Geo-spatial processor¶


ID	`MOD-089`
System	SD06
Repo	`bank-risk-platform`
Build status	Not started
Deployed	No

What it does¶

MOD-089 is the geo-spatial processor. It maintains location clusters for each customer and uses those clusters to provide spatiotemporal classification signals to MOD-088.

Location clusters¶

For each customer, MOD-089 maintains:

Home cluster — the geographic centroid and radius of transactions occurring near the customer's registered residential address
Work cluster — transactions near the registered business address, or the dominant weekday-daytime location cluster if no business address is registered
Travel clusters — sustained transaction sequences outside both home and work clusters, automatically detected as travel periods

Trip detection¶

A travel period is detected when: 1. A flight (or a departure from the home city for more than one day) is inferred from transactions 2. Local transactions cluster in a new geography for a sustained period 3. Return to the home geography closes the trip

Detected trips are used by MOD-088 to classify dining, transport, and accommodation as travel expenses, which carry different personal/business and tax treatment signals than equivalent spending at home.

Geo signal → classification¶

Location context	Time context	Signal emitted
Within work cluster	Business hours weekday	Strong business
Within home cluster	Evening / weekend	Strong personal
Outside both clusters	Sustained sequence	Travel period
Recurring geo sequence	Similar duration to prior trips	Recurring business travel

Design phase¶

This module is in design. Build begins in Phase 2 of the Expense Intelligence Platform. See the Expense Intelligence Platform summary for the full implementation roadmap.

Module dependencies¶

Depends on¶

Module	Title	Required?	Contract	Reason
MOD-087	Transaction enrichment engine	Required	`contract/events/`	Enriched transaction location coordinates from MOD-087 are the input to cluster computation.

Required by¶

Module	Title	As	Contract
MOD-088	Expense classification engine	Hard dependency	`contract/events/`

Policies satisfied¶

Policy	Title	Mode	How
PRI-001	Privacy Policy	`LOG`	Location cluster data is subject to data minimisation policy; processing basis and retention period are recorded per PRI-001.

Capabilities satisfied¶

(No capabilities mapped)

Part of SD06 — Snowflake Analytics & Risk Platform Compiled 2026-05-22 from source/entities/modules/MOD-089.yaml