{
  "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-20418833",
      "name": "Margaret A. Thursby",
      "age": 71,
      "customer_since": "1994-06-03",
      "home": "Harrogate, North Yorkshire (HG2); at this address since 1988",
      "occupation": "Retired (school administrator)",
      "income_on_file": "State Pension and a local government pension, about £1,960 a month",
      "mobile_on_file": "07700 900184 (since 2012)",
      "email_on_file": "m.thursby@example.net (since 2015)",
      "support_needs_recorded": "2025-02-11: bereavement (husband died January 2025); prefers phone calls to letters. No other needs recorded.",
      "products": [
        "Current account x4471",
        "Easy Access Saver x8803",
        "Debit card x6620"
      ],
      "scam_history": "No earlier scam claims, held payments or fraud reports"
    },
    "accounts": [
      {
        "account": "Current account x4471",
        "opened": "1994-06-03",
        "owners": "Sole since 2025-03-04 (previously joint with Peter J. Thursby, deceased)",
        "balance_before_payment_gbp": 10557.8,
        "overdraft": "None arranged",
        "faster_payment_daily_limit_gbp": 10000,
        "limit_changes": [
          "2026-10-06 11:05: daily limit raised in the app from £2,500 to £10,000, confirmed with a one-time code texted to 07700 900184"
        ]
      },
      {
        "account": "Easy Access Saver x8803",
        "opened": "2009-10-14",
        "balance_gbp": 5512.66,
        "recent_activity": "Interest monthly (£31 to £33). Withdrawals to x4471 of £500.00 on 2026-02-24, £1,000.00 on 2026-03-16 and £8,800.00 on 2026-10-06 at 10:59 in the current session. Balance before today: £14,312.66."
      }
    ],
    "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",
          1836.39,
          2101.32,
          804.78,
          441.54,
          75,
          3,
          180,
          600,
          1379.19
        ],
        [
          "2025-11",
          1836.39,
          1475.94,
          468.4,
          229.54,
          118,
          3,
          60,
          600,
          1739.64
        ],
        [
          "2025-12",
          1836.39,
          1723.91,
          359.37,
          229.54,
          275,
          4,
          260,
          600,
          1852.12
        ],
        [
          "2026-01",
          1836.39,
          2023.19,
          676.65,
          441.54,
          135,
          4,
          170,
          600,
          1665.32
        ],
        [
          "2026-02",
          2336.39,
          1632.07,
          365.53,
          441.54,
          75,
          3,
          150,
          600,
          2369.64
        ],
        [
          "2026-03",
          3825.59,
          2873.48,
          484.94,
          441.54,
          1257,
          5,
          90,
          1150,
          3321.75
        ],
        [
          "2026-04",
          1878.79,
          1799.55,
          472.71,
          443.84,
          43,
          2,
          240,
          600,
          3400.99
        ],
        [
          "2026-05",
          1878.79,
          1863.41,
          397.57,
          443.84,
          152,
          4,
          270,
          600,
          3416.37
        ],
        [
          "2026-06",
          1878.79,
          2524.28,
          591.44,
          443.84,
          749,
          5,
          140,
          640,
          2770.88
        ],
        [
          "2026-07",
          1878.79,
          2588.63,
          1261.79,
          443.84,
          163,
          3,
          120,
          600,
          2061.04
        ],
        [
          "2026-08",
          1903.78,
          1922.46,
          561.62,
          443.84,
          77,
          3,
          240,
          600,
          2042.36
        ],
        [
          "2026-09",
          1878.79,
          1654.87,
          402.03,
          443.84,
          159,
          5,
          50,
          600,
          2266.28
        ]
      ]
    },
    "transactions": {
      "note": "Every posted item on current account x4471 since 2026-07-07; amounts signed (debits negative); balance after each item",
      "columns": [
        "ts",
        "type",
        "amount_gbp",
        "balance_gbp",
        "description",
        "detail"
      ],
      "rows": [
        [
          "2026-07-07T13:00:10+01:00",
          "card",
          -23.81,
          1805.55,
          "SUPERDRUG HARROGATE",
          "contactless"
        ],
        [
          "2026-07-08T13:11:08+01:00",
          "card",
          -8.14,
          1797.41,
          "THE OLD FOX TEAROOM KNARESBORO",
          "contactless"
        ],
        [
          "2026-07-08T15:59:53+01:00",
          "card",
          -52.55,
          1744.86,
          "WAITROSE 0412 HARROGATE",
          "chip and PIN"
        ],
        [
          "2026-07-09T18:24:35+01:00",
          "faster_payment_out",
          -18,
          1726.86,
          "D WALSH WINDOWS",
          "window cleaner, saved payee"
        ],
        [
          "2026-07-11T13:52:03+01:00",
          "card",
          -22.39,
          1704.47,
          "BRIARDALE GARDEN CTR",
          "contactless"
        ],
        [
          "2026-07-11T14:37:54+01:00",
          "card",
          -27.73,
          1676.74,
          "MORRISONS 0187 HARROGATE",
          "contactless"
        ],
        [
          "2026-07-12T12:44:36+01:00",
          "card",
          -34.99,
          1641.75,
          "WATERSTONES HARROGATE",
          "Apple Pay"
        ],
        [
          "2026-07-13T06:12:20+01:00",
          "direct_debit",
          -27.81,
          1613.94,
          "DALE & FELL HOME INS",
          "home insurance"
        ],
        [
          "2026-07-14T09:59:50+01:00",
          "card",
          -40.1,
          1573.84,
          "M&S SIMPLY FOOD HARROGATE",
          "Apple Pay"
        ],
        [
          "2026-07-14T13:01:38+01:00",
          "card",
          -21.86,
          1551.98,
          "OXFAM SHOP HARROGATE",
          "contactless"
        ],
        [
          "2026-07-15T06:23:50+01:00",
          "direct_debit",
          -38.5,
          1513.48,
          "YORKSHIRE WATER",
          "water"
        ],
        [
          "2026-07-15T14:53:08+01:00",
          "card",
          -64.29,
          1449.19,
          "WAITROSE 0412 HARROGATE",
          "Apple Pay"
        ],
        [
          "2026-07-17T10:45:57+01:00",
          "cash_withdrawal",
          -60,
          1389.19,
          "LINK ATM HARROGATE STN PDE",
          "our ATM"
        ],
        [
          "2026-07-17T12:24:57+01:00",
          "card",
          -8.05,
          1381.14,
          "BETTYS HARROGATE",
          "contactless"
        ],
        [
          "2026-07-17T14:42:48+01:00",
          "card",
          -53.03,
          1328.11,
          "M&S SIMPLY FOOD HARROGATE",
          "contactless"
        ],
        [
          "2026-07-18T10:21:56+01:00",
          "card",
          -27.94,
          1300.17,
          "WAITROSE 0412 HARROGATE",
          "contactless"
        ],
        [
          "2026-07-19T10:54:45+01:00",
          "card",
          -18.87,
          1281.3,
          "OXFAM SHOP HARROGATE",
          "contactless"
        ],
        [
          "2026-07-19T13:09:33+01:00",
          "card",
          -16.05,
          1265.25,
          "MORRISONS 0187 HARROGATE",
          "chip and PIN"
        ],
        [
          "2026-07-20T06:02:25+01:00",
          "direct_debit",
          -10,
          1255.25,
          "AIR AMBULANCE APPEAL",
          "charity"
        ],
        [
          "2026-07-20T06:03:36+01:00",
          "direct_debit",
          -44.99,
          1210.26,
          "BT GROUP PLC",
          "phone and broadband"
        ],
        [
          "2026-07-20T10:40:00+01:00",
          "card",
          -20.09,
          1190.17,
          "BRIARDALE GARDEN CTR",
          "contactless"
        ],
        [
          "2026-07-20T11:34:23+01:00",
          "card",
          -9.58,
          1180.59,
          "THE OLD FOX TEAROOM KNARESBORO",
          "Apple Pay"
        ],
        [
          "2026-07-21T06:34:39+01:00",
          "bacs_credit",
          1031.6,
          2212.19,
          "DWP SP",
          "State Pension, every 4 weeks"
        ],
        [
          "2026-07-22T14:32:51+01:00",
          "card",
          -7.22,
          2204.97,
          "BRIARDALE GARDEN CTR",
          "contactless"
        ],
        [
          "2026-07-23T10:51:16+01:00",
          "card",
          -66.58,
          2138.39,
          "MORRISONS 0187 HARROGATE",
          "contactless"
        ],
        [
          "2026-07-23T12:26:38+01:00",
          "card",
          -11.32,
          2127.07,
          "HARROGATE BUS CO",
          "chip and PIN"
        ],
        [
          "2026-07-24T16:29:14+01:00",
          "faster_payment_out",
          -120,
          2007.07,
          "JAMES THURSBY",
          "saved payee, ref holiday money"
        ],
        [
          "2026-07-25T10:04:29+01:00",
          "card",
          -13.77,
          1993.3,
          "BETTYS HARROGATE",
          "chip and PIN"
        ],
        [
          "2026-07-27T06:39:21+01:00",
          "bacs_credit",
          847.19,
          2840.49,
          "LGPS PENSION PAYROLL",
          "occupational pension"
        ],
        [
          "2026-07-27T10:48:13+01:00",
          "card",
          -28.41,
          2812.08,
          "WAITROSE 0412 HARROGATE",
          "contactless"
        ],
        [
          "2026-07-28T06:42:05+01:00",
          "internal_transfer_out",
          -600,
          2212.08,
          "TO EASY ACCESS SAVER x8803",
          "monthly saving, standing transfer"
        ],
        [
          "2026-07-29T11:49:36+01:00",
          "card",
          -20.72,
          2191.36,
          "WATERSTONES HARROGATE",
          "contactless"
        ],
        [
          "2026-07-30T10:10:05+01:00",
          "card",
          -53.27,
          2138.09,
          "WAITROSE 0412 HARROGATE",
          "Apple Pay"
        ],
        [
          "2026-07-31T12:03:31+01:00",
          "card",
          -30.34,
          2107.75,
          "WATERSTONES HARROGATE",
          "contactless"
        ],
        [
          "2026-07-31T14:57:52+01:00",
          "card",
          -46.71,
          2061.04,
          "M&S SIMPLY FOOD HARROGATE",
          "Apple Pay"
        ],
        [
          "2026-08-01T11:24:30+01:00",
          "card",
          -10.19,
          2050.85,
          "CAFE NERO HARROGATE",
          "contactless"
        ],
        [
          "2026-08-01T15:19:11+01:00",
          "card",
          -33.85,
          2017,
          "M&S SIMPLY FOOD HARROGATE",
          "Apple Pay"
        ],
        [
          "2026-08-03T06:12:08+01:00",
          "direct_debit",
          -14.54,
          2002.46,
          "TV LICENCE MBP",
          "TV licence"
        ],
        [
          "2026-08-03T06:19:56+01:00",
          "standing_order",
          -25,
          1977.46,
          "E THURSBY JISA",
          "standing order to granddaughter's Junior ISA"
        ],
        [
          "2026-08-03T06:24:36+01:00",
          "direct_debit",
          -212,
          1765.46,
          "NORTH YORKS CNCL CTAX",
          "council tax, 10 instalments"
        ],
        [
          "2026-08-03T11:00:32+01:00",
          "faster_payment_out",
          -32,
          1733.46,
          "S PRICE HAIR",
          "saved payee, ref HAIR"
        ],
        [
          "2026-08-03T13:53:43+01:00",
          "card",
          -37.37,
          1696.09,
          "M&S SIMPLY FOOD HARROGATE",
          "contactless"
        ],
        [
          "2026-08-04T09:52:29+01:00",
          "card",
          -14.68,
          1681.41,
          "M&S SIMPLY FOOD HARROGATE",
          "contactless"
        ],
        [
          "2026-08-04T15:01:05+01:00",
          "card",
          -6.72,
          1674.69,
          "THE OLD FOX TEAROOM KNARESBORO",
          "chip and PIN"
        ],
        [
          "2026-08-05T06:58:59+01:00",
          "direct_debit",
          -96,
          1578.69,
          "OCTOPUS ENERGY",
          "gas and electricity"
        ],
        [
          "2026-08-06T14:40:06+01:00",
          "card",
          -14.45,
          1564.24,
          "M&S SIMPLY FOOD HARROGATE",
          "chip and PIN"
        ],
        [
          "2026-08-07T11:08:46+01:00",
          "card",
          -12.21,
          1552.03,
          "BOOTS 1123 HARROGATE",
          "chip and PIN"
        ],
        [
          "2026-08-07T11:29:18+01:00",
          "cash_withdrawal",
          -100,
          1452.03,
          "LINK ATM HARROGATE STN PDE",
          "our ATM"
        ],
        [
          "2026-08-07T12:22:11+01:00",
          "card",
          -15.71,
          1436.32,
          "CAFE NERO HARROGATE",
          "Apple Pay"
        ],
        [
          "2026-08-08T13:12:46+01:00",
          "card",
          -5.36,
          1430.96,
          "BETTYS HARROGATE",
          "contactless"
        ],
        [
          "2026-08-10T13:24:28+01:00",
          "faster_payment_out",
          -20,
          1410.96,
          "D WALSH WINDOWS",
          "window cleaner, saved payee"
        ],
        [
          "2026-08-10T14:24:30+01:00",
          "card",
          -22.26,
          1388.7,
          "MORRISONS 0187 HARROGATE",
          "chip and PIN"
        ],
        [
          "2026-08-12T06:16:43+01:00",
          "direct_debit",
          -27.81,
          1360.89,
          "DALE & FELL HOME INS",
          "home insurance"
        ],
        [
          "2026-08-12T10:41:25+01:00",
          "card",
          -26.95,
          1333.94,
          "M&S SIMPLY FOOD HARROGATE",
          "contactless"
        ],
        [
          "2026-08-13T14:56:35+01:00",
          "card",
          -19.5,
          1314.44,
          "CAFE NERO HARROGATE",
          "contactless"
        ],
        [
          "2026-08-15T13:44:43+01:00",
          "card",
          -36.98,
          1277.46,
          "WAITROSE 0412 HARROGATE",
          "Apple Pay"
        ],
        [
          "2026-08-15T14:12:43+01:00",
          "card",
          -26.74,
          1250.72,
          "AMZNMKTPLACE",
          "online, 3-D Secure"
        ],
        [
          "2026-08-17T06:49:19+01:00",
          "direct_debit",
          -38.5,
          1212.22,
          "YORKSHIRE WATER",
          "water"
        ],
        [
          "2026-08-18T06:30:38+01:00",
          "bacs_credit",
          1031.6,
          2243.82,
          "DWP SP",
          "State Pension, every 4 weeks"
        ],
        [
          "2026-08-18T06:54:09+01:00",
          "direct_debit",
          -44.99,
          2198.83,
          "BT GROUP PLC",
          "phone and broadband"
        ],
        [
          "2026-08-18T13:10:57+01:00",
          "card",
          -17.65,
          2181.18,
          "BETTYS HARROGATE",
          "contactless"
        ],
        [
          "2026-08-19T12:11:00+01:00",
          "card_refund",
          24.99,
          2206.17,
          "AMAZON.CO.UK*2K4",
          "refund"
        ],
        [
          "2026-08-20T06:49:05+01:00",
          "direct_debit",
          -10,
          2196.17,
          "AIR AMBULANCE APPEAL",
          "charity"
        ],
        [
          "2026-08-21T12:18:20+01:00",
          "card",
          -16.39,
          2179.78,
          "BETTYS HARROGATE",
          "contactless"
        ],
        [
          "2026-08-21T12:21:36+01:00",
          "cash_withdrawal",
          -100,
          2079.78,
          "LINK ATM HARROGATE STN PDE",
          "our ATM"
        ],
        [
          "2026-08-23T10:38:41+01:00",
          "card",
          -55.86,
          2023.92,
          "M&S SIMPLY FOOD HARROGATE",
          "contactless"
        ],
        [
          "2026-08-24T10:28:12+01:00",
          "card",
          -17.96,
          2005.96,
          "WAITROSE 0412 HARROGATE",
          "Apple Pay"
        ],
        [
          "2026-08-25T10:23:20+01:00",
          "card",
          -26.22,
          1979.74,
          "BRIARDALE GARDEN CTR",
          "chip and PIN"
        ],
        [
          "2026-08-26T09:55:54+01:00",
          "card",
          -59.36,
          1920.38,
          "MORRISONS 0187 HARROGATE",
          "chip and PIN"
        ],
        [
          "2026-08-26T15:55:31+01:00",
          "card",
          -23.36,
          1897.02,
          "AMZNMKTPLACE",
          "online, 3-D Secure"
        ],
        [
          "2026-08-27T06:22:01+01:00",
          "bacs_credit",
          847.19,
          2744.21,
          "LGPS PENSION PAYROLL",
          "occupational pension"
        ],
        [
          "2026-08-28T06:55:47+01:00",
          "internal_transfer_out",
          -600,
          2144.21,
          "TO EASY ACCESS SAVER x8803",
          "monthly saving, standing transfer"
        ],
        [
          "2026-08-28T10:02:36+01:00",
          "cash_withdrawal",
          -40,
          2104.21,
          "LINK ATM HARROGATE STN PDE",
          "our ATM"
        ],
        [
          "2026-08-28T14:24:59+01:00",
          "card",
          -22.69,
          2081.52,
          "MORRISONS 0187 HARROGATE",
          "contactless"
        ],
        [
          "2026-08-30T09:34:38+01:00",
          "card",
          -4.35,
          2077.17,
          "HARROGATE BUS CO",
          "chip and PIN"
        ],
        [
          "2026-08-30T13:17:16+01:00",
          "card",
          -16.35,
          2060.82,
          "BETTYS HARROGATE",
          "contactless"
        ],
        [
          "2026-08-31T10:08:21+01:00",
          "card",
          -18.46,
          2042.36,
          "CAFE NERO HARROGATE",
          "contactless"
        ],
        [
          "2026-09-01T06:04:31+01:00",
          "direct_debit",
          -212,
          1830.36,
          "NORTH YORKS CNCL CTAX",
          "council tax, 10 instalments"
        ],
        [
          "2026-09-01T06:47:34+01:00",
          "direct_debit",
          -14.54,
          1815.82,
          "TV LICENCE MBP",
          "TV licence"
        ],
        [
          "2026-09-01T10:35:47+01:00",
          "faster_payment_out",
          -32,
          1783.82,
          "S PRICE HAIR",
          "saved payee, ref HAIR"
        ],
        [
          "2026-09-01T12:27:25+01:00",
          "card",
          -14.28,
          1769.54,
          "WATERSTONES HARROGATE",
          "contactless"
        ],
        [
          "2026-09-03T06:17:19+01:00",
          "standing_order",
          -25,
          1744.54,
          "E THURSBY JISA",
          "standing order to granddaughter's Junior ISA"
        ],
        [
          "2026-09-04T11:47:01+01:00",
          "cash_withdrawal",
          -50,
          1694.54,
          "LINK ATM HARROGATE STN PDE",
          "our ATM"
        ],
        [
          "2026-09-05T09:28:10+01:00",
          "card",
          -6.94,
          1687.6,
          "HARROGATE BUS CO",
          "contactless"
        ],
        [
          "2026-09-06T14:30:11+01:00",
          "card",
          -57.85,
          1629.75,
          "WAITROSE 0412 HARROGATE",
          "Apple Pay"
        ],
        [
          "2026-09-07T06:31:41+01:00",
          "direct_debit",
          -96,
          1533.75,
          "OCTOPUS ENERGY",
          "gas and electricity"
        ],
        [
          "2026-09-09T09:51:09+01:00",
          "card",
          -8.9,
          1524.85,
          "HARROGATE BUS CO",
          "contactless"
        ],
        [
          "2026-09-09T11:59:29+01:00",
          "card",
          -16.94,
          1507.91,
          "SUPERDRUG HARROGATE",
          "contactless"
        ],
        [
          "2026-09-09T18:05:28+01:00",
          "faster_payment_out",
          -20,
          1487.91,
          "D WALSH WINDOWS",
          "window cleaner, saved payee"
        ],
        [
          "2026-09-11T11:17:27+01:00",
          "faster_payment_out",
          -50,
          1437.91,
          "JAMES THURSBY",
          "saved payee, ref FROM MUM"
        ],
        [
          "2026-09-11T11:28:01+01:00",
          "card",
          -32.01,
          1405.9,
          "MORRISONS 0187 HARROGATE",
          "contactless"
        ],
        [
          "2026-09-12T14:39:42+01:00",
          "card",
          -20.95,
          1384.95,
          "AMZNMKTPLACE",
          "online, card on file"
        ],
        [
          "2026-09-13T13:13:00+01:00",
          "card",
          -25.62,
          1359.33,
          "MORRISONS 0187 HARROGATE",
          "chip and PIN"
        ],
        [
          "2026-09-14T06:00:06+01:00",
          "direct_debit",
          -27.81,
          1331.52,
          "DALE & FELL HOME INS",
          "home insurance"
        ],
        [
          "2026-09-15T06:05:31+01:00",
          "direct_debit",
          -38.5,
          1293.02,
          "YORKSHIRE WATER",
          "water"
        ],
        [
          "2026-09-15T06:17:32+01:00",
          "bacs_credit",
          1031.6,
          2324.62,
          "DWP SP",
          "State Pension, every 4 weeks"
        ],
        [
          "2026-09-15T09:57:01+01:00",
          "card",
          -50.01,
          2274.61,
          "M&S SIMPLY FOOD HARROGATE",
          "contactless"
        ],
        [
          "2026-09-16T13:00:38+01:00",
          "card",
          -7.24,
          2267.37,
          "CAFE NERO HARROGATE",
          "contactless"
        ],
        [
          "2026-09-18T06:38:46+01:00",
          "direct_debit",
          -44.99,
          2222.38,
          "BT GROUP PLC",
          "phone and broadband"
        ],
        [
          "2026-09-20T10:08:03+01:00",
          "card",
          -18.41,
          2203.97,
          "BETTYS HARROGATE",
          "chip and PIN"
        ],
        [
          "2026-09-21T06:41:16+01:00",
          "direct_debit",
          -10,
          2193.97,
          "AIR AMBULANCE APPEAL",
          "charity"
        ],
        [
          "2026-09-22T12:04:22+01:00",
          "card",
          -16.22,
          2177.75,
          "BOOTS 1123 HARROGATE",
          "contactless"
        ],
        [
          "2026-09-24T10:36:26+01:00",
          "card",
          -26.39,
          2151.36,
          "WAITROSE 0412 HARROGATE",
          "Apple Pay"
        ],
        [
          "2026-09-24T10:50:06+01:00",
          "card",
          -16.91,
          2134.45,
          "BETTYS HARROGATE",
          "contactless"
        ],
        [
          "2026-09-25T06:15:36+01:00",
          "bacs_credit",
          847.19,
          2981.64,
          "LGPS PENSION PAYROLL",
          "occupational pension"
        ],
        [
          "2026-09-25T09:32:54+01:00",
          "card",
          -25.39,
          2956.25,
          "M&S SIMPLY FOOD HARROGATE",
          "Apple Pay"
        ],
        [
          "2026-09-26T14:13:45+01:00",
          "card",
          -18.33,
          2937.92,
          "BOOTS 1123 HARROGATE",
          "chip and PIN"
        ],
        [
          "2026-09-27T12:30:13+01:00",
          "card",
          -17.74,
          2920.18,
          "CAFE NERO HARROGATE",
          "contactless"
        ],
        [
          "2026-09-27T14:50:29+01:00",
          "card",
          -16.82,
          2903.36,
          "WATERSTONES HARROGATE",
          "chip and PIN"
        ],
        [
          "2026-09-28T06:34:02+01:00",
          "internal_transfer_out",
          -600,
          2303.36,
          "TO EASY ACCESS SAVER x8803",
          "monthly saving, standing transfer"
        ],
        [
          "2026-09-28T10:14:31+01:00",
          "faster_payment_out",
          -32,
          2271.36,
          "S PRICE HAIR",
          "saved payee, ref HAIR"
        ],
        [
          "2026-09-30T15:10:15+01:00",
          "card",
          -5.08,
          2266.28,
          "CAFE NERO HARROGATE",
          "Apple Pay"
        ],
        [
          "2026-10-01T06:11:59+01:00",
          "direct_debit",
          -14.54,
          2251.74,
          "TV LICENCE MBP",
          "TV licence"
        ],
        [
          "2026-10-01T06:22:03+01:00",
          "direct_debit",
          -212,
          2039.74,
          "NORTH YORKS CNCL CTAX",
          "council tax, 10 instalments"
        ],
        [
          "2026-10-02T11:58:22+01:00",
          "cash_withdrawal",
          -100,
          1939.74,
          "LINK ATM HARROGATE STN PDE",
          "our ATM"
        ],
        [
          "2026-10-02T13:28:49+01:00",
          "card",
          -37.03,
          1902.71,
          "MORRISONS 0187 HARROGATE",
          "Apple Pay"
        ],
        [
          "2026-10-03T12:02:28+01:00",
          "card",
          -23.91,
          1878.8,
          "WATERSTONES HARROGATE",
          "chip and PIN"
        ],
        [
          "2026-10-05T06:28:52+01:00",
          "standing_order",
          -25,
          1853.8,
          "E THURSBY JISA",
          "standing order to granddaughter's Junior ISA"
        ],
        [
          "2026-10-05T06:46:19+01:00",
          "direct_debit",
          -96,
          1757.8,
          "OCTOPUS ENERGY",
          "gas and electricity"
        ],
        [
          "2026-10-06T10:59:48+01:00",
          "internal_transfer_in",
          8800,
          10557.8,
          "FROM EASY ACCESS SAVER x8803",
          "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"
      ],
      "rows": [
        [
          "JAMES THURSBY",
          "xx-xx-62",
          "x5521",
          "Large UK high-street bank",
          "2014-03-02",
          "Not checked (added before 2020)",
          7,
          1730,
          "2026-09-11"
        ],
        [
          "S PRICE HAIR",
          "xx-xx-08",
          "x1176",
          "Large UK high-street bank",
          "2019-05-17",
          "Not checked (added before 2020)",
          12,
          384,
          "2026-09-28"
        ],
        [
          "D WALSH WINDOWS",
          "xx-xx-31",
          "x0942",
          "UK building society",
          "2022-08-09",
          "Match",
          12,
          222,
          "2026-09-09"
        ],
        [
          "K LEDGER BUILDING",
          "xx-xx-44",
          "x7308",
          "Large UK high-street bank",
          "2026-06-14",
          "Match (business account)",
          1,
          640,
          "2026-06-14"
        ],
        [
          "E THURSBY JISA",
          "xx-xx-90",
          "x3317",
          "UK building society",
          "2019-02-26",
          "Not checked (standing order set up in branch)",
          12,
          300,
          "2026-10-05"
        ]
      ]
    },
    "payment_pattern_12_months": {
      "payments_to_people_and_firms": 39,
      "new_payees_added": 1,
      "largest_payment_gbp": 1150,
      "largest_payment_to": "JAMES THURSBY (son), 2026-03-16, ref CAR REPAIR",
      "payments_over_2000_gbp": 0,
      "payments_to_app_only_banks_or_e_money_firms": 0
    },
    "devices": [
      {
        "device": "iPhone 13, our iOS app",
        "registered": "2022-11-19",
        "how": "In branch with photo ID",
        "last_used": "2026-10-06",
        "sessions_90_days": 41
      },
      {
        "device": "iPad (9th generation), Safari",
        "registered": "2020-04-02",
        "how": "Card reader",
        "last_used": "2026-08-30",
        "sessions_90_days": 3
      }
    ],
    "app_logins_last_30_days": {
      "columns": [
        "start",
        "device",
        "network",
        "authentication",
        "minutes",
        "activity"
      ],
      "rows": [
        [
          "2026-09-09T12:42:34+01:00",
          "iPhone 13, our iOS app",
          "Home broadband, Harrogate",
          "Face ID",
          2.4,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-09T18:03:28+01:00",
          "iPhone 13, our iOS app",
          "Home broadband, Harrogate",
          "Face ID",
          2.8,
          "Paid D WALSH WINDOWS £20.00"
        ],
        [
          "2026-09-11T11:15:27+01:00",
          "iPhone 13, our iOS app",
          "Home broadband, Harrogate",
          "Face ID",
          2.8,
          "Paid JAMES THURSBY £50.00"
        ],
        [
          "2026-09-11T13:33:18+01:00",
          "iPhone 13, our iOS app",
          "Home broadband, Harrogate",
          "Face ID",
          1.5,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-12T15:49:04+01:00",
          "iPhone 13, our iOS app",
          "Home broadband, Harrogate",
          "Face ID",
          2.9,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-15T13:50:06+01:00",
          "iPhone 13, our iOS app",
          "Home broadband, Harrogate",
          "Face ID",
          1,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-17T12:25:03+01:00",
          "iPhone 13, our iOS app",
          "Home broadband, Harrogate",
          "Face ID",
          3.1,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-18T19:17:14+01:00",
          "iPhone 13, our iOS app",
          "Home broadband, Harrogate",
          "Face ID",
          2.2,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-21T16:37:44+01:00",
          "iPhone 13, our iOS app",
          "Home broadband, Harrogate",
          "Face ID",
          1.3,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-22T10:48:16+01:00",
          "iPhone 13, our iOS app",
          "Home broadband, Harrogate",
          "Face ID",
          0.8,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-23T09:38:27+01:00",
          "iPhone 13, our iOS app",
          "Home broadband, Harrogate",
          "Face ID",
          1.6,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-26T10:34:44+01:00",
          "iPhone 13, our iOS app",
          "Home broadband, Harrogate",
          "Face ID",
          1.5,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-27T11:40:29+01:00",
          "iPhone 13, our iOS app",
          "Home broadband, Harrogate",
          "Face ID",
          2.2,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-28T10:12:31+01:00",
          "iPhone 13, our iOS app",
          "Home broadband, Harrogate",
          "Face ID",
          2.8,
          "Paid S PRICE HAIR £32.00"
        ],
        [
          "2026-09-29T14:22:32+01:00",
          "iPhone 13, our iOS app",
          "Home broadband, Harrogate",
          "Face ID",
          1.7,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-30T10:50:59+01:00",
          "iPhone 13, our iOS app",
          "Home broadband, Harrogate",
          "Face ID",
          1.6,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-10-01T16:21:41+01:00",
          "iPhone 13, our iOS app",
          "Home broadband, Harrogate",
          "Face ID",
          2.3,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-10-03T19:04:04+01:00",
          "iPhone 13, our iOS app",
          "Home broadband, Harrogate",
          "Face ID",
          1.6,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-10-04T13:14:02+01:00",
          "iPhone 13, our iOS app",
          "Home broadband, Harrogate",
          "Face ID",
          3,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-10-05T17:08:12+01:00",
          "iPhone 13, our iOS app",
          "Home broadband, Harrogate",
          "Face ID",
          3,
          "Viewed balances and recent transactions"
        ]
      ]
    },
    "contact_detail_changes": "None in the last 24 months (mobile, email and address unchanged)",
    "contact_history": [
      {
        "ts": "2025-02-11T14:20:00+00:00",
        "channel": "Branch, Harrogate",
        "note": "Bereavement: joint account converted to sole name; death certificate seen. Customer asked for phone contact where possible."
      },
      {
        "ts": "2026-03-16T09:41:00+00:00",
        "channel": "Phone, contact centre",
        "note": "Asked how to move money from savings to current account in the app to help her son with a car repair; walked through it."
      },
      {
        "ts": "2026-10-06T10:37:31+01:00",
        "channel": "SMS from our card fraud system",
        "note": "Debit card x6620 declined for £449.99 at ELECTRA TECH DIRECT (online, no 3-D Secure, new merchant for this card). Text sent: 'Did you just try to use your card? Reply Y or N.' No reply received. Card not yet blocked."
      }
    ],
    "earlier_scam_warnings": [
      {
        "ts": "2026-06-14T16:01:12+01:00",
        "payee": "K LEDGER BUILDING",
        "purpose_chosen": "Paying for goods or services: building or home improvement",
        "warning": "Tradesperson warning",
        "seconds_on_screen": 21,
        "outcome": "Confirmed; paid £640.00"
      }
    ],
    "current_session": {
      "device": "iPhone 13, our iOS app (registered 2022-11-19), Face ID",
      "network": "Home broadband, Harrogate (seen on 37 of her last 41 sessions), IP 198.51.100.73",
      "started": "2026-10-06T10:58:12+01:00",
      "events": {
        "columns": [
          "ts",
          "event",
          "detail"
        ],
        "rows": [
          [
            "2026-10-06T10:58:12+01:00",
            "Login",
            "Face ID"
          ],
          [
            "2026-10-06T10:58:40+01:00",
            "Viewed",
            "Easy Access Saver x8803"
          ],
          [
            "2026-10-06T10:59:48+01:00",
            "Own transfer",
            "£8,800.00 from Easy Access Saver x8803 to current account x4471"
          ],
          [
            "2026-10-06T11:01:15+01:00",
            "Payment attempt stopped",
            "New payee payment of £8,750.00 exceeds daily limit of £2,500; customer shown how to change limits"
          ],
          [
            "2026-10-06T11:03:02+01:00",
            "Limit change requested",
            "Faster Payments daily limit £2,500 to £10,000; one-time code texted to 07700 900184"
          ],
          [
            "2026-10-06T11:05:39+01:00",
            "Limit change confirmed",
            "Code entered correctly at first attempt, 2 min 37 s after it was sent"
          ],
          [
            "2026-10-06T11:06:20+01:00",
            "New payee started",
            "Personal account; name entered 'Margaret Thursby'; sort code xx-xx-17; account x2290"
          ],
          [
            "2026-10-06T11:07:51+01:00",
            "Confirmation of Payee",
            "No match (ANNM): the name doesn't match the account; no name returned"
          ],
          [
            "2026-10-06T11:07:51+01:00",
            "No-match warning shown",
            "'The name you entered doesn't match the account. If you continue and this is a scam, you may not get your money back.'"
          ],
          [
            "2026-10-06T11:08:27+01:00",
            "No-match warning",
            "Customer chose 'Continue anyway' after 36 s"
          ],
          [
            "2026-10-06T11:09:40+01:00",
            "Purpose chosen",
            "Moving money to another account of mine"
          ],
          [
            "2026-10-06T11:09:41+01:00",
            "Questions shown",
            "Own-account questions (see payment_under_review)"
          ],
          [
            "2026-10-06T11:12:05+01:00",
            "Safe-account warning shown",
            "'We will never ask you to move money to keep it safe. If someone has told you your account is at risk, hang up and call the number on the back of your card.'"
          ],
          [
            "2026-10-06T11:12:09+01:00",
            "Safe-account warning",
            "Customer chose 'I understand, continue' after 4 s"
          ],
          [
            "2026-10-06T11:14:37+01:00",
            "Payment submitted",
            "£8,750.00 to new payee 'Margaret Thursby', reference 'SECURE ACC'"
          ]
        ]
      },
      "behaviour_signals": {
        "source": "Our device and behaviour vendor's SDK in the app",
        "voice_call": "Incoming phone call already in progress when the app opened at 10:58:12 and still in progress at submission (at least 16 min 25 s). The app can't see who is calling.",
        "remote_access_or_screen_sharing": "None detected",
        "payee_details_entry": "Sort code typed in three bursts and account number in four bursts of two digits, with pauses of 4 to 11 seconds between bursts; no paste. Her earlier payee setups were typed in one or two bursts.",
        "reference_entry": "Typed, 'SECURE ACC', after a 9 second pause",
        "session_length": "16 min 25 s to submission; her median session over 90 days is 2 min 30 s",
        "navigation": "Went from the limit screen back to the payment twice; opened 'Help: what is Confirmation of Payee?' and closed it after 3 s",
        "vendor_scam_score": "91 of 100 (vendor's reasons: active call during payment to new payee; segmented entry of payee details; long session)"
      }
    },
    "payment_under_review": {
      "payment_id": "FPO-20261006-1114-55820",
      "scheme": "Faster Payments, single immediate payment",
      "from_account": "Current account x4471",
      "amount_gbp": 8750,
      "balance_after_gbp": 1807.8,
      "payee": {
        "name_entered": "Margaret Thursby",
        "account_type_entered": "Personal",
        "sort_code": "xx-xx-17",
        "account": "x2290",
        "payee_bank": "UK app-only bank (authorised bank, opened accounts in-app)",
        "first_payment_to_payee": true
      },
      "reference": "SECURE ACC",
      "confirmation_of_payee": {
        "result": "No match",
        "code": "ANNM",
        "name_returned": null,
        "customer_action": "Continued after the no-match warning"
      },
      "purpose_and_answers": {
        "purpose": "Moving money to another account of mine",
        "Is this account in your name and did you open it yourself?": "Yes",
        "When did you open it?": "In the last week",
        "Has anyone asked you to move this money, or told you your money isn't safe?": "No",
        "Has anyone told you what to say or how to answer these questions?": "No"
      },
      "payee_intelligence": {
        "source": "Our payments consortium's shared receiving-account data and our own payment records",
        "account_opened": "2026-09-24 (12 days ago)",
        "inbound_last_48_hours": "4 Faster Payments from 4 payers at 3 banks, £21,640 in total; each sent on within 10 minutes of arriving",
        "name_on_account": "Not returned (no match); the receiving bank's records show a personal account in a different name",
        "consortium_mule_risk": "94 of 100 (high)",
        "our_other_customers": "One other customer of ours added this payee on 2026-10-05 at 15:12 with purpose 'Moving money to another account of mine' and a £4,200 payment. It was held; on the call, that customer said someone from 'the bank's security team' had told them to move it. The payment was cancelled.",
        "scam_reports_on_this_account": "1 (from our own held payment above)"
      },
      "rules_fired": [
        "SP-03 Own-account purpose with a Confirmation of Payee no match",
        "SP-07 Phone call in progress during a payment to a new payee",
        "SP-11 Faster Payments limit raised in the same session as the payment",
        "SP-12 Savings moved into the current account less than 30 minutes before a new-payee payment",
        "SP-15 Payment more than 5 times the customer's largest payment in 12 months",
        "SP-21 Payee account flagged by consortium mule data"
      ],
      "our_scam_model": "968 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"
      }
    }
  }
}