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Case Study # 12
 

SRA's Workflow and Integration Solutions to America's Third Largest Credit Bureau

  The client is one of three major credit bureaus in the US, which maintains consumer credit history Information. The client has been providing value-added information solutions to businesses and consumers for many years.

The client's Mortgage Services generates Mortgage Credit Reports. The newly developed application generates Merged Credit Reports such as:

 
  • Credit Hi-lite (CHL), the result of merging in-files pulled from specified Bureaus for an order
  • Edited Credit Hi-lite (ECHL), that involves verifying some of the items appearing in the report
  • Residential Mortgage Credit Report (RMCR) involves verification of all report content
  • Mortgage Business Credit Report (MBCR) for Businesses
 

The client Mortgage Services has different sub offices. Clients contact sub offices to order and generate credit reports. Client profiles have different preferences like Delivery Methods, Report Options, Format Options, and Pricing. When an Order for a credit report is submitted, depending on the client profile settings and order requirements, it is possible to pull raw credit files from the credit bureaus for the client. The gateway system generates merged credit reports.

Existing Informix 4GL application was re-engineered to provide a web-based solution using J2EE standards. The new system enabled the client to track and know the status of the order. The new system also has standard audit and security features, including change logs, time stamps and user id stamps. Using the workflow management framework, the new system allows the client offices to manage work better and determine the status of a request and where the request is in the office.

The new system utilizes a service-oriented architecture, which encapsulates the essential business services as sets of components, which are accessed through published interfaces. This allows the user application to ask for and request operations from those components without having to directly interact with them.

 
Benefits
 
  • New revenue streams by means of ability to provide new services
  • Ability to monitor and track status of orders
  • Productivity reports to identify and eliminate bottlenecks
  • Use of XML for communication between modules makes the system extendable
 
Typical Solutions
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Processes
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