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HHG-007

legitimateClosed — Legitimate

no pattern identified

Case HHG-007 was reviewed after a real-time model scored transaction 3514948 at 0.87, but the final verdict is legitimate with a fraud probability of 0.12. The key evidence indicates that while a new device marker was present, the transaction's product category and billing region matched the customer's established history, and disconfirming precedents CC-0388 and CC-0248 supported a legitimate outcome. An evidence request to expand the investigation to the shared-device neighborhood was refused because the provided identifier appeared to be a raw dataset column name rather than a valid entity ID. The final action of CLOSE_NO_FRAUD was chosen via the auto route under rule R0: policy default, settled low, no rule triggered, as no new information changed the initial assessment.

exposure
$0.00
affected txns
0
connected cards
0
prior cases cited
5
likely legitimate
fraud probability
0.150.300.700.85

stop_reason — Probability 0.12 with at least two independent evidence sources supporting no fraud; stopping per policy §6.

recommendation historyunchanged

Initial recommendation

before · on the evidence gathered so far
  1. CLOSE_NO_FRAUDAutoR0: policy default, settled low, no rule triggered

Final recommendation

after · no revision required
  1. CLOSE_NO_FRAUDAutoR0: policy default, settled low, no rule triggered

The evidence settled the question without changing the recommended course of action.

entity neighbourhood1 cards · 0 devices
HHG-007-CARD
shared devicecard under investigationflaggedconnected card
policy trace · R1–R100 of 10 predicates fired

Every rule below is a deterministic predicate evaluated against this case’s evidence — not a model’s assertion of an outcome. The engine checks all ten; most do not apply here, and that is shown deliberately.

R1
did not fire
Single signal only, fraud probability below 0.70 — must precede any block.
R2
did not fire
Customer was asked to validate and denied the charge.
R3
did not fire
Customer confirmed the charge as their own.
R4
did not fire
No customer reply within 24 hours.
R5
did not fire
3+ sub-$5 online authorizations within an hour on one card, then a larger purchase.
R6
did not fire
Device profile, billing region, or recipient email shared across multiple cards in one window.
R7
did not fire
Disputed charge matches the customer's own recurring pattern — merchant, amount, monthly.
R8
did not fire
Verdict uncertain with exposure over $500, or evidence conflicts.
R9
did not fire
Fits none of the five documented patterns, and abuse is coordinated or repeated across customers.
R10
did not fire
BLOCK_ALL_CARDS was proposed — requires 2+ cards confirmed fraud or confirmed compromised credentials, else downgrades to a single-card BLOCK_CARD.
precedent retrieval · graphRAG5 cases retrieved

The closed-case history runs 4,665 confirmed fraud to 900 cleared — a single merged ranking over that history returns almost nothing but incriminating cases and pushes every verdict toward blocking. Retrieval runs as two separate pools, confirming and exonerating, so that imbalance cannot silently decide the case.

Confirming precedent(3)

  • CC-0148
  • CC-0414
  • CC-0611

Exonerating precedent(2)

  • CC-0388
  • CC-0248

Drawn from 5,565 closed investigations.

evidence ledger · 11 itemsprovenance & signals

  • 1 online transaction(s) on card C09933-K2 -- T3507797 ($99.94) -- came from a device first marked 'New' for this account (id_15=New)

    Graph
    query:card_window(card_id=C09933-K2)T3507797

  • Precedent (confirming): CC-0148 (confirmed fraud, $335.02 exposure): semantically similar analyst notes (cosine distance 0.28), no direct structural overlap

    Graph
    query:prior_case_candidates(case=CC-0148)CC-0148

  • Precedent (confirming): CC-0414 (confirmed fraud, $35.00 exposure): semantically similar analyst notes (cosine distance 0.28), no direct structural overlap

    Graph
    query:prior_case_candidates(case=CC-0414)CC-0414

  • Precedent (confirming): CC-0611 (confirmed fraud, $1,159.98 exposure): semantically similar analyst notes (cosine distance 0.28), no direct structural overlap

    Graph
    query:prior_case_candidates(case=CC-0611)CC-0611

  • Precedent (disconfirming): CC-0388 (cleared as legitimate): semantically similar analyst notes (cosine distance 0.22), no direct structural overlap

    Graph
    query:prior_case_candidates(case=CC-0388)CC-0388

  • Precedent (disconfirming): CC-0248 (cleared as legitimate): semantically similar analyst notes (cosine distance 0.22), no direct structural overlap

    Graph
    query:prior_case_candidates(case=CC-0248)CC-0248

  • Flagged transaction's product category and billing region match this customer's established history

    Graph
    query:customer_baseline(customer_id=C09933)T3514948

  • Agent elected to expand the investigation to the shared-device neighbourhood. Reasoning: YES The new device marker combined with in-character behavior suggests a potential shared device compromise that could extend to other cards.

    Graph
    llm_decision:expand_device_neighbourhood(case=HHG-007)C09933-K2

  • Agent proposed device_neighbors(device_id=device_id_15), refused: that looks like a raw dataset column name, not a real entity id -- running it would waste a query rather than gather evidence. Full params: {'device_id': 'device_id_15', 'anchor': '2016-12-05 03:46:14', 'hours': 720}

    Graph
    llm_plan:rejected(column_as_id, depth=1)

  • Agent proposed device_neighbors(device_id=device_id_15), refused: that looks like a raw dataset column name, not a real entity id -- running it would waste a query rather than gather evidence. Full params: {'device_id': 'device_id_15', 'anchor': '2016-12-05 03:46:14', 'hours': 720}

    Graph
    llm_plan:rejected(column_as_id, depth=2)

  • Confidence check on gathered evidence: medium -- The investigation has reached its maximum depth limit (3 of 3). The evidence presents a mixed signal: the real-time risk score is high (0.87) and there is a new device marker, which are fraud indicators. However, the transaction behavior (product category and billing region) matches the customer's established baseline, and there are disconfirming precedents. The attempt to expand the investigation to the device neighborhood was rejected due to invalid entity IDs, preventing further clarification on whether the device is shared or compromised. Given the depth limit and the contradictory signals (high risk score/new device vs. in-character behavior/baseline match), the evidence is sufficient to hand off to the policy engine, which will weigh these factors to make the final determination.

    Graph
    llm_decision:confidence_gate(case=HHG-007, depth=3)
prior cases · memory5 cited

Confirming precedent

  • CC-0148Supports fraud
  • CC-0414Supports fraud
  • CC-0611Supports fraud

Disconfirming precedent

  • CC-0388Exonerates
  • CC-0248Exonerates
Stop reasonProbability 0.12 with at least two independent evidence sources supporting no fraud; stopping per policy §6.
Tool calls0
Tokens0
Latency0.0s