Hank Times-Case Studies-Internet Lending Services, A- Banks

May 2020

this "online loan service", hank era relies on wechat app, with data mining, search, anti-fraud wind control, artificial intelligence technology, to create a set of cloud credit, online loan service system. It makes "Internet loan service" the core business of providing loan service and deposit service for bank users. This service enables bank users to obtain fast, efficient and reliable credit lines, with the advantages of low credit lines, low interest rates and fast issuance. In addition, through cooperation with other banks and financial service institutions, we have provided "Internet loan services" on WeChat (Bank A), Alipay and ICBC online services ". It completely covered the market of traditional and Internet financial services in a short time.

Project Information

Service Subscription: 30 million Subscriber
Hank Times Service Scope:
-Cooperate with A- bank architecture team to complete detailed design
-Front-end/back-end coding, QA,DevOps release
-EDI / API interface with other banks and financial institutions
-Development: H5 encryption keyboard integration, facial recognition, ID OCR integration
-Microservice architecture design

Application Architecture

(in Archimate)

function

users can also find "Internet Loan Service, Bank A" through a third-party banking app ".
real name authentication
Users register, log in, OCR their ID, and submit their real name for authentication after light live.
Information filling, credit application
Fill in the basic information of the customer, call the anti-fraud phone, and submit the credit application.
Binding card to open an account
Customers need to bind other bank cards, set transaction passwords, and open XX Class II accounts.
Loan Application
In "Internet Loan Service, Bank A", loan trial calculation, amount verification, anti-fraud wind control detection and initiation certification are provided. Submit a loan application. Alipay applet (the application runs within Alipay)

business value

This "Internet Loan Services, Bank A" project enabled Bank A to achieve robust security requirements and meet regulatory compliance requirements.

The project is in line with Bank A's strategic direction, expanding its user base and strengthening partnerships with other financial institutions.

to better serve individual and SMB business customers, resulting in faster access to loans and financing services.

A Bank's Internet loan service, based on the design of the Hank era, is based entirely on microservices and an open architecture that can quickly iterate and access new services, realize a trading hub, and interface with a variety of financial services.