Bill Payment Use Case
The Bill Payment use case allows customers to pay bills.
Actors: Customer, System, External Company, Bill System
Pre-Conditions: The customer must be authenticated. Anonymous requests are forbidden.
Actions:
1. The customer selects the Bill Payment option in the Global Bank Web portal.
2. The customer selects an account from a list of his or her checking or savings accounts.
3. The customer selects one of the pending bills from a list of pending bills.
4. The system prompts the customer for transaction confirmation.
5. The system prompts the customer to confirm the request.
6. The system completes the transaction and displays the Bill Payment page.
Alternative Flows
Billing Company Notification: The payment process implies a funds transfer operation between the customer account and a collection account belonging to the external company. The company may request to be notified and validate the transaction as part of the payment. This notification will be managed through a business event queue. If the publish fails, the implicit funds transfer operation must be reversed. Each of these events is logged.
Alternative Flows (out of scope)
Bill Company Notification, continued: Subscription to the business event queue and notification to the bill payee is out of scope.
Post-Conditions:
Cached Account Summary Information: The service that performs the bill payment returns the state of the accounts after paying the bills. The Web application uses this information to update the cached information.
Business Rules: After a bill is paid, it will not be shown in the account summary screen. The system will perform a check against a system-wide limit for each bill. Bills exceeding the limit will not be eligible and will be rejected.
Limits on fund transfers will not affect and are not affected by bill payments.
Funds from the source account will be debited immediately upon confirmation. If there are not enough funds to perform the transaction, the system will display an error message and return to the bill payment initial screen.
The customer will not have the ability to select bills with amounts exceeding the account balance. This will be updated if the customer modifies the payment account.

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