Receiving Infraction Reports

Upon receiving an infraction report, QI Tech will automatically block the account resource equivalent to the disputed transaction, and send follow-up notifications throughout the entire infraction cycle, including giving the client a chance to justify the transaction. However, it's worth noting that the final decision on whether to accept an infraction or not will come from QI Tech. All communication related to infractions is carried out via webhooks.

Webhook for an incoming infraction report

An incoming infraction report is an infraction opened by another bank, where the account owner is the target of the disputed transaction.

Webhook request body

Webhook: incoming infraction report

{
  "event_datetime": "2024-07-22T10:31:09Z",
  "key": "15d91f4b-a55c-41a6-9c46-2704253a1cf7",
  "data": {
    "target_person_key": "4f6ea994-e53a-4ef8-b2b0-89d14c4667bc",
    "end_to_end_id": "E12345678202407171627342xlR8KpoD",
    "pix_transfer_key": "6cf241f8-328a-4813-90ab-2aef74d853ac",
    "target_account_key": "9d5b1a98-03ac-4202-91e8-29dbff3d1108",
    "infraction_report_status": "pending_client_awnser",
    "infraction_report_situation": "fraudulent_access",
    "analysis_result": null,
    "analysis_details": null,
    "infraction_report_type": "refund_request",
    "debited_participant": "12345678",
    "credited_participant": "32402502",
    "blocked_balance_status": "completelly_blocked",
    "infraction_report_key": "90b4e1bc-89bc-4df8-98a2-f912447b178f",
    "infraction_report_details": "Transação acusada como fraudulenta pelo originador.",
    "client_details": null,
    "created_at": "2024-07-22T13:31:09Z",
    "updated_at": "2024-07-22T13:31:09Z",
  },
  "status": "pending_client_awnser",
  "webhook_type": "incoming.internal_infraction_report"
}

Field	Type	Description	Characters
event_datetime *	string	Transaction creation date and time.	20
key *	enum	Unique identification key for the event sending.	32
data *	string	Incoming infraction report data object.	incoming_infraction_report Object
status *	string	Infraction status.	incoming_infraction_report_status Enumerators

incoming_infraction_report Object

Field	Type	Description	Characters
target_person_key *	string	Person key of the infraction target.	32
end_to_end_id *	string	end_to_end_id of the original transaction.	32
pix_transfer_key *	string	Pix transfer key of the original transaction.	32
target_account_key *	string	Account key of the original transaction destination account.	32
infraction_report_status *	string	Infraction status.	incoming_infraction_report_status Enumerators
infraction_report_situation *	string	Infraction situation.	infraction_report_situation Enumerators
analysis_result	string	Analysis result. Decided by QI Tech.	infraction_report_analysis_result Enumerators
analysis_details	string	Analysis result justification.	200
infraction_report_type *	string	Type of infraction report.	infraction_report_type Enumerators
debited_participant *	string	Participant that originated the transaction.	8
credited_participant *	string	Participant that received the transaction.	8
blocked_balance_status *	string	Balance blocking status of the destination account.	blocked_balance_status Enumerators
infraction_report_key *	string	UUID4 identifier of the transaction in Bacen.	32
infraction_report_details	string	Infraction details, sent by the other participant.	2000
client_details	string	Details provided by the client about the original transaction.	2000
created_at *	string	Transaction modification date and time.	20
updated_at *	string	Transaction creation date and time.	20

incoming_infraction_report_status Enumerators

Enumerator	Description
pending_client_awnser	Infraction received, awaiting client justification.
pending_approval	Justification sent, awaiting internal approval.
automatically_closed	Automatically closed due to lack of client response.
manually_closed	Closed by QI Tech after analyzing the client's response.
cancelled	Cancelled by the originator.

infraction_report_situation Enumerators

Enumerator	Description
scam	Cause of scam or fraud.
account_takeover	Cause of unauthorized transaction from the origin account.
coercion	Cause of coercion crime.
fraudulent_access	Cause of fraudulent access to the origin account.
other	Any causes not applicable to those listed above.

infraction_report_analysis_result Enumerators

Enumerator	Description
agreed	The Indirect Participant agrees with the Infraction Report created by the other Participant.
disagreed	The Indirect Participant disagrees with the Infraction Report created by the other Participant.

infraction_report_type Enumerators

Enumerator	Description
refund_cancelled	Infraction report will be generated due to a cancelled refund.
refund_request	Infraction report will be generated to request a refund.

blocked_balance_status Enumerators

Enumerator	Description
no_balance	Client account without balance. Monitoring pending balance.
completelly_blocked	Resources equivalent to the transaction completely blocked.
partially_blocked	Resources equivalent to the transaction partially blocked. Monitoring balance.
settled	Infraction accepted, and refund request payment made.
partially_settled	Infraction accepted, and refund request payment partially made.
released	Resources released, either by infraction cancellation or closure in disagreement.

info

An infraction will be automatically closed accepting if the client does not respond to the infraction within 5 days.

Webhook for an outgoing infraction report

An outgoing infraction report is an infraction opened by QI, targeting another participant.

Webhook request body

Webhook: outgoing infraction report

{
  "event_datetime": "2024-07-22T10:31:09Z",
  "key": "15d91f4b-a55c-41a6-9c46-2704253a1cf7",
  "data": {
    "infraction_report_key": "4f6ea994-e53a-4ef8-b2b0-89d14c4667bc",
    "pix_transfer_key": "6cf241f8-328a-4813-90ab-2aef74d853ac",
    "source_account_key": "9d5b1a98-03ac-4202-91e8-29dbff3d1108",
    "end_to_end_id": "E32402502202407171627342xlR8KpoD",
    "infraction_report_status": "open",
    "infraction_report_situation": "account_takeover",
    "infraction_report_type": "refund_request",
    "infraction_report_details": "Transação fraudulenta.",
    "debited_participant": "32402502",
    "credited_participant": "12345678",
    "analysis_result": null,
    "analysis_details": null,
    "updated_at": "2024-07-22T13:31:09Z",
    "created_at": "2024-07-22T13:31:09Z",
},
  "status": "open",
  "webhook_type": "outgoing.internal_infraction_report"
}

Field	Type	Description	Characters
event_datetime *	string	Transaction creation date and time.	20
key *	enum	Unique identification key for the event sending.	32
data *	string	Outgoing infraction report data object.	outgoing_infraction_report Object
status *	string	Infraction status.	outgoing_infraction_report_status Enumerators

outgoing_infraction_report Object

Field	Type	Description	Characters
infraction_report_key *	string	UUID4 identifier of the transaction in Bacen.	32
end_to_end_id *	string	end_to_end_id of the original transaction.	32
pix_transfer_key *	string	Pix transfer key of the original transaction.	32
source_account_key *	string	Account key of the original transaction source account.	32
infraction_report_status *	string	Infraction status.	outgoing_infraction_report_status Enumerators
infraction_report_situation *	string	Infraction situation.	infraction_report_situation Enumerators
infraction_report_type *	string	Type of infraction report.	infraction_report_type Enumerators
infraction_report_details	string	Infraction details, sent by QI Tech.	2000
debited_participant *	string	Participant that originated the transaction.	8
credited_participant *	string	Participant that received the transaction.	8
analysis_result	string	Analysis result. Decided by the other participant.	infraction_report_analysis_result Enumerators
analysis_details	string	Analysis result justification.	200
created_at *	string	Transaction modification date and time.	20
updated_at *	string	Transaction creation date and time.	20

outgoing_infraction_report_status Enumerators

Enumerator	Description
open	Infraction opened and sent to the other participant.
closed	Infraction responded to by the other participant.
cancelled	Infraction cancelled by QI Tech.