{
  "model": "grayson-1",
  "state": {
    "cardholder": {
      "account_id": "acct_40862",
      "name_on_card": "ELENA R MARSH",
      "product": "Visa Signature travel rewards credit card (no foreign transaction fee)",
      "card": "x4418, chip and contactless, no PIN set, issued 2024-09-12 (reissue at expiry), expires 2028-09",
      "account_open_since": "2017-09-22",
      "billing_address": "Somerville, MA 02144, unchanged since 2020-06",
      "phone_on_file": "(617) 555-0172, mobile, unchanged since 2017",
      "email_on_file": "elena.marsh@example.com, unchanged since 2017",
      "credit_limit_usd": 18000,
      "current_balance_usd": 3412.66,
      "available_credit_usd": 14587.34,
      "payments": "Autopay of the full statement balance from an external checking account; never late",
      "alerts": "Enrolled in two-way text alerts since 2020-03-11",
      "travel_notice": "None (optional in our app)",
      "card_status": "Active; no lost or stolen report, no block"
    },
    "devices": [
      {
        "device": "iPhone 15, our banking app",
        "first_seen": "2023-10-01",
        "last_seen": "2026-10-04T09:31:07Z",
        "note": "Apple Pay token for this card (x8830) provisioned on it 2023-10-01, active; app location sharing off"
      },
      {
        "device": "MacBook, Safari",
        "first_seen": "2021-03-14",
        "last_seen": "2026-09-25T01:40:11Z",
        "note": "Seen in 3-D Secure and web banking from the cardholder's home connection"
      },
      {
        "device": "Windows PC, Edge",
        "first_seen": "2026-09-21",
        "last_seen": "2026-09-21T14:05:52Z",
        "note": "One web banking login; passed a one-time code to the phone on file"
      }
    ],
    "account_events_90_days": {
      "columns": [
        "ts",
        "event",
        "detail"
      ],
      "rows": [
        [
          "2026-06-25T09:00:00Z",
          "Payment",
          "Autopay 2,906.12"
        ],
        [
          "2026-07-25T09:00:00Z",
          "Payment",
          "Autopay 3,388.40"
        ],
        [
          "2026-08-25T09:00:00Z",
          "Payment",
          "Autopay 4,212.57"
        ],
        [
          "2026-09-21T14:05:52Z",
          "Web banking login, new device",
          "Windows PC, Edge; IP 203.0.113.18, corporate network, Cambridge MA; one-time code to the phone on file passed; viewed statements"
        ],
        [
          "2026-09-25T09:00:00Z",
          "Payment",
          "Autopay 2,741.09"
        ],
        [
          "2026-10-03T19:02:44Z",
          "Banking app login",
          "iPhone 15, mobile carrier, Boston MA; viewed balance"
        ],
        [
          "2026-10-04T09:31:07Z",
          "Banking app login",
          "iPhone 15; IP 192.0.2.144, Portuguese ISP, Lisbon (hotel or public Wi-Fi); viewed recent transactions and rewards"
        ]
      ],
      "logins": "Banking app: 96 logins in 90 days, all from the iPhone 15. Web: 6 from the MacBook, 1 from the Windows PC above. 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": [
        [
          "2026-07-11T00:02:20Z",
          "BOOKSHOP.ORG",
          41.52,
          "MacBook, Safari",
          "198.51.100.77, residential fiber ISP, Somerville MA",
          "Billing address",
          "Frictionless, ECI 05"
        ],
        [
          "2026-07-30T01:12:02Z",
          "TAP AIR PORTUGAL",
          1186.4,
          "MacBook, Safari",
          "198.51.100.77, residential fiber ISP, Somerville MA",
          "n/a",
          "Challenge: approved in our banking app on the iPhone 15, ECI 05"
        ],
        [
          "2026-08-03T23:47:40Z",
          "HOTEL MIRADOURO DA GRACA",
          214.27,
          "MacBook, Safari",
          "198.51.100.77, residential fiber ISP, Somerville MA",
          "n/a",
          "Frictionless, ECI 05"
        ],
        [
          "2026-09-02T16:30:51Z",
          "UNIQLO USA ONLINE",
          118.6,
          "iPhone 15, Safari",
          "Mobile carrier, Boston MA",
          "Billing address",
          "Frictionless, ECI 05"
        ],
        [
          "2026-09-25T01:39:58Z",
          "REI.COM",
          164.89,
          "MacBook, Safari",
          "198.51.100.77, residential fiber ISP, Somerville MA",
          "Billing address",
          "Frictionless, ECI 05"
        ]
      ]
    },
    "spend_profile_12_months": {
      "authorizations": 1034,
      "card_present_share_pct": 74,
      "card_present_countries": [
        "US"
      ],
      "card_not_present_merchant_countries": [
        "US",
        "PT",
        "NL"
      ],
      "largest_purchase_usd": 1186.4,
      "travel": "Domestic trips by Zipcar and air (Portland ME 2026-07, Chicago 2026-02); no card-present use outside the US"
    },
    "history_summary": {
      "window": "2026-06-16 to 2026-10-04T11:42Z",
      "authorization_requests": 265,
      "approved_purchases": 260,
      "approved_purchase_total_usd": 9990.65,
      "card_present_share_pct": 80,
      "median_purchase_usd": 13.09,
      "p95_purchase_usd": 139,
      "largest_purchase_usd": 1186.4,
      "declines": {
        "N7 CVV2 mismatch": 1
      },
      "refunds": 2,
      "merchant_countries": [
        "NL",
        "PT",
        "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": {
        "4111": "Commuter transport",
        "4121": "Taxis and rideshare",
        "4511": "Airlines",
        "4814": "Telecommunication services",
        "4899": "Cable, streaming and pay TV",
        "5310": "Discount stores",
        "5411": "Grocery stores",
        "5541": "Service stations",
        "5651": "Family clothing stores",
        "5812": "Restaurants",
        "5813": "Bars and taverns",
        "5814": "Fast food",
        "5815": "Digital media: music",
        "5818": "Digital goods: large merchants",
        "5912": "Drug stores",
        "5941": "Sporting goods",
        "5942": "Book stores (incl. Amazon)",
        "5968": "Subscription merchants",
        "5994": "News dealers",
        "7011": "Hotels and lodging",
        "7512": "Car rental",
        "7997": "Clubs and gyms"
      }
    },
    "authorization_history": {
      "columns": [
        "ts",
        "merchant",
        "mcc",
        "country",
        "amount_usd",
        "entry",
        "checks",
        "response",
        "note"
      ],
      "rows": [
        [
          "2026-06-16T12:07:23Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          2.4,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-06-16T13:34:28Z",
          "TST* KENDALL COMMON CAFE CAMBRIDGE MA",
          "5814",
          "US",
          7.9,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-06-16T17:21:05Z",
          "CAVA KENDALL SQ CAMBRIDGE MA",
          "5814",
          "US",
          14.6,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-06-17T13:30:16Z",
          "TST* UNION SQ ROASTERY SOMERVILLE MA",
          "5814",
          "US",
          9.08,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-06-17T22:30:07Z",
          "CVS/PHARMACY #00412 SOMERVILLE MA",
          "5912",
          "US",
          43.49,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-06-18T11:40:56Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          2.4,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-06-18T12:16:55Z",
          "DUNKIN #345123 SOMERVILLE MA",
          "5814",
          "US",
          4.2,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-06-18T16:07:24Z",
          "CAVA KENDALL SQ CAMBRIDGE MA",
          "5814",
          "US",
          16.48,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-06-19T11:35:09Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          4.8,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-06-19T13:09:50Z",
          "DUNKIN #345123 SOMERVILLE MA",
          "5814",
          "US",
          7.02,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-06-19T17:45:29Z",
          "SQ *BINNEY ST DUMPLINGS CAMBRIDGE MA",
          "5812",
          "US",
          21.12,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-06-19T18:25:17Z",
          "MARKET BASKET #61 SOMERVILLE MA",
          "5411",
          "US",
          74.21,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-06-20T02:56:03Z",
          "LYFT *RIDE LYFT.COM CA",
          "4121",
          "US",
          22.97,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-06-20T11:15:49Z",
          "TST* UNION SQ ROASTERY SOMERVILLE MA",
          "5814",
          "US",
          10.04,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-06-20T13:06:16Z",
          "SPOTIFY USA NEW YORK NY",
          "5815",
          "US",
          11.99,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-06-20T14:49:03Z",
          "TARGET 00023412 SOMERVILLE MA",
          "5310",
          "US",
          121.76,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-06-21T03:14:23Z",
          "LYFT *RIDE LYFT.COM CA",
          "4121",
          "US",
          18.41,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-06-23T12:26:29Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          7.2,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-06-23T13:32:44Z",
          "TST* KENDALL COMMON CAFE CAMBRIDGE MA",
          "5814",
          "US",
          10.54,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-06-24T12:13:08Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          2.4,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-06-24T17:20:26Z",
          "SWEETGREEN KENDALL SQ CAMBRIDGE MA",
          "5814",
          "US",
          16.88,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-06-25T12:26:50Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          4.8,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-06-25T13:35:53Z",
          "DUNKIN #345123 SOMERVILLE MA",
          "5814",
          "US",
          8.83,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-06-26T11:24:29Z",
          "TST* UNION SQ ROASTERY SOMERVILLE MA",
          "5814",
          "US",
          6.4,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-06-26T12:08:31Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          2.4,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-06-27T12:24:57Z",
          "T-MOBILE*AUTO PAY BELLEVUE WA",
          "4814",
          "US",
          65,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-06-27T12:27:25Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          2.4,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-06-27T17:47:22Z",
          "WHOLE FOODS MKT #10123 CAMBRIDGE MA",
          "5411",
          "US",
          61.4,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-06-28T11:50:25Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          2.4,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-06-28T16:10:59Z",
          "WHOLE FOODS MKT #10123 CAMBRIDGE MA",
          "5411",
          "US",
          51.37,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-06-28T19:32:20Z",
          "ZIPCAR INC BOSTON MA",
          "7512",
          "US",
          73.92,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-06-29T12:34:11Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          2.4,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-06-30T12:02:46Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          4.8,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-06-30T21:22:30Z",
          "TRADER JOE'S #509 CAMBRIDGE MA",
          "5411",
          "US",
          139.07,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-01T11:06:54Z",
          "MINDBODY*NORTHPOINT YOGA SOMERVILLE MA",
          "7997",
          "US",
          139,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-01T11:31:54Z",
          "TST* KENDALL COMMON CAFE CAMBRIDGE MA",
          "5814",
          "US",
          9.22,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-01T12:37:17Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          4.8,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-01T22:03:05Z",
          "TST* LOWER BROADWAY TRATTORIA SOMERVILLE MA",
          "5812",
          "US",
          36.01,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-02T09:36:33Z",
          "APPLE.COM/BILL CUPERTINO CA",
          "5818",
          "US",
          9.99,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-03T11:48:08Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          2.4,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-03T13:13:29Z",
          "TST* UNION SQ ROASTERY SOMERVILLE MA",
          "5814",
          "US",
          7.12,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-04T19:53:32Z",
          "WHOLE FOODS MKT #10123 CAMBRIDGE MA",
          "5411",
          "US",
          81.94,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-05T20:09:45Z",
          "TARGET 00023412 SOMERVILLE MA",
          "5310",
          "US",
          73.8,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-06T11:32:06Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          4.8,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-07T12:27:19Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          4.8,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-08T10:12:11Z",
          "COMCAST XFINITY BOSTON MA",
          "4899",
          "US",
          79.99,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-08T11:45:47Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          4.8,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-09T11:44:08Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          4.8,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-09T15:51:15Z",
          "CAVA KENDALL SQ CAMBRIDGE MA",
          "5814",
          "US",
          14.45,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-09T16:45:41Z",
          "WHOLE FOODS MKT #10123 CAMBRIDGE MA",
          "5411",
          "US",
          139.05,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-10T00:01:08Z",
          "TST* INMAN SQ WINE BAR CAMBRIDGE MA",
          "5813",
          "US",
          78.59,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-10T11:35:34Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          4.8,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-10T12:05:42Z",
          "TST* KENDALL COMMON CAFE CAMBRIDGE MA",
          "5814",
          "US",
          6.46,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-11T00:02:33Z",
          "BOOKSHOP.ORG NEW YORK NY",
          "5942",
          "US",
          41.52,
          "81 keyed e-commerce",
          "ECI 05; AVS Y; CVV2 N",
          "N7 CVV2 mismatch",
          ""
        ],
        [
          "2026-07-11T00:03:58Z",
          "BOOKSHOP.ORG NEW YORK NY",
          "5942",
          "US",
          41.52,
          "81 keyed e-commerce",
          "ECI 05; AVS Y; CVV2 M",
          "00 approved",
          ""
        ],
        [
          "2026-07-11T13:09:02Z",
          "ZIPCAR INC BOSTON MA",
          "7512",
          "US",
          77.44,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-11T15:15:48Z",
          "STAR MARKET #4512 SOMERVILLE MA",
          "5411",
          "US",
          110.31,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-12T12:53:49Z",
          "DUNKIN #345123 SOMERVILLE MA",
          "5814",
          "US",
          10.71,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-12T16:22:37Z",
          "TRADER JOE'S #509 CAMBRIDGE MA",
          "5411",
          "US",
          67.81,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-13T12:43:12Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          4.8,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-13T16:56:12Z",
          "SQ *BINNEY ST DUMPLINGS CAMBRIDGE MA",
          "5812",
          "US",
          15.44,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-14T08:18:40Z",
          "NYTIMES*NYTIMES NEW YORK NY",
          "5968",
          "US",
          25,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-15T12:35:25Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          2.4,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-15T16:13:16Z",
          "SQ *BINNEY ST DUMPLINGS CAMBRIDGE MA",
          "5812",
          "US",
          19.04,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-16T12:03:59Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          4.8,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-16T15:46:34Z",
          "CAVA KENDALL SQ CAMBRIDGE MA",
          "5814",
          "US",
          17.49,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-17T11:46:30Z",
          "TST* KENDALL COMMON CAFE CAMBRIDGE MA",
          "5814",
          "US",
          5.71,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-17T12:17:49Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          4.8,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-17T17:28:06Z",
          "SWEETGREEN KENDALL SQ CAMBRIDGE MA",
          "5814",
          "US",
          12.7,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-17T21:05:31Z",
          "ZIPCAR INC BOSTON MA",
          "7512",
          "US",
          1,
          "10 card on file",
          "",
          "00 approved",
          "Reservation pre-authorization; final charge 2026-07-19"
        ],
        [
          "2026-07-18T00:41:08Z",
          "IRVING OIL 4412 KITTERY ME",
          "5541",
          "US",
          41.06,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-18T02:02:15Z",
          "HARBORVIEW INN PORTLAND ME",
          "7011",
          "US",
          250,
          "05 chip",
          "",
          "00 approved",
          "Check-in hold; reversed 2026-07-19"
        ],
        [
          "2026-07-18T14:14:40Z",
          "TST* COMMERCIAL ST BAGEL CO PORTLAND ME",
          "5814",
          "US",
          18.62,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-18T17:33:03Z",
          "SQ *CASCO BAY LOBSTER SHACK PORTLAND ME",
          "5812",
          "US",
          61.75,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-18T23:26:50Z",
          "TST* FORE STREET FISH HOUSE PORTLAND ME",
          "5812",
          "US",
          128.4,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-19T14:58:12Z",
          "HARBORVIEW INN PORTLAND ME",
          "7011",
          "US",
          412.86,
          "10 card on file",
          "",
          "00 approved",
          "Folio at check-out"
        ],
        [
          "2026-07-19T14:58:14Z",
          "HARBORVIEW INN PORTLAND ME",
          "7011",
          "US",
          -250,
          "05 chip",
          "",
          "00 reversal",
          "Reversal of check-in hold"
        ],
        [
          "2026-07-19T22:47:02Z",
          "ZIPCAR INC BOSTON MA",
          "7512",
          "US",
          214.3,
          "10 card on file",
          "",
          "00 approved",
          "Weekend reservation"
        ],
        [
          "2026-07-20T11:35:51Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          2.4,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-20T13:06:53Z",
          "SPOTIFY USA NEW YORK NY",
          "5815",
          "US",
          11.99,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-20T13:08:29Z",
          "TST* UNION SQ ROASTERY SOMERVILLE MA",
          "5814",
          "US",
          6.83,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-21T12:10:04Z",
          "TST* UNION SQ ROASTERY SOMERVILLE MA",
          "5814",
          "US",
          8.99,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-21T12:25:19Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          7.2,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-21T17:18:14Z",
          "SQ *BINNEY ST DUMPLINGS CAMBRIDGE MA",
          "5812",
          "US",
          15.94,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-22T11:53:07Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          2.4,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-22T17:43:14Z",
          "CAVA KENDALL SQ CAMBRIDGE MA",
          "5814",
          "US",
          18.66,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-23T12:20:14Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          4.8,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-24T17:13:37Z",
          "SWEETGREEN KENDALL SQ CAMBRIDGE MA",
          "5814",
          "US",
          17.42,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-25T00:07:04Z",
          "TST* DAVIS SQ NOODLE HOUSE SOMERVILLE MA",
          "5812",
          "US",
          86.73,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-25T02:53:59Z",
          "LYFT *RIDE LYFT.COM CA",
          "4121",
          "US",
          19.27,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-25T22:32:20Z",
          "MARKET BASKET #61 SOMERVILLE MA",
          "5411",
          "US",
          85.51,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-26T01:27:06Z",
          "TST* INMAN SQ WINE BAR CAMBRIDGE MA",
          "5813",
          "US",
          57.47,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-27T11:45:04Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          2.4,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-27T12:24:12Z",
          "T-MOBILE*AUTO PAY BELLEVUE WA",
          "4814",
          "US",
          65,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-28T12:12:57Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          2.4,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-29T11:35:30Z",
          "TST* KENDALL COMMON CAFE CAMBRIDGE MA",
          "5814",
          "US",
          9.87,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-29T11:49:07Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          2.4,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-29T19:28:48Z",
          "AMZN MKTP US*Y062NY1J0 AMZN.COM/BILL WA",
          "5942",
          "US",
          23.59,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-29T23:18:13Z",
          "TRADER JOE'S #509 CAMBRIDGE MA",
          "5411",
          "US",
          31.12,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-30T01:12:40Z",
          "TAP AIR PORTUGAL LISBOA",
          "4511",
          "PT",
          1186.4,
          "81 keyed e-commerce",
          "ECI 05; AVS Y; CVV2 M",
          "00 approved",
          "Clearing itinerary: BOS-LIS 03 Oct, LIS-BOS 13 Oct; 1 passenger, MARSH/ELENA"
        ],
        [
          "2026-07-30T01:39:46Z",
          "LYFT *RIDE LYFT.COM CA",
          "4121",
          "US",
          17.42,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-30T11:29:14Z",
          "TST* KENDALL COMMON CAFE CAMBRIDGE MA",
          "5814",
          "US",
          9.24,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-31T01:03:36Z",
          "TST* DAVIS SQ NOODLE HOUSE SOMERVILLE MA",
          "5812",
          "US",
          64.43,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-31T02:39:44Z",
          "LYFT *RIDE LYFT.COM CA",
          "4121",
          "US",
          20.66,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-31T12:39:35Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          2.4,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-31T13:48:30Z",
          "TST* UNION SQ ROASTERY SOMERVILLE MA",
          "5814",
          "US",
          6.05,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-07-31T16:13:02Z",
          "SWEETGREEN KENDALL SQ CAMBRIDGE MA",
          "5814",
          "US",
          17.78,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-01T11:06:05Z",
          "MINDBODY*NORTHPOINT YOGA SOMERVILLE MA",
          "7997",
          "US",
          139,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-01T16:43:05Z",
          "STAR MARKET #4512 SOMERVILLE MA",
          "5411",
          "US",
          59.5,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-01T17:08:56Z",
          "ZIPCAR INC BOSTON MA",
          "7512",
          "US",
          71.88,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-02T09:36:57Z",
          "APPLE.COM/BILL CUPERTINO CA",
          "5818",
          "US",
          9.99,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-02T17:54:11Z",
          "TRADER JOE'S #509 CAMBRIDGE MA",
          "5411",
          "US",
          50.32,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-02T22:29:33Z",
          "TST* INMAN SQ WINE BAR CAMBRIDGE MA",
          "5813",
          "US",
          84.05,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-03T11:31:23Z",
          "TST* KENDALL COMMON CAFE CAMBRIDGE MA",
          "5814",
          "US",
          4.42,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-03T12:20:00Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          4.8,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-03T23:48:05Z",
          "HOTEL MIRADOURO DA GRACA LISBOA",
          "7011",
          "PT",
          214.27,
          "81 keyed e-commerce",
          "ECI 05; AVS Y; CVV2 M",
          "00 approved",
          "EUR 186.00; advance deposit"
        ],
        [
          "2026-08-04T12:22:42Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          4.8,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-06T12:16:47Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          2.4,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-06T17:38:43Z",
          "SQ *BINNEY ST DUMPLINGS CAMBRIDGE MA",
          "5812",
          "US",
          13.03,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-07T12:36:49Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          4.8,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-08T10:12:10Z",
          "COMCAST XFINITY BOSTON MA",
          "4899",
          "US",
          79.99,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-08T12:31:49Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          4.8,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-08T13:36:09Z",
          "TST* KENDALL COMMON CAFE CAMBRIDGE MA",
          "5814",
          "US",
          9.25,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-08T14:15:22Z",
          "MARKET BASKET #61 SOMERVILLE MA",
          "5411",
          "US",
          152.75,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-09T23:39:12Z",
          "MARKET BASKET #61 SOMERVILLE MA",
          "5411",
          "US",
          64.23,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-10T12:42:56Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          4.8,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-10T13:48:37Z",
          "TST* KENDALL COMMON CAFE CAMBRIDGE MA",
          "5814",
          "US",
          7.82,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-11T12:31:45Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          4.8,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-12T11:44:31Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          7.2,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-12T20:12:01Z",
          "TJ MAXX #0451 SOMERVILLE MA",
          "5651",
          "US",
          98.2,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-13T12:31:52Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          2.4,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-13T13:21:42Z",
          "DUNKIN #345123 SOMERVILLE MA",
          "5814",
          "US",
          10.05,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-14T08:18:42Z",
          "NYTIMES*NYTIMES NEW YORK NY",
          "5968",
          "US",
          25,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-14T12:45:00Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          4.8,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-15T01:17:47Z",
          "TST* DAVIS SQ NOODLE HOUSE SOMERVILLE MA",
          "5812",
          "US",
          84.32,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-15T12:37:00Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          4.8,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-16T13:28:55Z",
          "TST* UNION SQ ROASTERY SOMERVILLE MA",
          "5814",
          "US",
          5.73,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-16T16:06:33Z",
          "CVS/PHARMACY #00412 SOMERVILLE MA",
          "5912",
          "US",
          48.5,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-16T23:44:45Z",
          "WHOLE FOODS MKT #10123 CAMBRIDGE MA",
          "5411",
          "US",
          110.47,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-17T12:00:48Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          4.8,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-18T16:20:13Z",
          "CAVA KENDALL SQ CAMBRIDGE MA",
          "5814",
          "US",
          15.74,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-19T12:10:21Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          2.4,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-19T12:14:46Z",
          "TST* KENDALL COMMON CAFE CAMBRIDGE MA",
          "5814",
          "US",
          6.97,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-20T11:55:50Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          4.8,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-20T13:06:04Z",
          "SPOTIFY USA NEW YORK NY",
          "5815",
          "US",
          11.99,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-21T11:22:30Z",
          "TST* KENDALL COMMON CAFE CAMBRIDGE MA",
          "5814",
          "US",
          7.15,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-21T12:35:39Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          7.2,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-21T17:01:39Z",
          "SQ *BINNEY ST DUMPLINGS CAMBRIDGE MA",
          "5812",
          "US",
          17.81,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-21T22:52:08Z",
          "TST* LOWER BROADWAY TRATTORIA SOMERVILLE MA",
          "5812",
          "US",
          110.84,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-22T17:24:20Z",
          "TRADER JOE'S #509 CAMBRIDGE MA",
          "5411",
          "US",
          71.82,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-23T12:36:28Z",
          "DUNKIN #345123 SOMERVILLE MA",
          "5814",
          "US",
          8.13,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-24T11:40:51Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          4.8,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-25T12:42:32Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          2.4,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-25T23:48:37Z",
          "SQ *PROSPECT HILL TACOS SOMERVILLE MA",
          "5812",
          "US",
          61.77,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-26T11:49:40Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          4.8,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-27T01:22:52Z",
          "TST* LOWER BROADWAY TRATTORIA SOMERVILLE MA",
          "5812",
          "US",
          51.8,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-27T12:24:04Z",
          "T-MOBILE*AUTO PAY BELLEVUE WA",
          "4814",
          "US",
          65,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-27T16:58:06Z",
          "SWEETGREEN KENDALL SQ CAMBRIDGE MA",
          "5814",
          "US",
          18.31,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-28T00:24:45Z",
          "AMZN MKTP US*C9FAWTHFU AMZN.COM/BILL WA",
          "5942",
          "US",
          36.83,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-28T11:41:56Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          4.8,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-28T17:38:08Z",
          "SWEETGREEN KENDALL SQ CAMBRIDGE MA",
          "5814",
          "US",
          13.09,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-29T01:20:49Z",
          "LYFT *RIDE LYFT.COM CA",
          "4121",
          "US",
          25.77,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-29T12:39:50Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          4.8,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-29T15:14:13Z",
          "ZIPCAR INC BOSTON MA",
          "7512",
          "US",
          88.6,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-31T22:36:49Z",
          "TARGET 00023412 SOMERVILLE MA",
          "5310",
          "US",
          32.3,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-08-31T23:14:01Z",
          "TST* INMAN SQ WINE BAR CAMBRIDGE MA",
          "5813",
          "US",
          79.61,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-01T11:06:31Z",
          "MINDBODY*NORTHPOINT YOGA SOMERVILLE MA",
          "7997",
          "US",
          139,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-01T11:46:26Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          4.8,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-01T15:29:12Z",
          "CVS/PHARMACY #00412 SOMERVILLE MA",
          "5912",
          "US",
          40.53,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-01T18:06:04Z",
          "WHOLE FOODS MKT #10123 CAMBRIDGE MA",
          "5411",
          "US",
          108.25,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-02T09:36:29Z",
          "APPLE.COM/BILL CUPERTINO CA",
          "5818",
          "US",
          9.99,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-02T11:39:49Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          2.4,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-02T13:33:30Z",
          "TST* KENDALL COMMON CAFE CAMBRIDGE MA",
          "5814",
          "US",
          11.39,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-02T15:15:11Z",
          "TARGET 00023412 SOMERVILLE MA",
          "5310",
          "US",
          35.94,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-02T16:31:08Z",
          "UNIQLO USA ONLINE NEW YORK NY",
          "5651",
          "US",
          118.6,
          "81 keyed e-commerce",
          "ECI 05; AVS Y; CVV2 M",
          "00 approved",
          ""
        ],
        [
          "2026-09-02T16:51:07Z",
          "SWEETGREEN KENDALL SQ CAMBRIDGE MA",
          "5814",
          "US",
          13.23,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-03T12:42:43Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          7.2,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-03T16:05:46Z",
          "SWEETGREEN KENDALL SQ CAMBRIDGE MA",
          "5814",
          "US",
          13.14,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-04T11:45:33Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          4.8,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-04T15:47:29Z",
          "TJ MAXX #0451 SOMERVILLE MA",
          "5651",
          "US",
          24.58,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-04T23:06:31Z",
          "TST* DAVIS SQ NOODLE HOUSE SOMERVILLE MA",
          "5812",
          "US",
          74.96,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-05T12:24:59Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          7.2,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-05T16:52:11Z",
          "ZIPCAR INC BOSTON MA",
          "7512",
          "US",
          49.88,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-05T20:03:53Z",
          "MARKET BASKET #61 SOMERVILLE MA",
          "5411",
          "US",
          39.08,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-05T22:18:15Z",
          "BARNES & NOBLE #2632 BOSTON MA",
          "5942",
          "US",
          53.96,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-05T22:21:09Z",
          "TST* LOWER BROADWAY TRATTORIA SOMERVILLE MA",
          "5812",
          "US",
          33.35,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-06T11:21:47Z",
          "TST* KENDALL COMMON CAFE CAMBRIDGE MA",
          "5814",
          "US",
          7.2,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-07T11:46:21Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          4.8,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-07T17:08:25Z",
          "SWEETGREEN KENDALL SQ CAMBRIDGE MA",
          "5814",
          "US",
          18.27,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-07T17:14:34Z",
          "STAR MARKET #4512 SOMERVILLE MA",
          "5411",
          "US",
          61.66,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-08T10:12:43Z",
          "COMCAST XFINITY BOSTON MA",
          "4899",
          "US",
          79.99,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-08T11:37:18Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          2.4,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-08T16:50:23Z",
          "SQ *BINNEY ST DUMPLINGS CAMBRIDGE MA",
          "5812",
          "US",
          14.34,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-09T12:08:56Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          4.8,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-09T15:54:35Z",
          "SQ *BINNEY ST DUMPLINGS CAMBRIDGE MA",
          "5812",
          "US",
          12.83,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-10T11:13:58Z",
          "TST* KENDALL COMMON CAFE CAMBRIDGE MA",
          "5814",
          "US",
          5.58,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-10T11:52:35Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          4.8,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-10T16:44:51Z",
          "CAVA KENDALL SQ CAMBRIDGE MA",
          "5814",
          "US",
          16.54,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-11T11:38:42Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          2.4,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-11T18:10:56Z",
          "STAR MARKET #4512 SOMERVILLE MA",
          "5411",
          "US",
          37.46,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-12T18:14:46Z",
          "ZIPCAR INC BOSTON MA",
          "7512",
          "US",
          49.19,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-12T20:09:55Z",
          "WHOLE FOODS MKT #10123 CAMBRIDGE MA",
          "5411",
          "US",
          116.09,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-12T20:49:36Z",
          "TARGET 00023412 SOMERVILLE MA",
          "5310",
          "US",
          42.88,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-14T08:18:18Z",
          "NYTIMES*NYTIMES NEW YORK NY",
          "5968",
          "US",
          25,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-14T11:40:58Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          4.8,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-14T12:43:40Z",
          "DUNKIN #345123 SOMERVILLE MA",
          "5814",
          "US",
          6.92,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-14T15:52:30Z",
          "CAVA KENDALL SQ CAMBRIDGE MA",
          "5814",
          "US",
          12.95,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-15T02:25:11Z",
          "AMAZON.COM*G3ODSDIFA AMZN.COM/BILL WA",
          "5942",
          "US",
          83.01,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-15T12:19:50Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          7.2,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-16T12:37:04Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          4.8,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-17T12:21:56Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          7.2,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-17T15:53:38Z",
          "SQ *BINNEY ST DUMPLINGS CAMBRIDGE MA",
          "5812",
          "US",
          12.08,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-18T12:25:35Z",
          "TST* KENDALL COMMON CAFE CAMBRIDGE MA",
          "5814",
          "US",
          7.28,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-18T19:02:47Z",
          "UNIQLO USA ONLINE NEW YORK NY",
          "5651",
          "US",
          -39.9,
          "81 keyed e-commerce",
          "",
          "00 refund approved",
          "Refund, purchase of 2026-09-02"
        ],
        [
          "2026-09-19T11:48:42Z",
          "TST* KENDALL COMMON CAFE CAMBRIDGE MA",
          "5814",
          "US",
          6.15,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-19T21:17:37Z",
          "TJ MAXX #0451 SOMERVILLE MA",
          "5651",
          "US",
          67.04,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-19T23:24:46Z",
          "WHOLE FOODS MKT #10123 CAMBRIDGE MA",
          "5411",
          "US",
          53.79,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-20T01:41:41Z",
          "LYFT *RIDE LYFT.COM CA",
          "4121",
          "US",
          20.17,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-20T13:06:44Z",
          "SPOTIFY USA NEW YORK NY",
          "5815",
          "US",
          11.99,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-20T13:51:24Z",
          "ZIPCAR INC BOSTON MA",
          "7512",
          "US",
          64.47,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-21T11:47:52Z",
          "TST* KENDALL COMMON CAFE CAMBRIDGE MA",
          "5814",
          "US",
          5.11,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-21T11:50:03Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          4.8,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-22T12:01:06Z",
          "TST* KENDALL COMMON CAFE CAMBRIDGE MA",
          "5814",
          "US",
          6.44,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-22T12:32:38Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          2.4,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-22T17:27:42Z",
          "SWEETGREEN KENDALL SQ CAMBRIDGE MA",
          "5814",
          "US",
          13.05,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-22T18:09:11Z",
          "TRADER JOE'S #509 CAMBRIDGE MA",
          "5411",
          "US",
          45.03,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-22T18:59:25Z",
          "AMAZON.COM*DVNR851BJ AMZN.COM/BILL WA",
          "5942",
          "US",
          32.49,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-23T12:04:59Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          4.8,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-23T12:08:02Z",
          "DUNKIN #345123 SOMERVILLE MA",
          "5814",
          "US",
          6.88,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-24T12:45:21Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          4.8,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-25T01:40:11Z",
          "REI.COM SUMNER WA",
          "5941",
          "US",
          164.89,
          "81 keyed e-commerce",
          "ECI 05; AVS Y; CVV2 M",
          "00 approved",
          ""
        ],
        [
          "2026-09-25T11:33:24Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          2.4,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-25T13:14:34Z",
          "DUNKIN #345123 SOMERVILLE MA",
          "5814",
          "US",
          7.79,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-25T19:08:49Z",
          "TRADER JOE'S #509 CAMBRIDGE MA",
          "5411",
          "US",
          109.91,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-26T03:13:17Z",
          "LYFT *RIDE LYFT.COM CA",
          "4121",
          "US",
          28.02,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-26T20:21:05Z",
          "ZIPCAR INC BOSTON MA",
          "7512",
          "US",
          51.16,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-26T22:03:58Z",
          "TARGET 00023412 SOMERVILLE MA",
          "5310",
          "US",
          20.86,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-27T11:59:57Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          4.8,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-27T12:24:04Z",
          "T-MOBILE*AUTO PAY BELLEVUE WA",
          "4814",
          "US",
          65,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-27T15:09:29Z",
          "WHOLE FOODS MKT #10123 CAMBRIDGE MA",
          "5411",
          "US",
          147.66,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-27T17:36:33Z",
          "CAVA KENDALL SQ CAMBRIDGE MA",
          "5814",
          "US",
          13.75,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-28T11:48:44Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          4.8,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-28T12:50:36Z",
          "DUNKIN #345123 SOMERVILLE MA",
          "5814",
          "US",
          7.68,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-28T15:50:09Z",
          "CAVA KENDALL SQ CAMBRIDGE MA",
          "5814",
          "US",
          14.17,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-28T16:36:43Z",
          "CVS/PHARMACY #00412 SOMERVILLE MA",
          "5912",
          "US",
          90.11,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-28T17:56:38Z",
          "AMZN MKTP US*7SBQD6V5U AMZN.COM/BILL WA",
          "5942",
          "US",
          40.86,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-29T12:13:17Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          2.4,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-30T11:58:32Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          2.4,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-30T13:56:36Z",
          "DUNKIN #345123 SOMERVILLE MA",
          "5814",
          "US",
          10.87,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-09-30T17:37:48Z",
          "SWEETGREEN KENDALL SQ CAMBRIDGE MA",
          "5814",
          "US",
          15.45,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-10-01T11:06:24Z",
          "MINDBODY*NORTHPOINT YOGA SOMERVILLE MA",
          "7997",
          "US",
          139,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-10-01T11:37:24Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          7.2,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-10-01T13:34:44Z",
          "TST* KENDALL COMMON CAFE CAMBRIDGE MA",
          "5814",
          "US",
          7.72,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-10-01T23:56:55Z",
          "TST* LOWER BROADWAY TRATTORIA SOMERVILLE MA",
          "5812",
          "US",
          61.72,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-10-02T09:36:13Z",
          "APPLE.COM/BILL CUPERTINO CA",
          "5818",
          "US",
          9.99,
          "10 recurring",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-10-02T12:05:43Z",
          "MBTA FARE BOSTON MA",
          "4111",
          "US",
          7.2,
          "07 contactless",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-10-02T13:18:21Z",
          "DUNKIN #345123 SOMERVILLE MA",
          "5814",
          "US",
          5.36,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-10-02T19:40:15Z",
          "BARNES & NOBLE #2632 BOSTON MA",
          "5942",
          "US",
          76.45,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-10-03T00:57:51Z",
          "TST* INMAN SQ WINE BAR CAMBRIDGE MA",
          "5813",
          "US",
          79.83,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-10-03T13:41:02Z",
          "TST* UNION SQ ROASTERY SOMERVILLE MA",
          "5814",
          "US",
          7.25,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-10-03T16:17:36Z",
          "CVS/PHARMACY #00412 SOMERVILLE MA",
          "5912",
          "US",
          23.48,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-10-03T20:04:51Z",
          "LYFT *RIDE LYFT.COM CA",
          "4121",
          "US",
          34.87,
          "10 card on file",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-10-03T21:12:09Z",
          "TST* WHARF AND RAIL BOS TERM E EAST BOSTON MA",
          "5812",
          "US",
          64.8,
          "05 chip",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-10-03T21:58:26Z",
          "HUDSON ST2210 BOS TERM E EAST BOSTON MA",
          "5994",
          "US",
          18.47,
          "07 Apple Pay",
          "",
          "00 approved",
          ""
        ],
        [
          "2026-10-04T08:05:41Z",
          "UBER *TRIP HELP.UBER.COM",
          "4121",
          "NL",
          25.04,
          "10 card on file",
          "",
          "00 approved",
          "EUR 21.40"
        ]
      ]
    },
    "merchant_activity_on_our_cards": {
      "CASA DOS AZULEJOS CHIADO": {
        "what_it_is": "Ceramics and tile shop in Lisbon's Chiado district; MCC 5719",
        "first_seen_on_our_cards": "2023-04-18",
        "last_90_days": "37 authorizations on our cards, all card present (chip or contactless), median EUR 64.50, largest EUR 610.00",
        "confirmed_fraud_on_our_cards": "None"
      },
      "our_cards_card_present_in_portugal_last_30_days": "1,214 authorizations; 0.08% confirmed fraud"
    },
    "authorization_under_review": {
      "ts": "2026-10-04T11:42:16Z",
      "merchant": "CASA DOS AZULEJOS CHIADO LISBOA PRT",
      "merchant_category": "5719 Home furnishing specialty stores",
      "merchant_country": "PT",
      "amount": "EUR 389.00",
      "amount_usd": 455.13,
      "transaction": "Purchase",
      "channel": "Card present, attended terminal",
      "entry": "05 chip; application cryptogram (ARQC) verified",
      "cardholder_verification": "Signature (no PIN on this card)",
      "first_purchase_at_merchant": true,
      "first_card_present_authorization_outside_the_us_on_this_card": true,
      "available_credit_after_usd": 14132.21,
      "scores": {
        "network_risk_score": "62 (1 to 99, higher is riskier)",
        "our_fraud_model": "712 (0 to 999; our strategy steps up at 700 and declines at 850)",
        "our_model_reasons": [
          "First card-present country",
          "Amount above the card's 95th percentile",
          "First purchase at merchant"
        ]
      },
      "rules_fired": [
        {
          "rule": "R-310 First card-present authorization outside the US on this card, over $250",
          "action": "Decline unless our model scores under 700"
        }
      ]
    }
  },
  "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"
      }
    }
  }
}