Takaful and Shared Operations
Ujrah Card Services
isb-ujrah-card-services · isb-operations
A Shariah-native BIAN service domain in Takaful and Shared Operations. It applies the Fulfill functional pattern to the Ujrah Card Facility, with the Ujrah Card Facility Fulfillment Arrangement as its control record — one isolated Spring Boot microservice.
View repository ↗The 48-domain landscape ↗
USEWhat it is used for
Representative use cases for the Ujrah Card Services service domain within a Shariah-compliant core-banking landscape.
- Issue and service Ujrah Card Facility 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 (Ujrah Card Facility Fulfillment Arrangement) 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/ujrah-card-facility-fulfillment-arrangement/initiate | Initiate |
| GET | /v1/ujrah-card-facility-fulfillment-arrangement/{crId}/retrieve | Retrieve |
| PUT | /v1/ujrah-card-facility-fulfillment-arrangement/{crId}/update | Update |
| PUT | /v1/ujrah-card-facility-fulfillment-arrangement/{crId}/control | Control (suspend / resume / terminate) |
INTBackend integrations
The systems and standards a real deployment of Ujrah Card Services 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-ujrah-card-services
mvn -f isb-ujrah-card-services spring-boot:run
curl localhost:8080/v1/service-domain
# or deploy onto Kubernetes (Cilium mesh)
helm upgrade --install isb-ujrah-card-services ./helm -n isb-operations
FAQQuestions
What is Ujrah?
Ujrah is a fee for service or use. Shariah-compliant cards and services charge a transparent Ujrah (fee) instead of interest on outstanding balances.
What business area does Ujrah Card Services belong to?
Ujrah Card Services 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 Fulfill functional pattern over the Ujrah Card Facility asset, with the Ujrah Card Facility Fulfillment Arrangement 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.
SEEIn the landscape
Ujrah Card Services is one of 48 Shariah-native service domains. Explore the whole platform: