SaFi Bank Space : Transactions

Scope

Payments incl. internal, domestic, foreign
Covering recurring payments, money requests, direct debits and mandates, payment templates
Transaction history covering accounts and cards

Overview

Service decomposition and external dependencies

Transaction Processing

Component	Description
Mobile App	Customer facing mobile banking app.
Backoffice Web App	Backoffice web application used by bank’s employees.
Transaction Processing Manager	Service responsible for the orchestration of transaction processing activities. Receives payment orders from frontend apps and also receives requests to process scheduled transactions from Scheduled Transaction Manager.
Scheduled Transaction Manager	Service responsible for triggering scheduled transactions to be processed by Transaction Processing Manager.
Product Manager	Transaction Processing Manager delegates evaluation of business rules related to the customer’s subscriptions to the Product Manager.
Payment Routing Engine	Business rules ensuring proper routing of individual transactions to the respective payment gateways integrated with payment different processors.
Transaction Validation Engine	Business rules ensuring proper validation of transactions before processing. These includes validation, authorization, fraud detection, etc.
TM Vault Access	Client library responsible for technical aspects of communication with TM Vault.
Paynamics GW	Gateway service enabling to integrate with payment processor Paynamics.
PESOnet GW	Gateway service enabling to integrate with payment processor PESOnet.
Instapay GW	Gateway service enabling to integrate with payment processor Instapay.
Transaction Processing Events	Transaction Processing Manager emits events during the transaction processing.
TM Vault	Core banking system.
PESOnet	External payment processing service.
Instapay	External payment processing service.
Paynamics	External payment processing service.
Fraud Prevention Manager (Slacker)	Responsible for all business rules, logic and data processing in the area of fraud prevention.
Audit Log Events	Account Manager publishes audit relevant events to be stored by Audit Log.
Fraud Prevention Manager (Slacker)	Slacker evaluates risk of fraud according to the provided data. Based on the resulting risk score the Customer Managed will trigger step-up authentication, approve or reject the operation.
Transaction Access	Client library responsible for technical aspects of communication with the Transactions data store.
Transactions	Data store dedicated to the persistence of transaction data.
Merchant Manager	Query merchant parameters necessary for processing of top-ups, withdrawals and other transactions.
Fee Manager	Responsible for transaction fee calculation.

Scheduled Transactions

Component	Description
Mobile App	Customer facing mobile banking app.
Backoffice Web App	Backoffice web application used by bank’s employees.
Transaction Processing Manager	See section Transaction Processing
Scheduled Transaction Manager	Service responsible for management of scheduled transactions. It provides API for frontend apps enabling customers to manage scheduled transactions and also covers triggering these transactions for further processing by Transaction Processing Manager. Recurring saving account transactions from main account to the saving account are managed by Scheduled Transaction Manager.
Scheduled Transactions Engine	Business rules and logic necessary for management and processing of scheduled transactions.
Scheduled Transactions Access	Client library responsible for technical aspects of communication with the Scheduled Transactions data store.
Scheduled Transactions	Data store dedicated to the persistence of scheduled transactions.
Scheduler	Service responsible for scheduling of processing of regular activities.
Access Manager	Service representing IAM domain providing authentication and authorization capabilities.

Transaction History

Component	Description
Mobile App	Customer facing mobile banking app.
Backoffice Web App	Backoffice web application used by bank’s employees.
Transaction History Manager	Responsible for creating and providing of historical transaction data for different purposes such as inquiries from frontend apps, statement generation, etc.
Transaction Access	Client library responsible for technical aspects of communication with the Transactions data store.
Transactions	Data store dedicated to the persistence of historical transaction data.
Txn Processing Events	Events published by Transaction Processing Manager are used to populate transaction history database.
Card Txn Processing Events	Events published by Card Transaction Processing Manager are used to populate transaction history database.
Account Txn Events	Events published by Account Manager are used to populate transaction history database. These contains transactions such as fees, interest rates, etc. which are transactions not processed by Transaction Processing Manager.

Transaction Fees

Component	Description
Mobile App	Customer facing mobile banking app.
Fee Manager	Responsible for calculation of transaction fees.
Product Manager	Responsible for management of customer’s subscription parameters and transaction counters.

Merchant Management

Component	Description
Backoffice Web App	Backoffice web application used by bank’s employees.
Merchant Manager	Responsible for management of the merchant’s parameters and configurations necessary for transaction processing.
Merchant Access	Client library enabling integration with Merchants data store.
Merchants	Data store dedicated to the persistence of Merchants data.

Open Points

Open Point	Result
Transaction validations - service vs TM Vault’s smart contracts logic	See TM Vault page for details. Smart contracts for accounts are in the responsibility of the Accounts domain.
Will Scheduled Transaction Manager persist Atome upcoming instalments to be shown in the mobile app?	No such requirement at present
Transaction screening and monitoring solution - integration and process impacts	???
Transaction history requirements - what attributes do we need from TM Vault’s postings?	See TM Vault page for details regarding posting vs transaction history.

SaFi Bank Space : Transactions

Scope

Overview

Transaction Processing

Scheduled Transactions

Transaction History

Transaction Fees

Merchant Management

Open Points

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