Overview

Core Resources / Organization

Overview

Organization Resources manage a standard graph of actors, their relationships and subsequently a system of accounts. Organizations are made up of the following profiles and relationships:
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1. Bureaus - Business customers of Xformative, examples are TPAs, insurance providers, hospitals, universities, government agencies etc.
2. Clients - Business customers of the bureau such as consumer goods merchants, hospitals, universities, government agencies etc.
3. Individuals - Consumer customers of the bureau, consumer customers and/or employees of a Client and a participant in a clients program.
4. Custodian - Business vendors to the bureau who act as the holder of stored value and most often a payment source.
5. Payee - Business customers of the bureau and providers of goods and services to Individuals.
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To understand the typical Xformative organization and its actors in a typical use case, please consider the following scenarios. An employee benefit administrator is a Bureau in the Xformative system and offers benefit plans to three Clients; a hospital, a university and a charity. The employees of the three Clients are considered Individual customers of the Bureau with employee relationships to the Client. The employee benefit administrator (Bureau) offers an investment vehicle via a third party Custodian. The employee benefit administrator (Bureau) gets requests from participants to reimburse Payees such as medical providers. The employee benefit administrator (Bureau) can design a benefit program with a catalog program template configured with presets specific to the benefits space. Clients can create benefit plan programs from the benefit plan program template with offerings representing benefit plans. Individuals can enroll in and become participants in the benefit plan program offerings. The program and its offerings have a multi-purse card payment instrument with spend controls specific to the benefits space. Clients can then fund the program and subsequently its individual enrolled in offerings. Individuals can make eligible purchases and get reimbursed via card transactions and manual requests for reimbursement to a cash account or directly to a payee. Individuals can invest funds from eligible offerings to accrue interest.
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Concepts

Bureau

Bureaus are customers of Xformative. Bureaus orchestrate the profiles, relationships, acccounts, programs, cards and transactions for clients, individuals, payees and custodians. Bureaus have one to many client customer relationships. Bureaus have one to many individual customer relationships. Bureaus have one to many payee customer relationships. Bureaus have one to many custodian vendor relationships. An example of a bureau is a TPA, a neobank or an exchange.

Client

Clients are the program owners in the system and have a customer relationship with a bureau. Clients manage programs and can have numerous relationships with individuals, examples are; employee, customer, patient, etc. An example of a client is a hospital, charity, bank, etc.

Custodian

Custodians are the third party holders of stored value and have a vendor relationship with a bureau. An example of a custodian is a securities broker.

Facilitator

Facilitator is the processor and service host called Xformative

Individual

Individuals are the users of the system and have a customer relationship with a bureau. Individuals can be primary or secondary individuals. Primary individuals are owners of a group consisting of one primary and many secondary individuals. Individuals can have many different types of relations with a client. Individuals can enroll in client program offerings and be issued cards. Individuals can fund program offerings they enroll in directly or funding can happen via client payroll. Individuals can make reimbursement requests against the program offerings they are enrolled in and be paid out via multiple payment channels. An example of an individual is an employee, patient, customer, etc.

Payee

Payees are providers of goods and services to individuals and have a customer relationship with a bureau. Payees can accrue an available balance via reimbursements and be paid out via multiple payment channels. An example of a payee is a general practice doctor.

Profile

Profile is the supertype from which bureaus, clients, custodians, individuals, payee etc. inherit from.

Relation

Relationships between profiles and to program templates, programs, groups and payment instruments.

Events

new-client

Triggers a new client event to be processed

modify-client

Triggers a modify client event to be processed.

cancel-client

Triggers a cancel client event to be processed.

new-individual

Triggers a new individual event to be processed. The process creates a primary individual or linked dependent individual. Individuals can be enrolled in client program offerings and issued cards.

modify-individual

Triggers a modify individual event to be processed.

cancel-individual

Triggers a cancel individual event to be processed.

new-payee

Triggers a new payee event to be processed. Payees are providers of goods and services to individuals. Payees get reimbursed such as providers in the healthcare space.

modify-payee

Triggers a modify payee event to be processed.

cancel-payee

Triggers a cancel payee event to be processed.

new-custodian

Triggers a new custodian event to be processed. Custodians are external entities that hold financial stores of value.

modify-custodian

Triggers a modify custodian event to be processed.

cancel-custodian

Triggers a cancel custodian event to be processed.

set-relationship-for-client-employee

Triggers a new employee relation event to be processed. The process builds a graph relationship between a client and individual.

set-relationship-for-client-patron

Triggers a new customer relation event to be processed. The process builds a graph relationship between a client and individual.