Card/Spend Agent — Intelligent Card Transaction Management
Smart card operations: authorization → fraud detection → cashback optimization → merchant categorization → spend insights · 150M+ merchants, 170+ countries
1 Real-time authorization
Transaction intake
Visa network
Marqeta processor
ISO 8583 message
Auth request parse
Latency: <100ms SLA
Card validation
Card status check
PIN verification
CVV/CVC match
Expiry validation
3DS authentication
Balance & limits
Available balance
Daily spend limit
Single txn limit
Monthly cap
Merchant category limit
Real-time FX
Multi-currency account
Auto-currency selection
FX rate lookup
Zero markup (local)
Conversion applied
FX markup: 0%
Auth decision
Approved
Partial approval
Declined (NSF)
Declined (fraud)
Response to network
Approval rate: 94.2%
2 AI fraud detection
Feature extraction
Transaction amount
Merchant MCC code
Location (GPS/IP)
Time of day
Device fingerprint
Behavioral analysis
Spending pattern ML
Velocity checks
Geographic anomaly
Merchant affinity
Time pattern deviation
Risk scoring
Low risk (0-30)
Medium risk (31-70)
High risk (71-100)
Ensemble model
Real-time inference
Fraud rate: 0.02%
Action triggers
Auto-approve (low)
Step-up auth (med)
Block + alert (high)
Push notification
In-app confirm
Dispute handling
Chargeback initiation
Evidence collection
Visa RDR/CDRN
Provisional credit
Resolution tracking
3 Cashback optimization & rewards
Cashback tiers
6% groceries
4% dining
3% travel
2% online shopping
1% everything else
Avg cashback: 2.4%
Merchant categorization
MCC code lookup
Merchant name parsing
ML re-categorization
User override
Category enrichment
Bonus offers
Partner merchant boost
Limited-time promos
Personalized offers
Referral bonuses
Milestone rewards
Cashback settlement
Pending (auth)
Earned (settled)
Daily accrual
Monthly payout
Wallet credit
4 Spend intelligence & insights
Transaction enrichment
Merchant logo
Clean merchant name
Location mapping
Receipt parsing
Item-level detail
Spending analytics
Category breakdown
Weekly/monthly trends
Merchant frequency
Avg transaction size
Budget vs actual
AI insights
Subscription detection
Price increase alert
Unusual spend flag
Savings opportunity
Similar merchant reco
Budgeting
Category budgets
Spending goals
Alert thresholds
Forecast spending
Budget coaching
Prael integration
Natural language query
"How much at Starbucks?"
"Set $200 dining limit"
"Cancel subscription"
Voice spending report
5 Card controls & lifecycle
User controls
Lock/unlock card
Online txn toggle
ATM withdrawal toggle
International toggle
Category blocking
Virtual cards
Instant virtual card
Single-use numbers
Merchant-locked card
Subscription card
Apple/Google Pay
Physical card
Card ordering
Activation flow
PIN management
Replacement request
Shipping tracking
Notifications
Real-time push
Daily summary
Large purchase alert
Declined txn notify
Fraud alert
Avg response: <2s