Halden Studio
Fraud — Card Absent Environment · 19-2682-3391-7742
Streamed as it happens. Real timings are scaled down so the run is watchable.
- 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-4423-04
+3.2 - Product used after purchaseACCESS_AFTER_PURCHASEcited
The account records 6 downloads after the transaction, most recently on 21 August 2026.
Post-purchase product usage · traced to EV-4423-03
+16 - Qualifies under Compelling Evidence 3.0CE30_QUALIFIEDcited
3 prior undisputed transactions between 148 and 331 days old share 3 matching data elements with the disputed transaction: device identifier, IP address, account identifier.
Compelling Evidence 3.0 qualification · traced to EV-4423-01
+26
- Not authenticatedTDS_NOT_AUTHENTICATEDcited
The transaction carried ECI 07 with no authentication, so fraud liability rests with the merchant.
No liability shift available · traced to EV-4423-02
-12
- AVS partial matchAVS_PARTIAL_MATCHcited
The address verification response was Z — postal code matched, street address did not.
Address verification result (corroborating auth evidence, discounted to 40%) · traced to EV-4423-04
+0.8
Representment — 19-2682-3391-7742
Acquirer Reference Number 74810552749201046773115; network case 19-2682-3391-7742; reason code 10.4 (Fraud — Card Absent Environment); transaction of $49.90 on 2 August 2026.
The cardholder states: "Cardholder does not recognise the transaction." The record does not support that account. The account records 6 downloads after the transaction, most recently on 21 August 2026.
The address verification response was Z — postal code matched, street address did not. The card security code response was M — the code presented at checkout matched the issuer record.
3 prior undisputed transactions between 148 and 331 days old share 3 matching data elements with the disputed transaction: device identifier, IP address, account identifier. The transaction is therefore presented as consistent with an established pattern of legitimate use on this account.
The transaction carried ECI 07 with no authentication, so fraud liability rests with the merchant.
Reversal of the chargeback in full, $49.90, on the basis of 3 exhibits listed above. Filed with 27 days remaining before the 27 September 2026 deadline.
- EV-4423-01 — Prior undisputed transactions · Stripe cus_M2xQ88tR
- EV-4423-03 — Content access log · Halden app acc_77120
- EV-4423-04 — Authorisation response · Stripe ch_3PmT7xR2
Every assertion in this artifact resolves to a record on the case. Nothing withheld.
digest b416671799f7a7e9 · the same case always produces this digest
- Prior undisputed transactionsEV-4423-01Stripe · cus_M2xQ88tR · captured 28 Aug 2026
- prior_count
- 3
- oldest_days_ago
- 331
- newest_days_ago
- 148
- matching_device_id
- true
- matching_ip_address
- true
+ 3 more fields - EMV 3-D Secure resultEV-4423-02Stripe · 3ds_2201baf0 · captured 02 Aug 2026
- eci
- 07
- authentication_status
- U
- liability_shift
- false
- cavv_present
- false
- Content access logEV-4423-03Halden app · acc_77120 · captured 27 Aug 2026
- downloads_after_purchase
- 6
- last_access
- 2026-08-21T11:30:00Z
- access_ip
- 92.40.176.12
- Authorisation responseEV-4423-04Stripe · ch_3PmT7xR2 · captured 02 Aug 2026
- auth_code
- 31BB90
- avs_result
- Z
- cvv2_result
- M
- approved
- true
- case.evaluated08:22:305 signals extracted; digest b416671799f7a7e96afc7e042bcdb78a37715741…
- decision.scored08:22:31score 82 gives represent8bab9fdc722903a11afad2e0…