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Task tsk_f32fe0f804f0cf1dpayments · api/payments/fraud/score
Regulator-ready audit trail
Fraud / ATO
Applicable regulation
Reg E (12 CFR § 1005) · ECOA Reg B (adverse action)
Primary AI decision
Primary LLM: 'IMPOSSIBLE GEO — SF login 14:02, NYC purchase 14:41 same day.'
primary_claim: impossible_geo
TBV verifier re-reasoning
verdict: blockconfidence: 0.98
Impossible travel: SFO→NYC in 39min (physically impossible, min ~6h flight). Account takeover indicator. Block + trigger step-up auth.
Source data provenance
login_geo: SFO
login_ts: 2026-04-20T14:02Z
purchase_geo: NYC
purchase_ts: 2026-04-20T14:41Z
travel_gap_min: 39
Final verdict
block
Resolver tier
TBV verifier (agent)
Status
completed
Prompt
Primary LLM: 'IMPOSSIBLE GEO — SF login 14:02, NYC purchase 14:41 same day.'
Context
{
"login_geo": "SFO",
"login_ts": "2026-04-20T14:02Z",
"purchase_geo": "NYC",
"purchase_ts": "2026-04-20T14:41Z",
"travel_gap_min": 39,
"primary_claim": "impossible_geo"
}Attempts
- agentverdict: blockconfidence: 0.98
Impossible travel: SFO→NYC in 39min (physically impossible, min ~6h flight). Account takeover indicator. Block + trigger step-up auth.
Final verdict: block (via agent)
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