Currently, when a Member reports a physical card as lost, stolen, or damaged, they are automatically issued with a new card. This process needs to be redesigned to improve security and user experience.

Technical Requirements

The new workflow should implement the following security measures:

• Two-factor authentication for card replacement requests
• Automated fraud detection system integration
• Real-time notification system for both users and administrators
• Audit trail for all card replacement requests

Database Changes

New tables and modifications required:

• card_replacement_requests
• audit_logs
• notification_preferences

API Endpoints

New REST endpoints to be implemented:

• POST /api/v1/cards/replacement-requests
• GET /api/v1/cards/replacement-status
• PUT /api/v1/cards/replacement-verification