Оценка запросов на возврат средств на мошенничество по вебхуку с проверками одобрения и журналом аудита

## Automated Refund Investigation Engine Receives a refund request, runs fraud risk scoring, performs multi-level approval checks, and returns a final refund decision with full audit trail. ### All nodes (1-line each) 1. Webhook - Refund Request – Receives the refund investigation payload via POST. 2. Code - Validate & Score Fraud Risk – Validates the request and calculates fraud risk score + required approval levels. 3. Wait - Pre Fraud Check – Short pause before external fraud service call. 4. HTTP Request - Fraud Service Check – Calls external fraud / risk scoring API. 5. Wait - Pre Level 1 Approval – Pause before Level-1 (support / auto) approval check. 6. HTTP Request - Level 1 Approver – Notifies or checks Level-1 approver. 7. Wait - Pre Level 2 Approval – Pause before Level-2 (finance / risk) approval check. 8. HTTP Request - Level 2 Approver – Notifies or checks Level-2 approver. 9. HTTP Request - Process Refund / Reject – Executes the refund or records rejection at payment gateway. 10. Code - Build Final Decision – Aggregates fraud score + approval results into final approve/reject decision + audit trail. 11. Respond to Webhook – Returns the complete investigation report to the caller.