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- BNPL (Buy Now Pay Later)
- Data model
The tables behind BNPL (Buy Now Pay Later)
BNPL (Buy Now Pay Later) ships with 15 tables, grouped here by the feature that uses them. Every record your team works with lives in one of them, and you can add fields and tables in Proto.
- Tables
- 15
- Features
- 6, plus shared settings
- Change it
- Add fields and tables in Proto
How the model is organised
Parties and people
Organizations define the operating scope; Parties identify counterparties; People link staff to Users.
Instruction work
Applications is the parent record for instruction accounts, credit decisions, assessment evidence, record attachments and operation receipts.
Provider accounts
Account applications links an opening request to its parent instruction. Financial accounts identifies provider-held accounts and account snapshots stores dated provider balances.
Reconciliation
Reconciliation items links provider movements to financial accounts and the matched Applications instruction.
Rates
Exchange rates holds read-only effective currency rates separately from instruction and movement records.
Every table, by feature
- Banking instructions1
- Review and decisions3
- Provider accounts3
- Account scope3
- Evidence and receipts4
- Reconciliation4
- Shared and settings4
- Applications
Typed applications moving through authorization, submission and confirmation.
Linked to Organizations, People, Parties
- Applications
Typed applications moving through authorization, submission and confirmation.
Linked to Organizations, People, Parties - Credit decisions
Independent approver decisions recorded against a frozen instruction revision.
Linked to Applications, People - People
Preparers, approvers, auditors and administrators working in the organization.
Linked to Users, Organizations
- Account applications
Applications to open a provider-authorized account against a banking instruction.
Linked to Applications, Organizations - Financial accounts
Provider-held financial accounts owned by a counterparty.
Linked to Parties - Account snapshots
Dated provider balance snapshots for a financial account.
Linked to Financial accounts
- Instruction accounts
Debit and credit account scopes that make an instruction balanced.
Linked to Applications, Financial accounts - Applications
Typed applications moving through authorization, submission and confirmation.
Linked to Organizations, People, Parties - Financial accounts
Provider-held financial accounts owned by a counterparty.
Linked to Parties
- Assessment evidence
Provider statements, confirmations, settlement notices and corrections for an instruction.
Linked to Applications - Record attachments
Supporting documents attached to a banking instruction.
Linked to Applications, People - Operation receipts
Idempotent operation receipts with stable operation keys and actual effect references.
Linked to Applications - Applications
Typed applications moving through authorization, submission and confirmation.
Linked to Organizations, People, Parties
- Reconciliation items
Source-identified provider movements matched against banking instructions.
Linked to Financial accounts, Applications - Account snapshots
Dated provider balance snapshots for a financial account.
Linked to Financial accounts - Financial accounts
Provider-held financial accounts owned by a counterparty.
Linked to Parties - Applications
Typed applications moving through authorization, submission and confirmation.
Linked to Organizations, People, Parties
Keys and references
Use the instruction’s record number in team discussions and its Id for record linking. Keep the provider instruction ID, provider application ID, external account ID, snapshot ID and movement event ID in their own records. The instruction Revision and the decision source revision must refer to the same reviewed scope. Operation key identifies an attempted action and its receipt; it is distinct from a provider event ID.
Migration order
- Import Organizations, Users and People with their organization links.
- Add Parties and financial accounts with provider, owner and currency details.
- Add Applications and their instruction accounts and account applications.
- Attach record attachments, credit decisions and assessment evidence to the appropriate instruction and revision.
- Load account snapshots, reconciliation items and operation receipts with their source identifiers and parent links.
- Check exchange rates separately if the operating process uses effective currency rates.
Set up BNPL (Buy Now Pay Later) your way.
Start free, then use Proto to change fields, steps and approvals before your team goes live.