slug: synchrony-financial
provider: Synchrony Financial
generated_by: planning/capability-mapping/scripts/classify_capabilities.py
model: claude-opus-5
frame:
- Banking & Capital Markets
min_confidence: 0.7
capability_model:
  source: https://github.com/vincentmakes/turbo-ea-capabilities
  license: CC-BY-4.0
  attribution: Turbo EA Capabilities by Vincent Verdet — Turbo EA, https://github.com/vincentmakes/turbo-ea-capabilities,
    CC BY 4.0
  notice: NOTICE
edge_count: 8
edges:
- tag: Applications
  spec_file: synchrony-financial-applications-api-openapi.yml
  capability_id: BC-1320.10
  capability_id_l1: BC-1320
  capability_name: Credit Origination Management
  confidence: 0.95
  evidence: 'POST /v1/credit/applications submitApplication — Submit Credit Application; schemas: CreditApplication,
    ApplicationResponse'
  reason: Consumer credit application intake submitted by merchants — squarely credit origination.
- tag: Preauthorizations
  spec_file: synchrony-financial-preauthorizations-api-openapi.yml
  capability_id: BC-1340.70
  capability_id_l1: BC-1340
  capability_name: Card Transaction Processing Management
  confidence: 0.9
  evidence: POST /v1/authorizations/preauthorizations  createPreauthorization; POST /v1/authorizations/completions  createCompletion  Complete
    Preauthorization
  reason: Card authorisation and completion processing — card transaction processing.
- tag: Purchases
  spec_file: synchrony-financial-purchases-api-openapi.yml
  capability_id: BC-1340.70
  capability_id_l1: BC-1340
  capability_name: Card Transaction Processing Management
  confidence: 0.9
  evidence: POST /v1/authorizations/purchases  createPurchase  Create Purchase Authorization
  reason: Credit card purchase authorisation — card transaction authorisation processing.
- tag: Decisions
  spec_file: synchrony-financial-decisions-api-openapi.yml
  capability_id: BC-1320.20
  capability_id_l1: BC-1320
  capability_name: Credit Underwriting & Decisioning Management
  confidence: 0.85
  evidence: GET /v1/credit/applications/{applicationId} getApplicationDecision — Get Application Decision
  reason: Retrieves the underwriting decision on a submitted credit application; credit decisioning. Slight
    ambiguity between origination and decisioning sub-capability as it is a read of the decision outcome.
- tag: Refunds
  spec_file: synchrony-financial-refunds-api-openapi.yml
  capability_id: BC-1340.70
  capability_id_l1: BC-1340
  capability_name: Card Transaction Processing Management
  confidence: 0.85
  evidence: POST /v1/authorizations/refunds  createRefund  Create Refund
  reason: Card refund transaction handled within the card authorisation flow — card transaction processing.
- tag: Reversals
  spec_file: synchrony-financial-reversals-api-openapi.yml
  capability_id: BC-1340.70
  capability_id_l1: BC-1340
  capability_name: Card Transaction Processing Management
  confidence: 0.85
  evidence: POST /v1/authorizations/reversals  createReversal  Create Reversal
  reason: Reversal of a card authorisation — card transaction processing.
- tag: Payments
  spec_file: synchrony-financial-payments-api-openapi.yml
  capability_id: BC-1340.70
  capability_id_l1: BC-1340
  capability_name: Card Transaction Processing Management
  confidence: 0.8
  evidence: POST /v1/authorizations/payments  createPayment  Submit Payment; 'perform credit card transactions
    including purchases, preauthorizations, completions, payments, refunds, and reversals'
  reason: Card payment transaction submitted through the credit authorization API; card transaction processing
    (authorisation) is the closest fit.
- tag: Preapprovals
  spec_file: synchrony-financial-preapprovals-api-openapi.yml
  capability_id: BC-1320.10
  capability_id_l1: BC-1320
  capability_name: Credit Origination Management
  confidence: 0.75
  evidence: POST /v1/credit/preapproval  submitPreapproval  Submit Preapproval Request; schemas PreapprovalRequest,
    Address
  reason: Consumer credit pre-approval request intake at point of sale — credit origination/pre-screening
    rather than card transaction processing.