Transaction Monitoring

switch (score.decision) {
  case 'approve':
    await processPayment(transaction);
    break;
    
  case 'review':
    await queueForReview(transaction, score);
    // May still process with delay
    break;
    
  case 'challenge':
    await requestOTP(user);
    // Process after OTP verified
    break;
    
  case 'decline':
    await blockTransaction(transaction);
    await notifyUser('Transaction declined for security');
    break;
}

{
  "id": "trs_a1b2c3d4e5f6",
  "created_at": "2025-01-15T10:30:00Z",
  "processing_time_ms": 45,
  
  "decision": "approve",
  "risk_score": 180,
  "risk_level": "low",
  
  "signals": {
    "positive": ["known_recipient", "normal_amount", "trusted_device"],
    "negative": [],
    "neutral": ["first_transfer_this_week"]
  },
  
  "checks": {
    "velocity": {
      "passed": true,
      "daily_count": 2,
      "daily_limit": 10
    },
    "amount": {
      "passed": true,
      "vs_average": 1.2
    },
    "recipient": {
      "passed": true,
      "is_known": true,
      "trust_level": "high"
    },
    "device": {
      "passed": true,
      "is_trusted": true
    }
  }
}

// Get user's transaction profile
const profile = await txcloud.transactions.users.getProfile(userId);

console.log('Trust Level:', profile.trust_level);
console.log('Total Transactions:', profile.statistics.total_transactions);
console.log('Average Amount:', profile.statistics.average_amount);

// Profile includes patterns
console.log('Typical Amount Range:', profile.patterns.typical_amount_range);
console.log('Typical Recipients:', profile.patterns.typical_recipients);
console.log('Typical Times:', profile.patterns.typical_times);

{
  "user_id": "usr_abc123",
  "trust_level": "high",
  "trust_score": 850,
  
  "statistics": {
    "total_transactions": 156,
    "total_amount": 245000,
    "average_amount": 1571,
    "max_amount": 15000
  },
  
  "patterns": {
    "typical_amount_range": [500, 5000],
    "typical_recipients": 8,
    "typical_frequency": "weekly",
    "typical_channels": ["mobile_app"],
    "typical_times": ["09:00-18:00"]
  },
  
  "risk_factors": {
    "fraud_reports": 0,
    "disputes": 0,
    "chargebacks": 0
  }
}

const recipientCheck = await txcloud.transactions.recipients.check({
  type: 'phone',
  value: '+212612345678',
  sender_user_id: userId
});

// Show risk warning if needed
if (recipientCheck.risk_level === 'high') {
  await showWarning('This recipient has been flagged. Proceed with caution.');
}

// Show relationship info
if (recipientCheck.relationship.is_known) {
  console.log(`You've sent to this recipient ${recipientCheck.relationship.times_sent} times`);
}

// High value international transfer
await txcloud.transactions.rules.create({
  name: 'High Value International',
  condition: "type = 'international_transfer' AND amount > 20000",
  action: 'review',
  score_adjustment: 300
});

// First time recipient large amount
await txcloud.transactions.rules.create({
  name: 'New Recipient High Value',
  condition: "recipient.times_sent = 0 AND amount > 5000",
  action: 'challenge',
  score_adjustment: 200
});

// Unusual time
await txcloud.transactions.rules.create({
  name: 'Late Night High Value',
  condition: "(time.hour >= 23 OR time.hour <= 5) AND amount > 5000",
  action: 'review',
  score_adjustment: 150
});

// Report completed transaction
await txcloud.transactions.report({
  score_id: 'trs_a1b2c3d4e5f6',
  outcome: 'completed',
  fraud_reported: false
});

// Report fraud
await txcloud.transactions.report({
  score_id: 'trs_xyz789',
  outcome: 'fraud_confirmed',
  fraud_reported: true,
  notes: 'Customer reported unauthorized transaction'
});

const analytics = await txcloud.transactions.analytics.summary({
  period: '30d'
});

console.log('Total Transactions:', analytics.volume.total_transactions);
console.log('Approved:', analytics.decisions.approved);
console.log('Declined:', analytics.decisions.declined);
console.log('Fraud Rate:', analytics.fraud.fraud_rate);

async function processPayment(userId, amount, recipientPhone) {
  // 1. Score the transaction
  const score = await txcloud.transactions.score({
    amount,
    currency: 'MAD',
    type: 'p2p_transfer',
    sender: { user_id: userId },
    recipient: { type: 'phone', value: recipientPhone }
  });
  
  // 2. Handle decision
  if (score.decision === 'decline') {
    throw new Error('Transaction declined for security reasons');
  }
  
  if (score.decision === 'challenge') {
    // Require OTP
    const otpVerified = await verifyOTP(userId);
    if (!otpVerified) {
      throw new Error('OTP verification failed');
    }
  }
  
  if (score.decision === 'review') {
    // Queue for review but allow to proceed
    await queueForReview(score.id);
  }
  
  // 3. Process the payment
  const payment = await executePayment(userId, amount, recipientPhone);
  
  // 4. Report outcome
  await txcloud.transactions.report({
    score_id: score.id,
    outcome: 'completed'
  });
  
  return payment;
}