Execution-Time Acceptance Evidence for Chargeback-Eligible Card Transactions

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Authors: Tony Giuliano
Cited by: 0

Abstract

Card disputes, scheme reviews, and regulatory inquiries frequently rely on reconstructed narratives of transaction acceptance and authorization derived after settlement has occurred. These reconstructions introduce audit risk because the evidence used to justify irreversible payment finality is not generated contemporaneously, is not version-sealed, and is not procedurally constrained at execution time. This technical reference defines an execution-time evidentiary format for chargeback-eligible card transactions. The specification establishes a standardized method for binding acceptance criteria, execution-time evidence, and authorization outcomes into non-reconstructive, machine-verifiable artifacts suitable for dispute representation, internal audit reliance, and scheme compliance review.

Fields of Study & Subjects

Blockchain Technology Applications and Security Distributed systems and fault tolerance Digital Transformation in Financial Services

Publication details

Journal / source
Zenodo (CERN European Organization for Nuclear Research)
Publication date
5 February 2026
Language
EN