{
  "format": "minctrl.process/v1",
  "graph": {
    "edges": [
      {
        "id": "e0___start____intake",
        "source": "__start__",
        "target": "intake"
      },
      {
        "id": "e1_intake__classify",
        "source": "intake",
        "target": "classify"
      },
      {
        "id": "e2_classify__fork",
        "source": "classify",
        "target": "fork"
      },
      {
        "id": "e3_fork__score",
        "source": "fork",
        "target": "score"
      },
      {
        "id": "e4_fork__assemble",
        "source": "fork",
        "target": "assemble"
      },
      {
        "id": "e5_score__join",
        "source": "score",
        "target": "join"
      },
      {
        "id": "e6_assemble__join",
        "source": "assemble",
        "target": "join"
      },
      {
        "id": "e7_join__qc",
        "source": "join",
        "target": "qc"
      },
      {
        "id": "e8_qc__decide",
        "label": "packet compliant",
        "source": "qc",
        "target": "decide"
      },
      {
        "id": "e9_qc__assemble",
        "label": "packet non-compliant / missing evidence — rework",
        "source": "qc",
        "target": "assemble"
      },
      {
        "id": "e10_decide__goodwill-refund",
        "label": "low-value, issue customer goodwill refund",
        "source": "decide",
        "target": "goodwill-refund"
      },
      {
        "id": "e11_decide__accept-signoff",
        "label": "clear loss — accept (do not contest) the chargeback",
        "source": "decide",
        "target": "accept-signoff"
      },
      {
        "id": "e12_decide__accept-loss",
        "label": "filing window lapsed — auto-accept loss",
        "source": "decide",
        "target": "accept-loss"
      },
      {
        "id": "e13_decide__signoff",
        "label": "high-value, borderline, or winnable fight",
        "source": "decide",
        "target": "signoff"
      },
      {
        "id": "e14_goodwill-refund__monitor",
        "source": "goodwill-refund",
        "target": "monitor"
      },
      {
        "id": "e15_accept-signoff__accept-chargeback",
        "source": "accept-signoff",
        "target": "accept-chargeback"
      },
      {
        "id": "e16_accept-chargeback__monitor",
        "source": "accept-chargeback",
        "target": "monitor"
      },
      {
        "id": "e17_signoff__submit",
        "source": "signoff",
        "target": "submit"
      },
      {
        "id": "e18_submit__monitor",
        "source": "submit",
        "target": "monitor"
      },
      {
        "id": "e19_monitor__prearb",
        "label": "issuer filed pre-arbitration — contest",
        "source": "monitor",
        "target": "prearb"
      },
      {
        "id": "e20_monitor__accept-loss",
        "label": "issuer filed pre-arbitration — concede, or representment lost",
        "source": "monitor",
        "target": "accept-loss"
      },
      {
        "id": "e21_prearb__prearb-signoff",
        "source": "prearb",
        "target": "prearb-signoff"
      },
      {
        "id": "e22_prearb-signoff__prearb-submit",
        "source": "prearb-signoff",
        "target": "prearb-submit"
      },
      {
        "id": "e23_prearb-submit__monitor",
        "source": "prearb-submit",
        "target": "monitor"
      },
      {
        "id": "e24_monitor__arbitrate",
        "label": "issuer escalated past pre-arbitration",
        "source": "monitor",
        "target": "arbitrate"
      },
      {
        "id": "e25_arbitrate__arb-signoff",
        "label": "escalate to arbitration",
        "source": "arbitrate",
        "target": "arb-signoff"
      },
      {
        "id": "e26_arbitrate__accept-loss",
        "label": "accept the loss",
        "source": "arbitrate",
        "target": "accept-loss"
      },
      {
        "id": "e27_arb-signoff__arbitration-file",
        "source": "arb-signoff",
        "target": "arbitration-file"
      },
      {
        "id": "e28_arbitration-file__monitor",
        "source": "arbitration-file",
        "target": "monitor"
      },
      {
        "id": "e29_accept-loss____end__",
        "source": "accept-loss",
        "target": "__end__"
      }
    ],
    "nodes": [
      {
        "agent": null,
        "confidential": false,
        "gate": null,
        "gateway": null,
        "human": null,
        "id": "__start__",
        "interrupt_before": false,
        "kind": "terminal",
        "label": "Start",
        "position": {
          "x": 0,
          "y": 0
        },
        "reversible": true,
        "sla": null,
        "sla_spec": null,
        "tier": "terminal",
        "tools": []
      },
      {
        "agent": "intake",
        "confidential": false,
        "gate": null,
        "gateway": null,
        "human": null,
        "id": "intake",
        "interrupt_before": false,
        "kind": "agent",
        "label": "Ingest the inbound chargeback and pull the matching transaction, order, and customer history",
        "position": {
          "x": 0,
          "y": 120
        },
        "reversible": true,
        "sla": null,
        "sla_spec": null,
        "tier": "low",
        "tools": [
          "card-network",
          "core-ledger",
          "order-mgmt",
          "case-mgmt"
        ]
      },
      {
        "agent": "classifier",
        "confidential": false,
        "gate": null,
        "gateway": null,
        "human": null,
        "id": "classify",
        "interrupt_before": false,
        "kind": "agent",
        "label": "Classify the dispute by network reason code and map the required compelling-evidence elements and filing deadline",
        "position": {
          "x": 0,
          "y": 240
        },
        "reversible": true,
        "sla": null,
        "sla_spec": null,
        "tier": "low",
        "tools": [
          "network-reason-codes",
          "case-mgmt"
        ]
      },
      {
        "agent": null,
        "confidential": false,
        "gate": null,
        "gateway": "parallel",
        "human": null,
        "id": "fork",
        "interrupt_before": false,
        "kind": "gateway",
        "label": "Score winnability and gather evidence concurrently",
        "position": {
          "x": 0,
          "y": 360
        },
        "reversible": true,
        "sla": null,
        "sla_spec": null,
        "tier": "gateway",
        "tools": []
      },
      {
        "agent": "analyzer",
        "confidential": false,
        "gate": null,
        "gateway": null,
        "human": null,
        "id": "score",
        "interrupt_before": false,
        "kind": "agent",
        "label": "Score winnability and recommend fight vs refund against historical outcomes and value/deadline thresholds",
        "position": {
          "x": 0,
          "y": 480
        },
        "reversible": true,
        "sla": null,
        "sla_spec": null,
        "tier": "medium",
        "tools": [
          "winnability-model",
          "case-mgmt"
        ]
      },
      {
        "agent": "assembler",
        "confidential": false,
        "gate": null,
        "gateway": null,
        "human": null,
        "id": "assemble",
        "interrupt_before": false,
        "kind": "agent",
        "label": "Assemble the compelling-evidence representment packet: AVS/CVV, delivery proof, prior undisputed history, terms, and rebuttal narrative",
        "position": {
          "x": 0,
          "y": 600
        },
        "reversible": true,
        "sla": null,
        "sla_spec": null,
        "tier": "medium",
        "tools": [
          "evidence-store",
          "doc-generator",
          "case-mgmt",
          "core-ledger"
        ]
      },
      {
        "agent": null,
        "confidential": false,
        "gate": null,
        "gateway": "parallel",
        "human": null,
        "id": "join",
        "interrupt_before": false,
        "kind": "gateway",
        "label": "Winnability score and evidence packet both ready",
        "position": {
          "x": 0,
          "y": 720
        },
        "reversible": true,
        "sla": null,
        "sla_spec": null,
        "tier": "gateway",
        "tools": []
      },
      {
        "agent": "classifier",
        "confidential": false,
        "gate": null,
        "gateway": null,
        "human": null,
        "id": "qc",
        "interrupt_before": false,
        "kind": "agent",
        "label": "Check the assembled packet against the reason code's required compelling-evidence elements and remaining filing window",
        "position": {
          "x": 0,
          "y": 840
        },
        "reversible": true,
        "sla": null,
        "sla_spec": null,
        "tier": "low",
        "tools": [
          "network-reason-codes",
          "evidence-store",
          "case-mgmt"
        ]
      },
      {
        "agent": null,
        "confidential": false,
        "gate": null,
        "gateway": "exclusive",
        "human": null,
        "id": "decide",
        "interrupt_before": false,
        "kind": "gateway",
        "label": "Fight vs accept / value tier / filing window remaining?",
        "position": {
          "x": 0,
          "y": 960
        },
        "reversible": true,
        "sla": null,
        "sla_spec": null,
        "tier": "gateway",
        "tools": []
      },
      {
        "agent": "analyzer",
        "confidential": false,
        "gate": null,
        "gateway": null,
        "human": null,
        "id": "goodwill-refund",
        "interrupt_before": false,
        "kind": "agent",
        "label": "Issue a goodwill/customer refund for a low-value or clearly-lost dispute and update the case (customer-facing refund, reversible/clawback-able)",
        "position": {
          "x": 0,
          "y": 1080
        },
        "reversible": true,
        "sla": null,
        "sla_spec": null,
        "tier": "medium",
        "tools": [
          "case-mgmt",
          "core-ledger",
          "winnability-model"
        ]
      },
      {
        "agent": null,
        "confidential": false,
        "gate": "gate:accept-chargeback-signoff",
        "gateway": null,
        "human": "Disputes manager / Payments Ops lead",
        "id": "accept-signoff",
        "interrupt_before": true,
        "kind": "gate",
        "label": "A disputes manager signs the decision to accept (not contest) the chargeback — this concedes liability and is terminal for the case",
        "position": {
          "x": 0,
          "y": 1200
        },
        "reversible": false,
        "sla": null,
        "sla_spec": null,
        "tier": "high",
        "tools": []
      },
      {
        "agent": "submit",
        "confidential": false,
        "gate": null,
        "gateway": null,
        "human": null,
        "id": "accept-chargeback",
        "interrupt_before": false,
        "kind": "agent",
        "label": "Accept (do not contest) the chargeback: concede liability, post the loss to the ledger and close the case — terminal, cannot be re-fought",
        "position": {
          "x": 0,
          "y": 1320
        },
        "reversible": false,
        "sla": null,
        "sla_spec": null,
        "tier": "high",
        "tools": [
          "card-network",
          "core-ledger",
          "case-mgmt"
        ]
      },
      {
        "agent": null,
        "confidential": false,
        "gate": "gate:fight-vs-refund-signoff",
        "gateway": null,
        "human": "Disputes manager / Payments Ops lead",
        "id": "signoff",
        "interrupt_before": true,
        "kind": "gate",
        "label": "A disputes manager signs the fight-vs-refund decision and the packet for high-value, borderline, or customer-affecting (goodwill/refund) cases",
        "position": {
          "x": 0,
          "y": 1440
        },
        "reversible": false,
        "sla": null,
        "sla_spec": null,
        "tier": "high",
        "tools": []
      },
      {
        "agent": "submit",
        "confidential": false,
        "gate": null,
        "gateway": null,
        "human": null,
        "id": "submit",
        "interrupt_before": false,
        "kind": "agent",
        "label": "File the dispute response / second presentment to the card network within the deadline and apply the refund/credit decision to the ledger",
        "position": {
          "x": 0,
          "y": 1560
        },
        "reversible": false,
        "sla": "network representment / dispute-response deadline",
        "sla_spec": null,
        "tier": "high",
        "tools": [
          "card-network",
          "core-ledger"
        ]
      },
      {
        "agent": "monitor",
        "confidential": false,
        "gate": null,
        "gateway": null,
        "human": null,
        "id": "monitor",
        "interrupt_before": false,
        "kind": "agent",
        "label": "Track network responses, pre-arbitration, and second-presentment outcomes, and feed wins/losses back to the winnability model",
        "position": {
          "x": 0,
          "y": 1680
        },
        "reversible": true,
        "sla": null,
        "sla_spec": null,
        "tier": "low",
        "tools": [
          "card-network:check-status",
          "case-mgmt",
          "winnability-model"
        ]
      },
      {
        "agent": "assembler",
        "confidential": false,
        "gate": null,
        "gateway": null,
        "human": null,
        "id": "prearb",
        "interrupt_before": false,
        "kind": "agent",
        "label": "On issuer pre-arbitration, assemble a rebuttal with additional/compelling evidence (or recommend conceding) within the network pre-arb window",
        "position": {
          "x": 0,
          "y": 1800
        },
        "reversible": true,
        "sla": null,
        "sla_spec": null,
        "tier": "medium",
        "tools": [
          "evidence-store",
          "doc-generator",
          "card-network:check-status",
          "case-mgmt"
        ]
      },
      {
        "agent": null,
        "confidential": false,
        "gate": "gate:prearb-signoff",
        "gateway": null,
        "human": "Disputes manager / Payments Ops lead",
        "id": "prearb-signoff",
        "interrupt_before": true,
        "kind": "gate",
        "label": "A disputes manager signs the pre-arbitration rebuttal before it is filed to the network",
        "position": {
          "x": 0,
          "y": 1920
        },
        "reversible": false,
        "sla": null,
        "sla_spec": null,
        "tier": "high",
        "tools": []
      },
      {
        "agent": "submit",
        "confidential": false,
        "gate": null,
        "gateway": null,
        "human": null,
        "id": "prearb-submit",
        "interrupt_before": false,
        "kind": "agent",
        "label": "File the pre-arbitration response to the card network within the deadline and post any ledger impact — irreversible network filing",
        "position": {
          "x": 0,
          "y": 2040
        },
        "reversible": false,
        "sla": "network pre-arbitration window",
        "sla_spec": null,
        "tier": "high",
        "tools": [
          "card-network",
          "core-ledger"
        ]
      },
      {
        "agent": null,
        "confidential": false,
        "gate": null,
        "gateway": "exclusive",
        "human": null,
        "id": "arbitrate",
        "interrupt_before": false,
        "kind": "gateway",
        "label": "Issuer escalated past pre-arb: file network arbitration (binding, fee-bearing) or accept the loss?",
        "position": {
          "x": 0,
          "y": 2160
        },
        "reversible": true,
        "sla": null,
        "sla_spec": null,
        "tier": "gateway",
        "tools": []
      },
      {
        "agent": null,
        "confidential": false,
        "gate": "gate:arbitration-signoff",
        "gateway": null,
        "human": "Disputes manager / Payments Ops lead",
        "id": "arb-signoff",
        "interrupt_before": true,
        "kind": "gate",
        "label": "A disputes manager signs the decision to escalate to network arbitration, accepting the binding ruling and arbitration fee exposure",
        "position": {
          "x": 0,
          "y": 2280
        },
        "reversible": false,
        "sla": null,
        "sla_spec": null,
        "tier": "high",
        "tools": []
      },
      {
        "agent": "submit",
        "confidential": false,
        "gate": null,
        "gateway": null,
        "human": null,
        "id": "arbitration-file",
        "interrupt_before": false,
        "kind": "agent",
        "label": "File the case to network arbitration (e.g. Mastercard DRM) for a binding ruling and pay the arbitration fee — irreversible, fee-bearing",
        "position": {
          "x": 0,
          "y": 2400
        },
        "reversible": false,
        "sla": null,
        "sla_spec": null,
        "tier": "high",
        "tools": [
          "card-network",
          "core-ledger"
        ]
      },
      {
        "agent": "monitor",
        "confidential": false,
        "gate": null,
        "gateway": null,
        "human": null,
        "id": "accept-loss",
        "interrupt_before": false,
        "kind": "agent",
        "label": "Accept the dispute loss: post the final loss to the ledger, close the case, and feed the outcome back to the winnability model — terminal",
        "position": {
          "x": 0,
          "y": 2520
        },
        "reversible": true,
        "sla": null,
        "sla_spec": null,
        "tier": "low",
        "tools": [
          "case-mgmt",
          "core-ledger",
          "winnability-model"
        ]
      },
      {
        "agent": null,
        "confidential": false,
        "gate": null,
        "gateway": null,
        "human": null,
        "id": "__end__",
        "interrupt_before": false,
        "kind": "terminal",
        "label": "Done",
        "position": {
          "x": 0,
          "y": 2640
        },
        "reversible": true,
        "sla": null,
        "sla_spec": null,
        "tier": "terminal",
        "tools": []
      }
    ]
  },
  "hash": "1731f3f6732079c297f6297028592236326318ca7534496dbdf4c699fbeb865b",
  "name": "Chargeback representment autopilot",
  "slug": "chargeback-representment",
  "source": "example",
  "version": null,
  "violations": []
}
