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Simple Credit Line Management System

Terminology

The following table contains Simple Credit Line Management System(SCLMS) related terminologies used in the article:

Term Description
Credit Limit The credit facility extended to the account of a user.
For example, if an account has been assigned a credit limit of INR 10,000, the account can spend up to INR 10,000 over and above the PPI account balance.
Credit Limit Balance The unused credit limit that the account has.
For example, if the account has a limit of INR 10,000 and INR 2,000 is utilized, the credit limit balance will be INR 8,000.
Audit Logs Record of the usage of credit limit maintained for reporting purposes
Account States Active - credit limit for account is active
Inactive - credit limit for account has been deactivated, reversible state
Disabled - credit limit for account has been deactivated, non-reversible state

Simple Credit Limit Management System

Simple Credit Limit Management System(SCLMS) is a Fusion Offering that helps fintechs assign a credit limit to the account of a user. SCLMS facilitates Just in time funding to the account of the user.

For example User A has been assigned a credit limit of INR 10,000. His balance in the account is INR 2,000. Now he/she wishes to transact for INR 8,000. The transaction amount (INR 8,000) - Balance of account (INR 2,000) i.e the difference (INR 6,000) would be transferred Just in Time to the account of the user.
Given the balance of the account is now equal to the transaction amount, the transaction will be successful. JIT Funding is implemented with the help of Interceptors

Along with the assignment of the credit limit, the CLMS also supports increasing and decreasing the credit limit balance.

For example
User A has been assigned a credit limit of INR 10,000 for a month. At the start of the month, both his credit limit and the credit limit balance are INR 10,000. During the month he consumes INR 9,000 of his credit limit. Now the credit limit is INR 10,000 however the credit limit balance is INR 1,000. After the month ends, he repays INR 9,000 and the additional interest that he owes to the fintech. The fintech then restores his credit limit balance to INR 10,000.

Credit line extended for INR 10,000 User makes a transaction of INR 1000 User pays back the credit line consumed
Credit Limit = INR 10,000
Credit Limit Balance = INR 10,000
CreditLimit = INR 10,000
Credit Limit Balance = INR 9,000
Credit Limit = INR 10,000
Credit Limit Balance = INR 10,000

Use case

Let’s look at a use case of implementing a credit limit given to users by a Finetch.

1. Assign Credit Limit to Account

Fintech uses Assign Credit Limit to Account API to assign limits to accounts based on their logic. Assume User A has INR 10,000.

Input parameters

  • ifiID: Required. Unique identifier of the IFI.
  • accountID: Required. Unique identifier of the account.
  • creditLimit: Required. The limit of credit facility extended to the account of an Account.

Example

In the following example, we set up a credit account for an Account.

cURL Sample
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curl --location --request POST 'https://credit-limit-management.preprod.zeta.in/api/v1/ifi/{{ifiID}}/credits/account' \
--header 'Content-Type: application/json' \
--header 'Authorization: {{token}}' \
--header 'Cookie: {{cookie}}' \
--data-raw '{
    "accountId": {{accountID}},
    "attrs": {
    "additionalProp1": {{additionalProp1}}
  },
    "creditLimit": "10000",
    "status": "ACTIVE"
}'
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JSON Sample
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  {
    "createdDate": "2020-10-23T07:52:51.206+0000",
    "lastModifiedDate": "2020-10-23T07:52:51.206+0000",
    "accountId": "d0baa244-d7f7-422e-a113-6e23941fdfeb",
    "creditLimit": 10000,
    "creditBalance": 10000,
    "status": "ACTIVE",
    "accountAttrs": {
        "additionalProp1": "Test"
    },
    "tenant": {
        "createdDate": "2020-10-08T09:01:52.366+0000",
        "lastModifiedDate": "2020-10-08T09:33:19.991+0000",
        "id": 100050,
        "tenantId": 140793,
        "tenantName": "ABGTest",
        "vboId": "910c0eb1-3972-49bd-aaf9-c21ebbc0c026",
        "sandboxId": 748,
        "policyConfig": {},
        "tenantConfig": {},
        "webHookConfig": {}
    }
}
    
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2. JIT Funding

User A has a balance of INR 2,000 in account and credit limit of INR10,000. He attempts to do a transaction of INR 8,000. CLMS orchestrates Just in time funding from the VBO Funding account to the user account of INR 6,000 ( transaction value - the balance of account ). The transaction is successful. Credit limit balance changes to INR 4,000. This step is orchestrated by CLMS using Interceptors and A2A transfer API.

3. Credit Limit Balance Usage

Across the month user, A utilizes INR 3,000 of his credit limit balance. User A has used INR 9,000 of his credit limit balance during the month. His current credit limit balance is INR 1,000.

4. Increase Credit Limit Balance

At the end of the time period allowed to account holder, Fintech Increases the credit limit balance from INR 1,000 (current credit limit balance) to INR 10,000 using Increase Credit Limit Balance API.

Input parameters

  • ifiID: Required. Unique identifier of the IFI.
  • accountID: Required. Unique identifier of the account.
  • creditLimit: Required. The limit of credit facility extended to the account of an Account.

Example

In the following example, we increase the credit limit balance for an Account.

cURL Sample
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curl --location --request POST 'https://credit-limit-management.preprod.zeta.in/api/v1/ifi/{{ifiID}}/credits/account/{{accountID}}/increaseCreditBalance' \
--header 'Content-Type: application/json' \
--header 'Authorization: {{token}}' \
--header 'Cookie: {{cookie}}' \
--data-raw '{
  "content": {
    "amount": 10,
    "currency": "INR"
  },
  "id": {{id}}
}'
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JSON Sample
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{
    "id": "cc0bcecc-8e9e-404e-91b1-6fb9c57017f9",
    "content": {
        "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795",
        "creditLimit": 10000,
        "creditBalance": 18370,
        "status": "ACTIVE",
        "accountAttrs": {
            "additionalProp1": "Test"
        },
        "tenant": {
            "id": 100001,
            "tenantId": 140793,
            "tenantName": "peSeva",
            "vboId": "6a90160f-1306-420a-945a-080a3edd0325",
            "sandboxId": 233,
            "policyConfig": {},
            "tenantConfig": {},
            "webHookConfig": {},
            "createdDate": "Jun 2, 2020 11:10:37 AM",
            "lastModifiedDate": "Jun 2, 2020 11:10:37 AM",
            "version": 0
        },
        "createdDate": "Jun 24, 2020 12:42:34 PM",
        "lastModifiedDate": "Sep 30, 2020 10:00:15 AM",
        "version": 221
    }
}  
    
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5. Update Account Limit

The fintech decides to increase/decrease the assigned credit limit to user based on business logic. It can change the credit limit to INR 12,000 or INR 8,000 using Update account Limit API.

Input parameters

  • ifiID: Required. Unique identifier of the IFI.
  • accountID: Required. Unique identifier of the account.
  • creditLimit: Required. The limit of credit facility extended to the account of an Account.

Example

In the following example, we increases the credit limit balance for an Account.

cURL Sample
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curl --location --request PUT 'https://credit-limit-management.preprod.zeta.in/api/v1/ifi/140793/credits/account/{{accountID}}' \
--header 'Content-Type: application/json' \
--header 'Authorization: {{token}}' \
--header 'Cookie: {{cookie}}' \
--data-raw '{
    "creditLimit" : 12000
}'
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JSON Sample
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{
    "createdDate": "2020-10-23T07:52:51.206+0000",
    "lastModifiedDate": "2020-10-23T09:21:56.333+0000",
    "accountId": "d0baa244-d7f7-422e-a113-6e23941fdfeb",
    "creditLimit": 12000,
    "creditBalance": 12000,
    "status": "ACTIVE",
    "accountAttrs": {
        "additionalProp1": "Test"
    },
    "tenant": {
        "createdDate": "2020-10-08T09:01:52.366+0000",
        "lastModifiedDate": "2020-10-08T09:33:19.991+0000",
        "id": 100050,
        "tenantId": 140793,
        "tenantName": "ABGTest",
        "vboId": "910c0eb1-3972-49bd-aaf9-c21ebbc0c026",
        "sandboxId": 748,
        "policyConfig": {},
        "tenantConfig": {},
        "webHookConfig": {}
    }
}
    
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6. Decrease Credit Limit Balance

The fintech can also use Decrease Credit Limit Balance API to reduce the credit limit balance. Typically used in JIT Funding in non-card transactions. JIT Funding in such cases is orchestrated by Fintech.

Input parameters

  • ifiID: Required. Unique identifier of the IFI.
  • accountID: Required. Unique identifier of the account.
  • amount: Required. The amount by which the credit limit balance should be decreased.

Example

In the following example, we decrease the credit limit balance for an Account.

cURL Sample
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curl --location --request POST 'https://credit-limit-management.preprod.zeta.in/api/v1/ifi/{{ifiID}}/credits/account/{{accountID}}/decreaseCreditBalance' \
--header 'Content-Type: application/json' \
--header 'Authorization: {{token}}' \
--header 'Cookie: {{cookie}}' \
--data-raw '{
  "content": {
    "amount": 10,
    "currency": "INR",
    "paymentID": "IMPS"
  },
  "id": {{id}}
}'
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JSON Sample
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{
    "id": "cc4bcecc-7e2e-404e-91b1-6fb6c57014f4",
    "content": {
        "createdDate": "2020-06-24T12:42:34.680+0000",
        "lastModifiedDate": "2020-10-23T09:33:07.614+0000",
        "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795",
        "creditLimit": 23000,
        "creditBalance": 20040,
        "status": "ACTIVE",
        "accountAttrs": {
            "additionalProp1": "Test"
        },
        "tenant": {
            "createdDate": "2020-06-02T11:10:37.479+0000",
            "lastModifiedDate": "2020-06-02T11:10:37.479+0000",
            "id": 100001,
            "tenantId": 140793,
            "tenantName": "peSeva",
            "vboId": "6a90160f-1306-420a-945a-080a3edd0325",
            "sandboxId": 233,
            "policyConfig": {},
            "tenantConfig": {},
            "webHookConfig": {}
        }
    }
}
    
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7. Get all Audit logs for a Credit Account

Fintech can view Audit logs for an account using View Audit logs for Account Input parameters

  • ifiID: Required. Unique identifier of the IFI.
    cURL Sample
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    curl --location --request GET 'https://credit-limit-management.preprod.zeta.in/api/v1/ifi/{{ifiID}}/credits/account/{{accountID}}/audit/logs' \
    --header 'Authorization: {{token}}' \
    --header 'Cookie: {{cookie}}' \
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    JSON Sample
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    {
        "content": [],
        "pageable": {
            "sort": {
                "sorted": true,
                "unsorted": false
            },
            "pageSize": 50,
            "pageNumber": 0,
            "offset": 0,
            "paged": true,
            "unpaged": false
        },
        "last": true,
        "totalPages": 0,
        "totalElements": 0,
        "sort": {
            "sorted": true,
            "unsorted": false
        },
        "first": true,
        "numberOfElements": 0,
        "size": 50,
        "number": 0
    }
        
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8. Get all Credit Audit logs

The fintech can view Audit logs for all accounts.

Input parameters

  • ifiID: Required. Unique identifier of the IFI.
    cURL Sample
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    curl --location --request GET 'https://credit-limit-management.preprod.zeta.in/api/v1/ifi/{{ifiID}}/credits/audit/logs' \
    --header 'Authorization: {{token}}' \
    --header 'Cookie: {{cookie}}' \
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    JSON Sample
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    {
     "content": [
     {
     "createdDate": "2020-10-22T06:31:33.690+0000",
     "lastModifiedDate": "2020-10-22T06:31:33.690+0000",
     "auditId": 1000000318,
     "openingCreditBal": 18050,
     "closingCreditBal": 20050,
     "openingCreditLimit": 21000,
     "closingCreditLimit": 23000,
     "paymentAttrs": {},
     "paymentId": "",
     "operation": "UPDATED_CREDIT_LIMIT_BY_USER",
     "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
     },
     {
     "createdDate": "2020-10-22T06:31:15.241+0000",
     "lastModifiedDate": "2020-10-22T06:31:15.241+0000",
     "auditId": 1000000317,
     "openingCreditBal": 19050,
     "closingCreditBal": 18050,
     "openingCreditLimit": 22000,
     "closingCreditLimit": 21000,
     "paymentAttrs": {},
     "paymentId": "",
     "operation": "UPDATED_CREDIT_LIMIT_BY_USER",
     "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
     },
     {
     "createdDate": "2020-10-22T06:25:05.208+0000",
     "lastModifiedDate": "2020-10-22T06:25:05.208+0000",
     "auditId": 1000000316,
     "openingCreditBal": 18050,
     "closingCreditBal": 19050,
     "openingCreditLimit": 21000,
     "closingCreditLimit": 22000,
     "paymentAttrs": {},
     "paymentId": "",
     "operation": "UPDATED_CREDIT_LIMIT_BY_USER",
     "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
     },
     {
     "createdDate": "2020-10-22T06:24:42.123+0000",
     "lastModifiedDate": "2020-10-22T06:24:42.123+0000",
     "auditId": 1000000315,
     "openingCreditBal": 19050,
     "closingCreditBal": 18050,
     "openingCreditLimit": 22000,
     "closingCreditLimit": 21000,
     "paymentAttrs": {},
     "paymentId": "",
     "operation": "UPDATED_CREDIT_LIMIT_BY_USER",
     "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
     },
     {
     "createdDate": "2020-10-08T09:56:28.847+0000",
     "lastModifiedDate": "2020-10-08T09:56:28.847+0000",
     "auditId": 1000000285,
     "openingCreditBal": 19150,
     "closingCreditBal": 19050,
     "openingCreditLimit": 22000,
     "closingCreditLimit": 22000,
     "paymentAttrs": {},
     "paymentId": "326444000036",
     "operation": "CREDIT_BALANCE_USED",
     "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
     },
     {
     "createdDate": "2020-10-08T08:28:34.272+0000",
     "lastModifiedDate": "2020-10-08T08:28:34.272+0000",
     "auditId": 1000000280,
     "openingCreditBal": 19150,
     "closingCreditBal": 19150,
     "openingCreditLimit": 22000,
     "closingCreditLimit": 22000,
     "paymentAttrs": {},
     "paymentId": "",
     "operation": "UPDATED_CREDIT_LIMIT_BY_USER",
     "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
     },
     {
     "createdDate": "2020-10-07T13:29:30.131+0000",
     "lastModifiedDate": "2020-10-07T13:29:30.131+0000",
     "auditId": 1000000275,
     "openingCreditBal": 19250,
     "closingCreditBal": 19150,
     "openingCreditLimit": 22000,
     "closingCreditLimit": 22000,
     "paymentAttrs": {},
     "paymentId": "326270000486",
     "operation": "CREDIT_BALANCE_USED",
     "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
     },
     {
     "createdDate": "2020-10-07T13:21:16.111+0000",
     "lastModifiedDate": "2020-10-07T13:21:16.111+0000",
     "auditId": 1000000259,
     "openingCreditBal": 19350,
     "closingCreditBal": 19250,
     "openingCreditLimit": 22000,
     "closingCreditLimit": 22000,
     "paymentAttrs": {},
     "paymentId": "IMPS",
     "operation": "CREDIT_BALANCE_USED",
     "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
     },
     {
     "createdDate": "2020-10-07T13:17:51.452+0000",
     "lastModifiedDate": "2020-10-07T13:17:51.452+0000",
     "auditId": 1000000266,
     "openingCreditBal": 18350,
     "closingCreditBal": 19350,
     "openingCreditLimit": 21000,
     "closingCreditLimit": 22000,
     "paymentAttrs": {},
     "paymentId": "",
     "operation": "UPDATED_CREDIT_LIMIT_BY_USER",
     "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
     },
     {
     "createdDate": "2020-10-07T10:28:31.359+0000",
     "lastModifiedDate": "2020-10-07T10:28:31.359+0000",
     "auditId": 1000000270,
     "openingCreditBal": 18360,
     "closingCreditBal": 18350,
     "openingCreditLimit": 21000,
     "closingCreditLimit": 21000,
     "paymentAttrs": {},
     "paymentId": "326269000115",
     "operation": "CREDIT_BALANCE_USED",
     "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
     },
     {
     "createdDate": "2020-10-07T09:12:14.087+0000",
     "lastModifiedDate": "2020-10-07T09:12:14.087+0000",
     "auditId": 1000000265,
     "openingCreditBal": 18370,
     "closingCreditBal": 18360,
     "openingCreditLimit": 21000,
     "closingCreditLimit": 21000,
     "paymentAttrs": {},
     "paymentId": "326270000100",
     "operation": "CREDIT_BALANCE_USED",
     "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
     },
     {
     "createdDate": "2020-09-30T10:00:15.498+0000",
     "lastModifiedDate": "2020-09-30T10:00:15.498+0000",
     "auditId": 1000000261,
     "openingCreditBal": 18360,
     "closingCreditBal": 18370,
     "openingCreditLimit": 21000,
     "closingCreditLimit": 21000,
     "paymentAttrs": {},
     "paymentId": "",
     "operation": "CREDIT_BALANCE_INCREASED",
     "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
     },
     {
     "createdDate": "2020-09-30T09:59:56.230+0000",
     "lastModifiedDate": "2020-09-30T09:59:56.230+0000",
     "auditId": 1000000258,
     "openingCreditBal": 18370,
     "closingCreditBal": 18360,
     "openingCreditLimit": 21000,
     "closingCreditLimit": 21000,
     "paymentAttrs": {},
     "paymentId": "IMPS",
     "operation": "CREDIT_BALANCE_USED",
     "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
     },
     {
     "createdDate": "2020-09-30T09:59:18.632+0000",
     "lastModifiedDate": "2020-09-30T09:59:18.632+0000",
     "auditId": 1000000260,
     "openingCreditBal": 18380,
     "closingCreditBal": 18370,
     "openingCreditLimit": 21000,
     "closingCreditLimit": 21000,
     "paymentAttrs": {},
     "paymentId": "IMPS",
     "operation": "CREDIT_BALANCE_USED",
     "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
     },
     {
     "createdDate": "2020-09-30T09:57:35.590+0000",
     "lastModifiedDate": "2020-09-30T09:57:35.590+0000",
     "auditId": 1000000257,
     "openingCreditBal": 18390,
     "closingCreditBal": 18380,
     "openingCreditLimit": 21000,
     "closingCreditLimit": 21000,
     "paymentAttrs": {},
     "paymentId": "IMPS",
     "operation": "CREDIT_BALANCE_USED",
     "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
     },
     {
     "createdDate": "2020-09-30T09:35:05.768+0000",
     "lastModifiedDate": "2020-09-30T09:35:05.768+0000",
     "auditId": 1000000256,
     "openingCreditBal": 17390,
     "closingCreditBal": 18390,
     "openingCreditLimit": 20000,
     "closingCreditLimit": 21000,
     "paymentAttrs": {},
     "paymentId": "",
     "operation": "UPDATED_CREDIT_LIMIT_BY_USER",
     "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
     },
     {
     "createdDate": "2020-09-30T09:34:40.193+0000",
     "lastModifiedDate": "2020-09-30T09:34:40.193+0000",
     "auditId": 1000000255,
     "openingCreditBal": 17390,
     "closingCreditBal": 17390,
     "openingCreditLimit": 20000,
     "closingCreditLimit": 20000,
     "paymentAttrs": {},
     "paymentId": "",
     "operation": "UPDATED_CREDIT_LIMIT_BY_USER",
     "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
     },
     {
     "createdDate": "2020-09-29T12:16:21.992+0000",
     "lastModifiedDate": "2020-09-29T12:16:21.992+0000",
     "auditId": 1000000250,
     "openingCreditBal": 17386,
     "closingCreditBal": 17390,
     "openingCreditLimit": 20000,
     "closingCreditLimit": 20000,
     "paymentAttrs": {},
     "paymentId": "",
     "operation": "CREDIT_BALANCE_INCREASED",
     "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
     },
     {
     "createdDate": "2020-09-25T11:02:02.105+0000",
     "lastModifiedDate": "2020-09-25T11:02:02.105+0000",
     "auditId": 1000000231,
     "openingCreditBal": 49980,
     "closingCreditBal": 50000,
     "openingCreditLimit": 50000,
     "closingCreditLimit": 50000,
     "paymentAttrs": {},
     "paymentId": "",
     "operation": "CREDIT_BALANCE_INCREASED",
     "accountId": "54af4f90-c1e7-451a-964c-1ec4e5ba29e4"
     },
     {
     "createdDate": "2020-09-25T11:01:52.500+0000",
     "lastModifiedDate": "2020-09-25T11:01:52.500+0000",
     "auditId": 1000000245,
     "openingCreditBal": 49790,
     "closingCreditBal": 49980,
     "openingCreditLimit": 50000,
     "closingCreditLimit": 50000,
     "paymentAttrs": {},
     "paymentId": "",
     "operation": "CREDIT_BALANCE_INCREASED",
     "accountId": "54af4f90-c1e7-451a-964c-1ec4e5ba29e4"
     },
     {
     "createdDate": "2020-09-25T11:01:34.696+0000",
     "lastModifiedDate": "2020-09-25T11:01:34.696+0000",
     "auditId": 1000000240,
     "openingCreditBal": 49800,
     "closingCreditBal": 49790,
     "openingCreditLimit": 50000,
     "closingCreditLimit": 50000,
     "paymentAttrs": {},
     "paymentId": "a2a_test_dummy_001",
     "operation": "CREDIT_BALANCE_USED",
     "accountId": "54af4f90-c1e7-451a-964c-1ec4e5ba29e4"
     },
     {
     "createdDate": "2020-09-25T11:01:28.162+0000",
     "lastModifiedDate": "2020-09-25T11:01:28.162+0000",
     "auditId": 1000000235,
     "openingCreditBal": 49810,
     "closingCreditBal": 49800,
     "openingCreditLimit": 50000,
     "closingCreditLimit": 50000,
     "paymentAttrs": {},
     "paymentId": "a2a_test_dummy_001",
     "operation": "CREDIT_BALANCE_USED",
     "accountId": "54af4f90-c1e7-451a-964c-1ec4e5ba29e4"
     },
     {
     "createdDate": "2020-09-25T09:48:54.171+0000",
     "lastModifiedDate": "2020-09-25T09:48:54.171+0000",
     "auditId": 1000000230,
     "openingCreditBal": 49800,
     "closingCreditBal": 49810,
     "openingCreditLimit": 50000,
     "closingCreditLimit": 50000,
     "paymentAttrs": {},
     "paymentId": "",
     "operation": "CREDIT_BALANCE_INCREASED",
     "accountId": "54af4f90-c1e7-451a-964c-1ec4e5ba29e4"
     },
     {
     "createdDate": "2020-09-22T13:15:15.924+0000",
     "lastModifiedDate": "2020-09-22T13:15:15.924+0000",
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    Code Copied

Note : Currently the CLMS only intercepts card payments. The ability to intercept payments on other channels is part of our roadmap.



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