Turn "what is this payment for" into a purpose code

Fields

• Sender's own words: what is this payment for?
• Sender type (individual or business)
• Destination country

Questions

1. Which purpose on the list best fits the sender's description of the payment? Choice

   Pick the one purpose that fits the main thing the sender says the money is for. When the text names two purposes, pick the one it puts first or gives most weight; the multiple purposes question records the second.

   • Family support Money for relatives' everyday living costs, such as food, bills and household expenses, sent regularly or when needed.
   • Education School, college or university fees, course costs, or a student's living costs while studying.
   • Medical treatment Hospital, doctor, medicine or care bills for the sender or someone else.
   • Salary or wages Pay for an employee, a worker or a contractor for work done for the sender.
   • Payment for goods Paying a supplier or seller for products bought, such as stock, materials or equipment.
   • Payment for services Paying for work or a service, such as software, design, consulting, repairs or transport.
   • Rent Rent or a deposit for a home, a room, an office or a shop.
   • Loan repayment Paying back a loan, a mortgage or money borrowed from a person or a lender.
   • Investment Buying shares, funds, crypto or a stake in a business, or adding to an investment account.
   • Property purchase Buying land, a house or a flat, or paying an instalment towards one.
   • Tax payment Paying a tax, a duty or a government fee.
   • Gift or donation A one-off gift, such as for a wedding or a birthday, or a donation to a charity, a temple, a church or a mosque, not for regular living costs.
   • Transfer to own account Moving the sender's own money to an account in their own name in the destination country.
   • Travel Paying for the sender's own travel, a holiday, a hotel or spending money for a trip.

2. How clearly does the sender state what the payment is for? Scale

   Rate how clearly the words state one purpose, not whether the purpose is allowed.

   • Vague No purpose can be read from the words, such as "money", "payment" or "transfer".
   • Probable One purpose is likely but not stated, such as "for mum" (family support or a gift) or "for the house" (rent or property).
   • Stated The words state the purpose plainly, such as "school fees" or "invoice for stock".

3. Does the sender describe more than one purpose for the same payment? Yes / No

   Count two purposes on the list in one payment, such as "hospital bills and her monthly groceries". Two items of the same purpose, such as two invoices for stock, do not count. Yes: The words describe two or more purposes on the list. No: The words describe one purpose, or none.

4. Does the purpose described fit a business payment while the sender is an individual, or the other way round? Yes / No

   Compare the words with the sender type. A business payment is one for stock, supplies, staff, trade invoices or business services. A personal payment is one for family, gifts, study, health or the sender's own home. Yes: An individual describes a business payment, or a business describes a personal one. No: The purpose fits the sender type, or could fit either.

5. Which scam story, if any, do the sender's words most resemble? Choice

   Pick the one scam story named in the context that the words most resemble. Choose No scam story when the words describe an ordinary payment.

   • No scam story An ordinary payment such as rent, a bill, a purchase from a known seller or money to family, with nothing that fits a scam story.
   • Bank or police impersonation Someone claiming to be from the bank, the police or another authority says the sender's money is at risk and must be moved to keep it safe.
   • Other impersonation Someone claiming to be from a tax office, a utility, a delivery firm or a phone company asks for payment of a bill, a fine or a fee.
   • Investment Crypto, a trading platform or an opportunity promising high or guaranteed returns, usually found online or through a new contact.
   • Romance or friendship Money for someone the sender knows only online or has never met in person, often for travel, a medical bill or an emergency.
   • Purchase from a stranger Goods, a pet, tickets, a vehicle or a rental deposit paid by bank transfer to a seller found online, usually before seeing the item.
   • Invoice or bank detail change A supplier, builder, solicitor or landlord has sent new bank details for a payment the sender expected to make.
   • Advance fee A fee paid to release a loan, a prize, an inheritance, a parcel or a refund.
   • Job or task scam Paying to unlock earnings, commission or a job that comes from online tasks, reviews or orders.
   • Relative on a new number A message claiming to be from a child or another relative with a new phone number asks for money urgently.

Lens columns

purpose, purpose_probability, purpose_clarity, purpose_clarity_average, multiple_purposes, multiple_purposes_probability, sender_type_mismatch, sender_type_mismatch_probability, scam_story, scam_story_probability