Terminology

The following table contains Simple Credit Line Management System(SCLMS) related terminologies used in the article:

Terms	Descriptions
Credit Limit	The credit facility extended to the account of a user. For example, if an account has been assigned a credit limit of INR 10,000, the account can spend up to INR 10,000 over and above the PPI account balance.
Credit Limit Balance	The unused credit limit that the account has. For example, if the account has a limit of INR 10,000 and INR 2,000 is utilized, the credit limit balance will be INR 8,000.
Audit Logs	Record of the usage of credit limit maintained for reporting purposes.
Account States	Active - credit limit for account is active. Inactive - credit limit for account has been deactivated, reversible state. Disabled - credit limit for account has been deactivated, non-reversible state.

Simple Credit Limit Management System

Simple Credit Limit Management System(SCLMS) is a Fusion Offering that helps fintechs assign a credit limit to the account of a user. SCLMS facilitates Just in time funding to the account of the user.

For example, User A has been assigned a credit limit of INR 10,000. His balance in the account is INR 2,000. Now he/she wishes to transact for INR 8,000. The transaction amount (INR 8,000) - Balance of account (INR 2,000) i.e the difference (INR 6,000) would be transferred Just in Time to the account of the user. Given the balance of the account is now equal to the transaction amount, the transaction will be successful. JIT Funding is implemented with the help of Interceptors.

Along with the assignment of the credit limit, the SCLMS also supports increasing and decreasing the credit limit balance.

For example, User A has been assigned a credit limit of INR 10,000 for a month. At the start of the month, both his credit limit and the credit limit balance are INR 10,000. During the month he consumes INR 9,000 of his credit limit. Now the credit limit is INR 10,000 however the credit limit balance is INR 1,000. After the month ends, he repays INR 9,000 and the additional interest that he owes to the fintech. The fintech then restores his credit limit balance to INR 10,000.

Credit line extended for INR 10,000

User makes a transaction of INR 1000

User pays back the credit line consumed

Credit Limit = INR 10,000

Credit Limit Balance = INR 10,000

Credit Limit = INR 10,000
Credit Limit Balance = INR 9,000

Credit Limit = INR 10,000

Credit Limit Balance = INR 10,000

Use case

Let’s look at a use case of implementing a credit limit given to users by a Fintech.

1. Assign Credit Limit to Account

The Fintech uses Assign Credit Limit to Account API to assign limits to accounts based on their logic. Assume User A has INR 10,000.

Endpoint URI

POST	/api/v1/ifi/{ifiID}/credits/account

Input parameters

ifiID: Required. Unique identifier of the IFI.
accountID: Required. Unique identifier of the account.
creditLimit: Required. The limit of credit facility extended to the account of an Account.

Example

In the following example, we set up a credit account for an Account.

Request

Response

cURL sample

curl --location --request POST 'https://credit-limit-management.preprod.zeta.in/api/v1/ifi/{{ifiID}}/credits/account' \
--header 'Content-Type: application/json' \
--header 'Authorization: {{token}}' \
--header 'Cookie: {{cookie}}' \
--data-raw '{
    "accountId": {{accountID}},
    "attrs": {
    "additionalProp1": {{additionalProp1}}
  },
    "creditLimit": "10000",
    "status": "ACTIVE"
}'

JSON sample

{
    "createdDate": "2020-10-23T07:52:51.206+0000",
    "lastModifiedDate": "2020-10-23T07:52:51.206+0000",
    "accountId": "d0baa244-d7f7-422e-a113-6e23941fdfeb",
    "creditLimit": 10000,
    "creditBalance": 10000,
    "status": "ACTIVE",
    "accountAttrs": {
        "additionalProp1": "Test"
    },
    "tenant": {
        "createdDate": "2020-10-08T09:01:52.366+0000",
        "lastModifiedDate": "2020-10-08T09:33:19.991+0000",
        "id": 100050,
        "tenantId": 140793,
        "tenantName": "ABGTest",
        "vboId": "910c0eb1-3972-49bd-aaf9-c21ebbc0c026",
        "sandboxId": 748,
        "policyConfig": {},
        "tenantConfig": {},
        "webHookConfig": {}
    }
}

2. Just in time Funding

User A has a balance of INR 2,000 in the account and a credit limit of INR 10,000. He attempts to do a transaction of INR 8,000. CLMS orchestrates Just in time funding from the VBO Funding account to the user account of INR 6,000 (transaction value - the balance of account). The transaction is successful. Credit limit balance changes to INR 4,000. This step is orchestrated by SCLMS using Interceptors APIs and A2A transfer APIs.

3. Credit Limit Balance usage

User A has used INR 9,000 of his credit limit balance during the time period allowed to him or her . His current credit limit balance is INR 1,000.

4. Increase Credit Limit Balance

At the end of the time period allowed to account holder, Fintech Increases the credit limit balance from INR 1,000 (current credit limit balance) to INR 10,000 using Increase Credit Limit Balance API.

Endpoint URI

POST	/api/v1/ifi/{tenantID}/credits/account/{accountID}/increaseCreditBalance

Input parameters

ifiID: Required. Unique identifier of the IFI.
accountID: Required. Unique identifier of the account.
amount: Required. The amount by which the credit limit balance should be increased.

Example

In the following example, we increases the credit limit balance for an Account.

Request

Response

cURL sample

curl --location --request POST 'https://credit-limit-management.preprod.zeta.in/api/v1/ifi/{{ifiID}}/credits/account/{{accountID}}/increaseCreditBalance' \
--header 'Content-Type: application/json' \
--header 'Authorization: {{token}}' \
--header 'Cookie: {{cookie}}' \
--data-raw '{
  "content": {
    "amount": 10,
    "currency": "INR"
  },
  "id": {{id}}
}'

JSON sample

{
    "id": "cc0bcecc-8e9e-404e-91b1-6fb9c57017f9",
    "content": {
        "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795",
        "creditLimit": 10000,
        "creditBalance": 18370,
        "status": "ACTIVE",
        "accountAttrs": {
            "additionalProp1": "Test"
        },
        "tenant": {
            "id": 100001,
            "tenantId": 140793,
            "tenantName": "peSeva",
            "vboId": "6a90160f-1306-420a-945a-080a3edd0325",
            "sandboxId": 233,
            "policyConfig": {},
            "tenantConfig": {},
            "webHookConfig": {},
            "createdDate": "Jun 2, 2020 11:10:37 AM",
            "lastModifiedDate": "Jun 2, 2020 11:10:37 AM",
            "version": 0
        },
        "createdDate": "Jun 24, 2020 12:42:34 PM",
        "lastModifiedDate": "Sep 30, 2020 10:00:15 AM",
        "version": 221
    }
}

5. Update Account Limit

The fintech decides to increase/decrease the assigned credit limit to user based on business logic. It can change the credit limit to INR 12,000 or INR 8,000 using Update account Limit API.

Endpoint URI

POST	api/v1/ifi/{ifiID}/credits/account

Input parameters

ifiID: Required. Unique identifier of the IFI.
accountID: Required. Unique identifier of the account.
creditLimit: Required. The limit of credit facility extended to the account of an Account.

Example

In the following example, we set or update credit limit of a credit account for an Account.

Request

Response

cURL sample

curl --location --request PUT 'https://credit-limit-management.preprod.zeta.in/api/v1/ifi/140793/credits/account/{{accountID}}' \
--header 'Content-Type: application/json' \
--header 'Authorization: {{token}}' \
--header 'Cookie: {{cookie}}' \
--data-raw '{
    "creditLimit" : 12000
}'

JSON sample

{
    "createdDate": "2020-10-23T07:52:51.206+0000",
    "lastModifiedDate": "2020-10-23T09:21:56.333+0000",
    "accountId": "d0baa244-d7f7-422e-a113-6e23941fdfeb",
    "creditLimit": 12000,
    "creditBalance": 12000,
    "status": "ACTIVE",
    "accountAttrs": {
        "additionalProp1": "Test"
    },
    "tenant": {
        "createdDate": "2020-10-08T09:01:52.366+0000",
        "lastModifiedDate": "2020-10-08T09:33:19.991+0000",
        "id": 100050,
        "tenantId": 140793,
        "tenantName": "ABGTest",
        "vboId": "910c0eb1-3972-49bd-aaf9-c21ebbc0c026",
        "sandboxId": 748,
        "policyConfig": {},
        "tenantConfig": {},
        "webHookConfig": {}
    }
}

6. Decrease Credit Limit Balance

The fintech can also use Decrease Credit Limit Balance API to reduce the credit limit balance. Typically used in JIT Funding in non-card transactions. JIT Funding in such cases is orchestrated by Fintech.

Endpoint URI

POST	api/v1/ifi/{ifiID}/credits/account/{accountID}/decreaseCreditBalance

Input parameters

ifiID: Required. Unique identifier of the IFI.
accountID: Required. Unique identifier of the account.
amount: Required. The amount by which the credit limit balance should be decreased.

Example

In the following example, we decreases the credit limit balance for an Account.

Request

Response

cURL sample

curl --location --request POST 'https://credit-limit-management.preprod.zeta.in/api/v1/ifi/{{ifiID}}/credits/account/{{accountID}}/decreaseCreditBalance' \
--header 'Content-Type: application/json' \
--header 'Authorization: {{token}}' \
--header 'Cookie: {{cookie}}' \
--data-raw '{
  "content": {
    "amount": 10,
    "currency": "INR",
    "paymentID": "IMPS"
  },
  "id": {{id}}
}'

JSON sample

{
    "id": "cc4bcecc-7e2e-404e-91b1-6fb6c57014f4",
    "content": {
        "createdDate": "2020-06-24T12:42:34.680+0000",
        "lastModifiedDate": "2020-10-23T09:33:07.614+0000",
        "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795",
        "creditLimit": 23000,
        "creditBalance": 20040,
        "status": "ACTIVE",
        "accountAttrs": {
            "additionalProp1": "Test"
        },
        "tenant": {
            "createdDate": "2020-06-02T11:10:37.479+0000",
            "lastModifiedDate": "2020-06-02T11:10:37.479+0000",
            "id": 100001,
            "tenantId": 140793,
            "tenantName": "peSeva",
            "vboId": "6a90160f-1306-420a-945a-080a3edd0325",
            "sandboxId": 233,
            "policyConfig": {},
            "tenantConfig": {},
            "webHookConfig": {}
        }
    }
}

7. Get all Audit logs for a Credit Account

The fintech can view Audit logs for an account using View Audit logs for Account.

Endpoint URI

GET	/api/v1/ifi/{ifiID}/credits/account/{accountID}/audit/logs

Input parameters

ifiID: Required. Unique identifier of the IFI.
accountID: Required. Unique identifier of the account.

Example

In the following example, we retrieve the credit logs of a specific credit account under an IFI. Use page and size query parameters for a paginated view.

Request

Response

cURL sample

curl --location --request GET 'https://credit-limit-management.preprod.zeta.in/api/v1/ifi/{{ifiID}}/credits/account/{{accountID}}/audit/logs' \
--header 'Authorization: {{token}}' \
--header 'Cookie: {{cookie}}' \

JSON sample

{
    "content": [],
    "pageable": {
        "sort": {
            "sorted": true,
            "unsorted": false
        },
        "pageSize": 50,
        "pageNumber": 0,
        "offset": 0,
        "paged": true,
        "unpaged": false
    },
    "last": true,
    "totalPages": 0,
    "totalElements": 0,
    "sort": {
        "sorted": true,
        "unsorted": false
    },
    "first": true,
    "numberOfElements": 0,
    "size": 50,
    "number": 0
}

8. Get all Credit Audit logs

The fintech can view Audit logs for all accounts using View Audit logs for VBO.

Endpoint URI

GET	api/v1/ifi/{ifiID}/credits/audit/logs

Input parameters

ifiID: Required. Unique identifier of the IFI.

Example

In the following example, we retrieve the details of credit logs of all credit accounts under an IFI. Use page and size query parameters for a paginated view.

Request

Response

cURL sample

curl --location --request GET 'https://credit-limit-management.preprod.zeta.in/api/v1/ifi/{{ifiID}}/credits/audit/logs' \
--header 'Authorization: {{token}}' \
--header 'Cookie: {{cookie}}' \

JSON sample

{
 "content": [
 {
 "createdDate": "2020-10-22T06:31:33.690+0000",
 "lastModifiedDate": "2020-10-22T06:31:33.690+0000",
 "auditId": 1000000318,
 "openingCreditBal": 18050,
 "closingCreditBal": 20050,
 "openingCreditLimit": 21000,
 "closingCreditLimit": 23000,
 "paymentAttrs": {},
 "paymentId": "",
 "operation": "UPDATED_CREDIT_LIMIT_BY_USER",
 "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
 },
 {
 "createdDate": "2020-10-22T06:31:15.241+0000",
 "lastModifiedDate": "2020-10-22T06:31:15.241+0000",
 "auditId": 1000000317,
 "openingCreditBal": 19050,
 "closingCreditBal": 18050,
 "openingCreditLimit": 22000,
 "closingCreditLimit": 21000,
 "paymentAttrs": {},
 "paymentId": "",
 "operation": "UPDATED_CREDIT_LIMIT_BY_USER",
 "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
 },
 {
 "createdDate": "2020-10-22T06:25:05.208+0000",
 "lastModifiedDate": "2020-10-22T06:25:05.208+0000",
 "auditId": 1000000316,
 "openingCreditBal": 18050,
 "closingCreditBal": 19050,
 "openingCreditLimit": 21000,
 "closingCreditLimit": 22000,
 "paymentAttrs": {},
 "paymentId": "",
 "operation": "UPDATED_CREDIT_LIMIT_BY_USER",
 "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
 },
 {
 "createdDate": "2020-10-22T06:24:42.123+0000",
 "lastModifiedDate": "2020-10-22T06:24:42.123+0000",
 "auditId": 1000000315,
 "openingCreditBal": 19050,
 "closingCreditBal": 18050,
 "openingCreditLimit": 22000,
 "closingCreditLimit": 21000,
 "paymentAttrs": {},
 "paymentId": "",
 "operation": "UPDATED_CREDIT_LIMIT_BY_USER",
 "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
 },
 {
 "createdDate": "2020-10-08T09:56:28.847+0000",
 "lastModifiedDate": "2020-10-08T09:56:28.847+0000",
 "auditId": 1000000285,
 "openingCreditBal": 19150,
 "closingCreditBal": 19050,
 "openingCreditLimit": 22000,
 "closingCreditLimit": 22000,
 "paymentAttrs": {},
 "paymentId": "326444000036",
 "operation": "CREDIT_BALANCE_USED",
 "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
 },
 {
 "createdDate": "2020-10-08T08:28:34.272+0000",
 "lastModifiedDate": "2020-10-08T08:28:34.272+0000",
 "auditId": 1000000280,
 "openingCreditBal": 19150,
 "closingCreditBal": 19150,
 "openingCreditLimit": 22000,
 "closingCreditLimit": 22000,
 "paymentAttrs": {},
 "paymentId": "",
 "operation": "UPDATED_CREDIT_LIMIT_BY_USER",
 "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
 },
 {
 "createdDate": "2020-10-07T13:29:30.131+0000",
 "lastModifiedDate": "2020-10-07T13:29:30.131+0000",
 "auditId": 1000000275,
 "openingCreditBal": 19250,
 "closingCreditBal": 19150,
 "openingCreditLimit": 22000,
 "closingCreditLimit": 22000,
 "paymentAttrs": {},
 "paymentId": "326270000486",
 "operation": "CREDIT_BALANCE_USED",
 "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
 },
 {
 "createdDate": "2020-10-07T13:21:16.111+0000",
 "lastModifiedDate": "2020-10-07T13:21:16.111+0000",
 "auditId": 1000000259,
 "openingCreditBal": 19350,
 "closingCreditBal": 19250,
 "openingCreditLimit": 22000,
 "closingCreditLimit": 22000,
 "paymentAttrs": {},
 "paymentId": "IMPS",
 "operation": "CREDIT_BALANCE_USED",
 "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
 },
 {
 "createdDate": "2020-10-07T13:17:51.452+0000",
 "lastModifiedDate": "2020-10-07T13:17:51.452+0000",
 "auditId": 1000000266,
 "openingCreditBal": 18350,
 "closingCreditBal": 19350,
 "openingCreditLimit": 21000,
 "closingCreditLimit": 22000,
 "paymentAttrs": {},
 "paymentId": "",
 "operation": "UPDATED_CREDIT_LIMIT_BY_USER",
 "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
 },
 {
 "createdDate": "2020-10-07T10:28:31.359+0000",
 "lastModifiedDate": "2020-10-07T10:28:31.359+0000",
 "auditId": 1000000270,
 "openingCreditBal": 18360,
 "closingCreditBal": 18350,
 "openingCreditLimit": 21000,
 "closingCreditLimit": 21000,
 "paymentAttrs": {},
 "paymentId": "326269000115",
 "operation": "CREDIT_BALANCE_USED",
 "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
 },
 {
 "createdDate": "2020-10-07T09:12:14.087+0000",
 "lastModifiedDate": "2020-10-07T09:12:14.087+0000",
 "auditId": 1000000265,
 "openingCreditBal": 18370,
 "closingCreditBal": 18360,
 "openingCreditLimit": 21000,
 "closingCreditLimit": 21000,
 "paymentAttrs": {},
 "paymentId": "326270000100",
 "operation": "CREDIT_BALANCE_USED",
 "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
 },
 {
 "createdDate": "2020-09-30T10:00:15.498+0000",
 "lastModifiedDate": "2020-09-30T10:00:15.498+0000",
 "auditId": 1000000261,
 "openingCreditBal": 18360,
 "closingCreditBal": 18370,
 "openingCreditLimit": 21000,
 "closingCreditLimit": 21000,
 "paymentAttrs": {},
 "paymentId": "",
 "operation": "CREDIT_BALANCE_INCREASED",
 "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
 },
 {
 "createdDate": "2020-09-30T09:59:56.230+0000",
 "lastModifiedDate": "2020-09-30T09:59:56.230+0000",
 "auditId": 1000000258,
 "openingCreditBal": 18370,
 "closingCreditBal": 18360,
 "openingCreditLimit": 21000,
 "closingCreditLimit": 21000,
 "paymentAttrs": {},
 "paymentId": "IMPS",
 "operation": "CREDIT_BALANCE_USED",
 "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
 },
 {
 "createdDate": "2020-09-30T09:59:18.632+0000",
 "lastModifiedDate": "2020-09-30T09:59:18.632+0000",
 "auditId": 1000000260,
 "openingCreditBal": 18380,
 "closingCreditBal": 18370,
 "openingCreditLimit": 21000,
 "closingCreditLimit": 21000,
 "paymentAttrs": {},
 "paymentId": "IMPS",
 "operation": "CREDIT_BALANCE_USED",
 "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
 },
 {
 "createdDate": "2020-09-30T09:57:35.590+0000",
 "lastModifiedDate": "2020-09-30T09:57:35.590+0000",
 "auditId": 1000000257,
 "openingCreditBal": 18390,
 "closingCreditBal": 18380,
 "openingCreditLimit": 21000,
 "closingCreditLimit": 21000,
 "paymentAttrs": {},
 "paymentId": "IMPS",
 "operation": "CREDIT_BALANCE_USED",
 "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
 },
 {
 "createdDate": "2020-09-30T09:35:05.768+0000",
 "lastModifiedDate": "2020-09-30T09:35:05.768+0000",
 "auditId": 1000000256,
 "openingCreditBal": 17390,
 "closingCreditBal": 18390,
 "openingCreditLimit": 20000,
 "closingCreditLimit": 21000,
 "paymentAttrs": {},
 "paymentId": "",
 "operation": "UPDATED_CREDIT_LIMIT_BY_USER",
 "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
 },
 {
 "createdDate": "2020-09-30T09:34:40.193+0000",
 "lastModifiedDate": "2020-09-30T09:34:40.193+0000",
 "auditId": 1000000255,
 "openingCreditBal": 17390,
 "closingCreditBal": 17390,
 "openingCreditLimit": 20000,
 "closingCreditLimit": 20000,
 "paymentAttrs": {},
 "paymentId": "",
 "operation": "UPDATED_CREDIT_LIMIT_BY_USER",
 "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
 },
 {
 "createdDate": "2020-09-29T12:16:21.992+0000",
 "lastModifiedDate": "2020-09-29T12:16:21.992+0000",
 "auditId": 1000000250,
 "openingCreditBal": 17386,
 "closingCreditBal": 17390,
 "openingCreditLimit": 20000,
 "closingCreditLimit": 20000,
 "paymentAttrs": {},
 "paymentId": "",
 "operation": "CREDIT_BALANCE_INCREASED",
 "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
 },
 {
 "createdDate": "2020-09-25T11:02:02.105+0000",
 "lastModifiedDate": "2020-09-25T11:02:02.105+0000",
 "auditId": 1000000231,
 "openingCreditBal": 49980,
 "closingCreditBal": 50000,
 "openingCreditLimit": 50000,
 "closingCreditLimit": 50000,
 "paymentAttrs": {},
 "paymentId": "",
 "operation": "CREDIT_BALANCE_INCREASED",
 "accountId": "54af4f90-c1e7-451a-964c-1ec4e5ba29e4"
 },
 {
 "createdDate": "2020-09-25T11:01:52.500+0000",
 "lastModifiedDate": "2020-09-25T11:01:52.500+0000",
 "auditId": 1000000245,
 "openingCreditBal": 49790,
 "closingCreditBal": 49980,
 "openingCreditLimit": 50000,
 "closingCreditLimit": 50000,
 "paymentAttrs": {},
 "paymentId": "",
 "operation": "CREDIT_BALANCE_INCREASED",
 "accountId": "54af4f90-c1e7-451a-964c-1ec4e5ba29e4"
 },
 {
 "createdDate": "2020-09-25T11:01:34.696+0000",
 "lastModifiedDate": "2020-09-25T11:01:34.696+0000",
 "auditId": 1000000240,
 "openingCreditBal": 49800,
 "closingCreditBal": 49790,
 "openingCreditLimit": 50000,
 "closingCreditLimit": 50000,
 "paymentAttrs": {},
 "paymentId": "a2a_test_dummy_001",
 "operation": "CREDIT_BALANCE_USED",
 "accountId": "54af4f90-c1e7-451a-964c-1ec4e5ba29e4"
 },
 {
 "createdDate": "2020-09-25T11:01:28.162+0000",
 "lastModifiedDate": "2020-09-25T11:01:28.162+0000",
 "auditId": 1000000235,
 "openingCreditBal": 49810,
 "closingCreditBal": 49800,
 "openingCreditLimit": 50000,
 "closingCreditLimit": 50000,
 "paymentAttrs": {},
 "paymentId": "a2a_test_dummy_001",
 "operation": "CREDIT_BALANCE_USED",
 "accountId": "54af4f90-c1e7-451a-964c-1ec4e5ba29e4"
 },
 {
 "createdDate": "2020-09-25T09:48:54.171+0000",
 "lastModifiedDate": "2020-09-25T09:48:54.171+0000",
 "auditId": 1000000230,
 "openingCreditBal": 49800,
 "closingCreditBal": 49810,
 "openingCreditLimit": 50000,
 "closingCreditLimit": 50000,
 "paymentAttrs": {},
 "paymentId": "",
 "operation": "CREDIT_BALANCE_INCREASED",
 "accountId": "54af4f90-c1e7-451a-964c-1ec4e5ba29e4"
 },
 {
 "createdDate": "2020-09-22T13:15:15.924+0000",
 "lastModifiedDate": "2020-09-22T13:15:15.924+0000",
 "auditId": 1000000218,
 "openingCreditBal": 17376,
 "closingCreditBal": 17386,
 "openingCreditLimit": 20000,
 "closingCreditLimit": 20000,
 "paymentAttrs": {},
 "paymentId": "",
 "operation": "CREDIT_BALANCE_INCREASED",
 "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
 },
 {
 "createdDate": "2020-09-22T13:13:38.125+0000",
 "lastModifiedDate": "2020-09-22T13:13:38.125+0000",
 "auditId": 1000000226,
 "openingCreditBal": 17386,
 "closingCreditBal": 17376,
 "openingCreditLimit": 20000,
 "closingCreditLimit": 20000,
 "paymentAttrs": {},
 "paymentId": "IMPS",
 "operation": "CREDIT_BALANCE_USED",
 "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
 },
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 "auditId": 1000000222,
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 "auditId": 1000000177,
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 "paymentAttrs": {},
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 {
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 "auditId": 1000000191,
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 "auditId": 1000000176,
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 {
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 "lastModifiedDate": "2020-09-01T07:29:40.608+0000",
 "auditId": 1000000195,
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 {
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 "auditId": 1000000190,
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 {
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 {
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 {
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Currently the SCLMS only intercepts card payments. The ability to intercept payments on other channels is part of our roadmap.

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Simple Credit Line Management System

Page tree

Terminology

Simple Credit Limit Management System

Use case

1. Assign Credit Limit to Account

Endpoint URI

Input parameters

Example

2. Just in time Funding

3. Credit Limit Balance usage

4. Increase Credit Limit Balance

Endpoint URI

Input parameters

Example

5. Update Account Limit

Endpoint URI

Input parameters

Example

6. Decrease Credit Limit Balance

Endpoint URI

Input parameters

Example

7. Get all Audit logs for a Credit Account

Endpoint URI

Input parameters

Example

8. Get all Credit Audit logs

Endpoint URI

Input parameters

Example