# Scheme Management Module Requirements Specification **Document Version:** 1.0 **Module:** Scheme Management **Product:** Enterprise Acquiring Platform **Document Type:** Functional Requirement Specification (High-Level) **Status:** Draft --- # 1. Introduction ## 1.1 Purpose The Scheme Management module provides centralized management of all payment scheme (card network) related configurations, rules, parameters, certifications, compliance, routing, and operational data required by the acquiring platform. The module acts as the master repository for scheme-specific configurations and provides services to all other platform modules. --- # 2. Objectives The Scheme Management module shall: - Support multiple payment schemes. - Centralize scheme configurations. - Eliminate hard-coded scheme rules. - Maintain version-controlled scheme parameters. - Support multiple countries. - Support multiple currencies. - Support multi-tenant deployments. - Support domestic and international schemes. - Support future scheme additions without software changes. - Provide centralized configuration management. - Provide complete audit history. --- # 3. Supported Payment Schemes The platform shall support (configurable): - Visa - Mastercard - RuPay - American Express - JCB - UnionPay - Discover - Diners Club - Jaywan - Meeza - mada - EFTPOS - Local/Domestic Schemes - Future Schemes --- # 4. Scope The module shall manage: - Scheme master data - Card scheme configuration - Card products - BIN/IIN management - EMV parameters - Contactless parameters - Routing configuration - Network parameters - Settlement calendars - Scheme holidays - Certification records - Compliance requirements - Interchange master tables - Assessment fee tables - Scheme fee tables - Reason codes - Dispute configuration - Scheme bulletins - Card ranges - Country rules - Currency rules - Merchant category rules - Reporting configuration - API configuration - Audit information --- # 5. Out of Scope The module shall NOT manage: - Merchant MDR - Merchant pricing - Transaction processing - Authorization processing - Settlement processing - Reconciliation - Merchant onboarding - Terminal inventory - Dispute processing - Fraud decisions These functions belong to their respective modules. --- # 6. Module Navigation ```text Scheme Management │ ├── Dashboard ├── Scheme Configuration ├── Card Products ├── BIN Management ├── Card Ranges ├── Country Configuration ├── Currency Configuration ├── EMV Parameters ├── Contactless Parameters ├── Routing Configuration ├── Network Parameters ├── Merchant Category Rules ├── Interchange Tables ├── Scheme Fee Tables ├── Assessment Fees ├── Reason Codes ├── Dispute Parameters ├── Settlement Calendar ├── Holiday Calendar ├── Certification Management ├── Compliance Management ├── Scheme Bulletins ├── Reports ├── Administration └── Audit ``` --- # 7. Functional Requirements ## 7.1 Dashboard The system shall provide: - Active schemes - Scheme status - Certification status - Upcoming expiries - Bulletin notifications - Configuration changes - Compliance alerts - Recent updates --- ## 7.2 Scheme Configuration The system shall allow: - Add Scheme - Update Scheme - Activate Scheme - Suspend Scheme - Deactivate Scheme - Country mapping - Currency mapping - Processing window - Settlement cycle - Status management --- ## 7.3 Card Product Management Maintain: - Debit - Credit - Prepaid - Commercial - Corporate - Virtual Cards - Token Cards - Fleet Cards - Gift Cards Configurable attributes: - Product Code - Product Name - Product Type - Scheme - Country - Currency - Status --- ## 7.4 BIN / IIN Management Support: - BIN upload - BIN download - BIN lookup - BIN search - BIN activation - BIN versioning - Country mapping - Issuer mapping - Card product mapping --- ## 7.5 Card Range Management Maintain: - Card ranges - Start BIN - End BIN - Issuer - Scheme - Country - Status --- ## 7.6 Country Configuration Manage: - Countries - Supported schemes - Domestic rules - Regional restrictions - Processing rules --- ## 7.7 Currency Configuration Manage: - Currency codes - Decimal precision - Settlement currency - Processing currency - Supported currency list --- ## 7.8 EMV Parameter Management Manage: - AIDs - CAPKs - TAC - Floor Limits - Terminal Action Codes - CVM Rules - Terminal Capabilities - Kernel Versions - Risk Parameters --- ## 7.9 Contactless Parameters Maintain: - Contactless limits - CVM limits - Offline limits - Reader limits - Consumer device limits --- ## 7.10 Network Routing Configure: - Primary Network - Secondary Network - Routing priorities - Failover routing - Domestic routing - International routing --- ## 7.11 Network Parameters Maintain: - ISO Version - Message Specifications - Processing Codes - Function Codes - Timeout - Retry - Retry Count - Network Windows --- ## 7.12 Merchant Category Rules Maintain: - MCC - MCC description - Allowed transactions - Cashback rules - Installment rules - Risk category - Restrictions --- ## 7.13 Interchange Management Maintain scheme published interchange tables. Support: - Effective date - Country - Scheme - Card Type - Merchant Category - Transaction Type - Currency - Domestic - International --- ## 7.14 Scheme Fee Management Maintain: - Assessment Fee - Processing Fee - Cross Border Fee - Token Fee - Chargeback Fee - Arbitration Fee - Compliance Fee - Licensing Fee --- ## 7.15 Reason Code Management Maintain: - Scheme - Reason Code - Description - Dispute Category - Time Limits - Required Documents --- ## 7.16 Dispute Parameters Configure: - Response time - SLA - Chargeback window - Arbitration window - Evidence requirements --- ## 7.17 Settlement Calendar Manage: - Settlement cycles - Settlement cut-off - Settlement holidays - Processing windows --- ## 7.18 Holiday Calendar Maintain: - National holidays - Scheme holidays - Bank holidays - Settlement holidays --- ## 7.19 Certification Management Maintain: - L2 Certification - L3 Certification - Host Certification - Contactless Certification - SoftPOS Certification - Expiry - Renewal --- ## 7.20 Compliance Management Track: - PCI DSS - PCI PTS - EMV - Scheme compliance - Key rotation - Audit dates - Compliance status --- ## 7.21 Scheme Bulletins Manage: - Bulletin number - Bulletin date - Description - Impact - Implementation status - Effective date --- ## 7.22 Reports Generate reports for: - Active schemes - BIN reports - Certification reports - Compliance reports - Bulletin reports - Fee reports - Interchange reports - Routing reports - Audit reports --- ## 7.23 Administration Manage: - Masters - Configuration - User permissions - Roles - Templates - Lookup values - System parameters --- ## 7.24 Audit Maintain audit logs for: - Configuration changes - User activities - Parameter changes - BIN updates - Certification updates - Fee changes - Routing updates --- # 8. Integration Requirements The module shall integrate with: - Merchant Management - Terminal Management - Payment Processing Switch - Settlement Engine - Reconciliation Engine - Fee & MDR Management - Dispute Management - Fraud Management - HSM / Key Management - Notification Service - Reporting Engine - API Gateway --- # 9. User Roles Support role-based access for: - Scheme Administrator - Product Administrator - Operations Team - Settlement Team - Network Team - Compliance Team - Risk Team - Auditor - Read Only User - API User --- # 10. Security Requirements The system shall support: - Role Based Access Control (RBAC) - Maker / Checker Approval - Four-eye Approval - Field-level authorization - Configuration approval workflow - Audit logging - Encryption of sensitive data - API authentication - Session management --- # 11. Non-Functional Requirements The module shall support: - High availability - Multi-tenant architecture - Horizontal scalability - High performance - Configuration versioning - Effective dating - Rollback capability - Localization - Time zone support - Multi-language support - Backup & recovery - Disaster recovery - REST APIs - Event publishing - Bulk import/export --- # 12. Configuration Versioning The system shall support: - Draft configurations - Published configurations - Future effective dates - Version comparison - Rollback - Approval workflow - Change history --- # 13. Data Import & Export Support import/export for: - BIN files - Card ranges - Interchange tables - Scheme fee tables - Reason codes - EMV parameters - Routing configuration - Certification records - Holiday calendars --- # 14. Notifications The system shall generate notifications for: - Certification expiry - Compliance expiry - Bulletin release - Configuration approval - Configuration rejection - Version publication - Import completion - Import failure --- # 15. APIs Provide APIs for: - Scheme lookup - BIN lookup - Card product lookup - Routing lookup - Reason code lookup - Interchange lookup - Scheme fee lookup - Country lookup - Currency lookup - EMV parameter lookup - Contactless parameter lookup --- # 16. Dependencies Dependent on: - Authentication Service - User Management - Notification Service - Audit Service - Document Repository - API Gateway - HSM / Key Management Provides services to: - Payment Switch - Merchant Management - Terminal Management - Settlement - Fee & MDR - Dispute Management - Fraud Management - Reporting --- # 17. Future Enhancements Future capabilities may include: - Automatic Visa/Mastercard bulletin ingestion - Scheme API synchronization - AI impact analysis of rule changes - Automatic BIN updates - Automatic fee updates - Configuration simulation - Rule comparison - Compliance dashboards - Predictive certification renewal alerts - AI-assisted configuration validation --- # 18. Design Considerations - All scheme data shall be configuration-driven. - No scheme-specific values shall be hardcoded. - All master data shall support versioning. - Configuration changes shall support approval workflows. - All configurations shall be auditable. - Multi-country support shall be native. - Effective-date-based configuration shall be supported. - APIs shall be reusable across all acquiring platform modules. - The module shall be extensible to support new payment schemes without application code changes.