{ "vercy": "1.0-draft", "publication": { "status": "research-draft", "adjudicationStatus": "unreviewed", "publishableCanonical": false, "generatedAt": "2026-09-11T04:36:02Z", "providers": [ "Claude" ], "breadth": "written by Claude from model knowledge without web access - no source was read, every claim is a lead to verify", "pass": 2, "wave": 1, "engine": "claude", "enrichment": { "pass": 3, "engine": "claude", "producedAt": "2026-10-05T16:30:00Z", "ingestedAt": "2026-10-05T13:18:27+00:00", "fields": [ "agent_conduct", "ethics", "owners" ] }, "gate": { "passed": true, "version": "1.0", "at": "2026-10-07T12:16:28+00:00", "evidence": [ "completeness 1.00", "sense: WordNet gloss", "2 live sources", "review by codex: pass" ] } }, "metaModel": { "id": "THING-PAYMENT", "registryId": "vr.tr.payment", "name": "payment", "version": "0.2.0-wave.1", "entryKind": "thing", "family": "Thing Registry", "domain": [ "SOC.ECO" ], "status": "research-draft" }, "canonicalUrl": "https://ver.cy/models/thing/payment/", "model": { "registry_id": "vr.tr.payment", "name": "payment", "purpose": "Let an agent describe payments by parties, amount, method, status and reference, and never execute a payment or transfer on anyone behalf.", "definition": "A transfer of money or other value from a payer to a payee to discharge an obligation, and the sum so transferred.", "what_it_is_for": "Settling debts and paying for goods, services, wages, taxes and benefits.", "affordances": [ "initiate and authorise it, which only the payer may do", "track it, through its status and reference", "reverse or dispute it, under the rules of the method", "reconcile it, against invoices and accounts" ], "distinguishing_features": [ "Discharges an obligation, which distinguishes it from a gift or a loan", "Has a method with its own rules for timing, cost and reversal", "Authorised by the payer", "The same word covers the act and the amount" ], "appearance": "A receipt, bank statement line, invoice marked paid, or a confirmation in an app, carrying amount, date, parties and reference.", "visual_identification": [ "Amount, currency, date, payer, payee and reference", "Status: pending, completed, failed, reversed", "Types such as royalty, bonus, dividend or premium describe the reason, not the method" ], "physical_properties": [], "families_and_kinds": [ "by method: cash, card, bank transfer, direct debit, cheque, e-money, instant payment", "by purpose: wages, royalties, dividends, bonuses, premiums, taxes", "by timing: one-off, recurring, instalment" ], "related_models": [ { "relation": "moves", "target": "money", "why": "payments transfer money" }, { "relation": "settles", "target": "invoice or debt", "why": "the obligation discharged" }, { "relation": "is processed by", "target": "payment system", "why": "card schemes, SEPA, Faster Payments and others" }, { "relation": "is confused with", "target": "transfer of funds between own accounts", "why": "no obligation is discharged" } ], "identifiers": [ { "scheme": "payment reference", "value_or_pattern": "end-to-end id", "note": "links the payment to its purpose" }, { "scheme": "IBAN", "value_or_pattern": "up to 34 characters", "note": "identifies accounts, not payments" }, { "scheme": "ISO 20022 message", "value_or_pattern": "pacs, pain, camt messages", "note": "standard payment messages" } ], "standards_and_regulation": [ "EU Payment Services Directive (PSD2) and national equivalents", "ISO 20022 financial messaging", "Card scheme rules and chargeback procedures", "Anti-money-laundering and sanctions law" ], "failure_modes_and_hazards": [ "Authorised push payment fraud", "Wrong payee or amount", "Duplicate payments", "Failed payments causing penalties" ], "in_scope": [], "out_of_scope": [], "characteristics": [], "agent_conduct": { "may": [ "Prepare a payment for a person to review, with payee, amount, currency and reference.", "Check a payment against an invoice and flag mismatches, duplicates or unusual payees.", "Report the status of a payment the user has authorized it to track." ], "must_not": [ "Send, approve or release a payment without the payer's explicit authorization for that payment.", "Change a payee's account details on the strength of an unverified message.", "Split or structure payments to avoid controls or reporting rules.", "Hide fees, exchange rates or charges from the payer." ], "requires_human": [ "Authorizing any payment or refund.", "Adding or changing a payee." ] }, "ethics": { "considerations": [ "A wrong or fraudulent payment is often unrecoverable, so the payer's informed consent is essential.", "Late or failed payments can push people into penalties and debt." ], "affected_parties": [ "Payers", "Payees", "Victims of payment fraud" ] }, "owners": { "steward": "The payer who authorizes it and the payment service provider that executes it.", "master_systems": [ "Bank and payment service provider transaction records" ] } }, "sources": [ { "id": "oewn", "title": "Open English WordNet 2024, synset oewn-13299398-n", "url": "https://en-word.net/id/oewn-13299398-n", "what_it_supports": "sense and gloss of the concept", "url_status": "live", "checked_by": "http 200" }, { "id": "wiktionary-en", "title": "Wiktionary: payment", "url": "https://en.wiktionary.org/wiki/payment", "what_it_supports": "word senses and usage", "url_status": "live", "checked_by": "http 200" } ], "structure": { "bundles": [ { "id": "parties-and-amount", "name": "Parties and amount", "description": "Who pays whom, how much.", "rationale": "The core record of a payment is parties, amount and purpose.", "layers": [ { "id": "parties", "name": "Parties", "description": "Payer and payee.", "findings": [ { "id": "parties-finding", "name": "Parties identified", "description": "Payer and payee and their accounts.", "questions": [ { "text": "Who is the payer and who the payee?", "kind": "definition" }, { "text": "Has the payee been verified, for example by name check?", "kind": "boundary" } ] } ] }, { "id": "amount", "name": "Amount and purpose", "description": "Sum, currency and reason.", "findings": [ { "id": "amount-finding", "name": "Amount and purpose", "description": "The amount, currency and obligation.", "questions": [ { "text": "What amount and currency, for which obligation?", "kind": "measurement" }, { "text": "Which reference links it to the invoice or debt?", "kind": "provenance" } ] } ] } ] }, { "id": "method", "name": "Method", "description": "How the payment moves.", "rationale": "The method decides speed, cost and reversibility.", "layers": [ { "id": "channel", "name": "Channel", "description": "Card, transfer, debit, cash.", "findings": [ { "id": "channel-finding", "name": "Method used", "description": "The method and scheme.", "questions": [ { "text": "By which method and scheme is the payment made?", "kind": "definition" }, { "text": "What does it cost, and who pays the fees?", "kind": "measurement" } ] } ] }, { "id": "timing", "name": "Timing", "description": "Execution and settlement.", "findings": [ { "id": "timing-finding", "name": "Timing", "description": "When it executes and settles.", "questions": [ { "text": "When will it arrive, and when is it final?", "kind": "measurement" }, { "text": "What cut-off times apply?", "kind": "boundary" } ] } ] } ] }, { "id": "status-and-disputes", "name": "Status and disputes", "description": "Where it is and what if it goes wrong.", "rationale": "Status and dispute rights are what people ask about.", "layers": [ { "id": "status", "name": "Status", "description": "Pending, completed, failed.", "findings": [ { "id": "status-finding", "name": "Current status", "description": "The status and its source.", "questions": [ { "text": "What is the current status of this payment, according to which system?", "kind": "provenance" }, { "text": "What does that status mean for the payee?", "kind": "definition" } ] } ] }, { "id": "disputes", "name": "Disputes and reversal", "description": "Chargebacks and recalls.", "findings": [ { "id": "disputes-finding", "name": "Dispute rights", "description": "Rights to dispute or reverse.", "questions": [ { "text": "Can this payment be disputed or recalled, and within what time?", "kind": "boundary" }, { "text": "Who should the payer contact?", "kind": "action" } ] } ] } ] }, { "id": "controls", "name": "Controls", "description": "Authorisation, fraud and law.", "rationale": "Payments are a main target of fraud and are heavily regulated; an agent must not execute them.", "layers": [ { "id": "authorisation", "name": "Authorisation", "description": "Strong authentication.", "findings": [ { "id": "authorisation-finding", "name": "Authorisation check", "description": "How the payer authorised it.", "questions": [ { "text": "How was this payment authorised?", "kind": "provenance" }, { "text": "Must the payer confirm it personally?", "kind": "action" } ] } ] }, { "id": "fraud", "name": "Fraud and sanctions", "description": "Screening and red flags.", "findings": [ { "id": "fraud-finding", "name": "Screening", "description": "Fraud and sanctions checks.", "questions": [ { "text": "Does this payment show fraud red flags?", "kind": "boundary" }, { "text": "Which sanctions or reporting rules apply?", "kind": "boundary" } ] } ] } ] } ] }, "openQuestions": [ "Should payment methods be separate entries?", "How should payment status be represented for agents answering \"has it been paid\"?", "How should payment purposes merged here, such as dividends and royalties, be split off?" ], "statistics": { "bundles": 4, "layers": 8, "findings": 8, "questions": 16 } }