Funding Context
Card product, credential, token and actual funding source remain explicit.
STATIC Authorization Graph
The history connecting a card transaction with its credential, funding, rules and final financial state.
Also known as The Authorization Graph
INSIDE STATIC AUTHORIZATION GRAPH
Purpose, systems, and connections.
Authorization Graph makes an attempted payment understandable from the initial decision through clearing, settlement, reversal or dispute. Merchant descriptors and holds remain connected to the event the cardholder recognizes.
Policy Decision
Amount, merchant, currency and user rules explain the authorization context.
Transaction Lifecycle
Pending holds, settled purchases, refunds and disputes retain different meanings.
How it connects
Transaction data is highly private and does not become a general account behavior profile.