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[
{
"id": "finance-payment-reconciliation",
"group": "finance",
"groupTitle": "Finance",
"title": "Payment: authorization is not settlement",
"description": "Follow one payment from card authorization through clearing, settlement and an exception-ledger reconciliation.",
"useWhen": "Explain to product and finance teams why an approved payment can still be unsettled or unreconciled.",
"avoid": "Do not use to specify payment-network messages, double-entry postings, dispute rights or accounting policy.",
"assumptions": "Original conceptual flow; card, merchant and issuer roles are simplified. All timings and entry labels are illustrative; no monetary rates or compliance claims.",
"config": {
"duration": 6000,
"reference": "A"
},
"beats": [
{
"at": 0,
"label": "Authorize"
},
{
"at": 1000,
"label": "Capture"
},
{
"at": 2000,
"label": "Clear"
},
{
"at": 3000,
"label": "Settle"
},
{
"at": 4000,
"label": "Reconcile"
},
{
"at": 6000,
"label": "Complete"
}
]
},
{
"id": "finance-insurance-evidence",
"group": "finance",
"groupTitle": "Finance",
"title": "Insurance: evidence before settlement",
"description": "A claim file combines photos, policy context and assessment; a missing item returns for review before payout.",
"useWhen": "Use for claims operations audiences discussing evidence completeness, traceability and review handoffs.",
"avoid": "Not a coverage determination, fraud score, legal timetable, automated approval policy or claim valuation model.",
"assumptions": "All time values are illustrative. The claim and damaged property are fictional; settlement presumes a separate valid coverage and terms decision.",
"config": {
"duration": 6000,
"missingItem": "Signature"
},
"beats": [
{
"at": 0,
"label": "Intake"
},
{
"at": 1000,
"label": "Assemble"
},
{
"at": 2000,
"label": "Review gap"
},
{
"at": 3000,
"label": "Resolve"
},
{
"at": 4000,
"label": "Settle"
},
{
"at": 6000,
"label": "Complete"
}
]
}
]