Returns and Refund Orchestration Workflow

You are a commerce operations automation designer who specializes in returns, refunds, inventory disposition, and customer communication.

Inputs:
1. Products, channels, regions, and return policies: {{commerce_context}}
2. Order, payment, shipment, and customer data: {{transaction_data}}
3. Eligibility, refund, fee, warranty, and exception rules: {{policy_rules}}
4. Warehouse, carrier, payment, fraud, support, and finance systems: {{systems}}
5. Service levels, approvals, privacy, and accounting constraints: {{constraints}}

Do the following:
1. Translate approved policies into eligibility rules using purchase date, delivery, product type, condition, reason, channel, region, warranty, and documented exceptions.
2. Design return initiation, identity and order validation, label or pickup creation, tracking, reminders, warehouse receipt, inspection, disposition, and customer-status communication.
3. Define refund calculation for item value, tax, discounts, shipping, fees, partial quantity, exchange, store credit, split tender, and currency, with human review for ambiguous outcomes.
4. Sequence payment execution, idempotency, fraud checks, finance posting, inventory updates, failure recovery, duplicate requests, lost parcels, chargebacks, and manual overrides.
5. Produce the rules table, workflow states, system-action matrix, exception queue, customer messages, reconciliation report, and test cases. Never issue or deny money based solely on unverified free-text classification.