A Human-Check Queue for UPI Payment Screenshots in WhatsApp Order Flows

说明与用途

在印度小型企业中，付款确认往往依赖于 WhatsApp 截图，但自动批准可能导致欺诈。建议采用人工审核队列，人工将银行参考与 OCR 提取的参考进行比对后，再将付款标记为已确认。

问题

Small Indian businesses rely on customer‑sent screenshots on WhatsApp to confirm payments, but screenshots can be edited, reused, or mis‑matched to orders, making automated approval risky.

结果

Implementing a human‑review queue for UPI payment screenshots reduces the risk of fraudulent or mis‑matched payments while maintaining customer communication.

工作流

• 1. Customer sends payment screenshot on WhatsApp.
• 2. System creates a PaymentClaim with order_ref, wa_phone, image_id and extracts reference and amount via an OCR model (suggestion only).
• 3. Claim is added to a review list; status remains pending_review.
• 4. Human reviewer checks the bank or payment app, enters the actual reference seen.
• 5. System compares entered reference with extracted_ref; if they match, status becomes matched, else rejected.
• 6. Once matched, system notifies customer with “payment confirmed.”
• 7. Additional details: acknowledge receipt instantly, detect duplicates, store image ID, log reviewer name.

证据

Screenshots can be edited, reused or sent for the wrong order.

来源

The reviewer checks the bank or payment app, types the reference they actually see, and the system compares.

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Acknowledge instantly, confirm later.

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