applications architecture and_business_rules
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KPMG
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200
1 K
PM
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onsu
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Information Technology Applications Architecture
China Construction Bank
Information Technology Applications Architecture15/05/2002
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Introduction
This document sets out the application architecture for the Bank resulting from the review of the IT Research project. It covers the following two main systems:
Continued implementation of the CCBS system as a multi province and potential multi currency system. The system is currently a single province application,
Implementation of a multi layered data warehousing solution to meet the Bank’s management information needs
Other systems have not been assessed alongside these because these represent the significant areas for change in the Bank’s main application architecture. The architecture is represented as is today followed by an interim development with the new core systems configuration and an initial implementation of the data warehousing solution. The full architecture is represented by the core system supported by a full data warehousing implementation. On each slide the light coloured systems are those that have been newly implemented at that stage of development
In addition, a section ahs been included showing the main areas of an applications architecture which KPMG would expect to see as a multi layered solution as is being proposed for the core banking reengineering. As part of this we have included the main business rules around the interaction between such layers.
Information Technology Applications Architecture15/05/2002
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CCB’s Applications Architecture Transition
Information Technology Applications Architecture15/05/2002
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Current Architecture (Shanghai Province)
Processing ManagementSystems Information
Systems
Cus
tom
er
info
rmat
ion
Sec
urity
Acc
ount
s
Loa
ns
Sav
ings
Pay
men
ts
Local systems
Point of sale
Automated teller machine
Automated teller machine
Point of sale terminal
Securities transfer
Web Server
Card organisations
Local Settlement
External gateways
Counter TopTerminals
Centre
Province
Local
Call centres
Web Server
Card organisations
Local Settlement
External gateways and front ends
Front end database
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Interim Architecture
Centre
Province
Local
Processing ManagementSystems Information
SystemsC
usto
mer
in
form
atio
n
Sec
urity
Acc
ount
s
Loa
ns
Sav
ings
Pay
men
ts
Local systems
Point of sale
Automated teller machine
Automated teller machine
Point of sale terminal
SNA Communications
Transaction transfer
Data formatting
Call centres
Web Server
Card organisations
Local Settlement
External gateways and front ends
Big Front End
Small FrontEnd
Counter TopTerminals
Line ofbusinessdata marts
On line Analytical Processing
Line ofbusinessdata marts
On line Analytical Processing
On lineAnalytical Processing
In the interim management information is providedeither within a province or at province and Head Office for one line of business
Head Officeline ofbusinessdata mart
CCBS database
Securities transfer
Web Server
Card organisations
Local Settlement
External gateways
Front end database
Front end database
Province baseddata
extraction
Province baseddata
extraction
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Full Architecture
Centre
Province
Local
Processing ManagementSystems Information
Systems
Line ofbusinessdata marts
Summary Head Officedata mart
On line Analytical Processing
On lineAnalytical Processing
Line ofbusinessdata marts
Head Officeline ofbusinessdata mart
On line Analytical Processing
On lineAnalytical Processing
Management information is either grouped by province and then consolidated into one head office system or by line of business and consolidated by line of business at Head Office. Both options are shown here
Cus
tom
er
info
rmat
ion
Sec
urity
Acc
ount
s
Loa
ns
Sav
ings
Pay
men
ts
Local systems
Point of sale
Automated teller machine
Automated teller machine
Point of sale terminal
SNA Communications
Transaction transfer
Data formatting
Call centres
Web Server
Card organisations
Local Settlement
External gateways and front ends
Big Front End
Small FrontEnd
CCBS database
Securities transfer
Web Server
Card organisations
Local Settlement
External gateways
Front end database
Front end database
Province baseddata
extraction
Province baseddata
extraction
Counter TopTerminals
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Applications architecture
-
Locations
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Channel Management Layer (central or distributed)
EnterpriseManagement
Systems (central)
PartnerManagement
Systems(central)
CustomerAnalytics
Marketing & MIS(central)
OperationalCustomer
Management(central)
Channel Layer (central or distributed)
Business Integration Layer (central)
Production Engine Layer (central)
Mailing & Payment Gateways (central)
The best practice applications architecture will have the layers located as follows
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Channel Management Layer (distributed at province level)
EnterpriseManagement
Systems (distributed and central)
PartnerManagement
Systems(does not exist)
CustomerAnalytics
Marketing & MIS(does not exist)
OperationalCustomer
Management(distributed
where it exists)
Channel Layer (distributed)
Business Integration Layer (does not exist)
Production Engine Layer (distributed at province and City level)
Mailing & Payment Gateways (distributed)
CCB’s current practice applications architecture has the layers located as follows
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Channel Management Layer (distributed at province level)
EnterpriseManagement
Systems (central)
PartnerManagement
Systems(not needed in
the short to medium term)
CustomerAnalytics
Marketing & MIS(central)
OperationalCustomer
Management(central)
Channel Layer (central or distributed)
Business Integration Layer (distributed at province level)
Production Engine Layer (central and distributed)
Mailing & Payment Gateways (central)
CCB’s likley applications architecture will have the layers located as follows
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Applications architecture
-
Rules for managing the application layers
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From an applications architecture perspective the architecture is divided into layers ….
Channel Management Layer
EnterpriseManagement
Systems
PartnerManagement
Systems
CustomerAnalytics
Marketing & MIS
OperationalCustomer
Management
Channel Layer
Business Integration Layer
Production Engine Layer
Mailing & Payment Gateways
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The application layers can then be exploded to show application components...
Customer Interaction Layer
Workflow
Service Management Fulfilment Management Complaints Management Sales Support
Quotations RecommendationsApplications Capture
Common Processes
Product Bundling and Branding
Banking Engines Other FS Engines
Presentation
Personalisation
Distribution Channel Integration
Channel Management
ContentRepository
Web Page Design Content Management
Credit ReferenceBureau
CardProduction
LoansCurrent
Accounts
DepositsCreditCards
Mortgages
LifeInsurance
RetailBrokerage
WealthManagement
FX/TravelCheques
GeneralInsurance
AccountData
Leasing
Credit Ref./Scorecard
FraudDetection
Applications
CollectionsArrears Mgt.
3rd party debt collection
HPI
OtherBanks
Enterprise ManagementSystems
GL
RegulatoryReporting
AccountsPayable
PurchaseOrdering
HR/Payroll
TransactionReconciliation
StockControl
Treasury
RiskManagement
CommissionManagement Fixed
Assets
e-purchasing
CorporateData
Admin.
BrandM.I. & B.I.S.
Partner Management Systems
Finance.
Relation.
BusinessRisk
PartnerData
Mailing & Payment Gateways
BACS
CHAPS
CHAPS euroEBA
SET Switch Swift
RemittanceProcessing
AUDDIS/ADDACS
Mailing Fulfilment StatementingChequeProduction
ChequeClearing
High Street
DetailData
Finance Customer Product Channel
Analytic Databases
BehaviouralAnalysis
CustomerValue
Analysis
CampaignManagement
PersonalisationDevelopment
Householding Cross-Selling
Customer AnalyticsMarketing & MIS
OperationalCustomer Database
CustomerProfile
CustomerAuthentication
RiskManagement
TreatmentStrategies
ContactManagement
RelationshipManagement
Operational CustomerManagement
PC
Prop
riety
PC
OF
X
Internet
E-m
ail
WA
P P
hon
e
I-TV
Othe
r(- e
g, PD
A, K
iosk)
AV
R
IVR
CT
I
Script
Vide
o
ACD
Fa
x
Tra
d AT
M
e - channels Call Centre Supporting Channels
Po
stal
Bran
ch
Re
tail
Ou
tlet
Channels
Directory ServicesMessaging Security FTP WorkflowRules
Engine
DataTransformation
DataAggregation
DataSplitting
Directory ServicesMessageRepair
AuditTrail
Flow Control
QueuingInvocation of
RT/batch functs.Look-upTables
DirectoryServices
Prioritisation
Business Integration Layer
High Street
Internet
Suppliers
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Channel Management Layer
EnterpriseManagement
Systems
PartnerManagement
Systems
CustomerAnalytics
Marketing & MIS
OperationalCustomer
Management
Channel Layer
Business Integration Layer
Production Engine Layer
Mailing & Payment Gateways
Channel to Channel Management layerInteraction Rules
• Channel systems send enquiries and transactions only to specified systems in the channel management layer
• Channel systems have a valid subset of business transaction types which they can deal with e.g. internet channels cannot deal with notes and coins
• A subset of customer and account enquiries are valid for each channel layer system e.g. ATMs cannot enquire directly on customer records
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Channel Management Layer
EnterpriseManagement
Systems
PartnerManagement
Systems
CustomerAnalytics
Marketing & MIS
OperationalCustomer
Management
Channel Layer
Business Integration Layer
Production Engine Layer
Mailing & Payment Gateways
Channel Management to Business Integration Layer
Interaction rules
• All transactions pass through a switch between the layers
• All transactions have the following stamped on them:
•Time •Date•Source system•Target system•Processing priority, e.g. interactive, request, memo posting, batch•Valid security access to create, read, update and delete
• All transactions have business rules applied in this layer for the following:
•Categorisation for information retrieval e.g. customer type, product type, channel type, time period,geographical source •Supplementary data to be added to the transaction depending on the transaction type•Rules to be applied to the transaction to create aggregated totals for further analysis
• Transaction record is complete with the following action:
•If yes which system to pass it to•If no which system to pass it back to or what repair algorithms to apply
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Channel Management Layer
EnterpriseManagement
Systems
PartnerManagement
Systems
CustomerAnalytics
Marketing & MIS
OperationalCustomer
Management
Channel Layer
Business Integration Layer
Production Engine Layer
Mailing & Payment Gateways
Operational Customer Management to Business Integration Layer
Interaction rules:
• All customer related transactions passed to Operational Customer Management
• Customer authentication requested directed to Customer Authentication
• All customer transactions update Operational Customer Database
• Operational Customer Database (OCD)) updates other systems in Operational Customer Management depending on predefined rules held in the OCD
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Channel Management Layer
EnterpriseManagement
Systems
PartnerManagement
Systems
CustomerAnalytics
Marketing & MIS
OperationalCustomer
Management
Channel Layer
Business Integration Layer
Production Engine Layer
Mailing & Payment Gateways
Business Integration to Customer Analytics Marketing & MIS layer
Interaction rules:
• All customer related transactions passed to Detail Database
• All customer transactions update Detail Database in
•summary customer record or •individual customer record•both
• Customer Analytics Marketing & MIS sends outbound transaction to Business Integration Layer driven by predefined prompts held in each system in that area. Target system details for that type of transaction are held in the Business Integration layer
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Channel Management Layer
EnterpriseManagement
Systems
PartnerManagement
Systems
CustomerAnalytics
Marketing & MIS
OperationalCustomer
Management
Channel Layer
Business Integration Layer
Production Engine Layer
Mailing & Payment Gateways
Business Integration to Production Engine layer
Interaction rules:
• Business Integration Layer directs inbound transaction to relevant product system in the Production Engine Layer driven by predefined look up table. The rules for this will be driven by:
•Valid transaction type•Time of day, (production engine systems may be running batch updates and the rule will switch to a shadow data file not the main transactional file
• Business Integration layer will store a record of the transaction to match to the response transaction to ensure that a reply is received and processed
• changes to customer records held in the Production Engine Layer can only be done via the Business Integration Layer thus maintaining a record of inbound transaction updates only, no direct update of accounts is valid
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Channel Management Layer
EnterpriseManagement
Systems
PartnerManagement
Systems
CustomerAnalytics
Marketing & MIS
OperationalCustomer
Management
Channel Layer
Business Integration Layer
Production Engine Layer
Mailing & Payment Gateways
Production Engine Layer to Mailing & Payments Gateways
Interaction rule:
• Valid transaction types generate a subset of payment types or other types of transaction driven by a look up table e. g. a domestic payment will not be valid for a SWIFT transaction or a payment below a specified amount will not be valid for a real time gross settlement system
• Payment messages will require and authentication message before Production Engine Layer systems are updated with the transaction
• Payment messages will update different balances e. g. cleared or uncleared depending on the payment type
• Incomplete inbound payment messages held in suspense accounts in the Mailing & Payment Gateway before manual intervention
• changes to customer or third party payment records held in the Mailing & Payments Gateway can only be done via the Production Engine ion Layer thus maintaining a record of inbound transaction updates only, no direct update of records is valid
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Channel Management Layer
EnterpriseManagement
Systems
PartnerManagement
Systems
CustomerAnalytics
Marketing & MIS
OperationalCustomer
Management
Channel Layer
Business Integration Layer
Production Engine Layer
Mailing & Payment Gateways
Business Integration Layer to Partner Management Systems
Interaction rules:
• Certain transaction will known to be third party sourced system transactions from transaction tables held in the Business Integration Layer
• In and outbound transactions between layers will generate or receive receipt messages depending on
•the transaction value or•The transaction amount In either•In real time•As part of a periodic batch update
• Firewall principles apply for invalid or incomplete messages
• changes to customer or third party records held in the Partner Management Systems can only be done via the Business Integration Layer thus maintaining a record of inbound transaction updates only, no direct update of accounts is valid
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Channel Management Layer
EnterpriseManagement
Systems
PartnerManagement
Systems
CustomerAnalytics
Marketing & MIS
OperationalCustomer
Management
Channel Layer
Business Integration Layer
Production Engine Layer
Mailing & Payment Gateways
Business Integration layer to Enterprise Management Systems
Interaction rules:
• A subset of transaction (i.e. financial transactions and transactions which update management reports) will be passed from the Business Integration Layer to the Enterprise Management layer
• Control totals will be created for sent and received transactions to valid receipt.
• Transaction flow is one way i.e to Enterprise Management only except for payroll which roots via the Production Engine to the Payment Gateway or updates Production Engine customer accounts
• changes to account records held in the Enterprise Management Systems can only be done via the Business Integration Layer thus maintaining a record of inbound transaction updates only, no direct update of accounts is valid
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Business transactions which are used between layers
///////Product mandate
/////Financial transaction links
///////Staff links
///////Organisation links
///////Product links
///////Product application links
///////Customer links
///////Staff member
/////Interest computation
/////Fee computation
////Financial transaction
///////Organisation unit
///////Product holding
///////Product application
///////Customer
undeletedeletereverse update
updatereadUn createcreateType of action
Transaction group
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