Read every payment note for drugs, gambling, abuse and scams

Fields

• Payment note
• History between the two users (frequent contact, occasional contact, first payment or business account)

Questions

1. Which prohibited or risky use, if any, does the payment note describe? Choice

   Pick the use the note describes on its face, including slang and emoji, even when it may be a joke; the joke question records that. Business trading, moving money for others and abuse have their own questions. Choose Nothing on the list when the note describes none of these uses.

   • Nothing on the list An ordinary personal payment, such as a share of a bill, a gift, rent to a flatmate or a debt between friends, or a note that names no use at all.
   • Drugs Buying or selling illegal drugs, in plain words, slang or emoji, including amounts such as "a half" or "a q".
   • Weapons Buying or selling guns, ammunition, knives sold as weapons or parts for them.
   • Gambling or betting A bet, a stake, winnings, a pool or sweepstake, poker or casino credit, or paying off a gambling debt.
   • Sexual services Paying for sex, escorting, or sexual content from a person, in plain words or euphemism.
   • Stolen or counterfeit goods Goods described as stolen, "fell off a lorry", fake branded goods or copies sold as genuine.
   • Accounts or identity documents Buying or selling a login, a streaming or gaming account, a bank account, or an identity document or its details.
   • Purchase from a stranger Tickets, a pet, goods, a vehicle or a rental deposit paid to someone the payer does not know, usually before seeing the item.

2. Does the payment note read as a joke between people who know each other, rather than a real description of what the money is for? Yes / No

   Use the relationship field and the wording. A joke usually sits next to an ordinary purpose, as in "pizza and cocaine lol", or is plainly absurd. Yes: The note reads as a joke or banter, and the money is most likely for something ordinary. No: The note reads as a real description of what the money is for, or makes no joke.

3. Does the payment note describe paying a business for goods or services through a personal account? Yes / No

   Count an order number, an invoice, a regular trade such as haircuts, lessons, cakes or repairs paid as a customer, and a note that reads like a shop receipt. A friend paying back their share of a meal, or one sale of a personal item, does not count. Yes: The note describes paying someone as a business for goods or services. No: The note describes a personal payment between people, or a payment to a business account.

4. Does the payment note suggest the money is being passed on for someone else, or is a fee for passing money on? Yes / No

   Count "send it on to", "for Dan, pass it over", "your cut", "commission", "for using your account", or a note that says the recipient is holding or moving the money for a third person. Yes: The note suggests the money is being moved on for someone else, or pays for doing so. No: The note says nothing of this kind.

5. Is the payment note abusive, threatening or harassing towards the recipient? Yes / No

   Count insults, threats, sexual harassment, and notes that try to control or track the recipient, such as demanding they answer, saying where they are, or saying they cannot leave. A blunt request to be paid back is not harassment. Yes: The note insults, threatens, harasses or tries to control the recipient. No: The note does none of these.

6. Is there enough text in the payment note to judge it? Yes / No

   An emoji alone can be enough when its meaning is plain, such as a pizza. Answer No for a single letter, a string of numbers, or a word whose meaning depends on something not included. Yes: A careful reader could judge the note from the text given. No: The note is empty, or its meaning depends on something not included.

7. How much does this payment note need the monitoring team to look at it? Scale

   Rate the note as a whole against the prohibited uses and the abuse rule in the context. Rate the words, not the person or the amount.

   • None An ordinary note, or a clear joke. Nothing for the monitoring team.
   • Log only A possible prohibited use or a weak sign, worth adding to the monitoring profile for code to weigh with other payments; no one needs to look now.
   • Review A likely prohibited use or scam risk: a person should look at the note and the account.
   • Urgent A note that threatens or controls the recipient, or plainly describes a prohibited use: a person should look first, today.

8. What should happen to this payment note before the recipient sees it? Choice

   Judge the note against the rules in the context as a whole. This is a suggestion for code and a reviewer; the payment itself always goes through, and nothing is deleted.

   • Deliver Nothing in the note breaks a rule or puts the recipient at risk.
   • Deliver and log The recipient sees the note, and it is added to the monitoring profile because it may describe a prohibited use.
   • Hold the note for review The note may threaten, harass or control the recipient: the payment arrives, and a person checks the note before the recipient sees it.

Lens columns

prohibited_use, prohibited_use_probability, joke_or_banter, joke_or_banter_probability, commercial_use, commercial_use_probability, mule_signals, mule_signals_probability, harassment_or_control, harassment_or_control_probability, text_judgeable, text_judgeable_probability, monitoring_priority, monitoring_priority_average, suggested_handling, suggested_handling_probability