{
  "generatedFrom": "Payments Signal canonical architecture registry",
  "notice": "SYNTHETIC / TRAINING ONLY",
  "blueprintId": "architecture-card-payments",
  "versionLabel": "Payments Signal reference architecture v1",
  "reviewDate": "2026-07-23",
  "traces": [
    {
      "id": "card-purchase-settlement",
      "label": "Purchase to merchant funding",
      "summary": "Follow one card purchase through authorisation, presentment, settlement, and merchant funding.",
      "viewId": "component",
      "steps": [
        {
          "id": "card-purchase-settlement-step-1",
          "title": "Capture the payment",
          "nodeId": "card-holder-channel",
          "interfaceId": "card-e1",
          "plainExplanation": "The channel protects the credential and binds it to amount and merchant.",
          "businessState": "Customer intent captured"
        },
        {
          "id": "card-purchase-settlement-step-2",
          "title": "Create one attempt",
          "nodeId": "card-merchant",
          "interfaceId": "card-e2",
          "plainExplanation": "The merchant records one stable payment attempt.",
          "businessState": "Order awaiting authorisation"
        },
        {
          "id": "card-purchase-settlement-step-3",
          "title": "Route through the acquirer",
          "nodeId": "card-acquirer",
          "interfaceId": "card-e3",
          "plainExplanation": "The acquirer validates the merchant and selects the network route.",
          "businessState": "Authorisation routed"
        },
        {
          "id": "card-purchase-settlement-step-4",
          "title": "Reach the issuer",
          "nodeId": "card-network",
          "interfaceId": "card-e4",
          "plainExplanation": "The network carries the request and correlation references.",
          "businessState": "Issuer decision requested"
        },
        {
          "id": "card-purchase-settlement-step-5",
          "title": "Approve and hold",
          "nodeId": "card-issuer",
          "interfaceId": "card-e5",
          "plainExplanation": "The issuer approves and places a hold; this is not final settlement.",
          "businessState": "Approved, not settled",
          "ledgerEffect": "Available funds reduced by an authorisation hold."
        },
        {
          "id": "card-purchase-settlement-step-6",
          "title": "Clear and settle",
          "nodeId": "card-clearing",
          "interfaceId": "card-e8",
          "plainExplanation": "The captured purchase enters clearing and participant positions settle.",
          "businessState": "Presentment settled"
        },
        {
          "id": "card-purchase-settlement-step-7",
          "title": "Fund and reconcile",
          "nodeId": "card-ledgers",
          "plainExplanation": "Issuer, acquirer, scheme, and merchant books are reconciled.",
          "businessState": "Merchant funding recorded"
        }
      ],
      "evidence": [
        {
          "ref": {
            "sourceId": "payments-signal-editorial",
            "locator": "Card issuing, acquiring, clearing, settlement, and disputes",
            "label": "simplified-educational-illustration",
            "simplifications": "Card scheme rules, processor contracts, regional regulation, product settings, and merchant arrangements vary. The topology teaches responsibility boundaries and does not reproduce a scheme rulebook."
          },
          "verifiedDate": "2026-07-23",
          "versionContext": "Payments Signal reference architecture v1"
        },
        {
          "ref": {
            "sourceId": "bis-cpmi-pfmi",
            "locator": "Principles 8 and 24",
            "label": "official-requirement"
          },
          "verifiedDate": "2026-07-23",
          "versionContext": "CPMI-IOSCO Principles for financial market infrastructures"
        }
      ]
    }
  ],
  "stressCases": [
    {
      "id": "card-stress-timeout",
      "label": "Authorisation times out",
      "trigger": "The acquirer receives no final issuer response.",
      "divergesAfterStepId": "card-purchase-settlement-step-4",
      "traceId": "card-purchase-settlement",
      "affectedNodeIds": [
        "card-acquirer",
        "card-network",
        "card-issuer"
      ],
      "affectedInterfaceIds": [
        "card-e3",
        "card-e4"
      ],
      "lastConfirmedState": "The request was routed; approval state is uncertain.",
      "settlementState": "No clearing or settlement has occurred.",
      "fundsState": "An issuer hold may or may not exist.",
      "owner": "Acquirer payment operations",
      "safeAction": "Return an uncertain outcome and query or reverse under network rules; do not create a fresh customer charge blindly.",
      "requiredEvidence": [
        "Merchant reference",
        "Network reference",
        "Issuer response or reversal evidence"
      ],
      "recoverySteps": [
        "Resolve the original attempt",
        "Release any orphan hold",
        "Reconcile late responses"
      ],
      "evidence": [
        {
          "ref": {
            "sourceId": "payments-signal-editorial",
            "locator": "Card issuing, acquiring, clearing, settlement, and disputes",
            "label": "simplified-educational-illustration",
            "simplifications": "Card scheme rules, processor contracts, regional regulation, product settings, and merchant arrangements vary. The topology teaches responsibility boundaries and does not reproduce a scheme rulebook."
          },
          "verifiedDate": "2026-07-23",
          "versionContext": "Payments Signal reference architecture v1"
        }
      ]
    },
    {
      "id": "card-stress-late-presentment",
      "label": "Late or mismatched presentment",
      "trigger": "Clearing arrives after the permitted window or for a different amount.",
      "divergesAfterStepId": "card-purchase-settlement-step-6",
      "traceId": "card-purchase-settlement",
      "affectedNodeIds": [
        "card-clearing",
        "card-issuer",
        "card-ledgers"
      ],
      "affectedInterfaceIds": [
        "card-e6",
        "card-e8"
      ],
      "lastConfirmedState": "Authorisation existed; clearing does not match it cleanly.",
      "settlementState": "Settlement depends on scheme treatment.",
      "fundsState": "The hold and booked transaction may differ.",
      "owner": "Issuer clearing operations",
      "safeAction": "Apply the current scheme rule; do not force-match unlike records.",
      "requiredEvidence": [
        "Authorisation",
        "Presentment",
        "Reason and timing data"
      ],
      "recoverySteps": [
        "Classify unmatched presentment",
        "Post under approved product rules",
        "Release or adjust the original hold"
      ],
      "evidence": [
        {
          "ref": {
            "sourceId": "payments-signal-editorial",
            "locator": "Card issuing, acquiring, clearing, settlement, and disputes",
            "label": "simplified-educational-illustration",
            "simplifications": "Card scheme rules, processor contracts, regional regulation, product settings, and merchant arrangements vary. The topology teaches responsibility boundaries and does not reproduce a scheme rulebook."
          },
          "verifiedDate": "2026-07-23",
          "versionContext": "Payments Signal reference architecture v1"
        }
      ]
    },
    {
      "id": "card-stress-chargeback",
      "label": "Chargeback evidence is incomplete",
      "trigger": "A dispute deadline approaches without required evidence.",
      "divergesAfterStepId": "card-purchase-settlement-step-7",
      "traceId": "card-purchase-settlement",
      "affectedNodeIds": [
        "card-disputes",
        "card-network",
        "card-ledgers"
      ],
      "affectedInterfaceIds": [
        "card-e9",
        "card-e10"
      ],
      "lastConfirmedState": "The original transaction settled.",
      "settlementState": "Settlement is not undone merely by opening a dispute.",
      "fundsState": "Any provisional credit must remain linked to the case.",
      "owner": "Dispute operations",
      "safeAction": "Escalate the case and make only rule-supported provisional or final adjustments.",
      "requiredEvidence": [
        "Reason code",
        "Eligibility date",
        "Customer claim",
        "Merchant evidence"
      ],
      "recoverySteps": [
        "Complete or withdraw the case",
        "Post the supported adjustment",
        "Reconcile scheme and customer books"
      ],
      "evidence": [
        {
          "ref": {
            "sourceId": "payments-signal-editorial",
            "locator": "Card issuing, acquiring, clearing, settlement, and disputes",
            "label": "simplified-educational-illustration",
            "simplifications": "Card scheme rules, processor contracts, regional regulation, product settings, and merchant arrangements vary. The topology teaches responsibility boundaries and does not reproduce a scheme rulebook."
          },
          "verifiedDate": "2026-07-23",
          "versionContext": "Payments Signal reference architecture v1"
        }
      ]
    }
  ]
}