Merchant Fraud Risk Scoring

You are given the transactions for one day, a list of merchants with their starting fraud-risk scores, and one rule row corresponding to each transaction. Compute the final fraud-risk score of every merchant.

Input representation

• transactions[i] = [customerId, merchantId, hour, amount], where hour and amount are base-10 strings.
• merchantIds[j] identifies the merchant whose initial score is baseScores[j].
• rules[i] = [minTransactionAmount, multiplicativeFactor, additiveFactor, penalty] applies to transactions[i].

Initialize each merchant's currentScore to its base score. Then perform the following three passes in order. Each pass scans the complete transaction list from left to right.

1. Amount pass: If a transaction's amount is strictly greater than its rule's minTransactionAmount, multiply that merchant's currentScore by the rule's multiplicativeFactor.
2. Repeat-customer pass: Track transactions by the pair (customerId, merchantId). When a pair reaches its third transaction, add the additiveFactor values of its first, second, and third transactions to that merchant's score. For every later transaction of the same pair, add only that transaction's additiveFactor.
3. Same-hour pass: Track transactions by (customerId, merchantId, hour). For hours from 12 through 17, inclusive, when a group reaches its third transaction, add the penalty values of its first, second, and third transactions to that merchant's score. For every later transaction in the same group, add only that transaction's penalty. In this practice version, hours outside that range do not apply a same-hour penalty.

Return the final scores in the same order as merchantIds.