{
  "id": "wm_5d76baac29ca",
  "name": "Stripe Payment Processing Ecosystem",
  "description": "Complete model of Stripe's payment processing platform including merchants, customers, banks, and card networks with their interactions, processes, and constraints",
  "version": "0.1.0",
  "created_at": "2026-04-08T07:48:35.670Z",
  "entities": [
    {
      "id": "ent_10b32a39fb2a",
      "name": "Stripe",
      "type": "system",
      "description": "Auto-created entity for unresolved reference: Stripe",
      "properties": {
        "fee_percentage": "2.9%",
        "fee_fixed": "$0.30",
        "chargeback_fee": "$15",
        "settlement_days": 2
      },
      "tags": [
        "payment processor",
        "platform",
        "auto-created"
      ]
    },
    {
      "id": "ent_6b063abec57f",
      "name": "Merchant",
      "type": "actor",
      "description": "Business entity that sells goods/services and accepts payments",
      "properties": {},
      "tags": [
        "business",
        "seller",
        "auto-created"
      ]
    },
    {
      "id": "ent_c0f90af41daf",
      "name": "Customer",
      "type": "actor",
      "description": "Person making a purchase and payment",
      "properties": {},
      "tags": [
        "buyer",
        "consumer"
      ]
    },
    {
      "id": "ent_13ad07fdbe4b",
      "name": "Website",
      "type": "system",
      "description": "Merchant's web platform",
      "properties": {},
      "tags": [
        "web",
        "platform"
      ]
    },
    {
      "id": "ent_d907ba579b1e",
      "name": "App",
      "type": "system",
      "description": "Merchant's mobile application",
      "properties": {},
      "tags": [
        "mobile",
        "application"
      ]
    },
    {
      "id": "ent_503c47c1f7a2",
      "name": "Checkout Page",
      "type": "object",
      "description": "Web page where customer enters payment details",
      "properties": {},
      "tags": [
        "interface",
        "payment"
      ]
    },
    {
      "id": "ent_e5a121b0966a",
      "name": "Credit Card",
      "type": "object",
      "description": "Payment method used by customer",
      "properties": {},
      "tags": [
        "payment method",
        "card"
      ]
    },
    {
      "id": "ent_3e4cfb6d444b",
      "name": "Payment Data",
      "type": "resource",
      "description": "Auto-created entity for unresolved reference: Payment Data",
      "properties": {},
      "tags": [
        "data",
        "sensitive",
        "auto-created"
      ]
    },
    {
      "id": "ent_c4e13fec7ee4",
      "name": "Stripe API",
      "type": "system",
      "description": "Auto-created entity for unresolved reference: Stripe API",
      "properties": {},
      "tags": [
        "API",
        "interface",
        "auto-created"
      ]
    },
    {
      "id": "ent_d6044e51b2b3",
      "name": "Card Network",
      "type": "system",
      "description": "Auto-created entity for unresolved reference: Card Network",
      "properties": {},
      "tags": [
        "network",
        "payment infrastructure",
        "auto-created"
      ]
    },
    {
      "id": "ent_ac93f8543c93",
      "name": "Visa",
      "type": "system",
      "description": "Credit card network",
      "properties": {},
      "tags": [
        "card network",
        "payment"
      ]
    },
    {
      "id": "ent_45306ec7f48f",
      "name": "Mastercard",
      "type": "system",
      "description": "Credit card network",
      "properties": {},
      "tags": [
        "card network",
        "payment"
      ]
    },
    {
      "id": "ent_ccfdc1605fff",
      "name": "Issuing Bank",
      "type": "actor",
      "description": "Auto-created entity for unresolved reference: Issuing Bank",
      "properties": {},
      "tags": [
        "bank",
        "financial institution",
        "auto-created"
      ]
    },
    {
      "id": "ent_ff92fd56d2bb",
      "name": "Acquiring Bank",
      "type": "actor",
      "description": "Bank that processes payments for the merchant",
      "properties": {},
      "tags": [
        "bank",
        "financial institution"
      ]
    },
    {
      "id": "ent_f6523c7007b5",
      "name": "Merchant Bank Account",
      "type": "object",
      "description": "Bank account where merchant receives payments",
      "properties": {},
      "tags": [
        "account",
        "financial"
      ]
    },
    {
      "id": "ent_6a92eab33a9c",
      "name": "PaymentIntent",
      "type": "object",
      "description": "Stripe object representing a payment attempt",
      "properties": {},
      "tags": [
        "stripe object",
        "payment"
      ]
    },
    {
      "id": "ent_1c78a3f02b4d",
      "name": "Authorization Request",
      "type": "object",
      "description": "Request to approve a payment",
      "properties": {},
      "tags": [
        "request",
        "authorization"
      ]
    },
    {
      "id": "ent_d50371344487",
      "name": "Webhook",
      "type": "system",
      "description": "HTTP callback mechanism for notifications",
      "properties": {},
      "tags": [
        "notification",
        "API"
      ]
    },
    {
      "id": "ent_19841c2a0a95",
      "name": "Transaction Fee",
      "type": "resource",
      "description": "Fee charged by Stripe per transaction",
      "properties": {
        "amount": "2.9% + $0.30"
      },
      "tags": [
        "fee",
        "cost"
      ]
    },
    {
      "id": "ent_dc3dd7c9c29b",
      "name": "Refund",
      "type": "event",
      "description": "Reversal of a payment",
      "properties": {
        "time_limit": "120 days"
      },
      "tags": [
        "reversal",
        "payment"
      ]
    },
    {
      "id": "ent_3fb3f10f6008",
      "name": "Chargeback",
      "type": "event",
      "description": "Disputed transaction initiated by customer",
      "properties": {
        "fee": "$15"
      },
      "tags": [
        "dispute",
        "reversal"
      ]
    },
    {
      "id": "ent_8f9bd7640a1a",
      "name": "Radar",
      "type": "system",
      "description": "Stripe's fraud detection system",
      "properties": {},
      "tags": [
        "fraud detection",
        "security"
      ]
    },
    {
      "id": "ent_1448feed33a0",
      "name": "Subscription Billing",
      "type": "system",
      "description": "Recurring payment management system",
      "properties": {},
      "tags": [
        "billing",
        "recurring"
      ]
    },
    {
      "id": "ent_7ca60444a9e9",
      "name": "Invoicing",
      "type": "system",
      "description": "Invoice generation and management system",
      "properties": {},
      "tags": [
        "billing",
        "invoices"
      ]
    },
    {
      "id": "ent_71bfe72c038a",
      "name": "Dashboard",
      "type": "system",
      "description": "Interface for merchants to manage payments",
      "properties": {},
      "tags": [
        "interface",
        "management"
      ]
    },
    {
      "id": "ent_7d69eeba15fa",
      "name": "Token",
      "type": "object",
      "description": "Auto-created entity for unresolved reference: Token",
      "properties": {},
      "tags": [
        "security",
        "tokenization",
        "auto-created"
      ]
    },
    {
      "id": "ent_d5dd835acc28",
      "name": "Settlement",
      "type": "event",
      "description": "Transfer of funds to merchant",
      "properties": {
        "timing": "2 business days"
      },
      "tags": [
        "funds transfer",
        "payment"
      ]
    },
    {
      "id": "ent_8ad59bc81dec",
      "name": "Order",
      "type": "object",
      "description": "Customer's purchase order",
      "properties": {},
      "tags": [
        "purchase",
        "commerce"
      ]
    },
    {
      "id": "ent_2214c08a257f",
      "name": "Evidence Submission Process",
      "type": "system",
      "description": "Process for resolving chargebacks",
      "properties": {},
      "tags": [
        "dispute resolution",
        "process"
      ]
    },
    {
      "id": "ent_0a8a580e3d13",
      "name": "Authorization Response",
      "type": "object",
      "description": "Auto-created entity for unresolved reference: Authorization Response",
      "tags": [
        "auto-created"
      ]
    },
    {
      "id": "ent_e5e283af145c",
      "name": "Funds",
      "type": "object",
      "description": "Auto-created entity for unresolved reference: Funds",
      "tags": [
        "auto-created"
      ]
    },
    {
      "id": "ent_112fa11a2f11",
      "name": "Payment",
      "type": "object",
      "description": "Auto-created entity for unresolved reference: Payment",
      "tags": [
        "auto-created"
      ]
    },
    {
      "id": "ent_0137588d12bb",
      "name": "Refund Request",
      "type": "object",
      "description": "Auto-created entity for unresolved reference: Refund Request",
      "tags": [
        "auto-created"
      ]
    },
    {
      "id": "ent_ea65e2213125",
      "name": "Transaction",
      "type": "object",
      "description": "Auto-created entity for unresolved reference: Transaction",
      "tags": [
        "auto-created"
      ]
    },
    {
      "id": "ent_2ab2b0fc253d",
      "name": "Chargeback Notification",
      "type": "object",
      "description": "Auto-created entity for unresolved reference: Chargeback Notification",
      "tags": [
        "auto-created"
      ]
    },
    {
      "id": "ent_26f545db9ffa",
      "name": "Evidence",
      "type": "object",
      "description": "Auto-created entity for unresolved reference: Evidence",
      "tags": [
        "auto-created"
      ]
    },
    {
      "id": "ent_b3501b78b7c8",
      "name": "Evidence Submission",
      "type": "object",
      "description": "Auto-created entity for unresolved reference: Evidence Submission",
      "tags": [
        "auto-created"
      ]
    },
    {
      "id": "ent_3ce5d8791bca",
      "name": "Resolution",
      "type": "object",
      "description": "Auto-created entity for unresolved reference: Resolution",
      "tags": [
        "auto-created"
      ]
    },
    {
      "id": "ent_112884a0939a",
      "name": "Payment Processing",
      "type": "object",
      "description": "Auto-created entity for unresolved reference: Payment Processing",
      "tags": [
        "auto-created"
      ]
    },
    {
      "id": "ent_7d26fd24d00a",
      "name": "Authentication System",
      "type": "system",
      "description": "System that verifies merchant credentials for API access",
      "tags": [
        "security",
        "access control"
      ]
    },
    {
      "id": "ent_f119448a9d53",
      "name": "API Key",
      "type": "object",
      "description": "Secret key used by merchants to authenticate API requests",
      "tags": [
        "authentication",
        "security"
      ]
    },
    {
      "id": "ent_3f97d8fc7f6a",
      "name": "TLS/SSL",
      "type": "system",
      "description": "Encryption protocol for secure data transmission",
      "tags": [
        "security",
        "encryption"
      ]
    },
    {
      "id": "ent_b2b3e0397b1a",
      "name": "Error Handler",
      "type": "system",
      "description": "System component that handles failed payment attempts",
      "tags": [
        "error handling",
        "reliability"
      ]
    },
    {
      "id": "ent_c59d41d00954",
      "name": "Audit Log",
      "type": "object",
      "description": "Record of all payment transactions and system activities",
      "tags": [
        "logging",
        "compliance"
      ]
    },
    {
      "id": "ent_35bf1c25f52a",
      "name": "Compliance Monitor",
      "type": "system",
      "description": "System ensuring adherence to PCI DSS and financial regulations",
      "tags": [
        "compliance",
        "security"
      ]
    },
    {
      "id": "ent_8581797d2a09",
      "name": "Backup System",
      "type": "system",
      "description": "System for backing up transaction data and ensuring recovery",
      "tags": [
        "backup",
        "disaster recovery"
      ]
    }
  ],
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      "target": "ent_8581797d2a09",
      "label": "operates"
    },
    {
      "id": "rel_739edeeb9afa",
      "type": "contains",
      "source": "ent_8581797d2a09",
      "target": "ent_3e4cfb6d444b",
      "label": "backs up"
    }
  ],
  "processes": [
    {
      "id": "proc_052abf929f10",
      "name": "Payment Processing",
      "description": "Complete flow from customer payment to merchant settlement",
      "trigger": "Customer submits payment details",
      "steps": [
        {
          "order": 1,
          "action": "Submit payment details",
          "actor": "ent_c0f90af41daf",
          "input": [
            "ent_e5a121b0966a"
          ],
          "output": [
            "ent_3e4cfb6d444b"
          ]
        },
        {
          "order": 2,
          "action": "Tokenize card data",
          "actor": "ent_10b32a39fb2a",
          "input": [
            "ent_3e4cfb6d444b"
          ],
          "output": [
            "ent_7d69eeba15fa"
          ]
        },
        {
          "order": 3,
          "action": "Create PaymentIntent",
          "actor": "ent_10b32a39fb2a",
          "input": [
            "ent_7d69eeba15fa"
          ],
          "output": [
            "ent_6a92eab33a9c"
          ]
        },
        {
          "order": 4,
          "action": "Send authorization request",
          "actor": "ent_10b32a39fb2a",
          "input": [
            "ent_6a92eab33a9c"
          ],
          "output": [
            "ent_1c78a3f02b4d"
          ]
        },
        {
          "order": 5,
          "action": "Route to issuing bank",
          "actor": "ent_d6044e51b2b3",
          "input": [
            "ent_1c78a3f02b4d"
          ],
          "output": [
            "ent_1c78a3f02b4d"
          ]
        },
        {
          "order": 6,
          "action": "Approve or decline",
          "actor": "ent_ccfdc1605fff",
          "input": [
            "ent_1c78a3f02b4d"
          ],
          "output": [
            "ent_0a8a580e3d13"
          ]
        },
        {
          "order": 7,
          "action": "Notify merchant",
          "actor": "ent_10b32a39fb2a",
          "input": [
            "ent_0a8a580e3d13"
          ],
          "output": [
            "ent_d50371344487"
          ]
        },
        {
          "order": 8,
          "action": "Fulfill order",
          "actor": "ent_6b063abec57f",
          "input": [
            "ent_d50371344487"
          ],
          "output": [
            "ent_8ad59bc81dec"
          ]
        }
      ],
      "participants": [
        "ent_c0f90af41daf",
        "ent_10b32a39fb2a",
        "ent_d6044e51b2b3",
        "ent_ccfdc1605fff",
        "ent_6b063abec57f"
      ],
      "outcomes": [
        "Successful payment",
        "Failed payment",
        "Order fulfillment"
      ]
    },
    {
      "id": "proc_6cdba17a14ec",
      "name": "Settlement",
      "description": "Transfer of funds from issuing bank to merchant",
      "trigger": "2 business days after successful payment",
      "steps": [
        {
          "order": 1,
          "action": "Transfer funds",
          "actor": "ent_ccfdc1605fff",
          "input": [
            "ent_d5dd835acc28"
          ],
          "output": [
            "ent_e5e283af145c"
          ]
        },
        {
          "order": 2,
          "action": "Route through network",
          "actor": "ent_d6044e51b2b3",
          "input": [
            "ent_e5e283af145c"
          ],
          "output": [
            "ent_e5e283af145c"
          ]
        },
        {
          "order": 3,
          "action": "Receive funds",
          "actor": "ent_ff92fd56d2bb",
          "input": [
            "ent_e5e283af145c"
          ],
          "output": [
            "ent_e5e283af145c"
          ]
        },
        {
          "order": 4,
          "action": "Deposit to merchant account",
          "actor": "ent_ff92fd56d2bb",
          "input": [
            "ent_e5e283af145c"
          ],
          "output": [
            "ent_f6523c7007b5"
          ]
        }
      ],
      "participants": [
        "ent_ccfdc1605fff",
        "ent_d6044e51b2b3",
        "ent_ff92fd56d2bb",
        "ent_6b063abec57f"
      ],
      "outcomes": [
        "Merchant receives payment"
      ]
    },
    {
      "id": "proc_caf0360a6681",
      "name": "Refund Process",
      "description": "Reversal of a payment by merchant",
      "trigger": "Merchant initiates refund within 120 days",
      "steps": [
        {
          "order": 1,
          "action": "Initiate refund",
          "actor": "ent_6b063abec57f",
          "input": [
            "ent_112fa11a2f11"
          ],
          "output": [
            "ent_0137588d12bb"
          ]
        },
        {
          "order": 2,
          "action": "Process refund",
          "actor": "ent_10b32a39fb2a",
          "input": [
            "ent_0137588d12bb"
          ],
          "output": [
            "ent_dc3dd7c9c29b"
          ]
        }
      ],
      "participants": [
        "ent_6b063abec57f",
        "ent_10b32a39fb2a",
        "ent_c0f90af41daf"
      ],
      "outcomes": [
        "Customer receives refund"
      ]
    },
    {
      "id": "proc_6596a5601144",
      "name": "Chargeback Resolution",
      "description": "Process for resolving disputed transactions",
      "trigger": "Customer disputes transaction with issuing bank",
      "steps": [
        {
          "order": 1,
          "action": "File dispute",
          "actor": "ent_c0f90af41daf",
          "input": [
            "ent_ea65e2213125"
          ],
          "output": [
            "ent_3fb3f10f6008"
          ]
        },
        {
          "order": 2,
          "action": "Notify merchant",
          "actor": "ent_10b32a39fb2a",
          "input": [
            "ent_3fb3f10f6008"
          ],
          "output": [
            "ent_2ab2b0fc253d"
          ]
        },
        {
          "order": 3,
          "action": "Submit evidence",
          "actor": "ent_6b063abec57f",
          "input": [
            "ent_26f545db9ffa"
          ],
          "output": [
            "ent_b3501b78b7c8"
          ]
        },
        {
          "order": 4,
          "action": "Resolve dispute",
          "actor": "ent_2214c08a257f",
          "input": [
            "ent_b3501b78b7c8"
          ],
          "output": [
            "ent_3ce5d8791bca"
          ]
        }
      ],
      "participants": [
        "ent_c0f90af41daf",
        "ent_10b32a39fb2a",
        "ent_6b063abec57f",
        "ent_2214c08a257f"
      ],
      "outcomes": [
        "Chargeback resolved",
        "$15 fee charged to merchant"
      ]
    },
    {
      "id": "proc_b5614c369757",
      "name": "API Authentication",
      "description": "Process of verifying merchant identity before API access",
      "steps": [
        {
          "order": 1,
          "action": "Present API key with request",
          "actor": "ent_6b063abec57f"
        },
        {
          "order": 2,
          "action": "Validate API key",
          "actor": "ent_7d26fd24d00a"
        },
        {
          "order": 3,
          "action": "Grant or deny access",
          "actor": "ent_7d26fd24d00a"
        }
      ],
      "participants": [
        "ent_6b063abec57f",
        "ent_7d26fd24d00a",
        "ent_f119448a9d53"
      ],
      "outcomes": [
        "Authenticated access granted",
        "Access denied for invalid credentials"
      ]
    },
    {
      "id": "proc_3b20754a8ad2",
      "name": "Error Handling Process",
      "description": "Process for handling failed payment attempts",
      "steps": [
        {
          "order": 1,
          "action": "Detect payment failure",
          "actor": "ent_b2b3e0397b1a"
        },
        {
          "order": 2,
          "action": "Log error details",
          "actor": "ent_b2b3e0397b1a"
        },
        {
          "order": 3,
          "action": "Notify merchant of failure",
          "actor": "ent_b2b3e0397b1a"
        },
        {
          "order": 4,
          "action": "Return error response",
          "actor": "ent_c4e13fec7ee4"
        }
      ],
      "participants": [
        "ent_b2b3e0397b1a",
        "ent_c4e13fec7ee4",
        "ent_6b063abec57f",
        "ent_c59d41d00954"
      ],
      "outcomes": [
        "Error logged",
        "Merchant notified",
        "No fee charged"
      ]
    }
  ],
  "constraints": [
    {
      "id": "cstr_1c54687ae198",
      "name": "Transaction Fee Structure",
      "type": "rule",
      "description": "Stripe charges 2.9% + 30 cents per successful transaction",
      "scope": [
        "ent_10b32a39fb2a",
        "ent_6b063abec57f",
        "ent_19841c2a0a95"
      ],
      "severity": "hard"
    },
    {
      "id": "cstr_af95734f9f3e",
      "name": "Failed Transaction Policy",
      "type": "rule",
      "description": "Failed transactions are not charged fees",
      "scope": [
        "ent_10b32a39fb2a",
        "ent_19841c2a0a95"
      ],
      "severity": "hard"
    },
    {
      "id": "cstr_6451c9bb6339",
      "name": "Refund Time Limit",
      "type": "temporal",
      "description": "Merchants can issue refunds within 120 days",
      "scope": [
        "ent_6b063abec57f",
        "ent_dc3dd7c9c29b"
      ],
      "severity": "hard"
    },
    {
      "id": "cstr_ab430707d860",
      "name": "Settlement Timing",
      "type": "temporal",
      "description": "Settlement occurs 2 business days after successful payment",
      "scope": [
        "ent_d5dd835acc28"
      ],
      "severity": "hard"
    },
    {
      "id": "cstr_d6db3c498b6b",
      "name": "Chargeback Fee",
      "type": "rule",
      "description": "Disputed transactions incur a $15 fee",
      "scope": [
        "ent_3fb3f10f6008",
        "ent_6b063abec57f"
      ],
      "severity": "hard"
    },
    {
      "id": "cstr_9d216c877a6d",
      "name": "Payment Data Security",
      "type": "invariant",
      "description": "Payment data must be tokenized for security",
      "scope": [
        "ent_3e4cfb6d444b",
        "ent_7d69eeba15fa"
      ],
      "severity": "hard"
    },
    {
      "id": "cstr_bb187c505e05",
      "name": "Authorization Dependency",
      "type": "dependency",
      "description": "Payment processing depends on issuing bank authorization",
      "scope": [
        "ent_112884a0939a",
        "ent_ccfdc1605fff"
      ],
      "severity": "hard"
    },
    {
      "id": "cstr_cd42443989d6",
      "name": "API Authentication Required",
      "type": "authorization",
      "description": "All API requests must be authenticated with valid API keys",
      "scope": [
        "ent_c4e13fec7ee4",
        "ent_6b063abec57f",
        "ent_7d26fd24d00a"
      ],
      "severity": "hard"
    },
    {
      "id": "cstr_ec3b553e622b",
      "name": "PCI DSS Compliance",
      "type": "rule",
      "description": "Payment data handling must comply with PCI DSS standards",
      "scope": [
        "ent_3e4cfb6d444b",
        "ent_10b32a39fb2a",
        "ent_7d69eeba15fa",
        "ent_3f97d8fc7f6a"
      ],
      "severity": "hard"
    },
    {
      "id": "cstr_8b357d3b3fe9",
      "name": "Data Encryption In Transit",
      "type": "invariant",
      "description": "All payment data must be encrypted during transmission",
      "scope": [
        "ent_3e4cfb6d444b",
        "ent_3f97d8fc7f6a",
        "ent_c4e13fec7ee4"
      ],
      "severity": "hard"
    },
    {
      "id": "cstr_b79a65407aab",
      "name": "Audit Trail Requirement",
      "type": "rule",
      "description": "All transactions must be logged for compliance and dispute resolution",
      "scope": [
        "ent_ea65e2213125",
        "ent_c59d41d00954",
        "ent_10b32a39fb2a"
      ],
      "severity": "hard"
    },
    {
      "id": "cstr_cf12f568403c",
      "name": "System Availability Dependency",
      "type": "dependency",
      "description": "Payment processing depends on availability of card networks and issuing banks",
      "scope": [
        "ent_10b32a39fb2a",
        "ent_d6044e51b2b3",
        "ent_ccfdc1605fff"
      ],
      "severity": "hard"
    }
  ],
  "metadata": {
    "source_type": "mixed",
    "source_summary": "Merged from 54 entities across 2 models",
    "confidence": 0.75,
    "extraction_notes": [
      "Inferred existence of acquiring bank and merchant bank account for settlement flow",
      "Added implicit entities like tokens and authorization responses",
      "Extracted timing constraints and fee structures as hard constraints",
      "Identified webhook notification mechanism as communication method",
      "Authentication system inferred from need for secure API access by merchants",
      "TLS/SSL encryption required for secure payment data transmission",
      "Error handling system implied by mention of failed transactions not being charged",
      "Audit logging required for compliance with financial regulations and chargeback evidence",
      "Compliance monitoring necessary for PCI DSS and financial industry requirements",
      "Backup systems implied for business continuity in financial services",
      "API key management inferred from typical API authentication patterns",
      "Error notification process implied by merchant need to know about failed payments",
      "Merged: Stripe Payment Processing Ecosystem (39 entities) + Stripe Payment Infrastructure Model (15 entities)"
    ]
  }
}