OpenChainGraph Suite · CONTRACT A3 · arch #5

Card Scheme Dispute Management

Card dispute reason-code mapping > card economics optimisation > chargeback representment building — composite card scheme dispute management mandate.

OpenChainGraph · 3 Steps compliance mandate Hash-Anchored §4 chain_depth:3 Client-Side · Zero PII

Chain Topology — Card Dispute Reason Code Mapper → Card Economics Optimizer → Chargeback Representment Builder

§4 Execution Hash · Chain Definition Anchor

execution_hash:computing…

Market Rationale

Buyer: Head of Dispute Management / Chargeback Officer at acquirer or merchant services firm

Forcing function: Visa/MC dispute rule updates 2024; CNP fraud chargeback liability shift; PSR representment windows

Chain Stages · 3 Steps

1 ROOT · D0 catalog

Card Dispute Reason Code Mapper 227-card-dispute-reason-code-mapper

dispute_reason_codes and representment_eligibility feed Stage 2 card economics optimisation

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2 D2 catalog

Card Economics Optimizer 85-card-economics-optimizer

card_cost_impact and dispute_economics feed Stage 3 chargeback representment builder

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3 TERMINAL · D3 catalog

Chargeback Representment Builder 41-chargeback-representment-builder

representment_package and composite_dispute_mandate — final card dispute mandate

Export Artifacts

Download the §4 chain definition artifact (hash-anchored composite JSON) or the §13.11 W3C Verifiable Credentials view. Both derive from the chain definition — no new hash is minted. Available after hash computation.