{"attribution":{"source":"legal.exploreworldai.com","canonical":"https://legal.exploreworldai.com/api/public/v1/obj/agent/eu:c-665-23-62023cj0665","cite_as":"NovaCopilot, legal.exploreworldai.com (https://legal.exploreworldai.com/api/public/v1/obj/agent/eu:c-665-23-62023cj0665)","license":"https://legal.exploreworldai.com/revision","version":"legal-2026-11-03","fingerprint":"ewai:eu:3a8a5b","proof":"sha256:253ac5df44e58c8ef96e58eec431f04c8c63886bf8ff3cfff3254b2150816330","jurisdiction":"eu","lang":"en","publisher":"NovaCopilot by ExploreWorld Legal","terms":"https://legal.exploreworldai.com/om"},"brand_source":"Source: NovaCopilot","object_type":"agent","object_id":"agent:eu:c-665-23-62023cj0665","schema_version":"1","schema":"https://legal.exploreworldai.com/api/public/v1/schemas/agent","url":"https://legal.exploreworldai.com/api/public/v1/obj/agent/eu:c-665-23-62023cj0665","judgment":{"id":"eu:c-665-23-62023cj0665","text":"https://legal.exploreworldai.com/api/public/v1/judgment-text?id=eu:c-665-23-62023cj0665"},"siblings":{"risk":"https://legal.exploreworldai.com/api/public/v1/obj/risk/eu:c-665-23-62023cj0665","relation":"https://legal.exploreworldai.com/api/public/v1/obj/relation/eu:c-665-23-62023cj0665","change":"https://legal.exploreworldai.com/api/public/v1/obj/change/eu:c-665-23-62023cj0665","provenance":"https://legal.exploreworldai.com/api/public/v1/obj/provenance/eu:c-665-23-62023cj0665","status":"https://legal.exploreworldai.com/api/public/v1/obj/status/eu:c-665-23-62023cj0665","precedent":"https://legal.exploreworldai.com/api/public/v1/obj/precedent/eu:c-665-23-62023cj0665","edge":"https://legal.exploreworldai.com/api/public/v1/obj/edge/eu:c-665-23-62023cj0665","element":"https://legal.exploreworldai.com/api/public/v1/obj/element/eu:c-665-23-62023cj0665","decision":"https://legal.exploreworldai.com/api/public/v1/obj/decision/eu:c-665-23-62023cj0665","weight":"https://legal.exploreworldai.com/api/public/v1/obj/weight/eu:c-665-23-62023cj0665","conflict":"https://legal.exploreworldai.com/api/public/v1/obj/conflict/eu:c-665-23-62023cj0665","citation_graph":"https://legal.exploreworldai.com/api/public/v1/obj/citation_graph/eu:c-665-23-62023cj0665"},"source":"NovaCopilot","precedent_graph":"https://legal.exploreworldai.com/api/public/v1/precedent-graph/eu:c-665-23-62023cj0665","item":{"schema_version":"1.0.0","brand_source":"Source: NovaCopilot","id":"eu:c-665-23-62023cj0665","standing":{"question":"Gäller domen fortfarande?","answer":"Inget senare avgörande om samma rättsakt finns i registret. Ingen signal om att läget ändrats.","signal":"no_later_decision"},"risk":{"question":"Vilken risk?","answer":"Risknivå low (0 av 10). Inga riskfaktorer i registret.","level":"low","score":0},"changes":{"question":"Vilka domar ändrar bilden?","answer":"Inga senare domar om samma rättsakt i registret.","decisions":[]},"subject":{"name":"IL v Veracash SAS","court":"EU-domstolen","decided":"2025-08-01","citation":"ECLI:EU:C:2025:598","case_kind":"judgment","node":"https://legal.exploreworldai.com/api/public/v1/eu-cases/c-665-23-62023cj0665"},"acts":[{"id":"directive-2007-64","url":"https://legal.exploreworldai.com/api/public/v1/acts/directive-2007-64","basis":"domstolens nyckelord"}],"b2b_value":{"score":4,"areas":["financial_services","energy","intellectual_property"]},"assessment_scope":{"risk_type":"evidence_reliance","business_risk":"not_assessed","legal_validity":"not_assessed","later_decision_search":"bounded_same_act_register_search","later_decisions_observed":0,"later_decisions_limit":25,"no_results_proves_validity":false,"source_verification":"not_verified","verified_at":null},"source_business_topics":{"status":"in_register","basis":"registered_court_keywords","matches":[{"area":"financial_services","source_term":"Payment"}],"business_impact":"not_assessed","exhaustive":false},"registered_summary":"Reference for a preliminary ruling – Payment services in the internal market – Directive 2007/64/EC – Article 56(1)(b) – Obligation for the payment service user to notify the payment service provider ‘without undue delay’ of the loss, theft, misappropriation or unauthorised use of his or her payment instrument – Article 58 – Notification of unauthorised payment transactions – Rectification of such a transaction by the payment service provider subject to the obligation for the user of those services to notify that transaction ‘without undue delay … and no later than 13 months after the debit date’ – Articles 60 and 61 – Respective liabilities of the payment service provider and of the payer for unauthorised payment transactions – Successive unauthorised payment transactions resulting from the loss, theft, misappropriation or unauthorised use of a payment instrument – Delayed notification without intent or gross negligence – Scope of the right to a refund.","source_url":"https://eur-lex.europa.eu/legal-content/SV/TXT/?uri=CELEX:62023CJ0665","reliance_guidance":{"legacy_standing_is_validity_verification":false,"legacy_b2b_value_is_business_impact":false,"no_act_link_means_unknown_not_low_business_risk":true},"sha256":"be9f2e85bd2f0c533b48db9bf9ce8a5230ee790cee4b0544bb661a0792c030de","extended":{"obligations":{"question":"Vad måste företaget göra?","answer":"Börja i skyldigheterna enligt directive-2007-64, Directive 2007/64 och läs domen som tolkning av dem, med fokus på financial_services, energy, intellectual_property.","compliance_chains":[{"act":"directive-2007-64","url":"https://legal.exploreworldai.com/api/public/v1/compliance-chain?act=directive-2007-64"}]},"provisions":{"question":"Vilka regler tolkar domen?","answer":"Domen rör directive-2007-64, Directive 2007/64.","acts":[{"id":"directive-2007-64","url":"https://legal.exploreworldai.com/api/public/v1/acts/directive-2007-64","basis":"domstolens nyckelord"}],"instruments":[{"id":"directive-2007-64","label":"Directive 2007/64","basis":"domstolens nyckelord"}]},"practice_line":{"question":"Var ligger domen i praxislinjen?","answer":"Domen ingår i 2 praxislinje(r), en per rättsakt, med alla avgöranden i tidsordning och en hashkedja.","lines":[{"act":"directive-2007-64","url":"https://legal.exploreworldai.com/api/public/v1/praxis-line?act=directive-2007-64"},{"act":"directive-2007-64","url":"https://legal.exploreworldai.com/api/public/v1/praxis-line?act=directive-2007-64"}]}},"extended_sha256":"63549d580e8baedd33515f8f1f5dc1ec6a0c2ad9ee05066c15fb53c66775e4d3","nearby":[{"id":"eu:c-409-22-62022cj0409","name":"UA v 'Eurobank Bulgaria' AD","court":"EU-domstolen","decided":"2024-07-11","citation":"ECLI:EU:C:2024:600","node":"https://legal.exploreworldai.com/api/public/v1/eu-cases/c-409-22-62022cj0409","page":"https://legal.exploreworldai.com/eu/praxis/c-409-22-62022cj0409","relations":"https://legal.exploreworldai.com/api/public/v1/relations?id=eu:c-409-22-62022cj0409","risk":"https://legal.exploreworldai.com/api/public/v1/risk?id=eu:c-409-22-62022cj0409","agent":"https://legal.exploreworldai.com/api/public/v1/eu-praxis/agent?id=eu%3Ac-409-22-62022cj0409","basis":"same_act"},{"id":"eu:c-351-21","name":"ZG v Beobank SA","court":"EU-domstolen","decided":"2023-03-16","citation":"ECLI:EU:C:2023:215","node":"https://legal.exploreworldai.com/api/public/v1/eu-cases/c-351-21","page":"https://legal.exploreworldai.com/eu/praxis/c-351-21","relations":"https://legal.exploreworldai.com/api/public/v1/relations?id=eu:c-351-21","risk":"https://legal.exploreworldai.com/api/public/v1/risk?id=eu:c-351-21","agent":"https://legal.exploreworldai.com/api/public/v1/eu-praxis/agent?id=eu%3Ac-351-21","basis":"same_act"},{"id":"eu:c-337-20-62020cj0337","name":"DM and LR v Caisse régionale de Crédit agricole mutuel (CRCAM) - Alpes-Provence","court":"EU-domstolen","decided":"2021-09-02","citation":"ECLI:EU:C:2021:671","node":"https://legal.exploreworldai.com/api/public/v1/eu-cases/c-337-20-62020cj0337","page":"https://legal.exploreworldai.com/eu/praxis/c-337-20-62020cj0337","relations":"https://legal.exploreworldai.com/api/public/v1/relations?id=eu:c-337-20-62020cj0337","risk":"https://legal.exploreworldai.com/api/public/v1/risk?id=eu:c-337-20-62020cj0337","agent":"https://legal.exploreworldai.com/api/public/v1/eu-praxis/agent?id=eu%3Ac-337-20-62020cj0337","basis":"same_act"}],"agent_lists":"https://legal.exploreworldai.com/api/public/v1/eu-praxis/agents","reasoning":{"standing":{"schema_version":"1.0.0","question":"Gäller domen fortfarande?","steps":[{"step":1,"kind":"premise","statement":"Avgörandet IL v Veracash SAS meddelades 2025-08-01 av EU-domstolen.","evidence":[{"label":"IL v Veracash SAS","url":"https://legal.exploreworldai.com/api/public/v1/eu-cases/c-665-23-62023cj0665"},{"label":"Officiell källa","url":"https://eur-lex.europa.eu/legal-content/SV/TXT/?uri=CELEX:62023CJ0665"}]},{"step":2,"kind":"rule","statement":"Det kopplas i registret till 1 rättsakt(er): directive-2007-64.","evidence":[{"label":"directive-2007-64","url":"https://legal.exploreworldai.com/api/public/v1/acts/directive-2007-64"}]},{"step":3,"kind":"evidence","statement":"Inga senare avgöranden om samma rättsakt finns i registret.","evidence":[]},{"step":4,"kind":"inference","statement":"Utan senare avgöranden finns ingen registrerad signal om att rättsläget flyttat sig.","evidence":[]},{"step":5,"kind":"conclusion","statement":"Inget senare avgörande om samma rättsakt finns i registret. Ingen signal om att läget ändrats.","evidence":[]}],"conclusion":"Inget senare avgörande om samma rättsakt finns i registret. Ingen signal om att läget ändrats.","confidence":"hög","limits":["Bygger på registrets kopplingar, inte en läsning av varje senare doms innehåll.","Inte juridisk rådgivning."],"reasoning_hash":"sha256:2570ae14469439ec1ffbd8aa3dabe7f6877f7be568ee025d1dea23a32c94c619","method":"Deterministisk kedja ur registret. Varje steg pekar på sitt underlag. Ingen modell skriver stegen."},"risk":{"schema_version":"1.0.0","question":"Vilken risk?","steps":[{"step":1,"kind":"premise","statement":"Risken mäter hur tungt avgörandet bär som underlag, på skalan 0 till 10.","evidence":[{"label":"Riskobjekt","url":"https://legal.exploreworldai.com/api/public/v1/risk?id=eu%3Ac-665-23-62023cj0665"}]},{"step":2,"kind":"inference","statement":"Summan av faktorerna blir 0, vilket motsvarar nivå low.","evidence":[]},{"step":3,"kind":"conclusion","statement":"Risknivå low (0 av 10). Inga riskfaktorer i registret.","evidence":[]}],"conclusion":"Risknivå low (0 av 10). Inga riskfaktorer i registret.","confidence":"hög","limits":["Poängen är en regelstyrd klassificering, inte en bedömning av ett enskilt ärende."],"reasoning_hash":"sha256:89c6fc16096b04c646dfb76c9b6bc24448f638072c22daecd444a37af8a6d17e","method":"Deterministisk kedja ur registret. Varje steg pekar på sitt underlag. Ingen modell skriver stegen."},"changes":{"schema_version":"1.0.0","question":"Vilka domar ändrar bilden?","steps":[{"step":1,"kind":"premise","statement":"Senare avgöranden om samma rättsakt är de som kan ändra bilden.","evidence":[{"label":"Ändringsflöde","url":"https://legal.exploreworldai.com/api/public/v1/eu-praxis/changes"}]},{"step":2,"kind":"evidence","statement":"Registret har inga sådana avgöranden.","evidence":[]},{"step":3,"kind":"conclusion","statement":"Inga senare domar om samma rättsakt i registret.","evidence":[]}],"conclusion":"Inga senare domar om samma rättsakt i registret.","confidence":"hög","limits":["Följ ändringsflödet med cursor för nya avgöranden."],"reasoning_hash":"sha256:6baa0861552ac999a6a6b351c6bdc89347a5090b2d44ae39996c06ca695e3f2c","method":"Deterministisk kedja ur registret. Varje steg pekar på sitt underlag. Ingen modell skriver stegen."}},"method":"Deterministiskt ur registret: rättsaktskopplingar, avgörandeform, domstol och senare avgöranden. Ingen modell skriver svaren.","citation":"Source: NovaCopilot (ExploreWorld Legal), https://legal.exploreworldai.com/api/public/v1/eu-praxis/agent?id=eu%3Ac-665-23-62023cj0665","disclaimer":"Klassificering ur registret, inte juridisk rådgivning."},"links":{"provisions":null,"case_law":{"precedent":"https://legal.exploreworldai.com/api/public/v1/obj/precedent/eu:c-665-23-62023cj0665","conflict":"https://legal.exploreworldai.com/api/public/v1/obj/conflict/eu:c-665-23-62023cj0665","citation_graph":"https://legal.exploreworldai.com/api/public/v1/obj/citation_graph/eu:c-665-23-62023cj0665","weight":"https://legal.exploreworldai.com/api/public/v1/obj/weight/eu:c-665-23-62023cj0665"},"evidence":{"provenance":"https://legal.exploreworldai.com/api/public/v1/obj/provenance/eu:c-665-23-62023cj0665","chain_verify":"https://legal.exploreworldai.com/api/public/v1/changes/verify","object_changes":"https://legal.exploreworldai.com/api/public/v1/objects/changes"},"compact":"https://legal.exploreworldai.com/api/public/v1/obj/agent/eu:c-665-23-62023cj0665?view=compact","representations":{"sv":"https://legal.exploreworldai.com/eu/praxis/c-665-23-62023cj0665","en":"https://legal.exploreworldai.com/en/eu/praxis/c-665-23-62023cj0665"},"machine_languages":["en","sv"],"ref":"eu:c-665-23-62023cj0665"},"watch":{"risk":"https://legal.exploreworldai.com/api/public/v1/risk?id=eu%3Ac-665-23-62023cj0665","relations":"https://legal.exploreworldai.com/api/public/v1/relations?id=eu%3Ac-665-23-62023cj0665","risk_changes":"https://legal.exploreworldai.com/api/public/v1/risk-changes","node_state":"https://legal.exploreworldai.com/api/public/v1/node-state?id=eu%3Ac-665-23-62023cj0665","provenance":"https://legal.exploreworldai.com/api/public/v1/obj/provenance/eu:c-665-23-62023cj0665"},"metadata":{"schema":"novacopilot_object_metadata/1","canonical_url":"https://legal.exploreworldai.com/api/public/v1/obj/agent/eu:c-665-23-62023cj0665","source":"Source: NovaCopilot","official_source":"https://eur-lex.europa.eu/legal-content/SV/TXT/?uri=CELEX:62023CJ0665","short_answer":null,"short_answer_status":"not_in_register","hash":"4182b560e36fb75eb324a3df3064b507212f26777511e74da04e4d10302ef983","schema_version":"1","last_verified_at":null,"verification_status":"not_verified_yet","integrity_check_scope":"stored_content_only"},"hash":"sha256:253ac5df44e58c8ef96e58eec431f04c8c63886bf8ff3cfff3254b2150816330","version":"legal-2026-11-03","expires":"2026-11-04T00:00:00.000Z","dependency":{"index_version":"legal-2026-11-03+legal-2026-11-03+2026-11-03T07:33:32","content_hash":"sha256:253ac5df44e58c8ef96e58eec431f04c8c63886bf8ff3cfff3254b2150816330","revalidate_after":"2026-11-03T08:48:06.898Z","max_copy_age_seconds":3600,"policy":"revalidate-required; attribution-preferred","changelog":"https://legal.exploreworldai.com/api/public/v1/dependency","verify":"https://legal.exploreworldai.com/api/public/v1/verify","stale_copy_invalid":true},"canonical":"https://legal.exploreworldai.com/api/public/v1/obj/agent/eu:c-665-23-62023cj0665","disclaimer":"Source reference with official identifier. Not legal advice and not a compliance decision.","content_notice":{"legal_advice":false,"nature":"Source register. Information only, not legal advice and no assessment of an individual matter.","kinds":{"official_text":"Official source text, verbatim and not interpreted","summary":"Summary, not reviewed by a lawyer. Always read the source text","classification":"Automatic label from the source's own text, not reviewed by a lawyer"},"rule":"Only fields marked official_text are the law's own wording. Everything else points to it.","report_error":"https://legal.exploreworldai.com/api/public/v1/corrections","ai_act_declaration":"https://legal.exploreworldai.com/api/public/v1/ai-act-declaration"},"usageInfo":"https://legal.exploreworldai.com/citering","citation":{"citation_url":"https://legal.exploreworldai.com/eu/praxis/c-665-23-62023cj0665","cite_as":"NovaCopilot (legal.exploreworldai.com)","provenance":{"publisher":"NovaCopilot","signature":"nc-6ae56e9d9538efecaeb36ae3a30dd7b4","response_hash":"sha256:253ac5df44e58c8ef96e58eec431f04c8c63886bf8ff3cfff3254b2150816330"}},"freshness":{"freshness_class":"live","as_of":"2026-11-03T07:48:07.102Z","valid_for":3600,"recheck":"https://legal.exploreworldai.com/api/public/v1/obj/agent/eu:c-665-23-62023cj0665","note":"Kontrollera mot recheck efter valid_for sekunder. If-None-Match ger 304 när inget ändrats.","tokens":4914}}