The objective of this project is to create small and compact language for payment transaction processing. Underlying instrumentation code should be KVS layer for storing transaction chains but naturally should be extended to different backends like Java, PL/SQL and other languages currently involved in banking card processing.
Pocessing systems are using manually crafted application relays to handle card processing business rules. Being defined by business analysts these rules are fallen down to engineering teams informally. Approach we provide pushes card processing to solid background in a form of domain specific language common for all card plans analytics departments.
Having compact language we can formally build various translators for particular customers and existing processing systems. At the same time we provide reference back-end Erlang system implementation for transactions processing. Also DSL gives us a natural and easy verification strategies and compactifications.
This language could be easily extended to other domain aread like internet payment processing, shopping mall bonus programs, mobile operators tariff plans.
Using MAD in PATH just perform make.
initial-payment
last-payment
payment_direction = charge | withdraw
charge_rule = Fixed + Percent [ of amount (default)
| of debt
| of credit
| of deposit
| of rate ]
Moneybox
program "moneybox"
deposit duration range monthly 1 -> 20%
monthly 3 -> 22%
monthly 6 -> 22% of amount
annual -> 23% of amount
partial widthdraw disabled
charge enabled
fee 15% account "TAX-001"
Deposit Plus
program "Deposit-Plus" UAH
deposit duration range monthly 1 -> 20%
monthly 3 -> 22%
monthly 6 -> 22%
annual -> 23%
withdraw disabled
auto
charge enabled limit max 20000 monthly
monthly 1% of amount to account "Bonus-Plus"
final move from rate to deposit -- Capitalization
fee 15% name "tax" account "users/maxim/accounts/TAX-001"
accounts deposit "users/maxim/accounts/MB-0001"
rate "users/maxim/accounts/MB-0001-Percents"
Universal
program PB-UNIVERSAL UAH
limit 25K
grace 55 days
deposit duration range monthly 1 -> 20%
monthly 3 -> 22%
monthly 6 -> 22% of amount
annual -> 23% of amount
partial
fee 15% name "tax" account "users/maxim/accounts/TAX-001"
rate annual 40.90% of credit
penalty daily 50 + 5.8% of debt
fee month 5% of debt limit min 50 max debt
transaction cashin 0
cashout pos ballance 1
country UA 1%
_ 2%
cashout amount range 1,100 7
100.01,200 12
200.01,300 18
300.01,400 24
400,01,500 30
500,01,_ 4% of amount
transaction wire target local 0
1% of amount or 10 + 4% of credit
target local type PB-UNIVERAL 0% of amount or 4% of credit
target local 0.5% of amount limit max 200 or 4% of credit
target _ 1% limit min 3 or 4% of credit
target _ type phone 2
accounts fee PB-100001
rate PB-100002
penalty PB-100003
Planitum
program M-PLA-CB UAH
limit unknown
grace duration range number 1 -> 100
_ 60 days
penalty daily 100
month add-rate 5%
currency convert 1%
rate month 4.9% of credit
fee month 12 once on initial-payment
month 3% of debt limit min 50 max debt
month 1.2% of debt
month 24
status disabled 10
transaction cashin 0
cashout pos ATMOSPHERA 0
cashout contry UA 5 + 1.5%
_ 30 + 1%
wire target local 0
wire 0.5% of amount limit min 5 max 500
accounts fee M-100001
rate M-100002
penalty M-100003
{card,6,
{name,'Deposit_Plus'},
{currency,'UAH'},
[{deposit,
[{duration,
[{monthly,{int,1},{fee,[],{charge,{percent,0.2}}}},
{monthly,{int,3},{fee,[],{charge,{percent,0.22}}}},
{monthly,
{int,6},
{fee,
[{account,"users/maxim/accounts/MB-0001-Percents"},
{name,[]}],
{charge,amount,{percent,0.22},undefined}}},
{annual,
{fee,[],{charge,amount,{percent,0.23},undefined}}}]},
{withdraw,disabled},
{auto},
{charge,enabled,
{monthly,1,{fee,[],{limit,[{max,{int,20000}}]}}}},
{monthly,1,
{fee,
[{account,"Bonus_Plus"},{name,[]}],
{charge,amount,{percent,0.01},undefined}}},
{fee,17}]},
{accounts,
[{deposit,"users/maxim/accounts/MB-0001"},
{rate,"users/maxim/accounts/MB-0001-Percents"}]}]}Even for Investment Banking, Swap trade Sample:
instrument 'Stub_Amort_Swap'
parties name DB id PARTYAUS33 trade DB-0001
name Barclays id BARCGB2L trade SW2000
stream pay Barclays rate 'EUR-LIBOR-BBA' monthly 6 of
notional range 06/14/1995 50000000
12/14/1995 40000000
12/14/1996 30000000
12/14/1997 20000000
12/14/1998 10000000
from 06/14/1995 to 12/14/1999 adjust MODFOLLOWING
recalculate monthly 6 roll 14
fraction 'ACT/360'
calendar GBLO
stream pay DB rate 6% annual of
notional range 06/14/1995 50000000
12/14/1995 40000000
12/14/1996 30000000
12/14/1997 20000000
12/14/1998 10000000
recalculate annual roll 14
calendar DEFR
fraction '30E/360'
- Maxim Sokhatsky
OM A HUM
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