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Payment Context Signals

All inputs are observable, non-PII payment context attributes. No customer names or account numbers required.

Beneficiary Account Age i

days

First Time Payee i

Payment Purpose Category i

Instruction Channel i

Time Pressure / Urgency Reported i

Amount vs Sender Median Payment i

% of median

Beneficiary Account Pattern i

Scope Boundary

T322 is scoped to pre-payment APP scam detection and typology classification only. PSR PS23/3 sending/receiving PSP liability split and reimbursement eligibility are handled by T257 PSR Reimbursement Workflow Builder.

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Enter the 7 payment context signals

Risk score, scam typology classification, and friction intervention guidance will appear here.

APP Scam Risk Score

—

/ 100

Most Probable Scam Typology

Recommended Friction Interventions

Intervention	Required Action	Rationale

→

PSR PS23/3 · Next Step · T257

PSR APP Fraud Reimbursement Workflow Builder

For PSR PS23/3 sending/receiving PSP liability split and reimbursement eligibility after a scam has occurred, use T257. T322 covers pre-payment detection only.

APP Scam Pre-Payment Risk Assessor