{
  "id": "template_bch_tarjeta_001",
  "name": "Autorizacion Tarjeta Credito",
  "companyName": "BancoDeChile-TarjetaCredito",
  "domain": "https://www.bancochile.cl",
  "requirements": "Financial Services - Autorizacion Tarjeta de Credito",
  "csuitePrompt": "",
  "journeyPrompt": "",
  "originalConfig": {
    "companyName": "BancoDeChile-TarjetaCredito",
    "domain": "https://www.bancochile.cl",
    "industryType": "Financial Services",
    "journeyType": "Autorizacion Tarjeta",
    "journeyDetail": "Autorizacion Tarjeta",
    "journeyId": "journey_bch_tarjeta_2026",
    "journeyStartTime": "2026-06-16T00:00:00.000Z",
    "steps": [
      {
        "stepIndex": 1,
        "stepName": "CapturaTransaccion",
        "serviceName": "CapturaTransaccionPOSService",
        "description": "Terminal POS captura datos de la tarjeta (chip/contactless/banda) y envia la transaccion al switch transaccional del banco",
        "category": "Captura",
        "timestamp": "2026-06-16T00:00:00.000Z",
        "estimatedDuration": 1,
        "businessRationale": "La captura debe ser menor a 500ms. Cada segundo adicional el cliente percibe lentitud.",
        "substeps": [
          {"substepName": "LecturaChipContactless", "duration": 0.5},
          {"substepName": "EnvioAlSwitchTransaccional", "duration": 0.5}
        ]
      },
      {
        "stepIndex": 2,
        "stepName": "ValidacionTarjeta",
        "serviceName": "ValidacionTarjetaService",
        "description": "Validacion de la tarjeta: numero valido (Luhn), fecha vigente, tarjeta no bloqueada, limite de credito disponible",
        "category": "Validacion",
        "estimatedDuration": 1,
        "businessRationale": "Tarjeta bloqueada o vencida debe rechazarse en menos de 1 segundo.",
        "substeps": [
          {"substepName": "ValidacionNumeroLuhn", "duration": 0.3},
          {"substepName": "VerificacionVigenciaEstado", "duration": 0.4},
          {"substepName": "ConsultaCupoDisponible", "duration": 0.3}
        ]
      },
      {
        "stepIndex": 3,
        "stepName": "VerificacionFraude",
        "serviceName": "VerificacionFraudeService",
        "description": "Motor antifraude evalua la transaccion en tiempo real: ubicacion geografica, patron de consumo, monto vs historico, comercio de riesgo",
        "category": "Antifraude",
        "estimatedDuration": 2,
        "businessRationale": "El motor antifraude debe responder en menos de 2 segundos. Falso positivo bloquea al cliente.",
        "substeps": [
          {"substepName": "EvaluacionUbicacionPatron", "duration": 1},
          {"substepName": "ScoringModelo", "duration": 0.5},
          {"substepName": "DecisionAutorizarBloquear", "duration": 0.5}
        ]
      },
      {
        "stepIndex": 4,
        "stepName": "AutorizacionEmisora",
        "serviceName": "AutorizacionEmisoraService",
        "description": "Solicitud de autorizacion a la red emisora Visa/Mastercard via mensaje ISO 8583",
        "category": "Autorizacion",
        "estimatedDuration": 2,
        "businessRationale": "La red Visa/Mastercard tiene SLA de 3 segundos. Si el switch tarda mas, la transaccion se rechaza por timeout.",
        "substeps": [
          {"substepName": "EnvioMensajeISO8583", "duration": 0.5},
          {"substepName": "ProcesamientoRed", "duration": 1},
          {"substepName": "RespuestaAutorizacion", "duration": 0.5}
        ]
      },
      {
        "stepIndex": 5,
        "stepName": "ProcesamientoPago",
        "serviceName": "ProcesamientoPagoService",
        "description": "Registro de la transaccion autorizada: cargo al cupo, registro contable, calculo de comision interchange, actualizacion saldo",
        "category": "Procesamiento",
        "estimatedDuration": 1,
        "businessRationale": "El cargo debe reflejarse inmediatamente en la app del cliente.",
        "substeps": [
          {"substepName": "CargoCupoTarjeta", "duration": 0.3},
          {"substepName": "RegistroContable", "duration": 0.4},
          {"substepName": "ActualizacionSaldoApp", "duration": 0.3}
        ]
      },
      {
        "stepIndex": 6,
        "stepName": "NotificacionCliente",
        "serviceName": "NotificacionClienteService",
        "description": "Envio de notificacion push a la app, SMS y email con detalle de la transaccion",
        "category": "Notificacion",
        "estimatedDuration": 1,
        "businessRationale": "Notificacion inmediata es requisito CMF. Demora mayor a 30 segundos genera llamada al call center.",
        "substeps": [
          {"substepName": "NotificacionPushApp", "duration": 0.3},
          {"substepName": "EnvioSMS", "duration": 0.4},
          {"substepName": "EnvioEmail", "duration": 0.3}
        ]
      }
    ],
    "id": "bch-tarjeta-001",
    "name": "Banco de Chile - Autorizacion Tarjeta de Credito",
    "timestamp": "2026-06-16T00:00:00.000Z",
    "source": "custom",
    "additionalFields": {
      "orderTotal": 85000,
      "transactionValue": 85000,
      "averageOrderValue": 85000,
      "contractValue": 0,
      "annualRevenue": 12000000,
      "revenuePerCustomer": 12000000,
      "profitMargin": 1.5,
      "customerLifetimeValue": 12000000,
      "lifetimeValue": 12000000,
      "acquisitionCost": 50000,
      "conversionProbability": 0.97,
      "conversionRate": 97,
      "engagementScore": 88,
      "timeToConversion": 8,
      "netPromoterScore": 55,
      "satisfactionRating": 4.3,
      "retentionProbability": 0.92,
      "processingTime": 8,
      "operationalCost": 15,
      "efficiencyRating": 95,
      "complianceScore": 99,
      "channel": ["POS Chip", "Contactless", "E-commerce", "In-App", "Recurrente"],
      "deviceType": ["POS", "POS NFC", "Desktop", "Mobile", "Server"],
      "region": ["Santiago Centro", "Las Condes", "Providencia", "Vitacura", "La Florida"],
      "customerSegmentValue": ["Premium", "Gold", "Signature", "Black", "Classic"],
      "segment": ["Compra presencial", "Compra contactless", "Compra online", "Suscripcion", "Pago automatico"],
      "Productname": ["Visa Platinum", "Mastercard Gold", "Visa Signature", "Mastercard Black", "Visa Classic"],
      "ProductId": ["TC-VP-001", "TC-MG-002", "TC-VS-003", "TC-MB-004", "TC-VC-005"],
      "ProductType": ["credito", "credito", "credito", "credito", "credito"],
      "Price": [25000, 85000, 150000, 350000, 12000],
      "marketTrend": ["contactless", "tokenizacion", "biometria", "open_banking", "bnpl"]
    }
  },
  "createdAt": "2026-06-16T00:00:00.000Z",
  "isPreloaded": false
}