Banking Service Document

Key Features

Account Management

• Open Account
• Login
• Edit Account
• Delete Account
• Block Account

Account Types

• Current Account
• Savings Account

Card Services

• Credit Card Management
• Debit Card Management
• PIN Services (Create, Change, Forgot)

ATM Services

• Withdraw Money
• Check Balance

Phone Banking

• Create Phone Banking Access
• Update Phone Banking Information
• Block Phone Banking
• Change Phone Banking PIN

Internet Banking

• Create Internet Banking Access
• Update Internet Banking Information
• Block Internet Banking
• Change Internet Banking PIN

UPI Services

• Create UPI ID
• Fetch UPI ID
• Delete UPI ID
• Block UPI ID

Reward Points System

• Earn Reward Points (e.g., from shopping)

Transaction History

• View Transaction History

Database Schema

User

{ "userId": "UUID", "firstName": "String", "lastName": "String", "email": "String", "phoneNumber": "String", "passwordHash": "String", "accounts": [], "cards": [], "isVerified": "Boolean", "verificationDate": "DateTime", "createdAt": "DateTime", "updatedAt": "DateTime" } { "userId": "UUID", "firstName": "String", "lastName": "String", "email": "String", "phoneNumber": "String", "address": { "street": "String", "city": "String", "state": "String", "postalCode": "String", "country": "String" }, "dateOfBirth": "DateTime", "profilePicture": "String", "preferences": { "language": "String", "currency": "String" }, "createdAt": "DateTime", "updatedAt": "DateTime" }

Account

{ "accountId": "a1b2c3d4-5678-9101-1121-314151617181", "userId": "u1b2c3d4-5678-9101-1121-314151617181", "accountType": "SAVING", "accountName": "Emergency Fund", "balance": 8000.50, "currency": "USD", "interestRate": 2.5, "overdraftLimit": null, "accountStatus": "ACTIVE", "blockedReason": null, "blockedAt": null, "lastTransactionDate": "2025-01-10T15:45:00Z", "minimumBalance": 500.00, "rewardPoints": 120, "createdAt": "2024-12-01T10:00:00Z", "updatedAt": "2025-01-10T15:45:00Z", "closedAt": null }

Card

{ "cardId": "UUID", "accountId": "UUID", "userId": "UUID", "cardType": "Enum['CREDIT', 'DEBIT']", "cardNumber": "String", "expiryDate": "Date", "CVV": "String", "pinHash": "String", "cardStatus": "Enum['ACTIVE', 'BLOCKED', 'EXPIRED', 'LOST']", "issuedAt": "DateTime", "blockedAt": "DateTime", "blockedReason": "String", "activationDate": "DateTime", "lastUsedDate": "DateTime", "linkedServices": [ ], "creditLimit": "Number", "currentOutstanding": "Number", "rewardPoints": "Number", "transactions": [], "createdAt": "DateTime", "updatedAt": "DateTime" }

Transactions

{ "transactionId": "UUID", "accountId": "UUID", "userId": "UUID", "cardId": "UUID", "transactionType": "Enum['DEPOSIT', 'WITHDRAWAL', 'TRANSFER', 'PURCHASE', 'REFUND']", "transactionMode": "Enum['CASH', 'UPI', 'CARD', 'INTERNET_BANKING', 'PHONE_BANKING']", "amount": "Number", "currency": "String", "transactionDate": "DateTime", "status": "Enum['PENDING', 'SUCCESS', 'FAILED', 'CANCELLED']", "merchant": { "merchantId": "String", "merchantName": "String", "merchantCategory": "String" }, "receiverAccountId": "UUID", "transactionFee": "Number", "description": "String", "rewardPointsEarned": "Number", "linkedServices": [ { "serviceType": "Enum['UPI', 'PHONE_BANKING']", "serviceId": "UUID" } ], "createdAt": "DateTime", "updatedAt": "DateTime" }

Bill

{ "billId": "UUID", "userId": "UUID", "accountId": "UUID", "cardId": "UUID", "billType": "Enum['UTILITY', 'LOAN', 'CREDIT_CARD', 'SUBSCRIPTION', 'INSURANCE']", "biller": { "billerId": "String", "billerName": "String", "billerCategory": "String" }, "amount": "Number", "currency": "String", "dueDate": "DateTime", "paymentStatus": "Enum['PENDING', 'PAID', 'FAILED', 'OVERDUE']", "autoPay": { "enabled": "Boolean", "linkedAccountId": "UUID", "linkedCardId": "UUID" }, "recurring": { "isRecurring": "Boolean", "frequency": "Enum['DAILY', 'WEEKLY', 'MONTHLY', 'YEARLY']", "nextDueDate": "DateTime" }, "notifications": { "reminderBeforeDays": "Number", "emailNotification": "Boolean", "smsNotification": "Boolean" }, "description": "String", "createdAt": "DateTime", "updatedAt": "DateTime" }

UPI

{ "upiId": "UUID", "userId": "UUID", "accountId": "UUID", "upiAddress": "String", "upiStatus": "Enum['ACTIVE', 'BLOCKED', 'INACTIVE']", "linkedMobile": "String", "linkedBank": { "bankName": "String", "accountNumber": "String", "ifscCode": "String" }, "createdAt": "DateTime", "updatedAt": "DateTime", "blockedAt": "DateTime", "blockReason": "String", "lastUsedAt": "DateTime", "transactionHistory": [ { "transactionId": "UUID", "amount": "Number", "currency": "String", "transactionDate": "DateTime", "status": "Enum['SUCCESS', 'FAILED', 'PENDING']", "merchant": { "merchantName": "String", "merchantId": "String" }, "type": "Enum['PAYMENT', 'REQUEST']", "description": "String" } ] }

Notification

{ "notificationId": "UUID", "userId": "UUID", "notificationType": "Enum['TRANSACTION', 'BILL_REMINDER', 'PROMOTIONAL', 'ALERT']", "message": "String", "status": "Enum['SENT', 'READ', 'FAILED']", "sentAt": "DateTime", "receivedAt": "DateTime", "channel": "Enum['SMS', 'EMAIL', 'PUSH']", "createdAt": "DateTime" }

Reward

{ "rewardId": "UUID", "userId": "UUID", "pointsEarned": "Number", "transactionId": "UUID", "expiryDate": "DateTime", "redeemedPoints": "Number", "balancePoints": "Number", "rewardCategory": "String", "createdAt": "DateTime", "updatedAt": "DateTime" }