For every cc transaction, there must be a corresponding mail should be sent to the cc holder's mail account, and in that mail cc holder should have the option to approve or reject the transaction. This mail can be time bound like 48 Hrs. If cc holder doesnt approve or rejects in this time period, the transaction should be approved automatically and respective acknoledgement should also be sent to the cc holder.
By this way cc holder can authenticate the transactions as well as track the old transactions.
If any concerns, write me : intekhab.aalam@gmail.com