Nº10 · Independent prototype · Oct 2026独立原型 · 2026 年 10 月Card disputes · Go · synthetic data银行卡争议 · Go · 合成数据
Dispute Ingestion Service
Card networks redeliver and regulators set deadlines; this service turns both into one record per case, a dated deadline and a person in the loop for anything risky.卡组织会重复投递，监管会设截止时间；这个服务把两者变成：每个案件一条记录、明确的截止日期，有风险的都交给人。
- CSV batch · webhookCSV 批次 · webhook
- Validate校验
- Dedupe去重
- Deadlines + risk截止日期 + 风险
- Manual review人工审核
- Hash-chained ledger哈希链账本
SECTION · DISPUTE INGESTION SERVICEDesign view · code on GitHub设计视图 · 代码在 GitHub
01Problem问题
Disputes arrive as network CSV batches and issuer webhooks, often more than once. Each one starts a Regulation E or Z clock, and an automatic credit on a fraudulent claim is money that does not come back.争议以卡组织 CSV 批次和发卡行 webhook 的形式到达，而且经常重复。每一条都会启动 Reg E 或 Reg Z 的计时，对欺诈申请自动入账，钱就回不来了。
02What I built我做了什么
- Normalizes Visa and Mastercard reason codes and issuer categories into one model; amounts parse to integer cents, and every field error in a row is kept in a quarantine log.把 Visa、Mastercard 原因码和发卡行类别统一成一个模型；金额解析为整数分；一行里的每个字段错误都写入隔离日志。
- Idempotent ingestion keyed on network + case ID: a redelivery returns 200, the same ID with different content returns 409.以「卡组织 + 案件号」做幂等：重复投递返回 200，同一编号内容不同返回 409。
- Simplified Reg E (debit) and Reg Z (credit) deadlines, plus a flag for filings outside the 120-day network window.简化版 Reg E（借记卡）和 Reg Z（信用卡）截止日期，并标记超出 120 天卡组织窗口的申请。
- Auto-credits only low-risk, in-window cases under a limit; named fraud signals send a case to manual review. There is no auto-deny.只有低风险、在窗口内、低于限额的案件自动临时入账；命中具名欺诈信号就转人工审核；不做自动拒绝。
- Parallel validation, serialized commits, and a hash-chained ledger that is verified on startup and refuses to start if edited.并行校验、串行提交；哈希链账本启动时校验，被改过就拒绝启动。
03Measured测量结果
20 → 1
concurrent redeliveries of one case create one record同一案件 20 次并发重投只建一条记录
04Limits, stated plainly局限，直说
- Synthetic data only; not connected to any network or bank.只用合成数据；没有接入任何卡组织或银行。
- Regulatory rules are simplified: no bank holidays, new-account extensions or per-reason-code network windows.监管规则是简化版：没有银行假日、新账户延期，也没有按原因码区分的卡组织窗口。
- The ledger is a local file; a production version would keep the chain in PostgreSQL behind a unique constraint.账本是本地文件；生产版本会把哈希链放进 PostgreSQL，并加唯一约束。
- Built while preparing for a payments role, to learn the domain.为准备一个支付方向的岗位、学习这个领域而做。