Corvid Analytics
Fraud — Card Absent Environment · 19-2682-1104-3390
Streamed as it happens. Real timings are scaled down so the run is watchable.
- AVS full matchAVS_FULL_MATCHcited
The address verification response was Y — street address and postal code both matched — on authorisation 77TQ21.
Address verification result (corroborating auth evidence, discounted to 40%) · traced to EV-4421-02
+4 - CVV2 matchCVV2_MATCHcited
The card security code response was M — the code presented at checkout matched the issuer record.
Card security code result (corroborating auth evidence, discounted to 40%) · traced to EV-4421-02
+3.2 - Authenticated with liability shiftTDS_LIABILITY_SHIFTcited
The transaction was authenticated through EMV 3-D Secure with ECI 05, which moves fraud liability to the issuer.
Authenticated transactions shift fraud liability to the issuer · traced to EV-4421-01
+30 - Product used after purchaseACCESS_AFTER_PURCHASEcited
The account records 41 sessions after the transaction, most recently on 24 August 2026.
Post-purchase product usage · traced to EV-4421-03
+16 - Device and network continuityDEVICE_CONTINUITYcited
The checkout session originated from 81.144.20.55 on device dev_ff2018ab, matching the account's prior sessions.
Device and network continuity with prior sessions (corroborating auth evidence, discounted to 40%) · traced to EV-4421-04
+3.6
Representment — 19-2682-1104-3390
Acquirer Reference Number 74810552749188045512908; network case 19-2682-1104-3390; reason code 10.4 (Fraud — Card Absent Environment); transaction of $899.00 on 30 July 2026.
The cardholder states: "Cardholder does not recognise the transaction." The record does not support that account. The account records 41 sessions after the transaction, most recently on 24 August 2026.
The address verification response was Y — street address and postal code both matched — on authorisation 77TQ21. The card security code response was M — the code presented at checkout matched the issuer record. The transaction was authenticated through EMV 3-D Secure with ECI 05, which moves fraud liability to the issuer. The checkout session originated from 81.144.20.55 on device dev_ff2018ab, matching the account's prior sessions.
Reversal of the chargeback in full, $899.00, on the basis of 4 exhibits listed above. Filed with 25 days remaining before the 25 September 2026 deadline.
- EV-4421-01 — EMV 3-D Secure result · Adyen 3ds_9f21a0c4
- EV-4421-02 — Authorisation response · Adyen psp_8812LMQ4
- EV-4421-03 — Product access log · Corvid app acc_44120
- EV-4421-04 — Checkout session · Segment ses_1180ce22
Every assertion in this artifact resolves to a record on the case. Nothing withheld.
digest 749520e8c5056980 · the same case always produces this digest
- EMV 3-D Secure resultEV-4421-01Adyen · 3ds_9f21a0c4 · captured 30 Jul 2026
- eci
- 05
- authentication_status
- Y
- liability_shift
- true
- cavv_present
- true
- protocol_version
- 2.2.0
- Authorisation responseEV-4421-02Adyen · psp_8812LMQ4 · captured 30 Jul 2026
- auth_code
- 77TQ21
- avs_result
- Y
- cvv2_result
- M
- approved
- true
- Product access logEV-4421-03Corvid app · acc_44120 · captured 24 Aug 2026
- sessions_since_purchase
- 41
- last_login
- 2026-08-24T14:02:00Z
- seats_provisioned
- 4
- account_email_domain
- corvid-client.example
- Checkout sessionEV-4421-04Segment · ses_1180ce22 · captured 30 Jul 2026
- ip
- 81.144.20.55
- device_id
- dev_ff2018ab
- matches_prior_sessions
- true
- case.evaluated08:21:005 signals extracted; digest 749520e8c5056980feed547a836eeaeb16e994af…
- decision.scored08:21:01score 93 gives represent919ae3c1e504b5421df45500…