Card not present fraud looks like this.
1. Card stolen and used to buy say, a pair of jeans online.
2. Cardholder disputes legitimate charge for the jeans, known as friendly fraud.
The merchant won't send jeans until the puzzle is retrieved from account (aka Paydentity+ISXPAY) thus securing the transaction.
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Card not present fraud looks like this. 1. Card stolen and used...
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