z",
          "BEST BUY 00001875 COLUMBUS OH",
          "5732",
          "US",
          129.99,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-26T18:55:01Z",
          "KROGER #0547 COLUMBUS OH",
          "5411",
          "US",
          147,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-27T15:32:18Z",
          "SQ *LINDEN TACO CO COLUMBUS OH",
          "5812",
          "US",
          12.72,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-30T16:27:00Z",
          "PANERA BREAD #601127 COLUMBUS OH",
          "5814",
          "US",
          10.83,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-31T17:06:23Z",
          "SHELL OIL 57444012 COLUMBUS OH",
          "5542",
          "US",
          175,
          "05 chip",
          "",
          "00 approved",
          "Pump pre-authorization; completed 46.16"
        ],
        [
          "2026-08-01T15:02:37Z",
          "GIANT EAGLE #6512 COLUMBUS OH",
          "5411",
          "US",
          121.4,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-02T19:12:42Z",
          "KROGER #0547 COLUMBUS OH",
          "5411",
          "US",
          132.41,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-03T01:04:40Z",
          "ETSY.COM BROOKLYN NY",
          "5999",
          "US",
          46.8,
          "81 keyed e-commerce",
          "ECI 05; AVS Y; CVV2 M",
          "00 approved",
          ""
        ],
        [
          "2026-08-03T13:12:22Z",
          "SPOTIFY USA NEW YORK NY",
          "5815",
          "US",
          11.99,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-03T17:05:58Z",
          "KOHL'S #0456 COLUMBUS OH",
          "5311",
          "US",
          68.84,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-04T21:59:28Z",
          "KROGER #0547 COLUMBUS OH",
          "5411",
          "US",
          131.27,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-05T19:20:38Z",
          "KROGER FUEL CTR #547 COLUMBUS OH",
          "5542",
          "US",
          1,
          "05 chip",
          "",
          "00 approved",
          "Pump pre-authorization; completed 30.36"
        ],
        [
          "2026-08-06T14:30:14Z",
          "CHEWY.COM DANIA BEACH FL",
          "5995",
          "US",
          58.97,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-06T16:42:48Z",
          "AMZN MKTP US*QW8JBANWB AMZN.COM/BILL WA",
          "5942",
          "US",
          42.53,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-06T22:07:42Z",
          "UBER *EATS HELP.UBER.COM CA",
          "5812",
          "US",
          43.8,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-06T23:51:09Z",
          "TST* OLD NORTH PIZZA HOUSE COLUMBUS OH",
          "5812",
          "US",
          78.07,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-07T19:16:25Z",
          "KROGER #0547 COLUMBUS OH",
          "5411",
          "US",
          98.22,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-07T23:55:10Z",
          "TST* OLD NORTH PIZZA HOUSE COLUMBUS OH",
          "5812",
          "US",
          102.07,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-08T21:48:16Z",
          "KROGER #0547 COLUMBUS OH",
          "5411",
          "US",
          84.27,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-08T22:13:41Z",
          "TST* MARIGOLD KITCHEN COLUMBUS OH",
          "5812",
          "US",
          38.62,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-09T15:25:44Z",
          "PETSMART #0412 COLUMBUS OH",
          "5995",
          "US",
          57.42,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-09T17:29:44Z",
          "TRADER JOE'S #679 COLUMBUS OH",
          "5411",
          "US",
          121.5,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-10T16:26:50Z",
          "CHIPOTLE 2271 COLUMBUS OH",
          "5814",
          "US",
          16.33,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-12T08:06:46Z",
          "NETFLIX.COM LOS GATOS CA",
          "4899",
          "US",
          17.99,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-12T11:25:59Z",
          "SHELL OIL 57444012 COLUMBUS OH",
          "5542",
          "US",
          175,
          "05 chip",
          "",
          "00 approved",
          "Pump pre-authorization; completed 61.35"
        ],
        [
          "2026-08-12T13:33:52Z",
          "STARBUCKS STORE 08812 COLUMBUS OH",
          "5814",
          "US",
          6.47,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-13T22:39:19Z",
          "SQ *NORTHSTAR NOODLE BAR COLUMBUS OH",
          "5812",
          "US",
          78.02,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-14T12:02:51Z",
          "HUDSON ST1408 CMH COLUMBUS OH",
          "5994",
          "US",
          14.27,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-14T16:40:09Z",
          "UBER *TRIP HELP.UBER.COM CA",
          "4121",
          "US",
          31.62,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-14T20:12:33Z",
          "HYATT REGENCY CHICAGO CHICAGO IL",
          "7011",
          "US",
          300,
          "05 chip",
          "",
          "00 approved",
          "Check-in hold; reversed 2026-08-16"
        ],
        [
          "2026-08-15T00:48:02Z",
          "TST* LAKEVIEW SUPPER CLUB CHICAGO IL",
          "5812",
          "US",
          92.18,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-15T15:31:17Z",
          "CTA VENTRA CHICAGO IL",
          "4111",
          "US",
          5,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-15T17:55:40Z",
          "ART INSTITUTE OF CHICAGO CHICAGO IL",
          "7991",
          "US",
          64,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-15T23:07:26Z",
          "SQ *RANDOLPH ST SMOKEHOUSE CHICAGO IL",
          "5812",
          "US",
          71.4,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-16T15:02:11Z",
          "HYATT REGENCY CHICAGO CHICAGO IL",
          "7011",
          "US",
          461.38,
          "10 card on file",
          "",
          "00 approved",
          "Folio at check-out"
        ],
        [
          "2026-08-16T15:02:13Z",
          "HYATT REGENCY CHICAGO CHICAGO IL",
          "7011",
          "US",
          -300,
          "05 chip",
          "",
          "00 reversal",
          "Reversal of check-in hold"
        ],
        [
          "2026-08-16T16:18:44Z",
          "UBER *TRIP HELP.UBER.COM CA",
          "4121",
          "US",
          28.95,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-16T18:41:02Z",
          "HUDSON ST2207 MDW CHICAGO IL",
          "5994",
          "US",
          9.84,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-17T10:18:25Z",
          "PLANET FITNESS CLUB FEES COLUMBUS OH",
          "7997",
          "US",
          24.99,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-17T20:50:25Z",
          "TRADER JOE'S #679 COLUMBUS OH",
          "5411",
          "US",
          159.62,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-18T17:42:29Z",
          "PANERA BREAD #601127 COLUMBUS OH",
          "5814",
          "US",
          13.18,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-18T19:44:03Z",
          "KOHL'S #0456 COLUMBUS OH",
          "5311",
          "US",
          18.16,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-19T23:24:59Z",
          "GIANT EAGLE #6512 COLUMBUS OH",
          "5411",
          "US",
          91.89,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-20T12:18:20Z",
          "STARBUCKS STORE 08812 COLUMBUS OH",
          "5814",
          "US",
          4.93,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-21T00:04:03Z",
          "TST* OLD NORTH PIZZA HOUSE COLUMBUS OH",
          "5812",
          "US",
          132.18,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-21T11:31:59Z",
          "STARBUCKS STORE 08812 COLUMBUS OH",
          "5814",
          "US",
          10.25,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-21T17:18:16Z",
          "KROGER FUEL CTR #547 COLUMBUS OH",
          "5542",
          "US",
          1,
          "05 chip",
          "",
          "00 approved",
          "Pump pre-authorization; completed 36.74"
        ],
        [
          "2026-08-21T22:29:50Z",
          "VALUE CITY FURNITURE #112 COLUMBUS OH",
          "5712",
          "US",
          486.2,
          "05 chip",
          "",
          "05 do not honor",
          "Rule R-207 (first furniture purchase over $400); text alert sent, cardholder replied YES at 22:33:06Z"
        ],
        [
          "2026-08-21T22:34:31Z",
          "VALUE CITY FURNITURE #112 COLUMBUS OH",
          "5712",
          "US",
          486.2,
          "05 chip",
          "",
          "00 approved",
          "Retry after the cardholder confirmed by text"
        ],
        [
          "2026-08-22T07:24:01Z",
          "VERIZON WIRELESS PAYMENTS",
          "4814",
          "US",
          138.47,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-22T20:44:33Z",
          "KROGER #0547 COLUMBUS OH",
          "5411",
          "US",
          79.42,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-22T23:01:25Z",
          "TST* MARIGOLD KITCHEN COLUMBUS OH",
          "5812",
          "US",
          54.49,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-23T22:52:28Z",
          "SQ *NORTHSTAR NOODLE BAR COLUMBUS OH",
          "5812",
          "US",
          84.17,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-26T09:12:55Z",
          "APPLE.COM/BILL CUPERTINO CA",
          "5818",
          "US",
          2.99,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-27T21:14:08Z",
          "NORTH HIGH VETERINARY CLINIC COLUMBUS OH",
          "0742",
          "US",
          312.4,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-28T14:02:55Z",
          "SPEEDWAY 09412 COLUMBUS OH",
          "5542",
          "US",
          175,
          "05 chip",
          "",
          "00 approved",
          "Pump pre-authorization; completed 35.55"
        ],
        [
          "2026-08-30T00:01:03Z",
          "SQ *NORTHSTAR NOODLE BAR COLUMBUS OH",
          "5812",
          "US",
          78.47,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-30T12:49:41Z",
          "TST* HIGH STREET BEAN CO COLUMBUS OH",
          "5814",
          "US",
          10.69,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-30T18:43:12Z",
          "TARGET 00018721 COLUMBUS OH",
          "5310",
          "US",
          79.48,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-30T23:19:47Z",
          "TST* MARIGOLD KITCHEN COLUMBUS OH",
          "5812",
          "US",
          91.91,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-31T15:39:24Z",
          "TARGET 00018721 COLUMBUS OH",
          "5310",
          "US",
          86.13,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-01T12:48:14Z",
          "STARBUCKS STORE 08812 COLUMBUS OH",
          "5814",
          "US",
          6.04,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-02T16:47:37Z",
          "CHIPOTLE 2271 COLUMBUS OH",
          "5814",
          "US",
          12.59,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-03T13:12:42Z",
          "SPOTIFY USA NEW YORK NY",
          "5815",
          "US",
          11.99,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-03T13:54:06Z",
          "KROGER FUEL CTR #547 COLUMBUS OH",
          "5542",
          "US",
          1,
          "05 chip",
          "",
          "00 approved",
          "Pump pre-authorization; completed 45.47"
        ],
        [
          "2026-09-03T14:30:01Z",
          "CHEWY.COM DANIA BEACH FL",
          "5995",
          "US",
          58.97,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-05T11:52:32Z",
          "STARBUCKS STORE 08812 COLUMBUS OH",
          "5814",
          "US",
          6.23,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-05T18:06:59Z",
          "THE HOME DEPOT #3812 COLUMBUS OH",
          "5200",
          "US",
          47.57,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-05T18:47:04Z",
          "KROGER #0547 COLUMBUS OH",
          "5411",
          "US",
          63.67,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-05T23:53:45Z",
          "SQ *NORTHSTAR NOODLE BAR COLUMBUS OH",
          "5812",
          "US",
          68.11,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-06T03:05:12Z",
          "AMZN MKTP US*JFCS44OL3 AMZN.COM/BILL WA",
          "5942",
          "US",
          50,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-06T17:51:50Z",
          "THE HOME DEPOT #3812 COLUMBUS OH",
          "5200",
          "US",
          116.56,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-06T21:38:22Z",
          "GIANT EAGLE #6512 COLUMBUS OH",
          "5411",
          "US",
          24.47,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-07T16:16:08Z",
          "PANERA BREAD #601127 COLUMBUS OH",
          "5814",
          "US",
          13.2,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-07T16:28:44Z",
          "TRADER JOE'S #679 COLUMBUS OH",
          "5411",
          "US",
          161.26,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-08T12:25:37Z",
          "STARBUCKS STORE 08812 COLUMBUS OH",
          "5814",
          "US",
          6.5,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-09T00:38:02Z",
          "ULTA.COM BOLINGBROOK IL",
          "5977",
          "US",
          72.14,
          "81 keyed e-commerce",
          "ECI 05; AVS Y; CVV2 N",
          "N7 CVV2 mismatch",
          ""
        ],
        [
          "2026-09-09T00:41:19Z",
          "ULTA.COM BOLINGBROOK IL",
          "5977",
          "US",
          72.14,
          "81 keyed e-commerce",
          "ECI 05; AVS Y; CVV2 M",
          "00 approved",
          ""
        ],
        [
          "2026-09-09T12:28:55Z",
          "TST* HIGH STREET BEAN CO COLUMBUS OH",
          "5814",
          "US",
          4.79,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-09T14:37:39Z",
          "KROGER #0547 COLUMBUS OH",
          "5411",
          "US",
          107.94,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-10T17:09:22Z",
          "CHIPOTLE 2271 COLUMBUS OH",
          "5814",
          "US",
          15,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-10T18:05:21Z",
          "KROGER FUEL CTR #547 COLUMBUS OH",
          "5542",
          "US",
          1,
          "05 chip",
          "",
          "00 approved",
          "Pump pre-authorization; completed 31.36"
        ],
        [
          "2026-09-11T13:20:34Z",
          "STARBUCKS STORE 08812 COLUMBUS OH",
          "5814",
          "US",
          8.59,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-12T08:06:45Z",
          "NETFLIX.COM LOS GATOS CA",
          "4899",
          "US",
          17.99,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-12T23:07:52Z",
          "TRADER JOE'S #679 COLUMBUS OH",
          "5411",
          "US",
          54.67,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-13T00:02:23Z",
          "TST* OLD NORTH PIZZA HOUSE COLUMBUS OH",
          "5812",
          "US",
          71.34,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-13T22:54:17Z",
          "SQ *NORTHSTAR NOODLE BAR COLUMBUS OH",
          "5812",
          "US",
          81.2,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-14T12:48:55Z",
          "TST* HIGH STREET BEAN CO COLUMBUS OH",
          "5814",
          "US",
          8.84,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-14T18:11:38Z",
          "GIANT EAGLE #6512 COLUMBUS OH",
          "5411",
          "US",
          117.04,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-16T16:38:06Z",
          "CHIPOTLE 2271 COLUMBUS OH",
          "5814",
          "US",
          17.92,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-17T10:18:53Z",
          "PLANET FITNESS CLUB FEES COLUMBUS OH",
          "7997",
          "US",
          24.99,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-17T11:52:44Z",
          "SHELL OIL 57444012 COLUMBUS OH",
          "5542",
          "US",
          175,
          "05 chip",
          "",
          "00 approved",
          "Pump pre-authorization; completed 40.91"
        ],
        [
          "2026-09-17T11:59:52Z",
          "TST* HIGH STREET BEAN CO COLUMBUS OH",
          "5814",
          "US",
          5.82,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-17T16:54:22Z",
          "CHIPOTLE 2271 COLUMBUS OH",
          "5814",
          "US",
          12.53,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-18T18:03:29Z",
          "KROGER #0547 COLUMBUS OH",
          "5411",
          "US",
          52.97,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-20T20:23:33Z",
          "CVS/PHARMACY #05123 COLUMBUS OH",
          "5912",
          "US",
          136.04,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-21T11:15:31Z",
          "STARBUCKS STORE 08812 COLUMBUS OH",
          "5814",
          "US",
          5.37,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-21T20:03:28Z",
          "KROGER #0547 COLUMBUS OH",
          "5411",
          "US",
          82.35,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-22T07:24:26Z",
          "VERIZON WIRELESS PAYMENTS",
          "4814",
          "US",
          138.47,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-23T12:54:01Z",
          "TST* HIGH STREET BEAN CO COLUMBUS OH",
          "5814",
          "US",
          7.48,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-23T21:25:03Z",
          "AMAZON.COM*L9H0IOJE1 AMZN.COM/BILL WA",
          "5942",
          "US",
          92.05,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-24T13:15:55Z",
          "TST* HIGH STREET BEAN CO COLUMBUS OH",
          "5814",
          "US",
          9.82,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-25T11:56:18Z",
          "STARBUCKS STORE 08812 COLUMBUS OH",
          "5814",
          "US",
          10.92,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-25T23:06:21Z",
          "TST* OLD NORTH PIZZA HOUSE COLUMBUS OH",
          "5812",
          "US",
          56.74,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-26T09:12:54Z",
          "APPLE.COM/BILL CUPERTINO CA",
          "5818",
          "US",
          2.99,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-26T13:18:19Z",
          "SHELL OIL 57444012 COLUMBUS OH",
          "5542",
          "US",
          175,
          "05 chip",
          "",
          "00 approved",
          "Pump pre-authorization; completed 52.66"
        ],
        [
          "2026-09-26T20:25:25Z",
          "KROGER #0547 COLUMBUS OH",
          "5411",
          "US",
          58.55,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-27T17:02:45Z",
          "KOHLS.COM MENOMONEE FALLS WI",
          "5311",
          "US",
          63.98,
          "81 keyed e-commerce",
          "ECI 05; AVS Y; CVV2 M",
          "00 approved",
          ""
        ],
        [
          "2026-09-27T18:50:11Z",
          "TARGET 00018721 COLUMBUS OH",
          "5310",
          "US",
          60.46,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-29T21:51:10Z",
          "KOHL'S #0456 COLUMBUS OH",
          "5311",
          "US",
          -42,
          "05 chip",
          "",
          "00 refund approved",
          "In-store return, KOHLS.COM order of 2026-09-27"
        ],
        [
          "2026-09-30T12:28:43Z",
          "STARBUCKS STORE 08812 COLUMBUS OH",
          "5814",
          "US",
          7.64,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-30T22:45:48Z",
          "TST* MARIGOLD KITCHEN COLUMBUS OH",
          "5812",
          "US",
          83.69,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-10-01T11:38:16Z",
          "STARBUCKS STORE 08812 COLUMBUS OH",
          "5814",
          "US",
          7.38,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-10-01T14:30:45Z",
          "CHEWY.COM DANIA BEACH FL",
          "5995",
          "US",
          58.97,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-10-01T15:41:49Z",
          "CHICK-FIL-A #03016 COLUMBUS OH",
          "5814",
          "US",
          15.22,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-10-02T18:30:30Z",
          "TRADER JOE'S #679 COLUMBUS OH",
          "5411",
          "US",
          54.81,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-10-03T13:12:21Z",
          "SPOTIFY USA NEW YORK NY",
          "5815",
          "US",
          11.99,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-10-03T13:12:44Z",
          "KROGER #0547 COLUMBUS OH",
          "5411",
          "US",
          86.42,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-10-03T15:03:18Z",
          "TST* HIGH STREET BEAN CO COLUMBUS OH",
          "5814",
          "US",
          6.85,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-10-03T17:55:10Z",
          "SHELL OIL 57444012 COLUMBUS OH",
          "5542",
          "US",
          175,
          "05 chip",
          "",
          "00 approved",
          "Pump pre-authorization; completed 48.30"
        ],
        [
          "2026-10-03T19:20:37Z",
          "PETSMART #0412 COLUMBUS OH",
          "5995",
          "US",
          38.17,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-10-03T21:47:09Z",
          "GIVE*LANTERN HILL MISSION 614-555-0193 OH",
          "8398",
          "US",
          1,
          "81 keyed e-commerce",
          "ECI 07; AVS not sent; CVV2 not provided",
          "54 expired card (expiration date does not match)",
          ""
        ],
        [
          "2026-10-03T21:47:16Z",
          "GIVE*LANTERN HILL MISSION 614-555-0193 OH",
          "8398",
          "US",
          1,
          "81 keyed e-commerce",
          "ECI 07; AVS not sent; CVV2 not provided",
          "54 expired card (expiration date does not match)",
          ""
        ],
        [
          "2026-10-03T21:47:22Z",
          "GIVE*LANTERN HILL MISSION 614-555-0193 OH",
          "8398",
          "US",
          1,
          "81 keyed e-commerce",
          "ECI 07; AVS not sent; CVV2 not provided",
          "00 approved",
          ""
        ]
      ]
    },
    "merchant_activity_on_our_cards": {
      "GIVE*LANTERN HILL MISSION": {
        "what_it_is": "Donation page of a small charity, through a payment facilitator; MCC 8398",
        "first_seen_on_our_cards": "2025-11-02",
        "usual_volume": "About 3 authorizations a day on our cards, $10 to $100",
        "window": "2026-10-03T21:00:00Z to 22:08:00Z",
        "authorization_attempts": 1840,
        "distinct_card_numbers": 1712,
        "amounts": "All $1.00",
        "approved": 110,
        "declines": {
          "14 invalid card number": 1018,
          "54 expiration date does not match": 545,
          "05 do not honor": 167
        },
        "entry": "All keyed e-commerce, ECI 07, no AVS data, no CVV2",
        "pattern": "Card numbers on this card's BIN in runs that differ only in the last 4 to 6 digits, 2 to 8 seconds apart; many numbers tried with 2 or 3 expiration dates before an approval",
        "approved_cards_seen_since": "23 of the 110 approved card numbers have had card-not-present attempts at other merchants since 21:30Z, 16 of them at ARDENTCIRCUIT.COM"
      },
      "ARDENTCIRCUIT.COM": {
        "what_it_is": "Ardent Circuit Supply, online electronics retailer; MCC 5732",
        "first_seen_on_our_cards": "2021-08-14",
        "last_30_days": {
          "authorizations": 412,
          "approved_pct": 93,
          "median_amount_usd": 189.99
        },
        "confirmed_fraud_90_days": "0.6% of approved dollars (our e-commerce average is 0.4%)",
        "three_d_secure": "Requests 3-D Secure on about 30% of our cards' purchases",
        "last_60_minutes": "19 keyed authorizations on our cards (usually 1 to 3 an hour), $599.99 to $899.99; 16 on cards with a $1.00 approval at GIVE*LANTERN HILL MISSION since 21:00Z; none with 3-D Secure; 15 with AVS no match; 11 approved, 8 declined"
      }
    },
    "authorization_under_review": {
      "ts": "2026-10-03T22:08:31Z",
      "merchant": "ARDENTCIRCUIT.COM 888-555-0142 NJ",
      "merchant_category": "5732 Electronics stores",
      "merchant_country": "US",
      "amount_usd": 749.99,
      "transaction": "Purchase",
      "channel": "E-commerce",
      "entry": "81 keyed e-commerce: card number typed at checkout (not a stored credential or wallet token)",
      "expiration_date": "Matches",
      "eci": "07 (e-commerce, not authenticated)",
      "three_d_secure": "No authentication request from the merchant for this purchase",
      "avs": "N: no match on street address or ZIP",
      "cvv2": "Not provided by the merchant",
      "first_purchase_at_merchant": true,
      "available_credit_after_usd": 8590.19,
      "scores": {
        "network_risk_score": "41 (1 to 99, higher is riskier)",
        "our_fraud_model": "538 (0 to 999; our strategy steps up at 700 and declines at 850)",
        "our_model_reasons": [
          "Keyed card-not-present entry",
          "First purchase at merchant",
          "Amount above the card's 95th percentile"
        ]
      },
      "rules_fired": "None"
    }
  },
  "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"
      }
    }
  }
}