Takaful and Shared Operations

Payment Order

isb-payment-order · isb-operations

A Shariah-native BIAN service domain in Takaful and Shared Operations. It applies the Process functional pattern to the Payment Order, with the Payment Order Procedure as its control record — one isolated Spring Boot microservice.

View repository ↗The 48-domain landscape ↗

Business DomainIslamic Cards and Payments

Functional PatternProcess

Asset TypePayment Order

Control RecordPayment Order Procedure

USEWhat it is used for

Representative use cases for the Payment Order service domain within a Shariah-compliant core-banking landscape.

Issue and service Payment Order products on fee (Ujrah) structures — no revolving interest
Validate, route, and execute payment instructions with debit/credit atomicity
Charge late amounts to charity pools per Shariah board rulings

APIBIAN semantic API

Each service domain exposes its control record (Payment Order Procedure) through uniform BIAN action terms. Java 21 · Spring Boot 3, with OpenAPI at /swagger-ui.html.

Method	Path	BIAN action
GET	`/v1/service-domain`	Service metadata
POST	`/v1/payment-order-procedure/initiate`	Initiate
GET	`/v1/payment-order-procedure/{crId}/retrieve`	Retrieve
PUT	`/v1/payment-order-procedure/{crId}/update`	Update
PUT	`/v1/payment-order-procedure/{crId}/control`	Control (suspend / resume / terminate)

INTBackend integrations

The systems and standards a real deployment of Payment Order would transact with.

Networks: Visa/Mastercard (Ujrah/fee-based card programs), local schemes
Rails (halal-neutral): SWIFT, SEPA, UPI/NPCI, instant-payment systems
Processors with Islamic product configs (M2P, Marqeta)

RUNRun it yourself

Each domain is its own standalone Spring Boot repository — clone and run in seconds, or deploy onto Kubernetes with the bundled Helm chart.

# run this domain standalone
git clone https://github.com/Sreenivas-Sadhu-Prabhakara/isb-payment-order
mvn -f isb-payment-order spring-boot:run
curl localhost:8080/v1/service-domain

# or deploy onto Kubernetes (Cilium mesh)
helm upgrade --install isb-payment-order ./helm -n isb-operations

FAQQuestions

What business area does Payment Order belong to?

Payment Order sits in the Takaful and Shared Operations business area — Takaful (cooperative insurance) and the shared operational domains that support the Islamic banking landscape. It follows the BIAN Process functional pattern over the Payment Order asset, with the Payment Order Procedure as its control record.

How is this isolated from conventional banking?

Completely. The Islamic landscape shares no code, repositories, namespaces or events with the conventional platform. This domain lives in the isb-operations namespace with an isb-* repository and com.bank.islamic package, so the two can never mix by accident.

Is this a certified Shariah-compliant product?

No. It is an educational reference implementation in the BIAN service-domain style. Actual Shariah compliance of any real deployment requires certification by a qualified Shariah Supervisory Board. Standards referenced: AAOIFI, IFSB, IIFM.