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Back and forth
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Today any bank already works with a loan office or has a wish to start working with it: every day credit histories become more and more valuable. A good credit history is the best guarantee of the borrower's dependability, a bad one – is a definite factor of that the serious credit shouldn't be given to a such borrower.
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But the partnership with a loan office for the bank means not only the ability of getting the credit history but also the necessity of downloading the history of own credits to the loan office. That's why the work with a loan office is always a double-sided interaction.
Export difficulties
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All loan offices have different formats and requirements to the data.
The upload status of the sent data should be controlled.
The bigger the office with the more credits requested – the more manual work administrators of the bank get.
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Receiving problems
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Operators of the bank are almost uncontrolled – they ask for friends' or colleagues’' credit histories, and the bank pays for that.
When the operator gets the borrower reports from two or three loan offices he spends time and energy on transforming them into a single format.
Working all day at the decision-making system or at the credit front-office, the operator should connect to every loan office in order to require a credit history.
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CB::Connector – is an easy service-oriented solution, specially developed for automation of all operations that are connected with a loan office.
CB::Connector sends data to the loan office
It doesn't matter with one or several loan offices you work. Formatting, package, upload and the upload status control – all this work is being performed by CB::Connector for you.
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If you have the ABS B2, the data will be taken out of it every day by means of the CB::Connector. If you don't work with the ABS B2, the CS Ltd will provide you service on organizing the automatic data download the same way as it is realized for the B2.
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Data uploading operator starts performing any kind of operations only when the initial data contains errors. If everything is OK with credits, then he just should look through the upload logs.
CB::Connector downloads credit histories from the loan office
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Save your requests to the loan office – they are paid. The CB::Connector downloads credit history data to its own data base and the bank doesn't pay for the credit history of the same client several times. The period of data relevance is adjusted independently by the bank.
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Everything is counted by us. Auditor of the bank has full information at any moment of time – what operator asked for the credit history of the client. Apart from that, the system enables to limit the number requests by the operator and by the bank in general, if the bank doesn't plan to spend more than a certain amount of money on a credit history per month.
There is only one format. Data received from different sources is always under one format and it is easy for the operator to compare them.
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CB::Connector asks for the integration. You will easily plug the system in your integration environment: any credit front-office or the decision-making system can apply the module's web-service and requests the credit history in order to display and use it at another application. Operator won't even notice that the request was sent to the loan office – he will just see the credit history of the client in his main system at his own workplace.
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Different credits – different priorities. For your mortgage application to be considered you need to request a credit history from two or three loan offices but to overdraft drawing up you just need to search the actual credit history at CB::Connector data base, without spending additional funds. CB::Connector allows take such priorities into consideration and performs requests to the loan office according to the rules specified by the bank.
Architecture
Components
You can buy any module you are interested in and order others later.
- CB:Connector system kernel;
- Gate for the two-way interaction with the First All-Ukrainian Bureau of Credit Histories;
- Gate for the two-way interaction with the International Bureau of Credit Histories;
- Gate for the two-way interaction with the Ukrainian Bureau of Credit Histories;
- Interaction interface with the ABS B2;
- Interaction web-service with external systems.
Extension points
The system is still in the development process and the number of modules grows. Perspective directions:
- Gate for the interaction with with the MIA lost passports base;
- Gate for the interaction with with the Infoservice base;
- Smart service of data merge.
Technologies
- Data base: Oracle;
- Application server: IBM WebSphere, JBoss;
- Client workstation: Web-client.
Security
- Authorization and authentication: LDAP;
- Access rights differentiation on the ground of roles;
- Access channels security: HTTPS;
- Data security at open channels: access via proxy- server, SSL- encryption.
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