Use case: Klarna — unauthorized transaction / friendly fraud
Pain: the customer says “I did not place this order”. The merchant has address data and delivery proof, but the file is often messy, overclaims identity, or fails to show the address match clearly.
3-step fix (receiver-aware review rail)
- Intake contract: require order-side address data, delivery address data, and delivery proof with signature or photo where available.
- Decision exhaust: compare the address recorded in the payment/order flow with the actual delivery destination and proof-of-delivery record.
- Decision-ready rail: export a clean comparison pack that supports the friendly-fraud analysis without claiming identity certainty or legal conclusions.
Why it matters: when the addresses line up and the delivery proof is strong, the reviewer sees a cleaner fraud-risk pattern instead of a pile of unrelated records.
Reality Audit
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