{
  "model": "grayson-1",
  "context": {
    "cardholder": {
      "account_id": "acct_77310",
      "product": "Visa rewards credit card x7193",
      "account_open_since": "2019-04-11",
      "home_city": "Columbus, OH",
      "credit_limit_usd": 12000,
      "available_credit_usd": 9340.18,
      "phone_on_file_last_changed": "2023-01-15",
      "mobile_wallet": "Card provisioned to the cardholder's iPhone on 2024-05-02",
      "alerts": "Enrolled in two-way text alerts"
    },
    "spend_profile_12_months": {
      "authorizations": 612,
      "card_present_share_pct": 71,
      "typical_amount_usd": "8 to 140",
      "largest_amount_usd": 486.2,
      "countries": [
        "US"
      ],
      "card_not_present_merchants": [
        "Streaming subscription",
        "Online marketplace",
        "Food delivery app",
        "Airline"
      ],
      "electronics_purchases": "2 in 12 months, both in store with the mobile wallet: $54.10 and $129.99"
    },
    "recent_authorizations": [
      {
        "ts": "2026-10-03T13:12:44Z",
        "merchant": "Grocery store",
        "merchant_category": "5411 Grocery stores",
        "location": "Columbus, OH",
        "amount_usd": 86.42,
        "entry": "Contactless, mobile wallet",
        "result": "Approved"
      },
      {
        "ts": "2026-10-03T17:55:10Z",
        "merchant": "Fuel station",
        "merchant_category": "5542 Automated fuel dispensers",
        "location": "Columbus, OH",
        "amount_usd": 48.3,
        "entry": "Chip",
        "result": "Approved"
      },
      {
        "ts": "2026-10-03T21:47:09Z",
        "merchant": "Online donation page for a small charity",
        "merchant_category": "8398 Charitable and social service organizations",
        "location": "US, e-commerce",
        "amount_usd": 1,
        "entry": "Card number keyed",
        "cvv2": "Not provided",
        "avs": "Not sent",
        "result": "Declined: wrong expiration date"
      },
      {
        "ts": "2026-10-03T21:47:16Z",
        "merchant": "Online donation page for a small charity",
        "merchant_category": "8398 Charitable and social service organizations",
        "location": "US, e-commerce",
        "amount_usd": 1,
        "entry": "Card number keyed",
        "cvv2": "Not provided",
        "avs": "Not sent",
        "result": "Declined: wrong expiration date"
      },
      {
        "ts": "2026-10-03T21:47:22Z",
        "merchant": "Online donation page for a small charity",
        "merchant_category": "8398 Charitable and social service organizations",
        "location": "US, e-commerce",
        "amount_usd": 1,
        "entry": "Card number keyed",
        "cvv2": "Not provided",
        "avs": "Not sent",
        "result": "Approved"
      }
    ],
    "donation_page_activity_on_our_cards": {
      "window": "2026-10-03T21:00:00Z to 2026-10-03T22:08:00Z",
      "authorization_attempts": 1840,
      "distinct_card_numbers": 1712,
      "declined_pct": 94,
      "top_decline_reasons": [
        "Invalid card number",
        "Wrong expiration date"
      ],
      "pattern": "Card numbers on this card's BIN, in runs that differ only in the last 4 to 6 digits; $1.00 attempts a few seconds apart",
      "usual_volume": "About 3 authorizations a day on our cards"
    },
    "authorization_under_review": {
      "ts": "2026-10-03T22:08:31Z",
      "merchant": "Online electronics retailer",
      "merchant_category": "5732 Electronics stores",
      "merchant_country": "US",
      "amount_usd": 749.99,
      "channel": "E-commerce",
      "entry": "Card number keyed (not a stored credential or wallet token)",
      "eci": "07 (e-commerce, not authenticated with 3-D Secure)",
      "avs": "No match (street address and ZIP code)",
      "cvv2": "Not provided",
      "first_purchase_at_merchant": true,
      "network_risk_score": "41 on a 1 to 99 scale (higher is riskier)",
      "rules_engine": "No rule fired"
    }
  },
  "questions": {
    "fraud_likelihood": {
      "type": "score",
      "instructions": "How likely is it that the authorization under review is fraudulent, meaning the cardholder didn't make it?",
      "levels": [
        "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?",
      "options": {
        "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"
      }
    }
  }
}