RefundShield
Defense-only AI risk manager
Chapter 01 · The Problem
Every refund tells
a story. We read them all.
Fraudulent refund claims rarely arrive alone — they find each other. RefundShield is a two-stage, defense-only risk system that detects fraud, uncovers organized rings, and explains every decision.
Chapter 02 · A Suspicious Claim
One request, four signals.
Chapter 03 · One Becomes Many
One claim becomes a network.
Customers are connected when they share a device, a shipping address, a refund bank account — or the exact same evidence photo.
Chapter 04 · Rings Exposed
Abuse rings, exposed.
Chapter 05 · Cost of Delay
Waiting has a price, in ₹.
Open ring exposure, compounded daily at the observed activity rate of the detected rings.
Chapter 06 · Audit & Trust
Explained, logged, reversible.
Every score, every ring, every Razorpay interaction is written to an append-only SQLite audit trail.
Scores. Flags. Explanations. Logs.
RefundShield never blocks accounts or takes enforcement action — every finding lands in a human review queue with the full story attached.