Domain Model¶

Core Banking Object Relationships¶

flowchart

    Card
    User["User
    (AccountHolder)"]
    MajorityAccount["Majority Account"]
    LedgerAccount["Ledger Account"]
    AccountBalance
    TransactionFlow["TransactionFlow
    (AggregatedTransaction)"]
    Transaction


    User -- Has 0 or * --> MajorityAccount
    MajorityAccount -- Has 1 or * --> LedgerAccount
    LedgerAccount -- Has 0 or * --> TransactionFlow
    TransactionFlow -- Groups 1 or * --> Transaction
    LedgerAccount -- Has 0 or *--> Card
    TransactionFlow -- Used 0 or 1--> Card
    MajorityAccount -- Has 1--> AccountBalance
    AccountBalance -- Updated by 1 --> Transaction
    Transaction -- Referrs to 0 or *--> Transaction

    %% Color group definitions
    classDef user fill:#E3F2FD,stroke:#1565C0,color:#0D47A1;
    classDef wallet fill:#E8F5E9,stroke:#2E7D32,color:#1B5E20;
    classDef ledger fill:#FFF3E0,stroke:#EF6C00,color:#E65100;
    classDef txn fill:#F3E5F5,stroke:#6A1B9A,color:#4A148C;

    %% Class assignments
    class User user;
    class MajorityAccount,LedgerAccount,Card wallet;
    class AccountBalance ledger;
    class TransactionFlow,Transaction txn;

Note that many times objects have additional short hand references implemented, e.g. a Transaction has a reference to the Ledger Account and the Card.

The relationships diagram defines how the core transactional entities connect:

User → MajorityAccount: A single user can have zero or many Majority Accounts (a primary account plus optional pockets or other account types).
MajorityAccount → LedgerAccount: Each Majority Account must have at least one underlying ledger account. The Ledger Account concept was mainly relevant for the earlier used processor I2C.
LedgerAccount → TransactionFlow: A ledger account can have any number of transaction flows. A TransactionFlow (AggregatedTransaction) groups the individual transactions that a customer experiences as one action (e.g. a card purchase can consist of auth, completion, settlement, reversal but be presented as a single TransactionFlow to the user).
TransactionFlow → Transaction: Each flow contains one or more transactions. A Transaction is a single immutable ledger mutation.
Transaction (self‑relation): Transactions can reffer back to earlier Transactions in the same flow. Transactions can also relate to other transactions not part of the same TransactionFlow. A typical example is a dispute or a cashback which relates to the original transaction.
LedgerAccount → Card: A ledger account can have zero or many cards (physical, virtual, reissued). Not all ledger activity is card‑driven (e.g. ACH funding, direct deposit), so the association is optional.
TransactionFlow → Card: A flow can optionally reference the single card used.
MajorityAccount → AccountBalance: Each Majority Account has exactly one current AccountBalance snapshot row representing latest available balance state.
AccountBalance → Transaction: The balance snapshot records the Transaction that last updated it

Core Banking Objects¶

User (AccountHolder)¶

This corresponds to a customer of Majority. The User is owned by the User area.

Name	Type
UserId	guid

Majority Account¶

This is the entity that has a balance. The Majority Account is owned by the Wallet area.

Name	Type	Desc
MajorityAccountId	guid	Primary key, randomly generated
Created	DateTime	When account was created
Updated	DateTime	When account was last updated
UserId	guid	UserId that this Account belongs to
ExternalReferenceId	nvarchar(50)	....
RoutingNumber	nvarchar(9)	....
AccountNumber	nvarchar(13)	....
AccountType	....
AccountStatus	....
IsDefault	bool	A user normally have 1 default account, and 0 or more non-default accounts.
BlockedStatus	BlockedStatus(flag)
LatestAccountStatus	....
AccountLabel	nvarchar(255)?	User provided custom display label.
Prn	bigint	Payment Reference Number, used by the banks.
ClosedDate	DateTime?	If account was closed, the date and time of closure.

Ledger Account¶

The Ledger Account is owned by the Wallet area.

Name	Type	Desc
LedgerAccountId	guid	PK.
MajorityAccountId	guid	Reference to the MajorityAccountId
UserId	guid	Shorthand reference to the UserId that the MajorityAccount belongs to.
BankId	guid	FK to the Bank where this LedgerAccount exists
AccountNumber	nvarchar(50)?
Bin	nvarchar(50)?
ExternalReferenceId	nvarchar(50)?
LedgerType
ReissuedById	guid	???
Status
CurrencyCode	nchar(3)
Created	datetime2
Updated	datetime2
IsDefault	bool
RoutingNumber
BlockedStatus	BlockedStatus(flag)
LatestStatus
Prn	bigint	Payment Reference Number, used by the banks to identify this account.
ExternalLedgerAccountId
ProductId
Closed	datetime2	If account was closed, the date and time of closure.

Card¶

The Card is owned by the Wallet area. Note that the sensitive data (PAN, CVV etc) of the card is stored in CDE.CardData.

Name	Type	Desc
CardId	guid	PK. Id of Card
LedgerAccountId	guid	FK to the Ledger Account
CardStatus	CardStatus	Status of card
BlockedStatus	BlockedStatus	Blocks of the card.
IsDefaultCard	bool	Is this the default card?
IsPhysicalCard	bool	Is this card a physical card (and not virtual card)

Account Balance¶

The actual balance of an account. See Account Balance for details of the various balances an account has.

The Account Balance is owned by the Ledger area.

Name	Type	Desc
MajorityAccountId	guid	PK. The account that has this balance.
AvailableBalance	money	Available balance to spend.
ReservedAmount	money	How much balance that are reserved. Posted balance = available balance + reserved amount.
TransactionId	varchar(50)	TransactionId of transaction that modified the balance to its current value.
BalanceTime	datetime2	The date and time the balance were last updated.

TransactionFlow¶

Also called AggregatedTransaction internally. The TransactionFlow groups a number of transactions that all belong to the same business transaction.

From a users point of view this is a transaction. This is what is shown in the transaction list in the App (and also often what is shown in Looker, i.e count of PosPurchases made a in a day). It is important to not confuse this with the actual Transaction below.

Name	Type	Desc
TransactionFlowId	guid	PK.
TransactionId	guid	Reference to the initial transaction for this flow.
LatestTransactionId	guid	Reference to the last transaction in this flow.
LedgerAccountId	guid	Reference to the Ledger Account
OwnerResourceId	guid
Status	TransactionStatus	The status of the flow, which is the status of latest transaction in this flow.
SubStatus	TransactionSubStatus	The sub status of the flow, which is the substatus of the latest transaction in this flow.
Type	TransactionType	The type of flow. Which is the type of latest transaction in this flow.
SubType	TransactionSubType	The subtype of the flow, which is the subtype of the latest transaction in this flow.
Disputed	bool?	A flow can be disputed by the user.
Timestamp	datetime2	Timestamp of the first transaction in this flow.
LatestTimestamp	datetime2	Timestamp of the latest transaction in this flow.

Transaction¶

A Transaction. 1 or more transactions make up one TransactionFlow. Each step in the lifetime of a TransactionFlow is separate transactions, i.e Auth, Completion, Settle.

This is what is shown in the Hydra transaction list.

Name	Type	Desc
TransactionId	guid	PK.
ExternalTransactionId	nvarchar(250)
CardId	guid?
Amount	money
Currency	nvarchar(3)?!
Timestamp	datetime2	The time of the transaction.
Type	TransactionType	The type of transaction
SubType	TransactionSubType	The subtype of the transaction
Status	TransactionStatus	The status
SubStatus	TransactionSubStatus	Substatus. Used internally in Transactions.
OriginalTransactionId	guid?	Optional reference to an earlier transaction in the same flow.
TransactionFlowId	guid	Reference to the Transaction Flow that this transaction belongs to.
TransactionStepType	TransactionStepType	What "step" this transaction is in.

Enums¶

AccountType Type of account, i.e. CheckingPrimary, CheckingPocket or CreditSecured.
TransactionType Type of transaction, i.e. PosPurchase, CheckDeposit or AdminDebit.
TransactionSubType Subtype of transaction, i.e MerchantCredit, MajorityPaySender, or AccountBalanceRefund.
TransactionStepType Step that this transaction represents, i.e Auth, Reversal, Completion or Settlement.
TransactionStatus Status of transaction, i.e Approved, Declined or Cancelled
TransactionSubStatus Substatus, i.e UserCancelled, RequestDeclined or SystemError.
BlockedStatus Note that this is a flag enum, that can store multiple blocks. Examples BlockedByUser, BlockedByAdmin and LostOrStolen.