{"coverage_note":"Five categories were checked for SAP Concur (concur.com): pricing discrepancies, availability/inventory issues, identity/merchant-of-record ambiguity, policy enforcement discrepancies, and undisclosed constraints. No finding in any category cleared the inclusion bar for a human-handoff trigger. Pricing searches surfaced a post-cancellation billing clause complaint but no hidden fees at the point of transaction. Availability searches found UI rate-display quirks and fare inventory fluctuations consistent with normal travel booking behavior rather than bait-and-switch practices. Identity searches found no evidence of payment-holding or liability-deflection; Concur's structural role as a B2B expense and travel management platform means it rarely acts as a payment intermediary. Policy searches returned only vendor marketing and product documentation with no verified enforcement discrepancies. Undisclosed-constraint searches found UX complaints and acknowledged roadmap gaps in the 2024 platform rollout but nothing constituting a hidden transactional limitation. All five categories were actively searched; no scans were blocked or missing.","human_handoff_required_for":[],"record_verification":{"last_checked_agentic_scan":"2026-06-28","last_checked_human_verified":null},"vendor_id":"concur","verified_discrepancies":[]}