{
  "id": "wm_3f313d91b210",
  "name": "Stripe Payment Processing System",
  "description": "Complete model of Stripe's payment processing platform including authorization flow, settlement, fees, and additional services",
  "version": "0.1.0",
  "created_at": "2026-04-08T07:43:07.099Z",
  "entities": [
    {
      "id": "ent_7d62785606ac",
      "name": "Stripe",
      "type": "system",
      "description": "Payment processing platform that enables merchants to accept payments",
      "properties": {
        "fee_structure": "2.9% + 30 cents per successful transaction",
        "chargeback_fee": "$15",
        "refund_window": "120 days"
      },
      "tags": [
        "payment_processor",
        "platform",
        "fintech"
      ]
    },
    {
      "id": "ent_6ab410e6351f",
      "name": "Merchant",
      "type": "actor",
      "description": "Business entity that sells goods/services and accepts payments through Stripe",
      "tags": [
        "business",
        "seller"
      ]
    },
    {
      "id": "ent_6d3b55c1e61e",
      "name": "Customer",
      "type": "actor",
      "description": "End user who makes purchases and provides payment information",
      "tags": [
        "buyer",
        "payer"
      ]
    },
    {
      "id": "ent_fc6f85de122d",
      "name": "Website",
      "type": "system",
      "description": "Merchant's web platform where customers make purchases",
      "tags": [
        "interface",
        "frontend"
      ]
    },
    {
      "id": "ent_48b1872a1208",
      "name": "App",
      "type": "system",
      "description": "Merchant's mobile or desktop application for customer transactions",
      "tags": [
        "interface",
        "frontend",
        "mobile"
      ]
    },
    {
      "id": "ent_295f7b39e561",
      "name": "Checkout Page",
      "type": "system",
      "description": "Interface where customers enter payment information",
      "tags": [
        "interface",
        "payment_form"
      ]
    },
    {
      "id": "ent_0dbb1a55057d",
      "name": "Credit Card",
      "type": "object",
      "description": "Payment instrument containing card data used by customers",
      "tags": [
        "payment_method",
        "financial_instrument"
      ]
    },
    {
      "id": "ent_28cd535182d1",
      "name": "Card Data",
      "type": "resource",
      "description": "Sensitive payment information from credit cards",
      "tags": [
        "sensitive_data",
        "payment_info"
      ]
    },
    {
      "id": "ent_8d2509920463",
      "name": "Stripe API",
      "type": "system",
      "description": "Programming interface for processing payments through Stripe",
      "tags": [
        "api",
        "integration_point"
      ]
    },
    {
      "id": "ent_ac915346d4d9",
      "name": "Card Network",
      "type": "system",
      "description": "Payment network infrastructure (Visa, Mastercard, etc.)",
      "tags": [
        "payment_infrastructure",
        "network"
      ]
    },
    {
      "id": "ent_6d11734749af",
      "name": "Visa",
      "type": "system",
      "description": "Major credit card network provider",
      "tags": [
        "card_network",
        "payment_brand"
      ]
    },
    {
      "id": "ent_d48ffea7089b",
      "name": "Mastercard",
      "type": "system",
      "description": "Major credit card network provider",
      "tags": [
        "card_network",
        "payment_brand"
      ]
    },
    {
      "id": "ent_620517a5d077",
      "name": "Issuing Bank",
      "type": "actor",
      "description": "Financial institution that issued the customer's credit card and authorizes transactions",
      "tags": [
        "bank",
        "financial_institution",
        "authorizer"
      ]
    },
    {
      "id": "ent_c45a273a62a4",
      "name": "Token",
      "type": "object",
      "description": "Secure representation of card data created by Stripe",
      "tags": [
        "security_token",
        "data_protection"
      ]
    },
    {
      "id": "ent_cc45f2ddc2c0",
      "name": "PaymentIntent",
      "type": "object",
      "description": "Stripe object that represents intention to collect payment from customer",
      "tags": [
        "stripe_object",
        "payment_workflow"
      ]
    },
    {
      "id": "ent_0f9cf84366f2",
      "name": "Authorization Request",
      "type": "object",
      "description": "Request sent to verify if payment can be processed",
      "tags": [
        "payment_message",
        "authorization"
      ]
    },
    {
      "id": "ent_316d46c8f20e",
      "name": "Webhook",
      "type": "system",
      "description": "HTTP callback mechanism for real-time notification delivery",
      "tags": [
        "notification",
        "integration",
        "callback"
      ]
    },
    {
      "id": "ent_5753d8201052",
      "name": "Order",
      "type": "object",
      "description": "Customer's purchase request that needs to be fulfilled",
      "tags": [
        "commerce",
        "fulfillment"
      ]
    },
    {
      "id": "ent_55feae02f275",
      "name": "Acquiring Bank",
      "type": "actor",
      "description": "Bank that processes payments on behalf of the merchant",
      "tags": [
        "bank",
        "financial_institution",
        "merchant_bank"
      ]
    },
    {
      "id": "ent_3283569d48c4",
      "name": "Merchant Bank Account",
      "type": "object",
      "description": "Bank account where merchant receives settled funds",
      "tags": [
        "bank_account",
        "settlement_destination"
      ]
    },
    {
      "id": "ent_af1644661905",
      "name": "Funds",
      "type": "resource",
      "description": "Money being transferred in the payment process",
      "tags": [
        "money",
        "settlement"
      ]
    },
    {
      "id": "ent_8e68389e2ce7",
      "name": "Transaction Fee",
      "type": "object",
      "description": "Cost charged by Stripe for successful payment processing",
      "properties": {
        "amount": "2.9% + 30 cents"
      },
      "tags": [
        "fee",
        "cost"
      ]
    },
    {
      "id": "ent_e1a243164210",
      "name": "Refund",
      "type": "event",
      "description": "Return of payment to customer within 120-day window",
      "tags": [
        "reversal",
        "customer_service"
      ]
    },
    {
      "id": "ent_1df4fdd36b81",
      "name": "Chargeback",
      "type": "event",
      "description": "Disputed transaction initiated by customer through their bank",
      "properties": {
        "fee": "$15"
      },
      "tags": [
        "dispute",
        "reversal"
      ]
    },
    {
      "id": "ent_d2d00ebaafa9",
      "name": "Evidence Submission Process",
      "type": "system",
      "description": "Formal process for resolving chargeback disputes",
      "tags": [
        "dispute_resolution",
        "process"
      ]
    },
    {
      "id": "ent_c4d559f5e367",
      "name": "Radar",
      "type": "system",
      "description": "Stripe's fraud detection system",
      "tags": [
        "fraud_detection",
        "security",
        "stripe_product"
      ]
    },
    {
      "id": "ent_584c934062f8",
      "name": "Subscription Billing",
      "type": "system",
      "description": "Stripe service for recurring payment management",
      "tags": [
        "recurring_payments",
        "stripe_product"
      ]
    },
    {
      "id": "ent_b8d2fc714976",
      "name": "Invoicing",
      "type": "system",
      "description": "Stripe service for creating and managing invoices",
      "tags": [
        "billing",
        "stripe_product"
      ]
    },
    {
      "id": "ent_5d44de35e8fc",
      "name": "Dashboard",
      "type": "system",
      "description": "Stripe's merchant interface for payment management",
      "tags": [
        "interface",
        "management_tool",
        "stripe_product"
      ]
    },
    {
      "id": "ent_42875fb2e310",
      "name": "Payment submission",
      "type": "object",
      "description": "Auto-created entity for unresolved reference: Payment submission",
      "tags": [
        "auto-created"
      ]
    },
    {
      "id": "ent_e7bd423577e5",
      "name": "Authorization response",
      "type": "object",
      "description": "Auto-created entity for unresolved reference: Authorization response",
      "tags": [
        "auto-created"
      ]
    },
    {
      "id": "ent_6af64e8eb566",
      "name": "Webhook notification",
      "type": "object",
      "description": "Auto-created entity for unresolved reference: Webhook notification",
      "tags": [
        "auto-created"
      ]
    },
    {
      "id": "ent_eaa34e60280d",
      "name": "Order fulfillment",
      "type": "object",
      "description": "Auto-created entity for unresolved reference: Order fulfillment",
      "tags": [
        "auto-created"
      ]
    },
    {
      "id": "ent_982ac0aff954",
      "name": "Authorized amount",
      "type": "object",
      "description": "Auto-created entity for unresolved reference: Authorized amount",
      "tags": [
        "auto-created"
      ]
    },
    {
      "id": "ent_5abfd35625a8",
      "name": "Funds to card network",
      "type": "object",
      "description": "Auto-created entity for unresolved reference: Funds to card network",
      "tags": [
        "auto-created"
      ]
    },
    {
      "id": "ent_8041c57d7277",
      "name": "Funds from issuing bank",
      "type": "object",
      "description": "Auto-created entity for unresolved reference: Funds from issuing bank",
      "tags": [
        "auto-created"
      ]
    },
    {
      "id": "ent_7835a7c8e919",
      "name": "Funds to acquiring bank",
      "type": "object",
      "description": "Auto-created entity for unresolved reference: Funds to acquiring bank",
      "tags": [
        "auto-created"
      ]
    },
    {
      "id": "ent_a70d066bb571",
      "name": "Funds from card network",
      "type": "object",
      "description": "Auto-created entity for unresolved reference: Funds from card network",
      "tags": [
        "auto-created"
      ]
    },
    {
      "id": "ent_1d1806a44e94",
      "name": "Funds to merchant account",
      "type": "object",
      "description": "Auto-created entity for unresolved reference: Funds to merchant account",
      "tags": [
        "auto-created"
      ]
    },
    {
      "id": "ent_256dc0494f58",
      "name": "Disputed transaction",
      "type": "object",
      "description": "Auto-created entity for unresolved reference: Disputed transaction",
      "tags": [
        "auto-created"
      ]
    },
    {
      "id": "ent_9b8355bd26a1",
      "name": "Chargeback claim",
      "type": "object",
      "description": "Auto-created entity for unresolved reference: Chargeback claim",
      "tags": [
        "auto-created"
      ]
    },
    {
      "id": "ent_5c32fa55593e",
      "name": "$15 fee to merchant",
      "type": "object",
      "description": "Auto-created entity for unresolved reference: $15 fee to merchant",
      "tags": [
        "auto-created"
      ]
    },
    {
      "id": "ent_7214d61c9594",
      "name": "Supporting evidence",
      "type": "object",
      "description": "Auto-created entity for unresolved reference: Supporting evidence",
      "tags": [
        "auto-created"
      ]
    },
    {
      "id": "ent_72d6d1ad247d",
      "name": "Resolution decision",
      "type": "object",
      "description": "Auto-created entity for unresolved reference: Resolution decision",
      "tags": [
        "auto-created"
      ]
    }
  ],
  "relations": [
    {
      "id": "rel_ae8fcf534a45",
      "type": "uses",
      "source": "ent_6ab410e6351f",
      "target": "ent_7d62785606ac",
      "label": "integrates for payment processing"
    },
    {
      "id": "rel_e7e3b0da5a0d",
      "type": "uses",
      "source": "ent_6ab410e6351f",
      "target": "ent_fc6f85de122d",
      "label": "operates"
    },
    {
      "id": "rel_4b54bc682991",
      "type": "uses",
      "source": "ent_6ab410e6351f",
      "target": "ent_48b1872a1208",
      "label": "operates"
    },
    {
      "id": "rel_a82fb5ae6eb8",
      "type": "contains",
      "source": "ent_fc6f85de122d",
      "target": "ent_295f7b39e561",
      "label": "includes"
    },
    {
      "id": "rel_7ceb60e7e1a9",
      "type": "contains",
      "source": "ent_48b1872a1208",
      "target": "ent_295f7b39e561",
      "label": "includes"
    },
    {
      "id": "rel_eb87e337f7c1",
      "type": "uses",
      "source": "ent_6d3b55c1e61e",
      "target": "ent_295f7b39e561",
      "label": "enters payment data on"
    },
    {
      "id": "rel_d2786005e36a",
      "type": "uses",
      "source": "ent_6d3b55c1e61e",
      "target": "ent_0dbb1a55057d",
      "label": "possesses"
    },
    {
      "id": "rel_c74decfe1f6f",
      "type": "contains",
      "source": "ent_0dbb1a55057d",
      "target": "ent_28cd535182d1",
      "label": "stores"
    },
    {
      "id": "rel_cbc5184bb571",
      "type": "flows_to",
      "source": "ent_28cd535182d1",
      "target": "ent_8d2509920463",
      "label": "transmitted through"
    },
    {
      "id": "rel_45d501d7bdce",
      "type": "communicates_with",
      "source": "ent_8d2509920463",
      "target": "ent_ac915346d4d9",
      "label": "routes payment data to"
    },
    {
      "id": "rel_d054acf79bde",
      "type": "communicates_with",
      "source": "ent_ac915346d4d9",
      "target": "ent_620517a5d077",
      "label": "forwards authorization request to"
    },
    {
      "id": "rel_e5564fb098c6",
      "type": "is_a",
      "source": "ent_6d11734749af",
      "target": "ent_ac915346d4d9",
      "label": "example of"
    },
    {
      "id": "rel_a1deb36e89db",
      "type": "is_a",
      "source": "ent_d48ffea7089b",
      "target": "ent_ac915346d4d9",
      "label": "example of"
    },
    {
      "id": "rel_cf2ba2c90107",
      "type": "produces",
      "source": "ent_620517a5d077",
      "target": "ent_0dbb1a55057d",
      "label": "issued"
    },
    {
      "id": "rel_e2ab949a01db",
      "type": "produces",
      "source": "ent_7d62785606ac",
      "target": "ent_c45a273a62a4",
      "label": "creates from card data"
    },
    {
      "id": "rel_5e94e7eccacf",
      "type": "produces",
      "source": "ent_7d62785606ac",
      "target": "ent_cc45f2ddc2c0",
      "label": "creates"
    },
    {
      "id": "rel_6783d43ff888",
      "type": "produces",
      "source": "ent_7d62785606ac",
      "target": "ent_0f9cf84366f2",
      "label": "generates"
    },
    {
      "id": "rel_2994c9882656",
      "type": "uses",
      "source": "ent_7d62785606ac",
      "target": "ent_316d46c8f20e",
      "label": "notifies merchant via"
    },
    {
      "id": "rel_b157f9d97fe2",
      "type": "communicates_with",
      "source": "ent_316d46c8f20e",
      "target": "ent_6ab410e6351f",
      "label": "delivers notifications to"
    },
    {
      "id": "rel_072c1cb29486",
      "type": "controls",
      "source": "ent_6ab410e6351f",
      "target": "ent_5753d8201052",
      "label": "fulfills"
    },
    {
      "id": "rel_3ce9eef570d3",
      "type": "communicates_with",
      "source": "ent_620517a5d077",
      "target": "ent_55feae02f275",
      "label": "transfers funds to"
    },
    {
      "id": "rel_857c3cad77b1",
      "type": "flows_to",
      "source": "ent_55feae02f275",
      "target": "ent_3283569d48c4",
      "label": "deposits funds to"
    },
    {
      "id": "rel_52c83727f642",
      "type": "flows_to",
      "source": "ent_af1644661905",
      "target": "ent_3283569d48c4",
      "label": "settles to"
    },
    {
      "id": "rel_092a5e49c4c5",
      "type": "produces",
      "source": "ent_7d62785606ac",
      "target": "ent_8e68389e2ce7",
      "label": "charges"
    },
    {
      "id": "rel_05eab2c3c75c",
      "type": "consumes",
      "source": "ent_6ab410e6351f",
      "target": "ent_8e68389e2ce7",
      "label": "pays"
    },
    {
      "id": "rel_2fc082c95661",
      "type": "controls",
      "source": "ent_6ab410e6351f",
      "target": "ent_e1a243164210",
      "label": "can issue"
    },
    {
      "id": "rel_1bdf95ffc886",
      "type": "triggers",
      "source": "ent_6d3b55c1e61e",
      "target": "ent_1df4fdd36b81",
      "label": "can initiate"
    },
    {
      "id": "rel_3039b4f2c0a3",
      "type": "triggers",
      "source": "ent_1df4fdd36b81",
      "target": "ent_d2d00ebaafa9",
      "label": "resolved through"
    },
    {
      "id": "rel_8808215ce5e5",
      "type": "contains",
      "source": "ent_7d62785606ac",
      "target": "ent_c4d559f5e367",
      "label": "provides"
    },
    {
      "id": "rel_8fc5518833a1",
      "type": "contains",
      "source": "ent_7d62785606ac",
      "target": "ent_584c934062f8",
      "label": "provides"
    },
    {
      "id": "rel_16d68e503c03",
      "type": "contains",
      "source": "ent_7d62785606ac",
      "target": "ent_b8d2fc714976",
      "label": "provides"
    },
    {
      "id": "rel_b24314a4e0cc",
      "type": "contains",
      "source": "ent_7d62785606ac",
      "target": "ent_5d44de35e8fc",
      "label": "provides"
    },
    {
      "id": "rel_64c12c2fca02",
      "type": "uses",
      "source": "ent_6ab410e6351f",
      "target": "ent_5d44de35e8fc",
      "label": "manages payments through"
    },
    {
      "id": "rel_ba8131faa5e5",
      "type": "enables",
      "source": "ent_c4d559f5e367",
      "target": "ent_6ab410e6351f",
      "label": "protects from fraud"
    }
  ],
  "processes": [
    {
      "id": "proc_7f66cd7b8b22",
      "name": "Payment Authorization Flow",
      "description": "Real-time process for authorizing customer payments",
      "trigger": "Customer submits payment details",
      "steps": [
        {
          "order": 1,
          "action": "Submit payment details",
          "actor": "ent_6d3b55c1e61e",
          "input": [
            "ent_28cd535182d1"
          ],
          "output": [
            "ent_42875fb2e310"
          ]
        },
        {
          "order": 2,
          "action": "Tokenize card data",
          "actor": "ent_7d62785606ac",
          "input": [
            "ent_28cd535182d1"
          ],
          "output": [
            "ent_c45a273a62a4"
          ]
        },
        {
          "order": 3,
          "action": "Create PaymentIntent",
          "actor": "ent_7d62785606ac",
          "input": [
            "ent_c45a273a62a4"
          ],
          "output": [
            "ent_cc45f2ddc2c0"
          ]
        },
        {
          "order": 4,
          "action": "Send authorization request",
          "actor": "ent_7d62785606ac",
          "input": [
            "ent_cc45f2ddc2c0"
          ],
          "output": [
            "ent_0f9cf84366f2"
          ]
        },
        {
          "order": 5,
          "action": "Approve or decline",
          "actor": "ent_620517a5d077",
          "input": [
            "ent_0f9cf84366f2"
          ],
          "output": [
            "ent_e7bd423577e5"
          ]
        },
        {
          "order": 6,
          "action": "Notify merchant",
          "actor": "ent_7d62785606ac",
          "input": [
            "ent_e7bd423577e5"
          ],
          "output": [
            "ent_6af64e8eb566"
          ]
        },
        {
          "order": 7,
          "action": "Fulfill order",
          "actor": "ent_6ab410e6351f",
          "input": [
            "ent_6af64e8eb566"
          ],
          "output": [
            "ent_eaa34e60280d"
          ]
        }
      ],
      "participants": [
        "ent_6d3b55c1e61e",
        "ent_7d62785606ac",
        "ent_ac915346d4d9",
        "ent_620517a5d077",
        "ent_6ab410e6351f"
      ],
      "outcomes": [
        "Successful payment or decline",
        "Order fulfillment or cancellation"
      ]
    },
    {
      "id": "proc_225273399cd8",
      "name": "Settlement Process",
      "description": "Transfer of funds from customer's bank to merchant's bank account",
      "trigger": "Successful payment authorization after 2 business days",
      "steps": [
        {
          "order": 1,
          "action": "Transfer funds",
          "actor": "ent_620517a5d077",
          "input": [
            "ent_982ac0aff954"
          ],
          "output": [
            "ent_5abfd35625a8"
          ]
        },
        {
          "order": 2,
          "action": "Route funds",
          "actor": "ent_ac915346d4d9",
          "input": [
            "ent_8041c57d7277"
          ],
          "output": [
            "ent_7835a7c8e919"
          ]
        },
        {
          "order": 3,
          "action": "Deposit funds",
          "actor": "ent_55feae02f275",
          "input": [
            "ent_a70d066bb571"
          ],
          "output": [
            "ent_1d1806a44e94"
          ]
        }
      ],
      "participants": [
        "ent_620517a5d077",
        "ent_ac915346d4d9",
        "ent_55feae02f275",
        "ent_6ab410e6351f"
      ],
      "outcomes": [
        "Merchant receives payment funds"
      ]
    },
    {
      "id": "proc_f169636b54bf",
      "name": "Chargeback Resolution Process",
      "description": "Process for handling disputed transactions",
      "trigger": "Customer initiates chargeback dispute",
      "steps": [
        {
          "order": 1,
          "action": "Initiate chargeback",
          "actor": "ent_6d3b55c1e61e",
          "input": [
            "ent_256dc0494f58"
          ],
          "output": [
            "ent_9b8355bd26a1"
          ]
        },
        {
          "order": 2,
          "action": "Charge dispute fee",
          "actor": "ent_7d62785606ac",
          "input": [
            "ent_9b8355bd26a1"
          ],
          "output": [
            "ent_5c32fa55593e"
          ]
        },
        {
          "order": 3,
          "action": "Submit evidence",
          "actor": "ent_6ab410e6351f",
          "input": [
            "ent_9b8355bd26a1"
          ],
          "output": [
            "ent_7214d61c9594"
          ]
        },
        {
          "order": 4,
          "action": "Review evidence",
          "actor": "ent_d2d00ebaafa9",
          "input": [
            "ent_7214d61c9594"
          ],
          "output": [
            "ent_72d6d1ad247d"
          ]
        }
      ],
      "participants": [
        "ent_6d3b55c1e61e",
        "ent_7d62785606ac",
        "ent_6ab410e6351f",
        "ent_d2d00ebaafa9"
      ],
      "outcomes": [
        "Chargeback upheld or overturned"
      ]
    }
  ],
  "constraints": [
    {
      "id": "cstr_3606ec792c90",
      "name": "Transaction Fee Structure",
      "type": "rule",
      "description": "Stripe charges 2.9% + 30 cents per successful transaction only",
      "scope": [
        "ent_7d62785606ac",
        "ent_6ab410e6351f",
        "ent_8e68389e2ce7"
      ],
      "severity": "hard"
    },
    {
      "id": "cstr_9cb034923bfb",
      "name": "Failed Transaction No Charge",
      "type": "rule",
      "description": "Failed transactions are not charged any fees",
      "scope": [
        "ent_7d62785606ac",
        "ent_8e68389e2ce7"
      ],
      "severity": "hard"
    },
    {
      "id": "cstr_2043114bb314",
      "name": "Refund Time Limit",
      "type": "temporal",
      "description": "Merchants can only issue refunds within 120 days of transaction",
      "scope": [
        "ent_6ab410e6351f",
        "ent_e1a243164210"
      ],
      "severity": "hard"
    },
    {
      "id": "cstr_3f2e23fc06d3",
      "name": "Settlement Timing",
      "type": "temporal",
      "description": "Settlement occurs 2 business days after authorization",
      "scope": [
        "ent_af1644661905",
        "ent_3283569d48c4"
      ],
      "severity": "hard"
    },
    {
      "id": "cstr_4a3093af78d8",
      "name": "Chargeback Fee",
      "type": "rule",
      "description": "Disputed transactions automatically incur $15 fee",
      "scope": [
        "ent_1df4fdd36b81",
        "ent_6ab410e6351f"
      ],
      "severity": "hard"
    },
    {
      "id": "cstr_cd619342d79d",
      "name": "Authorization Dependency",
      "type": "dependency",
      "description": "Payment processing requires issuing bank authorization",
      "scope": [
        "ent_7d62785606ac",
        "ent_620517a5d077",
        "ent_cc45f2ddc2c0"
      ],
      "severity": "hard"
    }
  ],
  "metadata": {
    "source_type": "text",
    "source_summary": "Description of Stripe payment platform covering merchant integration, payment flow, settlement timing, fee structure, dispute handling, and additional services like fraud detection and subscription billing",
    "confidence": 0.95,
    "extraction_notes": [
      "Inferred acquiring bank as necessary entity for settlement flow",
      "Extracted implicit webhook system for merchant notifications",
      "Identified card networks as intermediary systems between Stripe and issuing banks",
      "Modeled tokenization as security mechanism for card data protection",
      "Included all Stripe ancillary services mentioned (Radar, subscriptions, invoicing, dashboard)"
    ]
  }
}