Merge pull request w3c#46 from mattsaxon/gh-pages

Gh pages

PaymentFlows/RealTime/RealTimePayments.pml

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+@startuml
+
+skinparam backgroundColor #EEEBDC
+
+skinparam noteBackgroundColor #A9DCDF
+skinparam noteBorderColor Blue
+
+skinparam sequence {
+ArrowColor DeepSkyBlue
+ActorBorderColor DeepSkyBlue
+LifeLineBorderColor blue
+LifeLineBackgroundColor #A9DCDF
+ParticipantBorderColor DeepSkyBlue
+ParticipantBackgroundColor DodgerBlue
+ParticipantFontName Impact
+ParticipantFontSize 17
+ParticipantFontColor #A9DCDF
+ActorBackgroundColor aqua
+ActorFontColor DeepSkyBlue
+ActorFontSize 17
+ActorFontName Aapex
+DividerFontColor DodgerBlue
+DividerFontSize 15
+DividerFontStyle bold
+}
+hide footbox
+title Footer removed
+
+title Real Time Payments Service flows\nBased on a distributed architecture service\nSingle currency settlement
+
+participant Debtor
+participant DebtorAgent
+participant RealTimeSettlementService
+participant CreditorAgent
+participant Creditor
+
+== Initiation of Payment Obligation ==
+Hnote over RealTimeSettlementService
+The Debtor and the Creditor have entered into an agreement (or obligation, 
+such as a web purchase, a commercial contract, a securities deal, .....)
+which bounds the Debtor to pay the Creditor an agreed amount of money
+through a credit transfer, executed through a distributed real time payment service.
+end note
+Debtor <---> Creditor: Establish Payment Obligation
+
+== Payment Initiation ==
+Hnote over Debtor
+The Debtor initiates a payment to its bank - the DebtorAgent
+end note
+Debtor -> DebtorAgent: CustomerCreditTransferInitiation
+activate DebtorAgent
+|||
+== Payment Clearing ==
+Hnote over RealTimeSettlementService
+The DebtorAgent instructs the payment
+to the beneficiary (the Creditor)
+through a credit transfer to the CreditorAgent.
+The CreditorAgent will receive the amount of money
+through the real time payment service.
+end note
+DebtorAgent -> CreditorAgent: FIToFICustomerCreditTransfer
+activate CreditorAgent
+|||
+== Payment Settlement ==
+Hnote over RealTimeSettlementService
+Both DebtorAgent and CreditorAgent are participants
+in the realtime payments settlement service and
+have both an account in the system.
+The DebtorAgent issues an interbank credit transfer
+to the realtime settlement service instructing to move 
+the amount of money (the funds) from its own account
+to the account of the CreditAgent.
+end note
+
+DebtorAgent [#Blue]-> RealTimeSettlementService: FinancialInstitutionCreditTransfer
+activate RealTimeSettlementService #Blue
+Hnote over RealTimeSettlementService
+Once the movement of the amount of money is confirmed,
+the realtime payments settlement service sends a status message 
+to indicate the transfer was accepted to both DebtorAgent and CreditorAgent.
+end note
+RealTimeSettlementService [#Blue]-> DebtorAgent: FIToFIPaymentStatusReport (Accepted)
+RealTimeSettlementService [#Blue]-> CreditorAgent: FIToFIPaymentStatusReport (Accepted)
+deactivate RealTimeSettlementService #Blue
+activate CreditorAgent #Blue
+|||
+== Payment Confirmation ==
+Hnote over RealTimeSettlementService
+The CreditorAgent books the funds on the Creditor's account and 
+confirms to the DebtorAgent that the funds have been credited
+through a status message to indicate a successfull payment.
+end note
+CreditorAgent -> DebtorAgent: FIToFIPaymentStatusReport (Accepted)
+deactivate CreditorAgent #Blue
+deactivate DebtorAgent
+|||
+== Payment Notification ==
+Hnote over Creditor
+The CreditorAgent informs the Creditor that the funds 
+have been credited on the Creditor's account.
+end note
+CreditorAgent -> Creditor: BankToCustomerDebitCreditNotification (Booked/Credit)
+deactivate CreditorAgent
+|||
+@enduml