付款失敗模式偵測

osop_version: "1.0"
id: "payment-failure-alert"
name:"付款失敗模式偵測"
description:"AI 識別反覆發生的付款失敗模式，並告警財務團隊進行根本原因排查。"

nodes:
  - id: "payment_events"
    type: "event"
    name: "付款嘗試串流"
    description: "付款成功、失敗與重試的即時資料串流。"

  - id: "failure_analysis"
    type: "agent"
    subtype: "llm"
    name: "AI 失敗模式分析"
    description: "依處理商、BIN 範圍、地區與錯誤碼關聯失敗事件。"
    security:
      risk_level: "low"

  - id: "issue_detect"
    type: "system"
    name: "反覆問題偵測"
    description: "區分系統性失敗與隨機噪音。"

  - id: "finance_alert"
    type: "api"
    name: "財務團隊告警"
    description: "告警內容包含失敗模式、影響量與預估收入損失。"

  - id: "root_cause_fix"
    type: "human"
    subtype: "review"
    name: "根本原因排查與修復"
    description: "財務團隊聯繫處理商、更新路由規則或切換支付閘道。"
    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"