See also, Tazama Transaction Monitoring Service overview
sequenceDiagram
participant Client as "External Client"
participant TMS as "Transaction Monitoring Service"
participant log as "Logger"
participant Ara as "ArangoDB"
participant Cache as "Redis Cache"
participant ED as "Event-Director"
%% ISO20022 Message Pain001
rect rgb(105, 105, 105)
Client ->>+ TMS: POST /execute: Pain001.001.11 Message
TMS ->> TMS: Validate Pain001
TMS ->> log: Logging of receipt
alt Validation Error
TMS ->> log: Logging of error
TMS ->> Client: /execute POST Result
end
rect rgb(173, 216, 230)
rect rgb(138, 43, 226)
par save in ArangoDB and Redis Cache
TMS ->> Ara: saveTransactionHistory(pain001)
TMS ->> Ara: addAccount(debtor)
TMS ->> Ara: addAccount(creditor)
TMS ->> Ara: addEntity(debtor)
TMS ->> Ara: addEntity(creditor)
TMS ->> Cache: setJson(DataCache)
end
end
TMS ->> ED: NATS handleResponse: Pain001 Message
end
alt Error
TMS ->> log: Logging of error
TMS ->> TMS: Throw error
end
TMS ->> log: Transaction sent to ED service
TMS ->> Client: /execute POST Result
end
%% ISO20022 Message Pain013
rect rgb(105, 105, 105)
Client ->>+ TMS: POST /quoteReply: Pain013.001.09 Message
TMS ->> TMS: Validate Pain013
TMS ->> log: Logging of receipt
alt Validation Error
TMS ->> log: Logging of error
TMS ->> Client: /quoteReply POST Result
end
rect rgb(173, 216, 230)
TMS ->> Cache: getJson(DataCache)
alt rebuild Cache
TMS ->> Ara: getTransactionPain001
alt Error
TMS ->> TMS: Throw error
end
TMS ->> TMS: rebuildCache
TMS ->> Cache: setJson(DataCache)
end
par save in ArangoDB
TMS ->> Ara: saveTransactionHistory(pain013)
TMS ->> Ara: addAccount(debtor)
TMS ->> Ara: addAccount(creditor)
end
TMS ->> ED: NATS handleResponse: Pain013 Message
end
alt Error
TMS ->> log: Logging of error
TMS ->> TMS: Throw error
end
TMS ->> log: Transaction sent to ED service
TMS ->> Client: /quoteReply POST Result
end
%% ISO20022 Message Pacs008
rect rgb(105, 105, 105)
Client ->>+ TMS: POST /transfer: Pacs008.001.10 Message
TMS ->> TMS: Validate Pacs008
TMS ->> log: Logging of receipt
alt Validation Error
TMS ->> log: Logging of error
TMS ->> Client: /transfer POST Result
end
rect rgb(173, 216, 230)
TMS ->> Cache: getJson(DataCache)
alt rebuild Cache
TMS ->> Ara: getTransactionPain001
alt Error
TMS ->> TMS: Throw error
end
TMS ->> TMS: rebuildCache
TMS ->> Cache: setJson(DataCache)
end
par save in ArangoDB
TMS ->> Ara: saveTransactionHistory(pacs008)
TMS ->> Ara: addAccount(debtor)
TMS ->> Ara: addAccount(creditor)
end
TMS ->> ED: NATS handleResponse: Pacs008 Message
end
alt Error
TMS ->> log: Logging of error
TMS ->> TMS: Throw error
end
TMS ->> log: Transaction sent to ED service
TMS ->> Client: /transfer POST Result
end
Transaction monitoring is one of many risk management activities that an organization must perform to ensure healthy operations and also to remain compliant with relevant legislation or regulations.
Currently, it accepts ISO20022 Pain001.001.11 message , pain.013 message , pacs.002.001.12 and pacs.008.001.10. For more information click here
The activity diagram below applies to Pain001, Pain013, Pacs008 and Pacs002 messages.
flowchart TD
start([Start]) --> acceptHttpRequest["Accept the HTTP POST request (JSON)"]
acceptHttpRequest --> requestAccepted{Request accepted?}
requestAccepted --> |Yes| swagger1[Swagger]
swagger1 --> note1["* Running as a middleware\n* The request visits swagger the first time\n* The config is defined in swagger.yml"]
note1 --> requestFormatValidated{Is request format validated?}
requestFormatValidated --> |Yes| swagger2[Swagger]
requestFormatValidated --> |No| throwError[Throw an error]
throwError --> stop1([Stop])
stop1 --> noteError1["* code: SWAGGER_REQUEST_VALIDATION_FAILED\n* errors: error description"]
requestAccepted --> |No| errorResponse[Error]
errorResponse --> stop2([Stop])
stop2 --> noteError2["* HTTP 400 Bad Request"]
swagger2 --> createObject[Create object]
createObject --> noteCreateObject["* Typescript object\n* Valid object"]
noteCreateObject --> populateDatabase[Populate Database]
populateDatabase --> notePopulateDatabase["* The json body includes\n - The valid created object"]
notePopulateDatabase --> createRequest[Send Message to Event-Director]
createRequest --> noteCreateRequest["* HTTP Post request\n* The json body includes\n - The valid created object"]
noteCreateRequest --> response[Response]
response --> noteResponse["* HTTP 200 Success\n* message: Transaction is valid\n* data: original transaction object"]
noteResponse --> stop3([Stop])
graph TD
A([Start]) --> B{Check Cache}
B -->|Cache Hit?| C[Retrieve Pain.001 from Cache]
B -->|No| D[Get Pain.001 from Database]
D --> E[Cache Pain.001]
C --> F[Insert TransactionHistory]
E --> F
F --> G[Insert Creditor and Debtor Accounts]
G --> H[Save Transaction Relationship]
H --> I[Send to ED]
I --> J([End])
Sample Request Body (ISO20022 Pain001)
Pain.001.001.11 Message
{
"TxTp": "pain.001.001.11",
"CstmrCdtTrfInitn": {
"GrpHdr": {
"MsgId": "24988b914e3d4cf98a7659b2c45ce063258",
"CreDtTm": "2021-12-03T12:40:14.000Z",
"NbOfTxs": 1,
"InitgPty": {
"Nm": "April Blake Grant",
"Id": {
"PrvtId": {
"DtAndPlcOfBirth": {
"BirthDt": "1968-02-01",
"CityOfBirth": "Unknown",
"CtryOfBirth": "ZZ"
},
"Othr": {
"Id": "+27730975224",
"SchmeNm": {
"Prtry": "MSISDN"
}
}
}
},
"CtctDtls": {
"MobNb": "+27-730975224"
}
}
},
"PmtInf": {
"PmtInfId": "5ab4fc7355de4ef8a75b78b00a681ed2569",
"PmtMtd": "TRA",
"ReqdAdvcTp": {
"DbtAdvc": {
"Cd": "ADWD",
"Prtry": "Advice with transaction details"
}
},
"ReqdExctnDt": {
"Dt": "2021-12-03",
"DtTm": "2021-12-03T12:40:14.000Z"
},
"Dbtr": {
"Nm": "April Blake Grant",
"Id": {
"PrvtId": {
"DtAndPlcOfBirth": {
"BirthDt": "1968-02-01",
"CityOfBirth": "Unknown",
"CtryOfBirth": "ZZ"
},
"Othr": {
"Id": "+27730975224",
"SchmeNm": {
"Prtry": "MSISDN"
}
}
}
},
"CtctDtls": {
"MobNb": "+27-730975224"
}
},
"DbtrAcct": {
"Id": {
"Othr": {
"Id": "+27730975224",
"SchmeNm": {
"Prtry": "MSISDN"
}
}
},
"Nm": "April Grant"
},
"DbtrAgt": {
"FinInstnId": {
"ClrSysMmbId": {
"MmbId": "dfsp001"
}
}
},
"CdtTrfTxInf": {
"PmtId": {
"EndToEndId": "2c516801007642dfb892944dde1cf845"
},
"PmtTpInf": {
"CtgyPurp": {
"Prtry": "TRANSFER BLANK"
}
},
"Amt": {
"InstdAmt": {
"Amt": {
"Amt": 31020.89,
"Ccy": "USD"
}
},
"EqvtAmt": {
"Amt": {
"Amt": 31020.89,
"Ccy": "USD"
},
"CcyOfTrf": "USD"
}
},
"ChrgBr": "DEBT",
"CdtrAgt": {
"FinInstnId": {
"ClrSysMmbId": {
"MmbId": "dfsp002"
}
}
},
"Cdtr": {
"Nm": "Felicia Easton Quill",
"Id": {
"PrvtId": {
"DtAndPlcOfBirth": {
"BirthDt": "1935-05-08",
"CityOfBirth": "Unknown",
"CtryOfBirth": "ZZ"
},
"Othr": {
"Id": "+27707650428",
"SchmeNm": {
"Prtry": "MSISDN"
}
}
}
},
"CtctDtls": {
"MobNb": "+27-707650428"
}
},
"CdtrAcct": {
"Id": {
"Othr": {
"Id": "+27707650428",
"SchmeNm": {
"Prtry": "MSISDN"
}
}
},
"Nm": "Felicia Quill"
},
"Purp": {
"Cd": "MP2P"
},
"RgltryRptg": {
"Dtls": {
"Tp": "BALANCE OF PAYMENTS",
"Cd": "100"
}
},
"RmtInf": {
"Ustrd": "Payment of USD 30713.75 from April to Felicia"
},
"SplmtryData": {
"Envlp": {
"Doc": {
"Dbtr": {
"FrstNm": "April",
"MddlNm": "Blake",
"LastNm": "Grant",
"MrchntClssfctnCd": "BLANK"
},
"Cdtr": {
"FrstNm": "Felicia",
"MddlNm": "Easton",
"LastNm": "Quill",
"MrchntClssfctnCd": "BLANK"
},
"DbtrFinSvcsPrvdrFees": {
"Ccy": "USD",
"Amt": 307.14
},
"Xprtn": "2021-11-30T10:38:56.000Z"
}
}
}
}
},
"SplmtryData": {
"Envlp": {
"Doc": {
"InitgPty": {
"InitrTp": "CONSUMER",
"Glctn": {
"Lat": "-3.1609",
"Long": "38.3588"
}
}
}
}
}
}
}
Sample Request Body (ISO20022 Pain013)
Pain.013.001.09 Message
{
"TxTp": "pain.013.001.09",
"CdtrPmtActvtnReq": {
"GrpHdr": {
"MsgId": "42665509efd844da90caf468e891aa52256",
"CreDtTm": "2021-12-03T12:40:16.000Z",
"NbOfTxs": 1,
"InitgPty": {
"Nm": "April Blake Grant",
"Id": {
"PrvtId": {
"DtAndPlcOfBirth": {
"BirthDt": "1968-02-01",
"CityOfBirth": "Unknown",
"CtryOfBirth": "ZZ"
},
"Othr": {
"Id": "+27730975224",
"SchmeNm": {
"Prtry": "MSISDN"
}
}
}
},
"CtctDtls": {
"MobNb": "+27-730975224"
}
}
},
"PmtInf": {
"PmtInfId": "5ab4fc7355de4ef8a75b78b00a681ed2254",
"PmtMtd": "TRA",
"ReqdAdvcTp": {
"DbtAdvc": {
"Cd": "ADWD",
"Prtry": "Advice with transaction details"
}
},
"ReqdExctnDt": {
"DtTm": "2021-12-03T12:40:14.000Z"
},
"XpryDt": {
"DtTm": "2021-11-30T10:38:56.000Z"
},
"Dbtr": {
"Nm": "April Blake Grant",
"Id": {
"PrvtId": {
"DtAndPlcOfBirth": {
"BirthDt": "1968-02-01",
"CityOfBirth": "Unknown",
"CtryOfBirth": "ZZ"
},
"Othr": {
"Id": "+27730975224",
"SchmeNm": {
"Prtry": "MSISDN"
}
}
}
},
"CtctDtls": {
"MobNb": "+27-730975224"
}
},
"DbtrAcct": {
"Id": {
"Othr": {
"Id": "+27730975224",
"SchmeNm": {
"Prtry": "MSISDN"
}
}
},
"Nm": "April Grant"
},
"DbtrAgt": {
"FinInstnId": {
"ClrSysMmbId": {
"MmbId": "dfsp001"
}
}
},
"CdtTrfTxInf": {
"PmtId": {
"EndToEndId": "2c516801007642dfb892944dde1cf845"
},
"PmtTpInf": {
"CtgyPurp": {
"Prtry": "TRANSFER BLANK"
}
},
"Amt": {
"InstdAmt": {
"Amt": {
"Amt": 31020.89,
"Ccy": "USD"
}
},
"EqvtAmt": {
"Amt": {
"Amt": 31020.89,
"Ccy": "USD"
},
"CcyOfTrf": "USD"
}
},
"ChrgBr": "DEBT",
"CdtrAgt": {
"FinInstnId": {
"ClrSysMmbId": {
"MmbId": "dfsp002"
}
}
},
"Cdtr": {
"Nm": "Felicia Easton Quill",
"Id": {
"PrvtId": {
"DtAndPlcOfBirth": {
"BirthDt": "1935-05-08",
"CityOfBirth": "Unknown",
"CtryOfBirth": "ZZ"
},
"Othr": {
"Id": "+27707650428",
"SchmeNm": {
"Prtry": "MSISDN"
}
}
}
},
"CtctDtls": {
"MobNb": "+27-707650428"
}
},
"CdtrAcct": {
"Id": {
"Othr": {
"Id": "+27707650428",
"SchmeNm": {
"Prtry": "MSISDN"
}
}
},
"Nm": "Felicia Quill"
},
"Purp": {
"Cd": "MP2P"
},
"RgltryRptg": {
"Dtls": {
"Tp": "BALANCE OF PAYMENTS",
"Cd": "100"
}
},
"SplmtryData": {
"Envlp": {
"Doc": {
"PyeeRcvAmt": {
"Amt": {
"Amt": 30713.75,
"Ccy": "USD"
}
},
"PyeeFinSvcsPrvdrFee": {
"Amt": {
"Amt": 153.57,
"Ccy": "USD"
}
},
"PyeeFinSvcsPrvdrComssn": {
"Amt": {
"Amt": 30.71,
"Ccy": "USD"
}
}
}
}
}
}
},
"SplmtryData": {
"Envlp": {
"Doc": {
"InitgPty": {
"Glctn": {
"Lat": "-3.1609",
"Long": "38.3588"
}
}
}
}
}
}
}Sample Request Body (ISO20022 Pacs008)
pacs.008.001.10 Message
{
"TxTp": "pacs.008.001.10",
"FIToFICstmrCdt": {
"GrpHdr": {
"MsgId": "24e80c9836f6437e8aa46cbb3fbdd5b1",
"CreDtTm": "2024-05-27T13:57:33.890Z",
"NbOfTxs": 1,
"SttlmInf": {
"SttlmMtd": "CLRG"
}
},
"CdtTrfTxInf": {
"PmtId": {
"InstrId": "5ab4fc7355de4ef8a75b78b00a681ed2",
"EndToEndId": "fe252acd9f1742d0ad9d74000ecc57d8"
},
"IntrBkSttlmAmt": {
"Amt": {
"Amt": 531.81,
"Ccy": "XTS"
}
},
"InstdAmt": {
"Amt": {
"Amt": 531.81,
"Ccy": "XTS"
}
},
"ChrgBr": "DEBT",
"ChrgsInf": {
"Amt": {
"Amt": 0,
"Ccy": "XTS"
},
"Agt": {
"FinInstnId": {
"ClrSysMmbId": {
"MmbId": "dfsp001"
}
}
}
},
"InitgPty": {
"Nm": "April Blake Grant",
"Id": {
"PrvtId": {
"DtAndPlcOfBirth": {
"BirthDt": "1968-02-01",
"CityOfBirth": "Unknown",
"CtryOfBirth": "ZZ"
},
"Othr": {
"Id": "+27730975224",
"SchmeNm": {
"Prtry": "MSISDN"
}
}
}
},
"CtctDtls": {
"MobNb": "+27-730975224"
}
},
"Dbtr": {
"Nm": "April Blake Grant",
"Id": {
"PrvtId": {
"DtAndPlcOfBirth": {
"BirthDt": "1999-05-09",
"CityOfBirth": "Unknown",
"CtryOfBirth": "ZZ"
},
"Othr": {
"Id": "60409827ba274853a2ec2475c64566d5",
"SchmeNm": {
"Prtry": "TAZAMA_EID"
}
}
}
},
"CtctDtls": {
"MobNb": "+27-730975224"
}
},
"DbtrAcct": {
"Id": {
"Othr": {
"Id": "7473251533b34fe891fa8b0d1691d375",
"SchmeNm": {
"Prtry": "MSISDN"
}
}
},
"Nm": "April Grant"
},
"DbtrAgt": {
"FinInstnId": {
"ClrSysMmbId": {
"MmbId": "dfsp001"
}
}
},
"CdtrAgt": {
"FinInstnId": {
"ClrSysMmbId": {
"MmbId": "dfsp002"
}
}
},
"Cdtr": {
"Nm": "Felicia Easton Quill",
"Id": {
"PrvtId": {
"DtAndPlcOfBirth": {
"BirthDt": "1935-05-08",
"CityOfBirth": "Unknown",
"CtryOfBirth": "ZZ"
},
"Othr": {
"Id": "1d495a2f710e436089677dcc789f279d",
"SchmeNm": {
"Prtry": "TAZAMA_EID"
}
}
}
},
"CtctDtls": {
"MobNb": "+27-707650428"
}
},
"CdtrAcct": {
"Id": {
"Othr": {
"Id": "f58d206a6ada4a34a372dfbd66b17c6f",
"SchmeNm": {
"Prtry": "MSISDN"
}
}
},
"Nm": "Felicia Quill"
},
"Purp": {
"Cd": "MP2P"
}
},
"RgltryRptg": {
"Dtls": {
"Tp": "BALANCE OF PAYMENTS",
"Cd": "100"
}
},
"RmtInf": {
"Ustrd": "Generic payment description"
},
"SplmtryData": {
"Envlp": {
"Doc": {
"Xprtn": "2021-11-30T10:38:56.000Z",
"InitgPty": {
"Glctn": {
"Lat": "-3.1609",
"Long": "38.3588"
}
}
}
}
}
}
}Sample Request Body (ISO20022 Pacs002)
pacs.002.001.12 Message
{
"TxTp": "pacs.002.001.12",
"FIToFIPmtSts": {
"GrpHdr": {
"MsgId": "e24562287a264651b0c42a3de9ea44fe",
"CreDtTm": "2024-05-27T14:02:33.890Z"
},
"TxInfAndSts": {
"OrgnlInstrId": "5ab4fc7355de4ef8a75b78b00a681ed2",
"OrgnlEndToEndId": "fe252acd9f1742d0ad9d74000ecc57d8",
"TxSts": "ACCC",
"ChrgsInf": [
{
"Amt": {
"Amt": 0,
"Ccy": "USD"
},
"Agt": {
"FinInstnId": {
"ClrSysMmbId": {
"MmbId": "dfsp001"
}
}
}
},
{
"Amt": {
"Amt": 0,
"Ccy": "USD"
},
"Agt": {
"FinInstnId": {
"ClrSysMmbId": {
"MmbId": "dfsp001"
}
}
}
},
{
"Amt": {
"Amt": 0,
"Ccy": "USD"
},
"Agt": {
"FinInstnId": {
"ClrSysMmbId": {
"MmbId": "dfsp002"
}
}
}
}
],
"AccptncDtTm": "2023-06-02T07:52:31.000Z",
"InstgAgt": {
"FinInstnId": {
"ClrSysMmbId": {
"MmbId": "dfsp001"
}
}
},
"InstdAgt": {
"FinInstnId": {
"ClrSysMmbId": {
"MmbId": "dfsp002"
}
}
}
}
}
}