{ "generatedFrom": "Payments Signal canonical architecture registry", "notice": "SYNTHETIC / TRAINING ONLY", "blueprintId": "architecture-batch-ach-direct-debit", "versionLabel": "Payments Signal reference architecture v1", "reviewDate": "2026-07-23", "traces": [ { "id": "batch-credit-trace", "label": "One payroll file through clearing and settlement", "summary": "Follow a pain.001 file from corporate approval through file validation, scheduling, clearing, net settlement, beneficiary posting, and multi-level reconciliation.", "viewId": "component", "steps": [ { "id": "batch-credit-trace-step-1", "title": "Corporate approves the payroll file", "nodeId": "batch-originator", "plainExplanation": "The originator supplies file, group, and transaction identifiers plus count and value totals.", "businessState": "File authorised", "messageIds": [ "pain-001" ] }, { "id": "batch-credit-trace-step-2", "title": "Bank accepts the immutable batch", "nodeId": "batch-ingestion", "interfaceId": "batch-e1", "plainExplanation": "Authentication, integrity, duplicate, schema/profile, count, and value checks pass.", "businessState": "File accepted", "controlEvidence": "File checksum, control totals, duplicate key" }, { "id": "batch-credit-trace-step-3", "title": "Items enter the permitted cycle", "nodeId": "batch-scheduler", "interfaceId": "batch-e3", "plainExplanation": "The current calendar, cut-off, and requested value date select the release window.", "businessState": "Scheduled" }, { "id": "batch-credit-trace-step-4", "title": "Clearing accepts eligible items", "nodeId": "batch-clearing", "interfaceId": "batch-e5", "plainExplanation": "File and item outcomes are returned without losing original identifiers.", "businessState": "Cleared", "messageIds": [ "pacs-008", "pacs-002" ] }, { "id": "batch-credit-trace-step-5", "title": "Net obligations settle", "nodeId": "batch-settlement", "interfaceId": "batch-e6", "plainExplanation": "The designated settlement ledger posts balanced participant obligations.", "businessState": "Cycle settled", "ledgerEffect": "Net participant debits and credits" }, { "id": "batch-credit-trace-step-6", "title": "Beneficiary items post", "nodeId": "batch-receiver", "interfaceId": "batch-e7", "plainExplanation": "Receiving institutions post accepted items once under their scheme and account controls.", "businessState": "Customer items posted" }, { "id": "batch-credit-trace-step-7", "title": "Every level reconciles", "nodeId": "batch-reconciliation", "interfaceId": "batch-e9", "plainExplanation": "File, group, transaction, clearing, settlement, customer, and return totals agree.", "businessState": "Batch closed" } ], "evidence": [ { "ref": { "sourceId": "iso20022-catalogue", "locator": "pain.001, pacs.008, pacs.002 and reporting messages", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "ISO 20022 message catalogue" }, { "ref": { "sourceId": "bis-cpmi-pfmi", "locator": "Principles 8, 17 and 23", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI-IOSCO Principles for financial market infrastructures" } ] } ], "stressCases": [ { "id": "batch-stress-file", "label": "Duplicate file with changed filename", "trigger": "The same business batch is uploaded again under a different transport filename.", "divergesAfterStepId": "batch-credit-trace-step-1", "traceId": "batch-credit-trace", "affectedNodeIds": [ "batch-originator", "batch-ingestion", "batch-reconciliation" ], "affectedInterfaceIds": [ "batch-e1", "batch-e10" ], "lastConfirmedState": "Original batch identity must be established before accepting the new upload.", "settlementState": "Depends on the original batch; the duplicate itself has no separate settlement authority.", "fundsState": "Do not create a second set of customer or settlement postings.", "owner": "Corporate channel and batch operations", "safeAction": "Compare business identifiers, control totals, and content checksum; reject or hold the duplicate under the channel contract.", "requiredEvidence": [ "File and group identifiers", "Content checksum", "Counts and value", "Original status" ], "recoverySteps": [ "Establish original outcome", "Return duplicate status", "Submit a corrected batch only under the documented correction process" ], "evidence": [ { "ref": { "sourceId": "payments-signal-editorial", "locator": "Duplicate-file control", "label": "simplified-educational-illustration", "simplifications": "Duplicate keys and correction conventions depend on channel and scheme." }, "verifiedDate": "2026-07-23", "versionContext": "Payments Signal reference architecture v1" } ] }, { "id": "batch-stress-funding", "label": "Participant cannot fund net obligation", "trigger": "The clearing cycle calculates a debit obligation the participant cannot settle.", "divergesAfterStepId": "batch-credit-trace-step-4", "traceId": "batch-credit-trace", "affectedNodeIds": [ "batch-clearing", "batch-settlement", "batch-reconciliation" ], "affectedInterfaceIds": [ "batch-e6", "batch-e8" ], "lastConfirmedState": "Items cleared; cycle settlement not final.", "settlementState": "Not settled until the default or liquidity process completes.", "fundsState": "Customer availability must follow the scheme's provisional/final treatment and participant policy.", "owner": "Clearing operator, settlement institution, and participant treasury", "safeAction": "Apply the documented funding, default, or unwind process; do not edit obligations manually.", "requiredEvidence": [ "Accepted cycle inputs", "Net obligation", "Funding position", "Default-rule decision" ], "recoverySteps": [ "Fund or apply default process", "Recalculate if the rules require", "Distribute final outcomes and reconcile" ], "evidence": [ { "ref": { "sourceId": "bis-cpmi-pfmi", "locator": "Principles 4, 7, 8 and 13", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI-IOSCO Principles for financial market infrastructures" } ] }, { "id": "batch-stress-return", "label": "Return cannot match the original item", "trigger": "A receiving participant sends a return with missing or inconsistent original references.", "divergesAfterStepId": "batch-credit-trace-step-6", "traceId": "batch-credit-trace", "affectedNodeIds": [ "batch-receiver", "batch-reconciliation" ], "affectedInterfaceIds": [ "batch-e9" ], "lastConfirmedState": "Original item settled and posted or rejected; return identity is uncertain.", "settlementState": "Original cycle settlement remains final; return is a new linked transaction when valid.", "fundsState": "No customer recredit or debit occurs until the return is matched and authorised.", "owner": "Payment reconciliation and exceptions operations", "safeAction": "Hold the return in an exception queue and match by permitted original references and value evidence.", "requiredEvidence": [ "Original transaction identifiers", "Amount and currency", "Return reason", "Participant and settlement references" ], "recoverySteps": [ "Resolve the match", "Post the return once", "Escalate or reject an unresolvable return under scheme rules" ], "evidence": [ { "ref": { "sourceId": "iso20022-catalogue", "locator": "pacs.004 original-transaction references", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "ISO 20022 message catalogue" } ] } ] }