David Gobaud dgobaud

Design Document: Debit Card Transaction Processing

Overview

This document describes the technical design for the debit card transaction processing feature. The system receives debit card authorization requests from a payment network, validates and routes them through an authorization pipeline, maintains accurate account balance states via authorization holds, persists a full audit trail, and delivers real-time cardholder notifications.

The design follows a service-oriented architecture where four logical components — Transaction_Processor, Authorization_Engine, Account_Service, and Notification_Service — communicate through well-defined interfaces. The system must be correct (no double-charges, no phantom holds), consistent (Available_Balance invariant always holds), and idempotent (duplicate submissions are safe).

Key Design Goals

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	import json
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