{
  "id": "AIBD-0365",
  "title": "WeChat Pay's “anti-fraud customer service reminder” interrupts a Yunnan man's 190,000 yuan transfer to a suspected romance scammer, and he cancels the payment (14 December 2021)",
  "summary": "WeChat says its anti-fraud reminder, with Tencent Cloud online service, led a Yunnan man to cancel a 190,000 yuan transfer to a “goddess” he had met online; reported by ChinaZ, 14 December 2021.",
  "date_observed": "2021-12-14",
  "date_basis": "unassessed",
  "date_precision": "unassessed",
  "benefit_status": null,
  "source_collection": null,
  "source_entry": null,
  "account": "According to WeChat (ChinaZ, 14 December 2021; ZOL, 16 December 2021), WeChat Pay launched an “anti-fraud customer service reminder”. When a payment is flagged as a risky transaction, the screen shows an “answer the reminder” button and the system connects automatically. Tencent Cloud Zhifu then provides online customer service to help judge the risk. ChinaZ reports that a Mr. Zhang in Yunnan had met a woman on a video platform. Within a week she asked to borrow 190,000 yuan for medical treatment. As he initiated the transfer, a WeChat Pay voice reminder appeared. The customer service, judging from experience that this looked like a dating scam, explained the pattern and advised him to cancel. He avoided a loss of 190,000 yuan. The Monitor bundles this with Shanghai police figures for 2021 (115,000 scam calls blocked daily; 510 million yuan directly recovered). Xinmin attributes those to police, the communications administration and carriers without naming AI.",
  "category": "harm prevented",
  "unexpected": false,
  "purpose": "The reminder was built to warn WeChat Pay users during risky transactions and connect them to online customer service that helps judge the risk. Stopping a transfer to a suspected scammer was that purpose.",
  "system": "WeChat Pay 'anti-fraud customer service reminder' (防骗客服提醒) with Tencent Cloud Zhifu (腾讯云智服) online customer service",
  "model_version": null,
  "developer": "Tencent (WeChat Pay and Tencent Cloud)",
  "deployer": "WeChat Pay",
  "location": "Yunnan, China",
  "domain": "Payments fraud prevention",
  "segment": "Consumer mobile payments",
  "benefit_type": "Reduced Risk",
  "taxonomy_note": null,
  "registry_ids": {
    "oecd_aim": "2021-12-15-3cd7"
  },
  "ratings": [
    {
      "group": "personal",
      "depth": 4,
      "reason": "A 190,000-yuan transfer to a suspected romance scammer was canceled on the reminder, a serious financial loss for one person averted on WeChat's account. The man is identified only by surname and province, no police or bank confirmation is reported, and the case date is not given."
    }
  ],
  "ai_role": {
    "status": "assessed",
    "statement": "The automated part the sources describe is the flagging of a risky transaction. That triggers the on-screen reminder and connects the payer to Tencent Cloud Zhifu, a service the Monitor calls AI. ChinaZ says the WeChat Pay customer service judged “from experience” that this was a dating scam, which reads as a human agent. Neither report says how the transaction was flagged or whether any model was involved. The advice, not the flag alone, led Zhang to cancel."
  },
  "evidence": [
    {
      "kind": "news report",
      "citation": "ChinaZ (2021). 微信支付上线“防骗客服提醒”功能 为一男子保住19万元. 站长之家, 14 December 2021.",
      "title": "微信支付上线“防骗客服提醒”功能 为一男子保住19万元",
      "url": "https://www.chinaz.com/2021/1214/1341135.shtml",
      "date": "2021-12-14",
      "written_by": "independent",
      "quote": "凭借经验判断张先生可能陷入了交友诈骗的骗局"
    },
    {
      "kind": "news report",
      "citation": "ZOL (2021). 年底了 微信支付正式上线“防骗客服提醒”功能. 中关村在线, 16 December 2021.",
      "title": "年底了 微信支付正式上线“防骗客服提醒”功能",
      "url": "https://mobile.zol.com.cn/783/7832465.html",
      "date": "2021-12-16",
      "written_by": "independent",
      "quote": "腾讯云智服提供实时在线客服，协助大家判断当前交易风险"
    },
    {
      "kind": "news report",
      "citation": "Yang J (2021). 上海日均阻断诈骗电话11.5万通 今年以来直接挽损5.1亿余元. 新民晚报 / 新民网, 17 December 2021.",
      "title": "上海日均阻断诈骗电话11.5万通 今年以来直接挽损5.1亿余元",
      "url": "http://newsxmwb.xinmin.cn/shizheng/szt/2021/12/17/32082134.html",
      "date": "2021-12-17",
      "written_by": "independent",
      "quote": "今年以来，日均阻断诈骗电话11.5万通，较去年同比增加6倍"
    },
    {
      "kind": "registry label",
      "citation": "OECD.AI (2021). AI Systems in Shanghai and Banking Sector Prevent Large-Scale Financial Fraud. OECD AI Incidents and Hazards Monitor, entry 2021-12-15-3cd7.",
      "title": "AI Systems in Shanghai and Banking Sector Prevent Large-Scale Financial Fraud",
      "url": "https://oecd.ai/en/incidents/2021-12-15-3cd7",
      "date": null,
      "written_by": "independent",
      "quote": "AI-based risk detection in banks and WeChat Pay helped identify suspects and stop fraudulent transactions, safeguarding users' financial assets."
    }
  ],
  "replication": {
    "produced_by": [
      "A WeChat Pay transfer flagged as a risky transaction. This shows an “answer the reminder” button and connects the payer to Tencent Cloud Zhifu online customer service.",
      "A customer-service exchange in which the agent asks about the transaction context and recognizes a known scam pattern"
    ],
    "must_hold": [
      "The flag fires before the transfer completes",
      "The payer answers the reminder and accepts the advice to cancel",
      "The scam matches a pattern the service recognizes; here a week-old online acquaintance asking for medical money"
    ],
    "echoes": []
  },
  "paired_incident": null,
  "headline": "WeChat Pay reminder stops a 190,000 yuan romance-scam transfer",
  "metric": "avoided a loss of 190,000 yuan",
  "comparator": null,
  "later": null,
  "value": null,
  "developer_country": "China",
  "deployer_country": null,
  "unrated_because": null,
  "brief_notes": null,
  "brief": null,
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    {
      "date": "2026-10-21",
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      "editor": "AIBD"
    },
    {
      "date": "2026-10-21",
      "change": "Benefit type set to Reduced Risk under Trustible's full taxonomy of 23 types; it was Improved Organizational Efficiency among the six first used.",
      "source": "https://trustible.ai/post/a-framework-for-measuring-the-benefits-of-ai/",
      "editor": "AIBD"
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      "date": "2026-10-21",
      "change": "Country of the developer added from the organization's own site or a registry.",
      "source": "https://www.tencent.com/en-us/about.html",
      "editor": "AIBD"
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      "date": "2026-10-21",
      "change": "Prose pass: a rating reason, account, purpose, the replication conditions, the system's part rewritten in shorter sentences with abbreviations expanded; facts, figures and quotations unchanged.",
      "source": null,
      "editor": "AIBD"
    }
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  "confidence": "reported",
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  "claim_status": "Independently reported",
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            "benefit_type"
          ],
          "source_refs": []
        },
        "review_state": "record_mapped",
        "coverage": "partial"
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              }
            ]
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        },
        "review_state": "record_mapped",
        "coverage": "partial"
      },
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        "state": "not_assessed",
        "review_state": "not_assessed",
        "coverage": "partial"
      },
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        "state": "not_assessed",
        "review_state": "not_assessed",
        "coverage": "partial"
      },
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        "state": "value_present",
        "value": {
          "kind": "record_fields",
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          }
        },
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          "kind": "legacy_record",
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        },
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        "state": "value_present",
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          "kind": "record_fields",
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            "location": "Yunnan, China",
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          }
        },
        "provenance": {
          "kind": "legacy_record",
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          }
        },
        "provenance": {
          "kind": "legacy_record",
          "basis": "Preserved from the existing AIBD record; external sources were not rechecked.",
          "record_fields": [
            "purpose"
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        },
        "review_state": "record_mapped",
        "coverage": "partial"
      },
      "record_dates": {
        "state": "value_present",
        "value": {
          "kind": "record_fields",
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            "date_observed": "2021-12-14",
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                "date": "2026-10-21",
                "change": "Record drafted from the OECD Monitor entry and the cited sources.",
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                "editor": "AIBD"
              },
              {
                "date": "2026-10-21",
                "change": "Benefit type set to Reduced Risk under Trustible's full taxonomy of 23 types; it was Improved Organizational Efficiency among the six first used.",
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                "editor": "AIBD"
              },
              {
                "date": "2026-10-21",
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                "source": "https://www.tencent.com/en-us/about.html",
                "editor": "AIBD"
              },
              {
                "date": "2026-10-21",
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                "editor": "AIBD"
              }
            ]
          }
        },
        "provenance": {
          "kind": "legacy_record",
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          "source_refs": []
        },
        "review_state": "record_mapped",
        "coverage": "partial"
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      "replication.attempts[]": {
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        "review_state": "not_assessed",
        "coverage": "partial"
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        "value": {
          "kind": "record_fields",
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            "replication": {
              "produced_by": [
                "A WeChat Pay transfer flagged as a risky transaction. This shows an “answer the reminder” button and connects the payer to Tencent Cloud Zhifu online customer service.",
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              ],
              "must_hold": [
                "The flag fires before the transfer completes",
                "The payer answers the reminder and accepts the advice to cancel",
                "The scam matches a pattern the service recognizes; here a week-old online acquaintance asking for medical money"
              ],
              "echoes": []
            }
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        },
        "provenance": {
          "kind": "legacy_record",
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        "coverage": "partial"
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                "date": "2026-10-21",
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              },
              {
                "date": "2026-10-21",
                "change": "Benefit type set to Reduced Risk under Trustible's full taxonomy of 23 types; it was Improved Organizational Efficiency among the six first used.",
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                "editor": "AIBD"
              },
              {
                "date": "2026-10-21",
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              {
                "date": "2026-10-21",
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        "provenance": {
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          "kind": "record_fields",
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            "segment": "Consumer mobile payments"
          }
        },
        "provenance": {
          "kind": "legacy_record",
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          "record_fields": [
            "domain",
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          ],
          "source_refs": []
        },
        "review_state": "record_mapped",
        "coverage": "partial"
      },
      "sources[].access_version": {
        "state": "not_assessed",
        "review_state": "not_assessed",
        "coverage": "partial"
      },
      "sources[].citation_locator": {
        "state": "value_present",
        "value": {
          "kind": "record_fields",
          "fields": {
            "evidence": [
              {
                "kind": "news report",
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                "title": "微信支付上线“防骗客服提醒”功能 为一男子保住19万元",
                "url": "https://www.chinaz.com/2021/1214/1341135.shtml",
                "date": "2021-12-14",
                "written_by": "independent",
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              },
              {
                "kind": "news report",
                "citation": "ZOL (2021). 年底了 微信支付正式上线“防骗客服提醒”功能. 中关村在线, 16 December 2021.",
                "title": "年底了 微信支付正式上线“防骗客服提醒”功能",
                "url": "https://mobile.zol.com.cn/783/7832465.html",
                "date": "2021-12-16",
                "written_by": "independent",
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              },
              {
                "kind": "news report",
                "citation": "Yang J (2021). 上海日均阻断诈骗电话11.5万通 今年以来直接挽损5.1亿余元. 新民晚报 / 新民网, 17 December 2021.",
                "title": "上海日均阻断诈骗电话11.5万通 今年以来直接挽损5.1亿余元",
                "url": "http://newsxmwb.xinmin.cn/shizheng/szt/2021/12/17/32082134.html",
                "date": "2021-12-17",
                "written_by": "independent",
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              },
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                "kind": "registry label",
                "citation": "OECD.AI (2021). AI Systems in Shanghai and Banking Sector Prevent Large-Scale Financial Fraud. OECD AI Incidents and Hazards Monitor, entry 2021-12-15-3cd7.",
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        "coverage": "complete"
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      "sources[].language": {
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                "title": "微信支付上线“防骗客服提醒”功能 为一男子保住19万元",
                "url": "https://www.chinaz.com/2021/1214/1341135.shtml",
                "date": "2021-12-14",
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              },
              {
                "kind": "news report",
                "citation": "ZOL (2021). 年底了 微信支付正式上线“防骗客服提醒”功能. 中关村在线, 16 December 2021.",
                "title": "年底了 微信支付正式上线“防骗客服提醒”功能",
                "url": "https://mobile.zol.com.cn/783/7832465.html",
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                "written_by": "independent",
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              },
              {
                "kind": "news report",
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                "title": "上海日均阻断诈骗电话11.5万通 今年以来直接挽损5.1亿余元",
                "url": "http://newsxmwb.xinmin.cn/shizheng/szt/2021/12/17/32082134.html",
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      },
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        "review_state": "not_assessed",
        "coverage": "partial"
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        "state": "not_assessed",
        "review_state": "not_assessed",
        "coverage": "partial",
        "family": "strategic assessments"
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        "value": {
          "kind": "record_fields",
          "fields": {
            "summary": "WeChat says its anti-fraud reminder, with Tencent Cloud online service, led a Yunnan man to cancel a 190,000 yuan transfer to a “goddess” he had met online; reported by ChinaZ, 14 December 2021.",
            "account": "According to WeChat (ChinaZ, 14 December 2021; ZOL, 16 December 2021), WeChat Pay launched an “anti-fraud customer service reminder”. When a payment is flagged as a risky transaction, the screen shows an “answer the reminder” button and the system connects automatically. Tencent Cloud Zhifu then provides online customer service to help judge the risk. ChinaZ reports that a Mr. Zhang in Yunnan had met a woman on a video platform. Within a week she asked to borrow 190,000 yuan for medical treatment. As he initiated the transfer, a WeChat Pay voice reminder appeared. The customer service, judging from experience that this looked like a dating scam, explained the pattern and advised him to cancel. He avoided a loss of 190,000 yuan. The Monitor bundles this with Shanghai police figures for 2021 (115,000 scam calls blocked daily; 510 million yuan directly recovered). Xinmin attributes those to police, the communications administration and carriers without naming AI."
          }
        },
        "provenance": {
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          "source_refs": []
        },
        "review_state": "record_mapped",
        "coverage": "partial"
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      "systems[].autonomy_permissions": {
        "state": "not_assessed",
        "review_state": "not_assessed",
        "coverage": "partial"
      },
      "systems[].component_role": {
        "state": "not_assessed",
        "review_state": "not_assessed",
        "coverage": "partial"
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      "systems[].deployment_configuration": {
        "state": "not_assessed",
        "review_state": "not_assessed",
        "coverage": "partial"
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      "systems[].inputs_outputs": {
        "state": "not_assessed",
        "review_state": "not_assessed",
        "coverage": "partial"
      },
      "systems[].model_name": {
        "state": "not_assessed",
        "review_state": "not_assessed",
        "coverage": "partial"
      },
      "systems[].model_version": {
        "state": "not_assessed",
        "review_state": "not_assessed",
        "coverage": "partial"
      },
      "systems[].product_name": {
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        "value": {
          "kind": "record_fields",
          "fields": {
            "system": "WeChat Pay 'anti-fraud customer service reminder' (防骗客服提醒) with Tencent Cloud Zhifu (腾讯云智服) online customer service"
          }
        },
        "provenance": {
          "kind": "legacy_record",
          "basis": "Preserved from the existing AIBD record; external sources were not rechecked.",
          "record_fields": [
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          ],
          "source_refs": []
        },
        "review_state": "record_mapped",
        "coverage": "partial"
      },
      "systems[].provider": {
        "state": "value_present",
        "value": {
          "kind": "structured",
          "data": {
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          }
        },
        "provenance": {
          "kind": "legacy_record",
          "basis": "Mapped from the existing case description without a new external source review.",
          "record_fields": [
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          "source_refs": []
        },
        "review_state": "record_mapped",
        "coverage": "partial"
      },
      "taxonomy_crosswalks[]": {
        "state": "not_assessed",
        "review_state": "not_assessed",
        "coverage": "partial"
      },
      "title": {
        "state": "value_present",
        "value": {
          "kind": "record_fields",
          "fields": {
            "title": "WeChat Pay's “anti-fraud customer service reminder” interrupts a Yunnan man's 190,000 yuan transfer to a suspected romance scammer, and he cancels the payment (14 December 2021)",
            "headline": "WeChat Pay reminder stops a 190,000 yuan romance-scam transfer"
          }
        },
        "provenance": {
          "kind": "legacy_record",
          "basis": "Preserved from the existing AIBD record; external sources were not rechecked.",
          "record_fields": [
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          ],
          "source_refs": []
        },
        "review_state": "record_mapped",
        "coverage": "partial"
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      "version": {
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        "value": {
          "kind": "identifiers",
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          ],
          "role": "SHA-256 of normalized original case data"
        },
        "provenance": {
          "kind": "curatorial",
          "basis": "Deterministic content version assigned by the local migration.",
          "record_fields": [],
          "source_refs": []
        },
        "review_state": "record_mapped",
        "coverage": "complete"
      },
      "workflow": {
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        "value": {
          "kind": "record_fields",
          "fields": {
            "account": "According to WeChat (ChinaZ, 14 December 2021; ZOL, 16 December 2021), WeChat Pay launched an “anti-fraud customer service reminder”. When a payment is flagged as a risky transaction, the screen shows an “answer the reminder” button and the system connects automatically. Tencent Cloud Zhifu then provides online customer service to help judge the risk. ChinaZ reports that a Mr. Zhang in Yunnan had met a woman on a video platform. Within a week she asked to borrow 190,000 yuan for medical treatment. As he initiated the transfer, a WeChat Pay voice reminder appeared. The customer service, judging from experience that this looked like a dating scam, explained the pattern and advised him to cancel. He avoided a loss of 190,000 yuan. The Monitor bundles this with Shanghai police figures for 2021 (115,000 scam calls blocked daily; 510 million yuan directly recovered). Xinmin attributes those to police, the communications administration and carriers without naming AI.",
            "replication": {
              "produced_by": [
                "A WeChat Pay transfer flagged as a risky transaction. This shows an “answer the reminder” button and connects the payer to Tencent Cloud Zhifu online customer service.",
                "A customer-service exchange in which the agent asks about the transaction context and recognizes a known scam pattern"
              ],
              "must_hold": [
                "The flag fires before the transfer completes",
                "The payer answers the reminder and accepts the advice to cancel",
                "The scam matches a pattern the service recognizes; here a week-old online acquaintance asking for medical money"
              ],
              "echoes": []
            }
          }
        },
        "provenance": {
          "kind": "legacy_record",
          "basis": "Preserved from the existing AIBD record; external sources were not rechecked.",
          "record_fields": [
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          ],
          "source_refs": []
        },
        "review_state": "record_mapped",
        "coverage": "partial"
      }
    },
    "summary": {
      "total": 91,
      "addressed": 91,
      "known": 28,
      "reviewed": 0,
      "record_mapped": 28,
      "not_assessed": 63,
      "complete": false,
      "by_state": {
        "value_present": 28,
        "not_reported": 0,
        "unresolved": 0,
        "not_assessed": 63,
        "not_applicable": 0,
        "withheld": 0,
        "source_unavailable": 0
      }
    }
  }
}