{
  "payment_type": "premium_payment",
  "ledger_entry_type": "premium_payment_apply",
  "authorization": "Confirm the policy, payer, installment, and approved premium amount in the policy administration system.",
  "amounts": "Positive integer strings in USD cents, resolved server-side from approved records.",
  "identity": "Authenticate the payer and resolve the Ledger and business record server-side.",
  "idempotency": "Persist one stable key and exact payload per operation. Recover existing operations after timeouts.",
  "concurrency": "Serialize application approvals per record; the apply entry condition prevents a negative available balance.",
  "settlement": "Verify Payment status on the server. Never post native settlement entries manually.",
  "domain_rules": {
    "Coverage activation": "The policy system determines coverage. A successful card payment does not independently activate a policy.",
    "Premium adjustment": "Approve endorsements and revised installments before collecting an additional payment.",
    "Accounting scope": "This receipt example does not calculate statutory reserves or determine premium-earning policy."
  }
}