Payment Failure Pattern Detection

osop_version: "1.0"
id: "payment-failure-alert"
name: "Payment Failure Pattern Detection"
description: "AI identifies recurring payment failure patterns and alerts finance for root cause resolution."

nodes:
  - id: "payment_events"
    type: "event"
    name: "Payment Attempt Stream"
    description: "Real-time feed of payment successes, failures, and retries."

  - id: "failure_analysis"
    type: "agent"
    subtype: "llm"
    name: "AI Failure Pattern Analysis"
    description: "Correlate failures by processor, BIN range, region, and error code."
    security:
      risk_level: "low"

  - id: "issue_detect"
    type: "system"
    name: "Recurring Issue Detection"
    description: "Flag systematic failures vs random noise."

  - id: "finance_alert"
    type: "api"
    name: "Finance Team Alert"
    description: "Alert with failure pattern, affected volume, and estimated revenue impact."

  - id: "root_cause_fix"
    type: "human"
    subtype: "review"
    name: "Root Cause Resolution"
    description: "Finance team contacts processor, updates routing rules, or switches gateway."
    security:
      approval_gate: true

edges:
  - from: "payment_events"
    to: "failure_analysis"
    mode: "sequential"
  - from: "failure_analysis"
    to: "issue_detect"
    mode: "sequential"
  - from: "issue_detect"
    to: "finance_alert"
    mode: "conditional"
    when: "failure_rate > 0.05 && pattern.systematic == true"
  - from: "finance_alert"
    to: "root_cause_fix"
    mode: "sequential"