Technical Architecture

(in Archimate)

business value

WeChat is a top social media software with more than 0.13 billion active users by the end of 2022. Therefore, by opening a banking service portal on WeChat, bank users can more easily access various services of the bank, share the customer experience of banking services to a variety of social media communities, share to the circle of friends, share to join, thus making it easier for banks to bring new customers.
Through WeChat Bank, X-Net banks can provide services to customers more conveniently and cover a wider customer base. By leveraging digital identification solutions and social media, WeChat Bank can provide customers with personalized banking services that accurately meet their needs. Customers can benefit from a faster onboarding process and more customized products and services tailored to their needs.

Project Information

Service Subscription: The customer is an Internet bank (Neobank) with more than 30 million subscribers.

Hank Times Team Member:
Yu Y -- S --, back-end development
Chen X -- H --,QA
Ma L --, front-end developer,
Ma F --, front-end development
Wang x --, front-end developer
Chen f-, front-end developer
Liu f-, front-end developer
Tang Q --,QA
Tuo H -- L --, QA

Hank Times Service Scope:

"G-P-loan", "G-B-loan" and "G-T-loan"
1. Product instance creation
2. Create the deployment code
3. Product instance framework configuration (service application selection)
4. Service application content configuration.
5. Preview and publish
6. Consistency of product form (online and offline)
7. Data Migration
8. WeChat Bank back-office product project construction and development function realization
The Design and Development of the Core Product Component Function of WeChat Bank Background Corresponding Function
9. All interactive logic and interface style of WeChat front end of WeChat Bank are presented.
Other systems within WeChat Bank (public service platform, credit core, user center, unified payment, etc.) are docked and developed.
10. G-P-loan project development, docking with other cooperative banks of ICBC and Postal Bank.
11. H5 encryption keyboard front-end development, using face recognition, ID card OCR and other technologies for living body detection.

Application Architecture

(In Archimate)

Personal loans, business loans, real estate loans.
Loan application: Customers initiate evidence collection through WeChat Bank, providing loan trial calculation, quota inspection, anti-fraud wind control test. Then submit a loan application.
Information filling, credit application.
After filling in the customer's basic information and calling anti-fraud, submit a credit application.

Commercial loans/real estate loans/corporate loans.
Real name authentication. Users register, log in, OCR their ID, and submit their real name for authentication after light live.

savings accounts, fixed time deposits.
Card binding to open an account. Customers need to bind other bank cards, set transaction passwords, and open a new online Class 2 account.