Four Walls Investigation
What is the purpose of performing a Four Walls investigation in cases of unauthorized transactions?
By validating case facts, identify established patterns and confirming authorized activity
Enrtry Mode for EMV transaction
"5"
The cardholder claims they have never done business
with the disputed merchant
Transaction History
Why is it important to analyze transaction details when conducting a Four Walls investigation?
These details are essential for determining whether to proceed with a denial, write-off, or a possible chargeback.
Possible supporting denial for EMV transaction
Matching geographical location of transaction and cardholder
The card was lost or stolen
Undisputed/Authorized Card Present Transactions
How does geographical location factor into the investigation of disputed EMV transactions?
It helps analysts piece together the sequence of events during the disputed period and assess where those events took place.
Strong denial for EMV transaction
No evidence of card separation
The cardholder has made three or more transactions with the same merchant, regardless of the transaction amount
Spending Pattern
What role does establishing a pattern play in the investigation of unauthorized transactions?
A baseline of normal behavior
A transaction require the secure one-time code to be able to process a transaction successfully
EMV Contactless
The card is in the cardholder's possession and was never reported as lost or stolen and then found
EMV Denial
How do you differentiate between strong and weak evidence within the Four Walls framework?
Strong evidence is clear, consistent, and directly supports the case through reliable data while weak evidence is inconsistent, or lacks direct relevance, making it less credible for the investigation.
What are the indicators that no fraud occurred when handling card-in-possession for a card-present transaction?
No evidence of card separation
No suspicious declined transactions
No difference in spend patterns
At least three details about the cardholder match over the phone, such as email, phone number, or address
Validation of Ducoments