Systems and methodologies that facilitate data handling among participants with mismatched schema sets of an extensible data model, via employing a versioning component. Payment history information associated with one or more payments made on behalf of a payor to a biller may be identified. A higher level of abstraction eliminates much of the particular implementation details, and allows easier and faster design exploration, analysis, and test, before implementation. A needle roller assembly is supported between the intermediate axial ring and a second axial race of the second bearing ring.