System Modeling Overview

The system modeling documentation provides comprehensive diagrams and models that illustrate Earna AI’s credit improvement platform architecture. These diagrams detail how AI-powered chat interactions, credit monitoring, and financial recommendations work together to help users improve their credit scores.

Diagram Types

Flowcharts

Step-by-step process flows for key credit operations including:

• Chat conversation flow with GPT-4o (primary) and Claude 3 Opus (alternative)
• Credit score analysis pipeline
• Improvement plan generation workflow
• User onboarding and authentication

Sequence Diagrams

Time-ordered interactions between system components showing:

• AI chat message processing with multi-model support (GPT-4o, Claude 3 Opus)
• Credit bureau API integration flows
• Tool execution for credit operations
• Real-time dashboard updates via WebSockets

State Diagrams

State transitions for critical system components:

• Chat session state management
• User authentication states
• Credit monitoring lifecycle
• Action plan execution states

Entity Relationship Diagrams

Data model relationships and schemas including:

• User profile and credit data models
• Chat conversation history structure
• Credit score tracking schemas
• Action plan and recommendation models

Component Interaction Diagrams

Detailed service communication patterns showing:

• Multi-model AI tool calling architecture (GPT-4o, Claude 3 Opus)
• Credit service orchestration
• Notification system flows
• Real-time data synchronization

Navigation Guide

Each diagram type has its own dedicated section with:

• High-resolution diagrams using Mermaid
• Detailed explanations of each component
• Implementation notes and best practices
• Credit-specific design patterns

Color Coding

All diagrams use a consistent color scheme for clarity:

• Blue (#3B82F6) - Frontend and UI components
• Purple (#8B5CF6) - AI and GPT-4o components
• Green (#10B981) - Data and storage layers
• Orange (#F59E0B) - External services (Credit bureaus, Plaid)
• Red (#EF4444) - Error states and alerts

Key System Models

1. Credit Intelligence Model

Illustrates how credit data flows through the system:

• Data ingestion from credit bureaus
• AI-powered analysis and insights
• Personalized recommendation generation
• Progress tracking and monitoring

2. AI Conversation Model

Shows the multi-model AI integration architecture:

• Message processing pipeline
• Tool execution framework
• Context management system
• Response streaming mechanism

3. User Journey Model

Maps the complete user experience:

• Onboarding and authentication
• Initial credit assessment
• Ongoing monitoring and advice
• Goal achievement tracking

4. Security Model

Details the security architecture:

• Authentication flow with Firebase
• Data encryption patterns
• PII handling and protection
• Audit logging and compliance

Implementation Standards

All system models follow these standards:

• Notation: UML 2.0 for consistency
• Tools: Mermaid for version-controlled diagrams
• Documentation: Inline comments for complex flows
• Updates: Models kept in sync with codebase

Usage Guidelines

When reviewing these models:

1. Start with the overview diagrams for context
2. Drill down into specific components as needed
3. Cross-reference with API documentation
4. Use models for troubleshooting and optimization

Model Validation

All models are validated against:

• Current implementation in codebase
• API specifications and contracts
• Database schemas and migrations
• Business requirements and user stories