PAYMENT STATUS RECOVERYUPI UNCERTAINTY ENGINE

Financial Clearinghouse Prototype • Multi-Party Telemetry

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SYNTH-TX-101P2M (Merchant)Settled (Success)DO NOT RETRY

Blue Tokai Coffee [SYNTHETIC]

VPA: bluetokai@okhdfcbank • Bank UTR: 908234120911

Initiated: 01 Oct 2026, 01:45 pm•Elapsed: 14 mins ago•Routing: HDFC Bank → ICICI Bank
Transaction Amount₹340
Debited from HDFC Bank

Deterministic Recovery Guidance

Strict Directive: DO NOT RETRYRule: RULE_01_DEFINITIVE_SUCCESS

Payment Successful

All systems confirmed settlement and completion.

What We Know

  • ₹340 debited from HDFC Bank.
  • NPCI UPI Switch successfully routed the transfer.
  • Beneficiary bank (ICICI Bank) confirmed receipt.
  • Merchant (Blue Tokai Coffee [SYNTHETIC]) confirmed order fulfillment.
  • Bank Reference (UTR): 908234120911

What Remains Uncertain

All multi-party telemetry signals have been fully reconciled.

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Multi-Party Telemetry Breakdown

4-Party Clearing Rails
1
Debited

Remitter Bank (Payer)

HDFC Bank

Issuing bank holding user account

Confirmed funds deduction of ₹340 from customer account.

remitterDebit = DEBITED
2
Success

NPCI UPI Switch

NPCI Central Network

National payment switch & router

Central UPI Switch processed and verified the transfer packet.

npciSwitch = SUCCESS
3
Credited

Beneficiary Bank

ICICI Bank

Receiving bank holding payee account

Payee bank (ICICI Bank) confirmed funds received and credited to account.

beneficiaryCredit = CREDITED
4
Order Confirmed

Merchant POS / Soundbox

Blue Tokai Coffee [SYNTHETIC]

Aggregator / Counter billing terminal

Merchant terminal / billing system reconciled payment against invoice.

merchantOrder = CONFIRMED
* Multi-party signals modeled after UPI ISO 8583 / XML clearing protocol. 100% simulated synthetic telemetry.

Chronological Event Log

Multi-Party Event Timeline

Chronological sequence of synthetic network events and deterministic evaluation steps.

Recorded EventInferred State
Payment Request InitiatedSynthetic Event
01 Oct 2026, 01:45 pm
Source: UPI Client App (Synthetic)

Initiated transfer of ₹340 to Blue Tokai Coffee [SYNTHETIC]. Assigned UPI UTR 908234120911.

Type: P2M
Remitter Debit ConfirmedSynthetic Event
Source: HDFC Bank

Account debited ₹340 by HDFC Bank. Debit authorization logged.

remitterDebit: DEBITED
NPCI Switch Routing SuccessfulSynthetic Event
Source: NPCI UPI Central Switch

Central switch received debit acknowledgment and routed settlement packet to beneficiary bank.

npciSwitch: SUCCESS
Beneficiary Bank Credit ConfirmedSynthetic Event
Source: ICICI Bank

Beneficiary account credited by ICICI Bank. Settlement completed.

beneficiaryCredit: CREDITED
Merchant Order ConfirmedSynthetic Event
Source: Blue Tokai Coffee [SYNTHETIC]

Merchant counter terminal and order webhook acknowledged invoice settlement.

merchantOrder: CONFIRMED
Recovery Engine: DEFINITIVE_SUCCESSSynthetic Event
Source: Payment Status Recovery Engine

Payment Successful

Rule: RULE_01_DEFINITIVE_SUCCESS | safeToRetry: false