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Consolidate fraud heuristics into a scored rules engine #1218

Description

@RUKAYAT-CODER

Background

Fraud checks are scattered boolean heuristics that are hard to tune. Consolidate them into a single scored engine.

Files to modify (2-3)

src/hooks/useFraudDetection.ts
src/services/bundleSecurityContext.ts

Acceptance Criteria

Implemented across the listed files

Unit/integration tests added or updated and passing

No regression; follows project coding standards

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