The pattern of gambling indicated it was a genuine customer making the transactions.The person making the transactions needed access to the device, the customer’s account with the merchant and all other username and password information.Patrick’s phone number was registered with the merchant.Accounts created with it had to be verified with a four-digit code sent to the mobile number or email address registered on the gaming account.The person making the first transaction had the card details.Patrick insisted he had not made the transactions, and his bank charged back the transactions. The merchant responded with evidence that: Patrick had a history of disputing transactions at gambling websites, including this latest website.
The bank considered the transactions were authorised because:
