{
  "id": "wm_d3da71bf414b",
  "name": "Stripe Payment Processing Ecosystem",
  "description": "Complete payment processing system including actors, flows, and business rules for online payment acceptance and settlement",
  "version": "0.1.0",
  "created_at": "2026-04-08T07:47:13.055Z",
  "entities": [
    {
      "id": "ent_be7b5f9b6755",
      "name": "Stripe",
      "type": "system",
      "description": "Payment processing platform that handles transactions between merchants and customers",
      "properties": {
        "fee_percentage": 2.9,
        "fee_fixed": 30,
        "chargeback_fee": 15,
        "refund_window_days": 120,
        "settlement_days": 2
      },
      "tags": [
        "payment",
        "platform",
        "fintech"
      ]
    },
    {
      "id": "ent_4ea553329c22",
      "name": "Merchant",
      "type": "actor",
      "description": "Business entity that sells products/services and accepts payments through Stripe",
      "properties": {},
      "tags": [
        "business",
        "seller"
      ]
    },
    {
      "id": "ent_9d136597e6c5",
      "name": "Customer",
      "type": "actor",
      "description": "End user who makes purchases and provides payment information",
      "properties": {},
      "tags": [
        "buyer",
        "consumer"
      ]
    },
    {
      "id": "ent_6bcf2282dd1c",
      "name": "Credit Card",
      "type": "object",
      "description": "Payment instrument containing customer payment data",
      "properties": {},
      "tags": [
        "payment",
        "card"
      ]
    },
    {
      "id": "ent_caeb3abb9daa",
      "name": "Website",
      "type": "system",
      "description": "Merchant's online platform where customers make purchases",
      "properties": {},
      "tags": [
        "ecommerce",
        "platform"
      ]
    },
    {
      "id": "ent_4bcafb723f4c",
      "name": "App",
      "type": "system",
      "description": "Merchant's mobile application where customers make purchases",
      "properties": {},
      "tags": [
        "mobile",
        "application"
      ]
    },
    {
      "id": "ent_819b8f4ae7a1",
      "name": "Checkout Page",
      "type": "object",
      "description": "Web page where customers enter payment information",
      "properties": {},
      "tags": [
        "ui",
        "payment"
      ]
    },
    {
      "id": "ent_c956b2cceb1e",
      "name": "Stripe API",
      "type": "system",
      "description": "Application programming interface for Stripe's payment processing services",
      "properties": {},
      "tags": [
        "api",
        "interface"
      ]
    },
    {
      "id": "ent_e8ea9fbd99c6",
      "name": "Card Network",
      "type": "system",
      "description": "Payment network that routes transactions between banks",
      "properties": {},
      "tags": [
        "network",
        "payment"
      ]
    },
    {
      "id": "ent_5b13bebf3a74",
      "name": "Visa",
      "type": "system",
      "description": "Major credit card network",
      "properties": {},
      "tags": [
        "network",
        "card"
      ]
    },
    {
      "id": "ent_2a6b428e0aad",
      "name": "Mastercard",
      "type": "system",
      "description": "Major credit card network",
      "properties": {},
      "tags": [
        "network",
        "card"
      ]
    },
    {
      "id": "ent_dcdb3c0337c8",
      "name": "Issuing Bank",
      "type": "system",
      "description": "Bank that issued the customer's credit card and authorizes transactions",
      "properties": {},
      "tags": [
        "bank",
        "issuer"
      ]
    },
    {
      "id": "ent_0bcfa9592426",
      "name": "Acquiring Bank",
      "type": "system",
      "description": "Bank that processes payments for the merchant",
      "properties": {},
      "tags": [
        "bank",
        "acquirer"
      ]
    },
    {
      "id": "ent_da6399a0265a",
      "name": "Merchant Bank Account",
      "type": "object",
      "description": "Bank account where merchant receives settled funds",
      "properties": {},
      "tags": [
        "account",
        "settlement"
      ]
    },
    {
      "id": "ent_9df11928157f",
      "name": "Payment Data",
      "type": "object",
      "description": "Customer's credit card information and transaction details",
      "properties": {},
      "tags": [
        "data",
        "sensitive"
      ]
    },
    {
      "id": "ent_91313b1c7a1f",
      "name": "PaymentIntent",
      "type": "object",
      "description": "Stripe object representing a payment to be processed",
      "properties": {},
      "tags": [
        "stripe",
        "object"
      ]
    },
    {
      "id": "ent_f6f611b64fdc",
      "name": "Token",
      "type": "object",
      "description": "Secure representation of credit card data",
      "properties": {},
      "tags": [
        "security",
        "token"
      ]
    },
    {
      "id": "ent_e50dfb33d6ff",
      "name": "Authorization Request",
      "type": "object",
      "description": "Request sent to verify and approve a payment",
      "properties": {},
      "tags": [
        "request",
        "authorization"
      ]
    },
    {
      "id": "ent_dc02b9ebdcae",
      "name": "Webhook",
      "type": "system",
      "description": "HTTP callback used to notify merchants of payment events",
      "properties": {},
      "tags": [
        "notification",
        "callback"
      ]
    },
    {
      "id": "ent_0066401ae7bd",
      "name": "Transaction",
      "type": "object",
      "description": "Individual payment processed through the system",
      "properties": {},
      "tags": [
        "payment",
        "record"
      ]
    },
    {
      "id": "ent_5ca1bd75f3e2",
      "name": "Refund",
      "type": "object",
      "description": "Return of payment to customer",
      "properties": {},
      "tags": [
        "reversal",
        "payment"
      ]
    },
    {
      "id": "ent_535680ff2acf",
      "name": "Chargeback",
      "type": "object",
      "description": "Disputed transaction initiated by customer through their bank",
      "properties": {},
      "tags": [
        "dispute",
        "reversal"
      ]
    },
    {
      "id": "ent_9e29baf6fcc5",
      "name": "Radar",
      "type": "system",
      "description": "Stripe's fraud detection system",
      "properties": {},
      "tags": [
        "fraud",
        "detection",
        "security"
      ]
    },
    {
      "id": "ent_92145ac01ded",
      "name": "Subscription Billing",
      "type": "system",
      "description": "Stripe service for recurring payment management",
      "properties": {},
      "tags": [
        "recurring",
        "billing"
      ]
    },
    {
      "id": "ent_453f182909b7",
      "name": "Invoicing",
      "type": "system",
      "description": "Stripe service for creating and managing invoices",
      "properties": {},
      "tags": [
        "billing",
        "invoice"
      ]
    },
    {
      "id": "ent_e998781e3beb",
      "name": "Dashboard",
      "type": "system",
      "description": "Stripe's web interface for merchants to manage payments",
      "properties": {},
      "tags": [
        "ui",
        "management"
      ]
    },
    {
      "id": "ent_4b774eb4b8ad",
      "name": "Settlement",
      "type": "object",
      "description": "Transfer of funds from issuing bank to merchant account",
      "properties": {
        "timing": "2 business days"
      },
      "tags": [
        "funds",
        "transfer"
      ]
    },
    {
      "id": "ent_dc2e08cff4bd",
      "name": "Evidence Submission Process",
      "type": "object",
      "description": "Process for resolving chargeback disputes",
      "properties": {},
      "tags": [
        "dispute",
        "resolution"
      ]
    },
    {
      "id": "ent_0a18cc35dfcf",
      "name": "Order",
      "type": "object",
      "description": "Customer's purchase that needs to be fulfilled after payment",
      "properties": {},
      "tags": [
        "fulfillment",
        "purchase"
      ]
    }
  ],
  "relations": [
    {
      "id": "rel_b7f967e0e8e3",
      "type": "uses",
      "source": "ent_4ea553329c22",
      "target": "ent_be7b5f9b6755",
      "label": "integrates payment processing",
      "bidirectional": false
    },
    {
      "id": "rel_302afe914ecf",
      "type": "has",
      "source": "ent_4ea553329c22",
      "target": "ent_caeb3abb9daa",
      "label": "owns",
      "bidirectional": false
    },
    {
      "id": "rel_e6a10378c172",
      "type": "has",
      "source": "ent_4ea553329c22",
      "target": "ent_4bcafb723f4c",
      "label": "owns",
      "bidirectional": false
    },
    {
      "id": "rel_05b2ffa38a5e",
      "type": "contains",
      "source": "ent_caeb3abb9daa",
      "target": "ent_819b8f4ae7a1",
      "label": "includes",
      "bidirectional": false
    },
    {
      "id": "rel_1d689e27692b",
      "type": "contains",
      "source": "ent_4bcafb723f4c",
      "target": "ent_819b8f4ae7a1",
      "label": "includes",
      "bidirectional": false
    },
    {
      "id": "rel_4e2b3d762687",
      "type": "has",
      "source": "ent_9d136597e6c5",
      "target": "ent_6bcf2282dd1c",
      "label": "owns",
      "bidirectional": false
    },
    {
      "id": "rel_42527dccd5a3",
      "type": "uses",
      "source": "ent_9d136597e6c5",
      "target": "ent_819b8f4ae7a1",
      "label": "enters payment on",
      "bidirectional": false
    },
    {
      "id": "rel_a05564c1ea48",
      "type": "flows_to",
      "source": "ent_9df11928157f",
      "target": "ent_c956b2cceb1e",
      "label": "transmitted to",
      "bidirectional": false
    },
    {
      "id": "rel_c8e33a7599fa",
      "type": "communicates_with",
      "source": "ent_c956b2cceb1e",
      "target": "ent_e8ea9fbd99c6",
      "label": "sends requests to",
      "bidirectional": false
    },
    {
      "id": "rel_7a320f8f1d3a",
      "type": "communicates_with",
      "source": "ent_e8ea9fbd99c6",
      "target": "ent_dcdb3c0337c8",
      "label": "routes to",
      "bidirectional": false
    },
    {
      "id": "rel_64be6afde298",
      "type": "is_a",
      "source": "ent_5b13bebf3a74",
      "target": "ent_e8ea9fbd99c6",
      "label": "type of",
      "bidirectional": false
    },
    {
      "id": "rel_6e7286b1d208",
      "type": "is_a",
      "source": "ent_2a6b428e0aad",
      "target": "ent_e8ea9fbd99c6",
      "label": "type of",
      "bidirectional": false
    },
    {
      "id": "rel_eea999fe09fc",
      "type": "produces",
      "source": "ent_dcdb3c0337c8",
      "target": "ent_6bcf2282dd1c",
      "label": "issued",
      "bidirectional": false
    },
    {
      "id": "rel_1c0092f0af9b",
      "type": "communicates_with",
      "source": "ent_be7b5f9b6755",
      "target": "ent_4ea553329c22",
      "label": "notifies via webhook",
      "bidirectional": false
    },
    {
      "id": "rel_887188e2f70f",
      "type": "produces",
      "source": "ent_be7b5f9b6755",
      "target": "ent_f6f611b64fdc",
      "label": "creates",
      "bidirectional": false
    },
    {
      "id": "rel_8e956ee12b7a",
      "type": "produces",
      "source": "ent_be7b5f9b6755",
      "target": "ent_91313b1c7a1f",
      "label": "creates",
      "bidirectional": false
    },
    {
      "id": "rel_ab9bfa2e6d71",
      "type": "flows_to",
      "source": "ent_4b774eb4b8ad",
      "target": "ent_0bcfa9592426",
      "label": "funds transfer to",
      "bidirectional": false
    },
    {
      "id": "rel_90b99a6dabe4",
      "type": "flows_to",
      "source": "ent_0bcfa9592426",
      "target": "ent_da6399a0265a",
      "label": "deposits to",
      "bidirectional": false
    },
    {
      "id": "rel_68259ec9156e",
      "type": "contains",
      "source": "ent_be7b5f9b6755",
      "target": "ent_9e29baf6fcc5",
      "label": "provides",
      "bidirectional": false
    },
    {
      "id": "rel_81696e86518a",
      "type": "contains",
      "source": "ent_be7b5f9b6755",
      "target": "ent_92145ac01ded",
      "label": "provides",
      "bidirectional": false
    },
    {
      "id": "rel_3011d9b0151e",
      "type": "contains",
      "source": "ent_be7b5f9b6755",
      "target": "ent_453f182909b7",
      "label": "provides",
      "bidirectional": false
    },
    {
      "id": "rel_d1b6ee5ebd8c",
      "type": "contains",
      "source": "ent_be7b5f9b6755",
      "target": "ent_e998781e3beb",
      "label": "provides",
      "bidirectional": false
    },
    {
      "id": "rel_fb49405ec757",
      "type": "uses",
      "source": "ent_4ea553329c22",
      "target": "ent_e998781e3beb",
      "label": "manages payments through",
      "bidirectional": false
    },
    {
      "id": "rel_ad5232079f46",
      "type": "triggers",
      "source": "ent_535680ff2acf",
      "target": "ent_dc2e08cff4bd",
      "label": "initiates",
      "bidirectional": false
    },
    {
      "id": "rel_0b489bd02a77",
      "type": "produces",
      "source": "ent_4ea553329c22",
      "target": "ent_0a18cc35dfcf",
      "label": "fulfills",
      "bidirectional": false
    },
    {
      "id": "rel_72a15e5aacf7",
      "type": "triggers",
      "source": "ent_9d136597e6c5",
      "target": "ent_0a18cc35dfcf",
      "label": "places",
      "bidirectional": false
    },
    {
      "id": "rel_dc77f874e4ea",
      "type": "produces",
      "source": "ent_4ea553329c22",
      "target": "ent_5ca1bd75f3e2",
      "label": "can issue",
      "bidirectional": false
    },
    {
      "id": "rel_1efcdb90e46d",
      "type": "triggers",
      "source": "ent_9d136597e6c5",
      "target": "ent_535680ff2acf",
      "label": "can initiate",
      "bidirectional": false
    }
  ],
  "processes": [
    {
      "id": "proc_bbbedbac4457",
      "name": "Payment Processing Flow",
      "description": "Complete flow from customer payment submission to merchant notification",
      "trigger": "Customer submits payment details on checkout page",
      "steps": [
        {
          "order": 1,
          "action": "submit payment details",
          "actor": "ent_9d136597e6c5",
          "input": [
            "ent_6bcf2282dd1c"
          ],
          "output": [
            "ent_9df11928157f"
          ]
        },
        {
          "order": 2,
          "action": "tokenize card data",
          "actor": "ent_be7b5f9b6755",
          "input": [
            "ent_9df11928157f"
          ],
          "output": [
            "ent_f6f611b64fdc"
          ]
        },
        {
          "order": 3,
          "action": "create PaymentIntent",
          "actor": "ent_be7b5f9b6755",
          "input": [
            "ent_f6f611b64fdc"
          ],
          "output": [
            "ent_91313b1c7a1f"
          ]
        },
        {
          "order": 4,
          "action": "send authorization request",
          "actor": "ent_be7b5f9b6755",
          "input": [
            "ent_91313b1c7a1f"
          ],
          "output": [
            "ent_e50dfb33d6ff"
          ]
        },
        {
          "order": 5,
          "action": "approve or decline",
          "actor": "ent_dcdb3c0337c8",
          "input": [
            "ent_e50dfb33d6ff"
          ],
          "output": [
            "ent_0066401ae7bd"
          ]
        },
        {
          "order": 6,
          "action": "notify merchant",
          "actor": "ent_be7b5f9b6755",
          "input": [
            "ent_0066401ae7bd"
          ],
          "output": [
            "ent_dc02b9ebdcae"
          ]
        },
        {
          "order": 7,
          "action": "fulfill order",
          "actor": "ent_4ea553329c22",
          "input": [
            "ent_dc02b9ebdcae"
          ],
          "output": [
            "ent_0a18cc35dfcf"
          ]
        }
      ],
      "participants": [
        "ent_9d136597e6c5",
        "ent_be7b5f9b6755",
        "ent_e8ea9fbd99c6",
        "ent_dcdb3c0337c8",
        "ent_4ea553329c22"
      ],
      "outcomes": [
        "successful payment",
        "failed payment"
      ]
    },
    {
      "id": "proc_46e5d672ad63",
      "name": "Settlement Process",
      "description": "Transfer of funds from issuing bank to merchant account",
      "trigger": "Successful transaction completion",
      "steps": [
        {
          "order": 1,
          "action": "initiate settlement",
          "actor": "ent_be7b5f9b6755",
          "input": [
            "ent_0066401ae7bd"
          ],
          "output": [
            "ent_4b774eb4b8ad"
          ]
        },
        {
          "order": 2,
          "action": "transfer funds",
          "actor": "ent_dcdb3c0337c8",
          "input": [
            "ent_4b774eb4b8ad"
          ],
          "output": [
            "ent_4b774eb4b8ad"
          ]
        },
        {
          "order": 3,
          "action": "route through network",
          "actor": "ent_e8ea9fbd99c6",
          "input": [
            "ent_4b774eb4b8ad"
          ],
          "output": [
            "ent_4b774eb4b8ad"
          ]
        },
        {
          "order": 4,
          "action": "receive funds",
          "actor": "ent_0bcfa9592426",
          "input": [
            "ent_4b774eb4b8ad"
          ],
          "output": [
            "ent_4b774eb4b8ad"
          ]
        },
        {
          "order": 5,
          "action": "deposit to merchant account",
          "actor": "ent_0bcfa9592426",
          "input": [
            "ent_4b774eb4b8ad"
          ],
          "output": [
            "ent_da6399a0265a"
          ]
        }
      ],
      "participants": [
        "ent_be7b5f9b6755",
        "ent_dcdb3c0337c8",
        "ent_e8ea9fbd99c6",
        "ent_0bcfa9592426",
        "ent_4ea553329c22"
      ],
      "outcomes": [
        "funds available in merchant account"
      ]
    },
    {
      "id": "proc_09d400f60f67",
      "name": "Chargeback Resolution",
      "description": "Process for handling disputed transactions",
      "trigger": "Customer initiates chargeback through issuing bank",
      "steps": [
        {
          "order": 1,
          "action": "initiate chargeback",
          "actor": "ent_9d136597e6c5",
          "input": [
            "ent_0066401ae7bd"
          ],
          "output": [
            "ent_535680ff2acf"
          ]
        },
        {
          "order": 2,
          "action": "notify merchant",
          "actor": "ent_be7b5f9b6755",
          "input": [
            "ent_535680ff2acf"
          ],
          "output": [
            "ent_dc02b9ebdcae"
          ]
        },
        {
          "order": 3,
          "action": "submit evidence",
          "actor": "ent_4ea553329c22",
          "input": [
            "ent_535680ff2acf"
          ],
          "output": [
            "ent_dc2e08cff4bd"
          ]
        },
        {
          "order": 4,
          "action": "review evidence",
          "actor": "ent_dcdb3c0337c8",
          "input": [
            "ent_dc2e08cff4bd"
          ],
          "output": [
            "ent_0066401ae7bd"
          ]
        }
      ],
      "participants": [
        "ent_9d136597e6c5",
        "ent_dcdb3c0337c8",
        "ent_be7b5f9b6755",
        "ent_4ea553329c22"
      ],
      "outcomes": [
        "chargeback upheld",
        "chargeback reversed",
        "15 dollar fee charged"
      ]
    }
  ],
  "constraints": [
    {
      "id": "cstr_0aef2e3fd091",
      "name": "Transaction Fee Structure",
      "type": "rule",
      "description": "Merchants pay 2.9% + 30 cents per successful transaction",
      "scope": [
        "ent_be7b5f9b6755",
        "ent_4ea553329c22",
        "ent_0066401ae7bd"
      ],
      "severity": "hard"
    },
    {
      "id": "cstr_b4448af1105e",
      "name": "No Fee on Failed Transactions",
      "type": "rule",
      "description": "Failed transactions are not charged fees",
      "scope": [
        "ent_be7b5f9b6755",
        "ent_4ea553329c22",
        "ent_0066401ae7bd"
      ],
      "severity": "hard"
    },
    {
      "id": "cstr_3caa9c1f5784",
      "name": "Refund Time Limit",
      "type": "temporal",
      "description": "Refunds can only be issued within 120 days",
      "scope": [
        "ent_4ea553329c22",
        "ent_5ca1bd75f3e2"
      ],
      "severity": "hard"
    },
    {
      "id": "cstr_b594dd60d15e",
      "name": "Settlement Timing",
      "type": "temporal",
      "description": "Settlement occurs 2 business days after transaction",
      "scope": [
        "ent_4b774eb4b8ad",
        "ent_0066401ae7bd"
      ],
      "severity": "hard"
    },
    {
      "id": "cstr_7644b9001805",
      "name": "Chargeback Fee",
      "type": "rule",
      "description": "Disputed transactions incur a $15 fee",
      "scope": [
        "ent_535680ff2acf",
        "ent_4ea553329c22"
      ],
      "severity": "hard"
    },
    {
      "id": "cstr_353419fca55d",
      "name": "Payment Data Security",
      "type": "boundary",
      "description": "Payment data must be tokenized for security",
      "scope": [
        "ent_9df11928157f",
        "ent_f6f611b64fdc",
        "ent_be7b5f9b6755"
      ],
      "severity": "hard"
    },
    {
      "id": "cstr_9ab843c6760f",
      "name": "Authorization Required",
      "type": "dependency",
      "description": "All transactions require issuing bank authorization",
      "scope": [
        "ent_0066401ae7bd",
        "ent_dcdb3c0337c8"
      ],
      "severity": "hard"
    }
  ],
  "metadata": {
    "source_type": "text",
    "source_summary": "Description of Stripe payment platform covering merchant integration, payment flow, settlement, fees, refunds, chargebacks, and additional services",
    "confidence": 0.9,
    "extraction_notes": [
      "Inferred implicit entities like banks and networks",
      "Extracted temporal constraints from business rules",
      "Identified complete payment flow with all participants"
    ]
  }
}