Use Jev for AP invoice fraud gates

curl -sS https://router.flatkey.ai/api/alpha/decisions \
  -H "Authorization: Bearer $FLATKEY_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
  "model": "typesafe/jev-1.13",
  "state": "Invoice INV-20931 from Northwind Supplies — $48,600.00, due in 3 days\nPO-7781 match: amount OK, qty OK, goods receipt posted\nDuplicate check: no exact match; INV-2093 for $48,600.00 paid 41 days ago\nVendor master: bank account changed 2 days ago via emailed request (new bank, new country)\nEmail note: \"Please pay to the new account urgently, our old bank is closing.\"\nPolicy: bank-detail change in last 30 days requires call-back verification; possible duplicates go to AP review.\nTask: typed payment decision — pay / verify_vendor / human_review / reject (+ fraud_risk, needs_human).",
  "questions": {
    "payment_action": {
      "type": "choice",
      "instructions": "Decide what accounts payable should do with this invoice before any payment is released. Use only the invoice, matching results, payment history and vendor master facts provided.",
      "criteria": {
        "pay": "Clean match to PO/receipt, no duplicate signal, vendor bank details unchanged; safe to include in the payment run",
        "verify_vendor": "Payment looks legitimate but vendor bank details or remit-to changed recently; confirm by call-back to a known contact before paying",
        "human_review": "Possible duplicate, PO/amount mismatch, or policy exception (no PO, over threshold); an AP analyst must review",
        "reject": "Clear duplicate of a paid invoice, unknown vendor, or strong fraud signals; do not pay"
      }
    },
    "fraud_risk": {
      "type": "score",
      "instructions": "How likely is this invoice or payment request to be fraudulent or a duplicate, based on bank-detail changes, duplicate signals, urgency pressure and matching gaps.",
      "criteria": [
        "low",
        "medium",
        "high"
      ]
    },
    "needs_human": {
      "type": "noul",
      "instructions": "A human in AP or finance must approve before this payment is released."
    }
  }
}'

// Node.js 18+ (built-in fetch). Run: FLATKEY_API_KEY=... node jev.mjs
const body = {
  "model": "typesafe/jev-1.13",
  "state": "Invoice INV-20931 from Northwind Supplies — $48,600.00, due in 3 days\nPO-7781 match: amount OK, qty OK, goods receipt posted\nDuplicate check: no exact match; INV-2093 for $48,600.00 paid 41 days ago\nVendor master: bank account changed 2 days ago via emailed request (new bank, new country)\nEmail note: \"Please pay to the new account urgently, our old bank is closing.\"\nPolicy: bank-detail change in last 30 days requires call-back verification; possible duplicates go to AP review.\nTask: typed payment decision — pay / verify_vendor / human_review / reject (+ fraud_risk, needs_human).",
  "questions": {
    "payment_action": {
      "type": "choice",
      "instructions": "Decide what accounts payable should do with this invoice before any payment is released. Use only the invoice, matching results, payment history and vendor master facts provided.",
      "criteria": {
        "pay": "Clean match to PO/receipt, no duplicate signal, vendor bank details unchanged; safe to include in the payment run",
        "verify_vendor": "Payment looks legitimate but vendor bank details or remit-to changed recently; confirm by call-back to a known contact before paying",
        "human_review": "Possible duplicate, PO/amount mismatch, or policy exception (no PO, over threshold); an AP analyst must review",
        "reject": "Clear duplicate of a paid invoice, unknown vendor, or strong fraud signals; do not pay"
      }
    },
    "fraud_risk": {
      "type": "score",
      "instructions": "How likely is this invoice or payment request to be fraudulent or a duplicate, based on bank-detail changes, duplicate signals, urgency pressure and matching gaps.",
      "criteria": [
        "low",
        "medium",
        "high"
      ]
    },
    "needs_human": {
      "type": "noul",
      "instructions": "A human in AP or finance must approve before this payment is released."
    }
  }
};

const res = await fetch("https://router.flatkey.ai/api/alpha/decisions", {
  method: "POST",
  headers: {
    Authorization: `Bearer ${process.env.FLATKEY_API_KEY}`,
    "Content-Type": "application/json",
  },
  body: JSON.stringify(body),
});
if (!res.ok) throw new Error(`Jev request failed: ${res.status} ${await res.text()}`);
const { answers, usage } = await res.json();
console.log(JSON.stringify(answers, null, 2), usage);

# Python 3.8+ (pip install requests). Run: FLATKEY_API_KEY=... python jev.py
import json, os, requests

body = json.loads(r"""{
  "model": "typesafe/jev-1.13",
  "state": "Invoice INV-20931 from Northwind Supplies — $48,600.00, due in 3 days\nPO-7781 match: amount OK, qty OK, goods receipt posted\nDuplicate check: no exact match; INV-2093 for $48,600.00 paid 41 days ago\nVendor master: bank account changed 2 days ago via emailed request (new bank, new country)\nEmail note: \"Please pay to the new account urgently, our old bank is closing.\"\nPolicy: bank-detail change in last 30 days requires call-back verification; possible duplicates go to AP review.\nTask: typed payment decision — pay / verify_vendor / human_review / reject (+ fraud_risk, needs_human).",
  "questions": {
    "payment_action": {
      "type": "choice",
      "instructions": "Decide what accounts payable should do with this invoice before any payment is released. Use only the invoice, matching results, payment history and vendor master facts provided.",
      "criteria": {
        "pay": "Clean match to PO/receipt, no duplicate signal, vendor bank details unchanged; safe to include in the payment run",
        "verify_vendor": "Payment looks legitimate but vendor bank details or remit-to changed recently; confirm by call-back to a known contact before paying",
        "human_review": "Possible duplicate, PO/amount mismatch, or policy exception (no PO, over threshold); an AP analyst must review",
        "reject": "Clear duplicate of a paid invoice, unknown vendor, or strong fraud signals; do not pay"
      }
    },
    "fraud_risk": {
      "type": "score",
      "instructions": "How likely is this invoice or payment request to be fraudulent or a duplicate, based on bank-detail changes, duplicate signals, urgency pressure and matching gaps.",
      "criteria": [
        "low",
        "medium",
        "high"
      ]
    },
    "needs_human": {
      "type": "noul",
      "instructions": "A human in AP or finance must approve before this payment is released."
    }
  }
}""")

res = requests.post(
    "https://router.flatkey.ai/api/alpha/decisions",
    headers={"Authorization": f"Bearer {os.environ['FLATKEY_API_KEY']}"},
    json=body,
    timeout=60,
)
res.raise_for_status()
data = res.json()
print(json.dumps(data["answers"], indent=2), data.get("usage"))

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