{
  "model": "grayson-1",
  "state": {
    "screening": {
      "system": "Outbound payment scam screening (real time), retail mobile app",
      "stage": "The customer has pressed Send. The payment is held in pre-submission screening and has not been sent to Faster Payments.",
      "times": "UK local time with offset (BST, UTC+01:00, until 2026-10-25)",
      "our_actions": "release; warn (a full-screen warning for one scam type that the customer must confirm); hold and call (fraud specialist calls the number on file; UK rules allow a delay to the end of the fourth business day after the instruction where there are reasonable grounds to suspect fraud); block"
    },
    "customer": {
      "customer_id": "C-27702951",
      "name": "Daniel J. Mensah",
      "age": 38,
      "customer_since": "2016-01-11",
      "home": "Reading, Berkshire (RG1); owns a flat with a mortgage elsewhere; at this address since 2019",
      "occupation": "IT contractor through his own limited company, Mensah Digital Ltd (director)",
      "income_on_file": "About £54,000 a year in salary and dividends",
      "mobile_on_file": "07700 900163 (since 2016)",
      "email_on_file": "dan.mensah@example.com (since 2016)",
      "support_needs_recorded": "None",
      "products": [
        "Current account x5584",
        "Easy Access Saver x9917",
        "Debit card x3307",
        "Credit card x8820 (limit £6,000, paid in full monthly)",
        "Personal loan application (approved in principle 2026-10-06, not accepted)"
      ],
      "scam_history": "No earlier scam claims, held payments or fraud reports"
    },
    "accounts": [
      {
        "account": "Current account x5584",
        "opened": "2016-01-11",
        "balance_before_payment_gbp": 9870.76,
        "overdraft": "None arranged",
        "faster_payment_daily_limit_gbp": 10000,
        "limit_changes": []
      },
      {
        "account": "Easy Access Saver x9917",
        "opened": "2018-06-02",
        "balance_gbp": 19412.08,
        "recent_activity": "£1,500 in each month from the current account, plus interest. £6,000.00 moved to the current account on 2026-10-07 at 22:37 in the current session. Balance before today: £25,412.08."
      }
    ],
    "credit_applications": [
      {
        "ts": "2026-10-06T21:52:10+01:00",
        "product": "Personal loan",
        "channel": "In the app",
        "amount_gbp": 8000,
        "term_months": 36,
        "stated_purpose": "Car purchase",
        "status": "Approved in principle; offer not yet accepted",
        "note": "First credit application since his credit card in 2017. No car-related payments or searches in our records."
      }
    ],
    "monthly_summary": {
      "columns": [
        "month",
        "money_in_gbp",
        "money_out_gbp",
        "card_spending_gbp",
        "direct_debits_gbp",
        "payments_and_standing_orders_out_gbp",
        "payments_out_count",
        "cash_gbp",
        "largest_single_debit_gbp",
        "month_end_balance_gbp"
      ],
      "rows": [
        [
          "2025-10",
          4547.5,
          4086,
          808.89,
          1527.11,
          250,
          1,
          0,
          1500,
          3082.05
        ],
        [
          "2025-11",
          4547.5,
          3991.28,
          882.17,
          1359.11,
          250,
          1,
          0,
          1500,
          3638.27
        ],
        [
          "2025-12",
          4547.5,
          4092.79,
          983.68,
          1359.11,
          250,
          1,
          0,
          1500,
          4092.98
        ],
        [
          "2026-01",
          4547.5,
          3854.04,
          626.93,
          1527.11,
          200,
          1,
          0,
          1500,
          4786.44
        ],
        [
          "2026-02",
          4547.5,
          4260.63,
          983.52,
          1527.11,
          250,
          1,
          0,
          1500,
          5073.31
        ],
        [
          "2026-03",
          6857.5,
          5937.59,
          2610.48,
          1527.11,
          300,
          1,
          0,
          1500,
          5993.22
        ],
        [
          "2026-04",
          4547.5,
          3863.53,
          586.42,
          1527.11,
          250,
          1,
          0,
          1500,
          6677.19
        ],
        [
          "2026-05",
          4547.5,
          8743.32,
          1016.21,
          1527.11,
          200,
          1,
          0,
          4500,
          2481.37
        ],
        [
          "2026-06",
          4547.5,
          4530.86,
          1253.75,
          1527.11,
          250,
          1,
          0,
          1500,
          2498.01
        ],
        [
          "2026-07",
          4547.5,
          4168.19,
          891.08,
          1527.11,
          250,
          1,
          0,
          1500,
          2877.32
        ],
        [
          "2026-08",
          4547.5,
          5399.08,
          2121.97,
          1527.11,
          250,
          1,
          0,
          1500,
          2025.74
        ],
        [
          "2026-09",
          4547.5,
          4742.37,
          965.26,
          1527.11,
          750,
          2,
          0,
          1500,
          1830.87
        ]
      ]
    },
    "transactions": {
      "note": "Every posted item on current account x5584 since 2026-07-08; amounts signed (debits negative); balance after each item",
      "columns": [
        "ts",
        "type",
        "amount_gbp",
        "balance_gbp",
        "description",
        "detail"
      ],
      "rows": [
        [
          "2026-07-09T06:02:21+01:00",
          "internal_transfer_out",
          -1500,
          2598.45,
          "TO EASY ACCESS SAVER x9917",
          "monthly saving"
        ],
        [
          "2026-07-09T13:27:06+01:00",
          "card",
          -3.27,
          2595.18,
          "GAIL'S READING",
          "contactless"
        ],
        [
          "2026-07-09T21:06:23+01:00",
          "card",
          -50.23,
          2544.95,
          "THE NAG'S HEAD READING",
          "contactless"
        ],
        [
          "2026-07-10T19:30:08+01:00",
          "card",
          -37.31,
          2507.64,
          "WAITROSE 0733 READING",
          "chip and PIN"
        ],
        [
          "2026-07-10T19:35:01+01:00",
          "card",
          -37.7,
          2469.94,
          "DELIVEROO",
          "online, card on file"
        ],
        [
          "2026-07-11T19:14:11+01:00",
          "card",
          -21.55,
          2448.39,
          "UBER *EATS",
          "online, card on file"
        ],
        [
          "2026-07-11T20:03:37+01:00",
          "card",
          -28.08,
          2420.31,
          "LIDL GB READING",
          "contactless"
        ],
        [
          "2026-07-11T22:36:24+01:00",
          "card",
          -9.88,
          2410.43,
          "ZERODEGREES READING",
          "contactless"
        ],
        [
          "2026-07-12T20:48:42+01:00",
          "card",
          -65.91,
          2344.52,
          "LIDL GB READING",
          "Apple Pay"
        ],
        [
          "2026-07-13T06:17:14+01:00",
          "direct_debit",
          -18,
          2326.52,
          "VODAFONE LTD",
          "mobile"
        ],
        [
          "2026-07-13T08:36:33+01:00",
          "card",
          -9.04,
          2317.48,
          "COSTA COFFEE READING",
          "contactless"
        ],
        [
          "2026-07-13T21:36:42+01:00",
          "card",
          -24.64,
          2292.84,
          "DELIVEROO",
          "online, card on file"
        ],
        [
          "2026-07-14T19:21:14+01:00",
          "card",
          -28.7,
          2264.14,
          "JUST EAT",
          "online, card on file"
        ],
        [
          "2026-07-17T06:27:27+01:00",
          "card",
          -10.99,
          2253.15,
          "NETFLIX.COM",
          "recurring"
        ],
        [
          "2026-07-17T20:48:42+01:00",
          "card",
          -41.98,
          2211.17,
          "WAITROSE 0733 READING",
          "chip and PIN"
        ],
        [
          "2026-07-18T09:35:23+01:00",
          "card",
          -6.95,
          2204.22,
          "PRET A MANGER READING",
          "Apple Pay"
        ],
        [
          "2026-07-18T19:12:07+01:00",
          "card",
          -14.4,
          2189.82,
          "ZERODEGREES READING",
          "contactless"
        ],
        [
          "2026-07-19T09:27:50+01:00",
          "card",
          -6.62,
          2183.2,
          "COSTA COFFEE READING",
          "chip and PIN"
        ],
        [
          "2026-07-19T20:55:47+01:00",
          "card",
          -63.79,
          2119.41,
          "SAINSBURYS S/MKTS CAVERSHAM",
          "contactless"
        ],
        [
          "2026-07-20T12:36:27+01:00",
          "card",
          -6.83,
          2112.58,
          "GAIL'S READING",
          "Apple Pay"
        ],
        [
          "2026-07-21T06:39:29+01:00",
          "direct_debit",
          -56.5,
          2056.08,
          "SKY DIGITAL",
          "TV and broadband"
        ],
        [
          "2026-07-21T22:09:52+01:00",
          "card",
          -28.89,
          2027.19,
          "UBER *EATS",
          "online, 3-D Secure"
        ],
        [
          "2026-07-22T06:19:24+01:00",
          "card",
          -8.99,
          2018.2,
          "DISNEY PLUS",
          "recurring"
        ],
        [
          "2026-07-23T08:23:33+01:00",
          "card",
          -34.09,
          1984.11,
          "GWR READING",
          "Apple Pay"
        ],
        [
          "2026-07-23T19:47:30+01:00",
          "card",
          -33.23,
          1950.88,
          "THE NAG'S HEAD READING",
          "chip and PIN"
        ],
        [
          "2026-07-24T19:13:09+01:00",
          "card",
          -15.3,
          1935.58,
          "THE NAG'S HEAD READING",
          "chip and PIN"
        ],
        [
          "2026-07-27T10:46:36+01:00",
          "card",
          -9.03,
          1926.55,
          "COSTA COFFEE READING",
          "contactless"
        ],
        [
          "2026-07-28T06:24:43+01:00",
          "bacs_credit",
          1047.5,
          2974.05,
          "MENSAH DIGITAL LTD",
          "salary"
        ],
        [
          "2026-07-28T08:44:25+01:00",
          "card",
          -22.64,
          2951.41,
          "GWR READING",
          "Apple Pay"
        ],
        [
          "2026-07-28T10:51:53+01:00",
          "card",
          -6.13,
          2945.28,
          "PRET A MANGER READING",
          "contactless"
        ],
        [
          "2026-07-29T18:20:20+01:00",
          "card",
          -52.24,
          2893.04,
          "LIDL GB READING",
          "Apple Pay"
        ],
        [
          "2026-07-30T22:39:08+01:00",
          "card",
          -10.21,
          2882.83,
          "THE NAG'S HEAD READING",
          "contactless"
        ],
        [
          "2026-07-31T11:58:36+01:00",
          "card",
          -5.51,
          2877.32,
          "COSTA COFFEE READING",
          "chip and PIN"
        ],
        [
          "2026-08-01T20:27:18+01:00",
          "card",
          -44.27,
          2833.05,
          "ZERODEGREES READING",
          "contactless"
        ],
        [
          "2026-08-02T08:20:40+01:00",
          "card",
          -3.65,
          2829.4,
          "COSTA COFFEE READING",
          "Apple Pay"
        ],
        [
          "2026-08-03T06:29:55+01:00",
          "direct_debit",
          -1140.62,
          1688.78,
          "NATIONWIDE BS",
          "mortgage"
        ],
        [
          "2026-08-03T06:45:26+01:00",
          "direct_debit",
          -168,
          1520.78,
          "READING BOROUGH CNCL",
          "council tax, 10 instalments"
        ],
        [
          "2026-08-03T09:05:00+01:00",
          "faster_payment_in",
          3500,
          5020.78,
          "MENSAH DIGITAL LTD",
          "ref DIRECTOR LOAN REPAY"
        ],
        [
          "2026-08-03T11:39:08+01:00",
          "card",
          -4.66,
          5016.12,
          "GAIL'S READING",
          "contactless"
        ],
        [
          "2026-08-03T17:05:27+01:00",
          "faster_payment_out",
          -250,
          4766.12,
          "D J MENSAH",
          "saved payee, ref TALLIS 50192"
        ],
        [
          "2026-08-03T19:13:10+01:00",
          "card",
          -59.31,
          4706.81,
          "LIDL GB READING",
          "contactless"
        ],
        [
          "2026-08-04T06:30:23+01:00",
          "direct_debit",
          -39.99,
          4666.82,
          "THE GYM GROUP",
          "gym"
        ],
        [
          "2026-08-04T11:58:20+01:00",
          "card",
          -6.55,
          4660.27,
          "COSTA COFFEE READING",
          "contactless"
        ],
        [
          "2026-08-04T18:46:57+01:00",
          "card",
          -61.03,
          4599.24,
          "LIDL GB READING",
          "contactless"
        ],
        [
          "2026-08-05T20:01:40+01:00",
          "card",
          -26.9,
          4572.34,
          "TESCO STORES 2210 READING",
          "contactless"
        ],
        [
          "2026-08-06T06:05:13+01:00",
          "direct_debit",
          -104,
          4468.34,
          "OCTOPUS ENERGY",
          "gas and electricity"
        ],
        [
          "2026-08-06T07:38:31+01:00",
          "card",
          -4.47,
          4463.87,
          "TFL TRAVEL CH",
          "contactless"
        ],
        [
          "2026-08-07T06:09:51+01:00",
          "internal_transfer_out",
          -1500,
          2963.87,
          "TO EASY ACCESS SAVER x9917",
          "monthly saving"
        ],
        [
          "2026-08-07T09:02:57+01:00",
          "card",
          -3.42,
          2960.45,
          "PRET A MANGER READING",
          "Apple Pay"
        ],
        [
          "2026-08-08T19:56:12+01:00",
          "card",
          -19.27,
          2941.18,
          "ZERODEGREES READING",
          "contactless"
        ],
        [
          "2026-08-09T08:11:11+01:00",
          "card",
          -3.32,
          2937.86,
          "GAIL'S READING",
          "contactless"
        ],
        [
          "2026-08-10T18:53:08+01:00",
          "card",
          -49.94,
          2887.92,
          "SAINSBURYS S/MKTS CAVERSHAM",
          "contactless"
        ],
        [
          "2026-08-10T20:02:59+01:00",
          "card",
          -25.47,
          2862.45,
          "JUST EAT",
          "online, card on file"
        ],
        [
          "2026-08-11T08:05:19+01:00",
          "card",
          -6.06,
          2856.39,
          "GAIL'S READING",
          "chip and PIN"
        ],
        [
          "2026-08-11T20:50:19+01:00",
          "card",
          -38.49,
          2817.9,
          "JUST EAT",
          "online, card on file"
        ],
        [
          "2026-08-12T06:13:23+01:00",
          "direct_debit",
          -18,
          2799.9,
          "VODAFONE LTD",
          "mobile"
        ],
        [
          "2026-08-13T08:12:49+01:00",
          "card",
          -24.06,
          2775.84,
          "GWR READING",
          "contactless"
        ],
        [
          "2026-08-16T22:08:17+01:00",
          "card",
          -37.1,
          2738.74,
          "JUST EAT",
          "online, 3-D Secure"
        ],
        [
          "2026-08-17T06:40:21+01:00",
          "card",
          -10.99,
          2727.75,
          "NETFLIX.COM",
          "recurring"
        ],
        [
          "2026-08-19T07:29:23+01:00",
          "card",
          -25.03,
          2702.72,
          "GWR READING",
          "contactless"
        ],
        [
          "2026-08-19T20:44:17+01:00",
          "card",
          -50.69,
          2652.03,
          "WAITROSE 0733 READING",
          "Apple Pay"
        ],
        [
          "2026-08-20T19:02:44+01:00",
          "card",
          -61.24,
          2590.79,
          "WAITROSE 0733 READING",
          "Apple Pay"
        ],
        [
          "2026-08-20T20:33:03+01:00",
          "card",
          -47.48,
          2543.31,
          "THE NAG'S HEAD READING",
          "Apple Pay"
        ],
        [
          "2026-08-21T06:21:22+01:00",
          "direct_debit",
          -56.5,
          2486.81,
          "SKY DIGITAL",
          "TV and broadband"
        ],
        [
          "2026-08-21T06:48:11+01:00",
          "card",
          -8.99,
          2477.82,
          "DISNEY PLUS",
          "recurring"
        ],
        [
          "2026-08-21T21:09:29+01:00",
          "card",
          -32.25,
          2445.57,
          "JUST EAT",
          "online, 3-D Secure"
        ],
        [
          "2026-08-22T14:03:00+01:00",
          "card",
          -1249,
          1196.57,
          "APPLE STORE R245 READING",
          "chip and PIN"
        ],
        [
          "2026-08-24T18:42:35+01:00",
          "card",
          -54.39,
          1142.18,
          "WAITROSE 0733 READING",
          "contactless"
        ],
        [
          "2026-08-25T13:12:59+01:00",
          "card",
          -4.48,
          1137.7,
          "GAIL'S READING",
          "chip and PIN"
        ],
        [
          "2026-08-25T19:35:19+01:00",
          "card",
          -17.71,
          1119.99,
          "LIDL GB READING",
          "Apple Pay"
        ],
        [
          "2026-08-27T21:57:03+01:00",
          "card",
          -52.42,
          1067.57,
          "AMAZON.CO.UK*9X3",
          "online, 3-D Secure"
        ],
        [
          "2026-08-28T06:36:27+01:00",
          "bacs_credit",
          1047.5,
          2115.07,
          "MENSAH DIGITAL LTD",
          "salary"
        ],
        [
          "2026-08-29T17:37:31+01:00",
          "card",
          -59.89,
          2055.18,
          "TESCO STORES 2210 READING",
          "chip and PIN"
        ],
        [
          "2026-08-31T18:17:11+01:00",
          "card",
          -29.44,
          2025.74,
          "TESCO STORES 2210 READING",
          "contactless"
        ],
        [
          "2026-09-01T06:14:20+01:00",
          "direct_debit",
          -168,
          1857.74,
          "READING BOROUGH CNCL",
          "council tax, 10 instalments"
        ],
        [
          "2026-09-01T06:30:16+01:00",
          "direct_debit",
          -1140.62,
          717.12,
          "NATIONWIDE BS",
          "mortgage"
        ],
        [
          "2026-09-01T08:02:43+01:00",
          "card",
          -5.3,
          711.82,
          "TFL TRAVEL CH",
          "contactless"
        ],
        [
          "2026-09-02T09:05:00+01:00",
          "faster_payment_in",
          3500,
          4211.82,
          "MENSAH DIGITAL LTD",
          "ref DIVIDEND"
        ],
        [
          "2026-09-02T22:05:23+01:00",
          "card",
          -13.78,
          4198.04,
          "ARGOS LTD",
          "online, card on file"
        ],
        [
          "2026-09-03T13:31:35+01:00",
          "faster_payment_out",
          -250,
          3948.04,
          "D J MENSAH",
          "saved payee, ref TALLIS 50192"
        ],
        [
          "2026-09-03T23:18:24+01:00",
          "card",
          -50.64,
          3897.4,
          "THE NAG'S HEAD READING",
          "contactless"
        ],
        [
          "2026-09-04T06:47:32+01:00",
          "direct_debit",
          -39.99,
          3857.41,
          "THE GYM GROUP",
          "gym"
        ],
        [
          "2026-09-04T11:30:01+01:00",
          "card",
          -6.41,
          3851,
          "GAIL'S READING",
          "contactless"
        ],
        [
          "2026-09-04T21:02:18+01:00",
          "card",
          -11.43,
          3839.57,
          "FISHERMANS COTTAGE RDG",
          "chip and PIN"
        ],
        [
          "2026-09-05T20:25:19+01:00",
          "card",
          -34.31,
          3805.26,
          "ZERODEGREES READING",
          "contactless"
        ],
        [
          "2026-09-06T20:54:38+01:00",
          "card",
          -25.98,
          3779.28,
          "SAINSBURYS S/MKTS CAVERSHAM",
          "contactless"
        ],
        [
          "2026-09-07T06:31:25+01:00",
          "direct_debit",
          -104,
          3675.28,
          "OCTOPUS ENERGY",
          "gas and electricity"
        ],
        [
          "2026-09-07T20:07:33+01:00",
          "card",
          -19.25,
          3656.03,
          "TESCO STORES 2210 READING",
          "chip and PIN"
        ],
        [
          "2026-09-07T21:08:00+01:00",
          "card",
          -25.1,
          3630.93,
          "UBER *EATS",
          "online, card on file"
        ],
        [
          "2026-09-08T21:44:00+01:00",
          "card",
          -62.52,
          3568.41,
          "AMAZON.CO.UK*9X3",
          "online, card on file"
        ],
        [
          "2026-09-09T06:16:14+01:00",
          "internal_transfer_out",
          -1500,
          2068.41,
          "TO EASY ACCESS SAVER x9917",
          "monthly saving"
        ],
        [
          "2026-09-11T12:45:56+01:00",
          "card",
          -4.87,
          2063.54,
          "GAIL'S READING",
          "Apple Pay"
        ],
        [
          "2026-09-12T10:45:01+01:00",
          "card",
          -7.51,
          2056.03,
          "PRET A MANGER READING",
          "contactless"
        ],
        [
          "2026-09-12T19:57:03+01:00",
          "card",
          -44.05,
          2011.98,
          "LIDL GB READING",
          "contactless"
        ],
        [
          "2026-09-12T20:47:53+01:00",
          "card",
          -47.23,
          1964.75,
          "ZERODEGREES READING",
          "contactless"
        ],
        [
          "2026-09-12T23:39:22+01:00",
          "card",
          -45.25,
          1919.5,
          "PLAYSTATION NETWORK",
          "online, 3-D Secure"
        ],
        [
          "2026-09-13T09:28:21+01:00",
          "card",
          -5.38,
          1914.12,
          "COSTA COFFEE READING",
          "chip and PIN"
        ],
        [
          "2026-09-13T19:31:26+01:00",
          "card",
          -72.91,
          1841.21,
          "TESCO STORES 2210 READING",
          "contactless"
        ],
        [
          "2026-09-14T06:10:31+01:00",
          "direct_debit",
          -18,
          1823.21,
          "VODAFONE LTD",
          "mobile"
        ],
        [
          "2026-09-14T11:37:23+01:00",
          "card",
          -5.03,
          1818.18,
          "COSTA COFFEE READING",
          "chip and PIN"
        ],
        [
          "2026-09-15T20:50:03+01:00",
          "card",
          -27.18,
          1791,
          "UBER *EATS",
          "online, 3-D Secure"
        ],
        [
          "2026-09-16T11:05:56+01:00",
          "card",
          -4.51,
          1786.49,
          "GAIL'S READING",
          "chip and PIN"
        ],
        [
          "2026-09-16T17:32:19+01:00",
          "card",
          -38.2,
          1748.29,
          "SAINSBURYS S/MKTS CAVERSHAM",
          "contactless"
        ],
        [
          "2026-09-16T21:16:50+01:00",
          "card",
          -38.25,
          1710.04,
          "DELIVEROO",
          "online, 3-D Secure"
        ],
        [
          "2026-09-17T06:41:31+01:00",
          "card",
          -10.99,
          1699.05,
          "NETFLIX.COM",
          "recurring"
        ],
        [
          "2026-09-17T08:34:27+01:00",
          "card",
          -27.03,
          1672.02,
          "TFL TRAVEL CH",
          "contactless"
        ],
        [
          "2026-09-17T20:12:46+01:00",
          "card",
          -64.25,
          1607.77,
          "TESCO STORES 2210 READING",
          "chip and PIN"
        ],
        [
          "2026-09-18T12:51:30+01:00",
          "card",
          -6.79,
          1600.98,
          "COSTA COFFEE READING",
          "contactless"
        ],
        [
          "2026-09-19T20:07:12+01:00",
          "card",
          -37.92,
          1563.06,
          "JUST EAT",
          "online, 3-D Secure"
        ],
        [
          "2026-09-20T18:02:36+01:00",
          "card",
          -47.92,
          1515.14,
          "WAITROSE 0733 READING",
          "contactless"
        ],
        [
          "2026-09-21T06:35:56+01:00",
          "direct_debit",
          -56.5,
          1458.64,
          "SKY DIGITAL",
          "TV and broadband"
        ],
        [
          "2026-09-21T10:13:01+01:00",
          "card",
          -4.11,
          1454.53,
          "GAIL'S READING",
          "Apple Pay"
        ],
        [
          "2026-09-22T06:20:29+01:00",
          "card",
          -8.99,
          1445.54,
          "DISNEY PLUS",
          "recurring"
        ],
        [
          "2026-09-23T10:59:23+01:00",
          "card",
          -4.5,
          1441.04,
          "GAIL'S READING",
          "contactless"
        ],
        [
          "2026-09-23T18:26:32+01:00",
          "card",
          -30.7,
          1410.34,
          "TESCO STORES 2210 READING",
          "contactless"
        ],
        [
          "2026-09-24T08:03:52+01:00",
          "card",
          -6.34,
          1404,
          "COSTA COFFEE READING",
          "chip and PIN"
        ],
        [
          "2026-09-25T20:59:03+01:00",
          "card",
          -15.7,
          1388.3,
          "FISHERMANS COTTAGE RDG",
          "contactless"
        ],
        [
          "2026-09-26T14:12:44+01:00",
          "faster_payment_out",
          -500,
          888.3,
          "DANIEL MENSAH",
          "new payee (Erdwell Payments), ref CVN88213"
        ],
        [
          "2026-09-26T20:22:38+01:00",
          "card",
          -26.69,
          861.61,
          "WAITROSE 0733 READING",
          "contactless"
        ],
        [
          "2026-09-26T21:20:46+01:00",
          "card",
          -10.39,
          851.22,
          "THE NAG'S HEAD READING",
          "Apple Pay"
        ],
        [
          "2026-09-26T22:08:47+01:00",
          "card",
          -24.72,
          826.5,
          "JUST EAT",
          "online, 3-D Secure"
        ],
        [
          "2026-09-28T06:04:42+01:00",
          "bacs_credit",
          1047.5,
          1874,
          "MENSAH DIGITAL LTD",
          "salary"
        ],
        [
          "2026-09-28T13:06:42+01:00",
          "card",
          -4.68,
          1869.32,
          "GAIL'S READING",
          "Apple Pay"
        ],
        [
          "2026-09-30T07:04:35+01:00",
          "card",
          -34.27,
          1835.05,
          "GWR READING",
          "contactless"
        ],
        [
          "2026-09-30T09:53:48+01:00",
          "card",
          -4.18,
          1830.87,
          "PRET A MANGER READING",
          "chip and PIN"
        ],
        [
          "2026-10-01T06:40:52+01:00",
          "direct_debit",
          -1140.62,
          690.25,
          "NATIONWIDE BS",
          "mortgage"
        ],
        [
          "2026-10-01T06:43:21+01:00",
          "direct_debit",
          -168,
          522.25,
          "READING BOROUGH CNCL",
          "council tax, 10 instalments"
        ],
        [
          "2026-10-02T08:20:20+01:00",
          "card",
          -6.56,
          515.69,
          "PRET A MANGER READING",
          "contactless"
        ],
        [
          "2026-10-02T09:05:00+01:00",
          "faster_payment_in",
          3500,
          4015.69,
          "MENSAH DIGITAL LTD",
          "ref DIVIDEND"
        ],
        [
          "2026-10-02T16:48:02+01:00",
          "faster_payment_in",
          540,
          4555.69,
          "DANIEL MENSAH",
          "from Erdwell Payments, ref CVN WDL 88213"
        ],
        [
          "2026-10-02T20:42:48+01:00",
          "card",
          -37.44,
          4518.25,
          "STEAMGAMES.COM",
          "online, 3-D Secure"
        ],
        [
          "2026-10-02T20:53:23+01:00",
          "card",
          -36.71,
          4481.54,
          "JUST EAT",
          "online, card on file"
        ],
        [
          "2026-10-03T18:24:37+01:00",
          "card",
          -43.24,
          4438.3,
          "WAITROSE 0733 READING",
          "Apple Pay"
        ],
        [
          "2026-10-03T19:16:47+01:00",
          "card",
          -14.89,
          4423.41,
          "THE NAG'S HEAD READING",
          "chip and PIN"
        ],
        [
          "2026-10-04T19:58:51+01:00",
          "card",
          -64.54,
          4358.87,
          "WAITROSE 0733 READING",
          "Apple Pay"
        ],
        [
          "2026-10-05T06:16:00+01:00",
          "direct_debit",
          -39.99,
          4318.88,
          "THE GYM GROUP",
          "gym"
        ],
        [
          "2026-10-05T18:13:34+01:00",
          "faster_payment_out",
          -300,
          4018.88,
          "D J MENSAH",
          "saved payee, ref TALLIS 50192"
        ],
        [
          "2026-10-06T06:54:32+01:00",
          "direct_debit",
          -104,
          3914.88,
          "OCTOPUS ENERGY",
          "gas and electricity"
        ],
        [
          "2026-10-06T08:32:58+01:00",
          "card",
          -40.14,
          3874.74,
          "TFL TRAVEL CH",
          "contactless"
        ],
        [
          "2026-10-06T09:25:25+01:00",
          "card",
          -3.98,
          3870.76,
          "GAIL'S READING",
          "chip and PIN"
        ],
        [
          "2026-10-07T22:37:50+01:00",
          "internal_transfer_in",
          6000,
          9870.76,
          "FROM EASY ACCESS SAVER x9917",
          "own transfer, in the current session"
        ]
      ]
    },
    "payees": {
      "columns": [
        "payee",
        "sort_code",
        "account",
        "payee_bank",
        "added",
        "confirmation_of_payee_at_setup",
        "payments_12m",
        "paid_12m_gbp",
        "last_paid",
        "note"
      ],
      "rows": [
        [
          "D J MENSAH",
          "xx-xx-23",
          "x6015",
          "UK e-money firm used by Tallis Exchange",
          "2024-05-11",
          "Match",
          12,
          3000,
          "2026-10-05",
          "His deposit account at Tallis Exchange (on the FCA cryptoasset register). £2,310.00 came back from it on 2026-03-19."
        ],
        [
          "DANIEL MENSAH",
          "xx-xx-81",
          "x0377",
          "Erdwell Payments Ltd (UK e-money firm)",
          "2026-09-26",
          "Match",
          1,
          500,
          "2026-09-26",
          "Named account Erdwell issues for deposits to Corvane Markets. £540.00 came back from it on 2026-10-02."
        ],
        [
          "MENSAH DIGITAL LTD",
          "xx-xx-60",
          "x7741",
          "Large UK high-street bank",
          "2019-03-08",
          "Match (business account)",
          0,
          0,
          null,
          "His own company's account; payments in only in 12 months"
        ],
        [
          "KOFI MENSAH",
          "xx-xx-14",
          "x2209",
          "Large UK high-street bank",
          "2017-12-20",
          "Not checked (added before 2020)",
          2,
          350,
          "2026-07-30",
          "Brother"
        ]
      ]
    },
    "payment_pattern_12_months": {
      "payments_to_people_and_firms": 15,
      "new_payees_added": 1,
      "largest_payment_gbp": 500,
      "largest_payment_to": "DANIEL MENSAH (Erdwell Payments), 2026-09-26",
      "payments_over_2000_gbp": 0,
      "crypto_platform_payments": "Monthly £200 to £300 to his Tallis Exchange deposit account since May 2024 (about £7,100 in total); one withdrawal back of £2,310.00 in March 2026"
    },
    "devices": [
      {
        "device": "Pixel 8, our Android app",
        "registered": "2024-02-17",
        "how": "One-time code texted to 07700 900163 plus card reader",
        "last_used": "2026-10-07",
        "sessions_90_days": 79
      }
    ],
    "app_logins_last_30_days": {
      "columns": [
        "start",
        "device",
        "network",
        "authentication",
        "minutes",
        "activity"
      ],
      "rows": [
        [
          "2026-09-07T20:59:59+01:00",
          "Pixel 8, our Android app",
          "Home broadband, Reading",
          "Face ID",
          3,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-08T19:56:38+01:00",
          "Pixel 8, our Android app",
          "Home broadband, Reading",
          "Face ID",
          2.5,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-09T20:31:58+01:00",
          "Pixel 8, our Android app",
          "Home broadband, Reading",
          "Face ID",
          0.8,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-10T23:47:48+01:00",
          "Pixel 8, our Android app",
          "Home broadband, Reading",
          "Face ID",
          2.2,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-11T23:48:34+01:00",
          "Pixel 8, our Android app",
          "Home broadband, Reading",
          "Face ID",
          2.9,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-12T20:53:46+01:00",
          "Pixel 8, our Android app",
          "Home broadband, Reading",
          "Face ID",
          2.4,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-15T23:09:02+01:00",
          "Pixel 8, our Android app",
          "Home broadband, Reading",
          "Face ID",
          1.2,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-16T21:40:56+01:00",
          "Pixel 8, our Android app",
          "Home broadband, Reading",
          "Face ID",
          2.3,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-17T20:33:03+01:00",
          "Pixel 8, our Android app",
          "Home broadband, Reading",
          "Face ID",
          2.9,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-18T21:14:28+01:00",
          "Pixel 8, our Android app",
          "Home broadband, Reading",
          "Face ID",
          1.5,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-20T22:26:49+01:00",
          "Pixel 8, our Android app",
          "Home broadband, Reading",
          "Face ID",
          3.1,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-22T00:13:49+01:00",
          "Pixel 8, our Android app",
          "Home broadband, Reading",
          "Face ID",
          1.6,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-22T21:23:19+01:00",
          "Pixel 8, our Android app",
          "Home broadband, Reading",
          "Face ID",
          1.6,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-23T19:52:48+01:00",
          "Pixel 8, our Android app",
          "Home broadband, Reading",
          "Face ID",
          3.2,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-24T22:57:35+01:00",
          "Pixel 8, our Android app",
          "Home broadband, Reading",
          "Face ID",
          2,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-25T20:38:59+01:00",
          "Pixel 8, our Android app",
          "Home broadband, Reading",
          "Face ID",
          3.1,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-26T14:08:02+01:00",
          "Pixel 8, our Android app",
          "Home broadband, Reading",
          "Fingerprint",
          6.1,
          "Added payee DANIEL MENSAH (Erdwell Payments); paid £500.00 after investment questions"
        ],
        [
          "2026-09-26T21:49:26+01:00",
          "Pixel 8, our Android app",
          "Home broadband, Reading",
          "Face ID",
          2.5,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-28T21:21:56+01:00",
          "Pixel 8, our Android app",
          "Home broadband, Reading",
          "Face ID",
          1.6,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-29T22:15:04+01:00",
          "Pixel 8, our Android app",
          "Home broadband, Reading",
          "Face ID",
          1.4,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-30T23:56:02+01:00",
          "Pixel 8, our Android app",
          "Home broadband, Reading",
          "Face ID",
          1.7,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-10-01T20:10:03+01:00",
          "Pixel 8, our Android app",
          "Home broadband, Reading",
          "Face ID",
          1.4,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-10-02T17:30:11+01:00",
          "Pixel 8, our Android app",
          "Home broadband, Reading",
          "Fingerprint",
          1.1,
          "Viewed £540.00 credit"
        ],
        [
          "2026-10-02T19:41:16+01:00",
          "Pixel 8, our Android app",
          "Home broadband, Reading",
          "Face ID",
          1.7,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-10-03T11:02:40+01:00",
          "Pixel 8, our Android app",
          "Home broadband, Reading",
          "Fingerprint",
          4.4,
          "Sent secure message (see contact_history)"
        ],
        [
          "2026-10-03T21:31:08+01:00",
          "Pixel 8, our Android app",
          "Home broadband, Reading",
          "Face ID",
          1.4,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-10-04T22:05:23+01:00",
          "Pixel 8, our Android app",
          "Home broadband, Reading",
          "Face ID",
          1.3,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-10-05T18:12:34+01:00",
          "Pixel 8, our Android app",
          "Home broadband, Reading",
          "Fingerprint",
          1.3,
          "Paid D J MENSAH £300.00"
        ],
        [
          "2026-10-05T21:55:59+01:00",
          "Pixel 8, our Android app",
          "Home broadband, Reading",
          "Face ID",
          1.2,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-10-06T21:47:31+01:00",
          "Pixel 8, our Android app",
          "Home broadband, Reading",
          "Fingerprint",
          7.8,
          "Applied for an £8,000 personal loan (see credit_applications)"
        ],
        [
          "2026-10-06T22:27:55+01:00",
          "Pixel 8, our Android app",
          "Home broadband, Reading",
          "Face ID",
          0.6,
          "Viewed balances and recent transactions"
        ]
      ]
    },
    "contact_detail_changes": "None in the last 24 months",
    "contact_history": [
      {
        "ts": "2026-10-03T11:06:12+01:00",
        "channel": "Secure message in the app",
        "note": "Customer wrote: 'Why do I get a page of questions every time I pay my own account? It's in my name, I've already taken money out of it fine. Can you whitelist it?' Agent replied 2026-10-03 13:40: explained that we ask about investment payments to protect customers from scams and can't remove the questions; no further reply."
      }
    ],
    "earlier_scam_warnings": [
      {
        "ts": "2024-05-11T12:30:00+01:00",
        "payee": "D J MENSAH (Tallis Exchange)",
        "purpose_chosen": "Investment",
        "warning": "Investment and crypto warning",
        "seconds_on_screen": 16,
        "outcome": "Confirmed; paid £100.00"
      },
      {
        "ts": "2026-09-26T14:11:20+01:00",
        "payee": "DANIEL MENSAH (Erdwell Payments)",
        "purpose_chosen": "Investment",
        "answers": {
          "How did you hear about this investment?": "A friend or family member",
          "Have you been promised returns?": "No",
          "Has anyone helped you open the account or asked you to install an app to let them see your screen?": "No",
          "Have you checked the firm is authorised or registered with the FCA?": "Yes"
        },
        "warning": "Investment and crypto warning",
        "seconds_on_screen": 14,
        "outcome": "Confirmed; paid £500.00"
      }
    ],
    "current_session": {
      "device": "Pixel 8, our Android app (registered 2024-02-17), fingerprint",
      "network": "Home broadband, Reading (seen on 71 of his last 79 sessions), IP 192.0.2.88",
      "started": "2026-10-07T22:36:41+01:00",
      "events": {
        "columns": [
          "ts",
          "event",
          "detail"
        ],
        "rows": [
          [
            "2026-10-07T22:36:41+01:00",
            "Login",
            "Fingerprint"
          ],
          [
            "2026-10-07T22:37:50+01:00",
            "Own transfer",
            "£6,000.00 from Easy Access Saver x9917 to current account x5584"
          ],
          [
            "2026-10-07T22:38:31+01:00",
            "Payment started",
            "Saved payee DANIEL MENSAH (Erdwell Payments), added 2026-09-26"
          ],
          [
            "2026-10-07T22:38:52+01:00",
            "Purpose chosen",
            "Investment"
          ],
          [
            "2026-10-07T22:38:53+01:00",
            "Questions shown",
            "Investment questions (amount more than 5 times the last payment to this payee)"
          ],
          [
            "2026-10-07T22:40:17+01:00",
            "Investment warning shown",
            "'Criminals set up fake trading platforms that show big profits and let you take out small amounts to win your trust. Check the FCA register and Warning List, and never invest because someone you met online or on social media told you to.'"
          ],
          [
            "2026-10-07T22:40:29+01:00",
            "Investment warning",
            "Customer chose 'I understand, continue' after 12 s"
          ],
          [
            "2026-10-07T22:41:09+01:00",
            "Payment submitted",
            "£6,000.00 to DANIEL MENSAH, reference 'CVN88213'"
          ]
        ]
      },
      "behaviour_signals": {
        "source": "Our device and behaviour vendor's SDK in the app",
        "voice_call": "No phone call during the session",
        "remote_access_or_screen_sharing": "None detected; no accessibility services or screen-recording apps active",
        "payee_details_entry": "Saved payee; nothing typed",
        "reference_entry": "Typed in one burst, 'CVN88213'",
        "answer_timing": "Answered the four investment questions in 1 min 24 s, in line with his earlier answers",
        "session_length": "4 min 28 s to submission; his median session is 2 min 10 s",
        "time_of_day": "22:36; 38% of his sessions in 90 days started after 22:00",
        "vendor_scam_score": "22 of 100 (vendor's reasons: payment to an investment platform; savings moved in during the session)"
      }
    },
    "payment_under_review": {
      "payment_id": "FPO-20261007-2241-90217",
      "scheme": "Faster Payments, single immediate payment",
      "from_account": "Current account x5584",
      "amount_gbp": 6000,
      "balance_after_gbp": 3870.76,
      "payee": {
        "name": "DANIEL MENSAH",
        "account_type": "Personal",
        "sort_code": "xx-xx-81",
        "account": "x0377",
        "payee_bank": "Erdwell Payments Ltd, an FCA-authorised e-money institution",
        "first_payment_to_payee": false,
        "earlier_payments": "£500.00 on 2026-09-26; £540.00 received back from this account on 2026-10-02"
      },
      "reference": "CVN88213",
      "confirmation_of_payee": {
        "result": "Match (checked when the payee was added on 2026-09-26)",
        "code": null,
        "name_returned": null
      },
      "purpose_and_answers": {
        "purpose": "Investment",
        "How did you hear about this investment?": "A friend or family member",
        "Have you been promised returns?": "No",
        "Has anyone helped you open the account or asked you to install an app to let them see your screen?": "No",
        "Can you take your money out when you want to?": "Yes, I've done it before"
      },
      "payee_intelligence": {
        "source": "Our payments consortium's shared receiving-account data, our platform screening and our own payment records",
        "account_opened": "2026-09-25 (one day before his first payment)",
        "account_use": "Erdwell issues named accounts to customers of several trading and crypto platforms; this one is for deposits to Corvane Markets (reference prefix CVN). Inbound to this account: only his two payments. Erdwell doesn't share where money goes after it arrives.",
        "platform_checks": "Corvane Markets: not on the FCA cryptoasset register; not on the FCA Warning List (checked 2026-10-07); website domain registered 2026-05-14",
        "consortium_reports": "No reports on this account. 2 investment scam reports from other banks in the last 90 days on payments to other Erdwell accounts for Corvane deposits; 37 payers at 6 banks paid Corvane deposit accounts in the last 30 days",
        "our_other_customers": "3 other customers of ours pay Corvane deposit accounts at Erdwell. One reported on 2026-09-30 that Corvane is a scam she was introduced to through a messaging-app trading group (claim open, not yet confirmed). The other two have each had money paid back from their Corvane accounts (£1,900.00 and £3,200.00) and have not reported a problem.",
        "consortium_mule_risk": "Not scored (named account in the payer's own name)"
      },
      "rules_fired": [
        "SP-12 Savings moved into the current account less than 30 minutes before the payment",
        "SP-15 Payment more than 5 times the customer's largest payment in 12 months",
        "SP-24 Payment to a crypto platform not on the FCA cryptoasset register",
        "SP-25 Payee linked to an open scam claim by another customer",
        "SP-27 Credit application in the 48 hours before an investment payment"
      ],
      "our_scam_model": "714 of 999 (warn from 500, hold from 700)"
    }
  },
  "questions": {
    "deceived": {
      "type": "noul",
      "instructions": "Is the customer making the payment under review because someone has deceived them, so that the money would go to a scammer or to an account a scammer controls? Answer from the sending bank's point of view, using what the record shows at this moment."
    },
    "scam_type": {
      "type": "choice",
      "instructions": "If the payment under review is part of a scam, which type is it? The options follow UK Finance's categories of authorised push payment (APP) scams. Choose none if the customer is not being deceived.",
      "criteria": {
        "purchase": "Purchase: paying for goods, a vehicle, a rental or services that don't exist or will never arrive",
        "investment": "Investment: paying into a fake or fraudulent investment, including crypto trading platforms, on a promise of high returns",
        "romance": "Romance: sending money to someone met online who built a relationship with the customer",
        "advance_fee": "Advance fee: paying a fee or tax up front to release a larger sum, a prize, a loan or a job, including task-based job scams",
        "invoice_mandate": "Invoice and mandate: paying a real bill, such as a solicitor, builder or supplier, to bank details a criminal substituted",
        "impersonation_police_bank": "Impersonation of police or bank staff: told to move money to a safe account or help an investigation",
        "impersonation_other": "Impersonation of anyone else: a government department, a utility, a delivery or tech company, or a family member or friend with a new number",
        "none": "None: the customer is not being deceived"
      }
    },
    "coached": {
      "type": "noul",
      "instructions": "Is a scammer directing the customer through this payment as it happens, for example on a phone call during the session, through remote access to the device, or by telling them how to answer our payment questions? If so, an on-screen warning is unlikely to stop the payment."
    },
    "action": {
      "type": "choice",
      "instructions": "What should the bank do with the payment under review, before it is sent?",
      "criteria": {
        "release": "Release: send the payment now",
        "warn": "Warn: show a warning written for the most likely scam type, and send the payment only if the customer confirms after reading it",
        "hold_and_call": "Hold and call: keep the payment unsent until a fraud specialist has spoken to the customer on the phone number on file, then send or cancel it depending on that conversation",
        "block": "Block: refuse the payment and further payments to this payee, stop payments to new payees, and have a fraud specialist contact the customer to explain the scam"
      }
    }
  }
}