This rule detects merchant self-dealing where business owners process transactions using their own payment cards, which may indicate fraud or money laundering.

System flags when:
1. Cardholder identity matches merchant owner/employee
2. Transaction processed at merchant own business
3. Pattern indicates self-processing rather than legitimate purchase

Self-card transactions are problematic because:
- Merchant fee fraud (earning interchange fees on own purchases)
- Money laundering (creating appearance of legitimate revenue)
- Tax fraud (generating false expenses/deductible purchases)
- Chargeback fraud (self-transaction then dispute for refund)
- Violates processor terms of service and card network rules

Detection requires cross-referencing:
- Merchant owner/employee identity data
- Cardholder name and details
- Address matching between merchant and cardholder
- Transaction pattern analysis

Alert enables compliance team to:
- Merchant account review and education
- Violation documentation for enforcement
- Account termination if systematic fraud
- Reporting to card networks for merchant violations
- Recovery of improperly earned interchange fees

Most processors explicitly prohibit self-card processing to prevent fee fraud and maintain payment system integrity.