Loan Origination Reference Architecture Deep Dive

Architecture Deep DiveArchitecture Deep Dive

Reference Application Pack for Loan Origination Systems

Architecture Strategy Team

Mike Walker

IT and business challenges

Architecture walk-through

Addressing enterprise concerns

AgendaAgenda

GoalGoal

…Unify people, process, and technology through proven technologies that reduce cost, defragment channels, and provide holistic views of the customer… ”

Mike Walker 2006

“

Lending Challenges in Banking Lending Challenges in Banking 1 of 21 of 2

Lending Challenges in Banking Lending Challenges in Banking 2 of 22 of 2

* US Market Forecast – JupiterResearch 2005

Technology constraints limit agility

Multiple Loan Origination System (LOS) solutions that do not interoperate

Few vendors provide comprehensive technology choices

Workflows are cumbersome, not manageable

Business logic is often hard-coded

Point-to-point integration is not scalable

Technology ChallengesTechnology Challenges

Logical architecturePresentation layerApplication services layerLending message busBRE and orchestration layerData services layer

Architecture walk-throughArchitecture walk-through

Designing enterprise-class Office Business Applications (OBAs) for the financial services industry

Familiar and powerful Office clients for information consumption

Role-based extensibility

Provide rich Office components that consume and share industry standards schemas (for example, Mortgage Industry Standards Maintenance Organization (MISMO))

Goals of the Architecture Goals of the Architecture 1 of 21 of 2

Automate lending business processes with Windows Workflow Foundation and BizTalk System orchestrations

Bridge the gap between disparate business capabilities across a heterogeneous banking environment

Centralized Business Rules decouple with computation logic

Scalable and robust lending platform

Goals of the Architecture Goals of the Architecture 2 of 22 of 2

OBA Reference Application Pack (RAP) for Loan Origination Systems in financial services

Architecture Framework—Reusable loan architecture factory

Code Artifacts

RAP for Loan Origination Systems RAP for Loan Origination Systems 1 of 31 of 3

Custom Web PartsWSS site templates WF workflows BDC entities InfoPath forms

MISMO AcceleratorBizTalk orchestrationsBRE rules SQL Server schemasWeb Services proxies

ReportsGlue codeMSI for installation

Architecture guidance—White papers that educate architects about how to design, build, and deploy OBAs for LOS

Building Sustainable Banking Architectures

Architecting Enterprise Loan Workflows and Orchestrations

Architecting Regulatory Complaint Banking Solutions


Rich media—Webcasts and podcasts about Reference Architecture

Hands-on lab—Scripted application scenario, self-paced online training


Microsoft Office SharePoint Server 2007

.NET 3.0 (WCF and WF)

BizTalk 2006Orchestrations

Business Rules Engine (BRE)

SQL Server 2005Analytical Services

Reporting Services

Enabling TechnologiesEnabling Technologies

Content Content ManagementManagement

Workflow Workflow & Portal& Portal

Business Business IntelligencIntelligenc

ee

SearchSearchSearchSearch

Communications Communications & Collaboration& Collaboration

SQL ServerBizTalk

Logical ArchitectureLogical ArchitecturePresentation Layer

Extensible UIExtensible UIWeb-Based PortalWeb-Based PortalOffice ClientsOffice Clients

Business Rules Engine Orchestration Layer

Business Process ManagementBusiness Process ManagementCentralized Business RulesCentralized Business Rules

Data Services Layer

SQL Server 2005SQL Server 2005 Third-Party External Mortgage Third-Party External Mortgage ProvidersProviders

Lending Message Bus

Application Services LayerUnified Unified

Communications and Communications and CollaborationCollaboration

Business IntelligenceBusiness Intelligence Enterprise Content Enterprise Content ManagementManagement

WorkflowWorkflow SearchSearch Business Business Data Data

CatalogCatalog

ExtensiblExtensibleeUIUI

Open XML Open XML File File

FormatsFormats

Website and Website and Security Security

FrameworkFramework

Greater than the sum of the parts

Office Business ApplicationsOffice Business Applications

+ =OBA

+ Real-world

+ Implicit

+ Unstructured

+ Collaborative

+ Ad hoc

+ Dynamic

Idealized

Explicit

Structured

Transactional

Formal

Rigid

Anatomy of OBAAnatomy of OBA

OutlookOutlookOutlookOutlook

WordWordWordWordExcelExcelExcelExcel PowerPointPowerPointPowerPointPowerPoint

InfoPathInfoPathInfoPathInfoPath CommunicatorCommunicatorCommunicatorCommunicator

ClientsClients

Forms ServicesForms ServicesForms ServicesForms Services Excel ServicesExcel ServicesExcel ServicesExcel Services Data ServicesData ServicesData ServicesData Services

ECM ServicesECM ServicesECM ServicesECM Services Security ServicesSecurity ServicesSecurity ServicesSecurity Services Storage ServicesStorage ServicesStorage ServicesStorage Services

Portfolio Portfolio ManagementManagement

Portfolio Portfolio ManagementManagement

Project Project ManagementManagement

Project Project ManagementManagement Enterprise SearchEnterprise SearchEnterprise SearchEnterprise Search

MOSS 2007MOSS 2007

Portal FrameworkPortal FrameworkPortal FrameworkPortal Framework

Workflow FoundationWorkflow FoundationWorkflow FoundationWorkflow Foundation

Rights Rights Management Management

ServicesServices

Rights Rights Management Management

ServicesServices

Document Document LibrariesLibraries

Document Document LibrariesLibraries

WSS 3.0WSS 3.0

SharedShared

ASP.NETASP.NETMaster Pages | Web Master Pages | Web

PartsParts

ASP.NETASP.NETMaster Pages | Web Master Pages | Web

PartsParts

ASP.NETASP.NETMaster Pages | Web PartsMaster Pages | Web Parts

ASP.NETASP.NETMaster Pages | Web PartsMaster Pages | Web Parts

.NET.NETVB | C#VB | C#

.NET.NETVB | C#VB | C#

IRMIRMIRMIRM

Open XMLOpen XMLOpen XMLOpen XML

Couples rich UI with back-end systems

Utilizes MOSS Services

OBA Architecture PatternsOBA Architecture Patterns

MOSS portal is the primary UI

Exposes LOB information through Web Parts

Smart Client, Ent. Mashup

Fits in heterogeneous environments

Office Clients Portal Clients Hybrid Clients

WPWP

MOSS ServicesMOSS Services

LOB SystemsLOB Systems

WPWP

WPWP


WPWPWPWP

RibbonRibbon

Task Task PanePane

MOSS ServicesMOSS Services


Presentation Layer




Data Services Layer


Lending Message Bus





CatalogCatalog



FormatsFormats


FrameworkFramework

Presentation LayerPresentation Layer

Office UI extensibilityContextual ribbons

Tight integration with Office by using task panes and ribbons

Application-level add-ins

.NET-managed code extensibility

Presentation Layer—Clients Presentation Layer—Clients 1 of 21 of 2

New UI customization model

Application-level task panes

Consistent model between applications

Create and deploy application-specific functionality

Add your own tabs, built-in tabs, and contextual tabs


Add-inAdd-in

VSTOVSTO

Services WSS / MOSS Web services

RibbonRibbon

Task Task PanePane

CoreCoreFeaturesFeatures

StorageStorage

Word, Excel, and PowerPointOverhauled UI to create new user experience (UX)

Enhanced integration with WSS and other data sources

New XML-based file format to enhance integration and interoperability

OutlookNew object model for developers

Enhanced search and RSS feeds

WSS integration with tasks, scheduling, and list synchronization

Office Client Integration Office Client Integration

Excel 2007Excel 2007

PowerPoint 2007PowerPoint 2007

Outlook 2007Outlook 2007 Exchange ServerExchange Server

Other Databases & Web Services

Other Databases & Web Services

WSS “V3”WSS “V3”

Word 2007Word 2007

ECM ECM IntegrationIntegration

Enterprise Enterprise SearchSearch

Business Data Business Data CatalogCatalog

Role-BasedRole-Based

Web Service Web Service IntegrationIntegration

ECM ECM IntegratioIntegratio

nn

Web Part page in WSS is designed withOne instance of SPWebPartManager classOne or more SPWebPartZones Editor zones and Catalog zones supplied by WSS pages

Web Part ArchitectureWeb Part Architecture

Web Part 3Web Part 3



SPWebPartManagSPWebPartManagerer

Editor PartsEditor Parts

Catalog PartsCatalog Parts

Editor ZoneEditor Zone

Catalog ZoneCatalog Zone

SPWebPartZone (Right)SPWebPartZone (Right)



SPWebPartZone (Left)SPWebPartZone (Left)

Visio

VisioVisioXMLXML

Word, Excel, Powerpoint

OpenOpenXMLXML

Design time views

Modelling

XML Support Under the CoversXML Support Under the Covers

Word processing standard

Extends BI

InfoPath

CustomCustomXMLXML

Application-centric

Tech and industry standards– based

XML allows Office information to flow freely through the enterprise

New opportunities to share information with customers

Information can be surfaced through Office applications more easily

Generating documents in Word

Where Open XML Documents Can be Where Open XML Documents Can be UsedUsed

XML

ExcelExcel

Your site can generate documents on demand

Generate documents from live back-end data

Eliminate cut-and-paste from Web pages

Provide rich offline experience

Scenario: Document GenerationScenario: Document Generation

Spreadsheet with your

account data

Your Bank’s Web site

Your Bank’s Web site

Pluggable architectureYou can design your own inspector

Add yours through exposed COM interface

Some possibilities:‘Sensitive’ words, phrases, or topics

Content marked confidential

VerifiableNew file format allows for external verification

Document Extensibility ScenariosDocument Extensibility Scenarios

Web ServicesWeb Services

WSS Adapters and Object ModelWSS Adapters and Object Model

Remote Client

Client or Web Parts

Extending MOSSExtending MOSS

SharePoint Server

InfoPath ArchitectureInfoPath Architecture

Generate and render HTML (using script)

ValidationExecute calculationsExecute rulesEditing actions(All using script)

Post back event log via XMLHTTP

Return updated data array

Download script and data array

BrowserBrowserBrowserBrowser

WSS

Generate

MOSS Servers

Replay event log

XSN

XSN

XSN, XML loaded Business logic execution

Rich XML transformation, conditional formatting calculations, data access, and validation

Developer productivity gains

Extensibility SharePoint Web Part

InfoPath client option

Smart Client

Online/offline capabilities

Native XML support

Why InfoPath?Why InfoPath?

Validated based on MISMO schemaDrag XML elementsForm saves standardized MISMO XML to document libraryVersioning of auditing of the loan occurs automatically

InfoPath Loan Application ScreenInfoPath Loan Application Screen

<?xml version="1.0" encoding="utf-8"?><xs:schema xmlns="http://tempuri.org/MORTGAGE_APPLICATION_v2_1"

elementFormDefault="qualified" targetNamespace="http://tempuri.org/MORTGAGE_APPLICATION_v2_1"

xmlns:xs="http://www.w3.org/2001/XMLSchema"><xs:element

name="LOAN_APPLICATION">

<xs:complexType><xs:sequence>

<xs:element minOccurs="0" maxOccurs="1" ref="_DATA_INFORMATION" <xs:element minOccurs="0"

maxOccurs="1" ref="ADDITIONAL_CASE_DATA" /><xs:element minOccurs="0" maxOccurs="1" ref="AFFORDABLE_LENDING" />

<xs:element minOccurs="0" maxOccurs="unbounded" ref="ASSET" /> <xs:element minOccurs="0"

maxOccurs="unbounded" ref="DOWN_PAYMENT" /><xs:element minOccurs="0"

maxOccurs="1" ref="GOVERNMENT_LOAN" /><xs:element minOccurs="0"

maxOccurs="1" ref="INTERVIEWER_INFORMATION" />

<?xml version="1.0" encoding="utf-8"?><xs:schema xmlns="http://tempuri.org/MORTGAGE_APPLICATION_v2_1"

elementFormDefault="qualified" targetNamespace="http://tempuri.org/MORTGAGE_APPLICATION_v2_1"

xmlns:xs="http://www.w3.org/2001/XMLSchema"><xs:element

name="LOAN_APPLICATION">

<xs:complexType><xs:sequence>

<xs:element minOccurs="0" maxOccurs="1" ref="_DATA_INFORMATION" <xs:element minOccurs="0"

maxOccurs="1" ref="ADDITIONAL_CASE_DATA" /><xs:element minOccurs="0" maxOccurs="1" ref="AFFORDABLE_LENDING" />

<xs:element minOccurs="0" maxOccurs="unbounded" ref="ASSET" /> <xs:element minOccurs="0"

maxOccurs="unbounded" ref="DOWN_PAYMENT" /><xs:element minOccurs="0"

maxOccurs="1" ref="GOVERNMENT_LOAN" /><xs:element minOccurs="0"

maxOccurs="1" ref="INTERVIEWER_INFORMATION" />

MISMO XSD

Forms are first-class e-mail items in Outlook 2007

Easy access to forms within Outlook

Property promotion in Outlook folders

Export to Excel and Merge functionality within Outlook

Offline experience

InfoPath E-Mail FormsInfoPath E-Mail Forms

E-Mail

Application Services LayerApplication Services LayerPresentation Layer




Data Services Layer


Lending Message Bus





CatalogCatalog



FormatsFormats


FrameworkFramework

Anatomy of Loan Application Anatomy of Loan Application ServicesServices

Operating System Platform ServicesOperating System Platform Services

WSS Core ServicesWSS Core Services

MOSS Application ServicesMOSS Application Services

DatabaseDatabase SearchSearch WorkflowWorkflow

ASP.NET (Web Parts, Personalization, Master Pages, Provider Model for navigation, security, and so on)

ASP.NET (Web Parts, Personalization, Master Pages, Provider Model for navigation, security, and so on)

Collaboration

Collaboration

ECMECM PortalPortal SearchSearch BPMBPM BIBI ProjectProject

StorageRepositoryMetadataVersioningBackup

StorageRepositoryMetadataVersioningBackup

SecurityRights/RolesPluggable AuthPer ItemRights Trimming

SecurityRights/RolesPluggable AuthPer ItemRights Trimming

MgmtAdmin UXDelegationProvisioningMonitoring

MgmtAdmin UXDelegationProvisioningMonitoring

TopologyConfig MgmtFarm ServicesFeature PolicyExtranet

TopologyConfig MgmtFarm ServicesFeature PolicyExtranet

Site ModelRenderingTemplatesNavigationVisual Blueprint

Site ModelRenderingTemplatesNavigationVisual Blueprint

APIsFields/Forms OM and SOAPEventsDeployment

APIsFields/Forms OM and SOAPEventsDeployment

Presentation Layer and Presentation Layer and Application ServicesApplication Services

Composite Style UI Architecture

UI Driven by User Context

Active Directory

SQL Server

BDC

XML Cache

Content Management Services

BDC Architecture OverviewBDC Architecture Overview

Web Web PartsParts

Web Web ServicesServices

MetadataMetadata


Ws Ws ProxyProxy ADO.NETADO.NET

DatabasDatabasee

ListsLists SearchSearch User User ProfileProfile

Custom Custom AppsApps

List StoreList Store Search Search IndexIndex

Profile Profile StoreStore

Business Data Catalog Connects Business Data Catalog Connects Users to LOB DataUsers to LOB Data

MetadataMetadata

MetadataMetadata


Ws Ws ProxyProxy ADO.NETADO.NET

Using the BDC for the Loan Using the BDC for the Loan PipelinePipeline

Pipeline Web PartPipeline Web Part


Workflow MapWorkflow Map

Master Loan Flow (MLF)Activate Loan Active Loan Save Lock Services Underwriting Close

InfoPath Flows Registration Pricing LockRegistration Pricing Lock

Approval ProcessApproval Process

IntegrationServices

UnderwritingRules

Decision Engine

Enterprise Loan Orchestrations (ELO)

Products and Pricing Flow (PPF)RateEntry

ApprovalProcesse

s

RatesPublishe

d

BlackoutOver

WSS hosts the WF runtime engine within its processWSS provides custom

implementations of the necessary services

Workflow ArchitectureWorkflow Architecture

Partner/ISV Partner/ISV ApplicationsApplicationsOffice ClientsOffice Clients WSS in WSS in

BrowserBrowser

Windows SharePoint Services

Windows Workflow Foundation

WF Runtime Engine

Workflow ModelWorkflow Model

SchedulerScheduler RulesRules TrackingTracking

Base Host Providers

TransactionsTransactions

RolesRoles TrackingTracking MessagingMessaging

PersistencePersistence NotificationsNotifications


Lender Worksheet Excel Client Integration

Workflow CollectionsDocument Document LibraryLibrary

Farm-Level Farm-Level Workflow Workflow

Association Association TableTable

Rate AlertsRate Alerts

Persist to Persist to DatabaseDatabase

LOB IntegrationLOB Integration


Underwriter Outlook IntegrationLoan Origination System

WFWF

3. Loan 3. Loan Approval Approval Form SentForm Sent

4. Return 4. Return Signed with Signed with ManualManualCorrectionsCorrections

BizTalkBizTalk

Office Office SharePoint SharePoint Server 2007Server 2007

1. 1. Underwriter Underwriter Rules FiredRules Fired

2. MLF 2. MLF Starts UW Starts UW WorkflowWorkflow

Master Loan Flow (MLF)

Activate Loan Active Loan Save Lock Services Underwriting Close

Underwrite

r (UW) Embedded InfoPath

Form with IRM Protection

SystemsBusiness

Users

Human vs. System WorkflowHuman vs. System Workflow

Information worker–drivenUser interface–centricUnstructured dataProcess controls navigation and UI elements

Application–driven or Business Rules–drivenApplication interface–centric (Services)Structured dataWorkflow controls application-level and enterprise-level business logic

Human WorkflowSystem

Orchestration

MLF Human WorkflowMLF Human Workflow

Human workflow controlled by MOSS 2007

System workflow controlled by BizTalk 2006

Integration orchestration services controlled by BizTalk

Workflow SeparationWorkflow Separation

MOSS BizTalk

Document Generation Document Generation ArchitectureArchitecture

Business Processes and Applications

Application Server Platform

XMLXML

System OfSystem OfRecordDBRecordDB

TemplateTemplateForms/DocumentsForms/Documents

ArchivalArchival

Policy CreationPolicy CreationLoan OriginationLoan Origination

BizTalk.NETBizTalk.NETRules EngineRules Engine

Document Specialist Client UserWord Word

Document Document Viewing, Viewing, Printing, Printing,

and Editingand Editing

InfoPath InfoPath Data EditingData Editing

.NET Document Generation .NET Document Generation ServiceService

OptionalOptionalBusinessBusinessProcessProcess

OrchestrationOrchestration

Step 1: Step 1: Create or Edit the Document Create or Edit the Document TemplatesTemplates

<?<?xmlxml versionversion="1.0"?>="1.0"?><<xs:schemaxs:schema

targetNamespacetargetNamespace="urn:="urn:Company.Dept.ProjectCompany.Dept.Project" " xmlnsxmlns="urn:="urn:Company.Dept.ProjectCompany.Dept.Project" " xmlns:xsxmlns:xs="http://www.w3.org/2001/XMLSchema">="http://www.w3.org/2001/XMLSchema">

<<xs:elementxs:element namename=“=“CustomerCustomer">"><<xs:complexTypexs:complexType /> />

</</xs:elementxs:element>></</xs:schemaxs:schema>>

<?<?xmlxml versionversion="1.0"?>="1.0"?><<xs:schemaxs:schema

targetNamespacetargetNamespace="urn:="urn:Company.Dept.ProjectCompany.Dept.Project" " xmlnsxmlns="urn:="urn:Company.Dept.ProjectCompany.Dept.Project" " xmlns:xsxmlns:xs="http://www.w3.org/2001/XMLSchema">="http://www.w3.org/2001/XMLSchema">

<<xs:elementxs:element namename=“=“CustomerCustomer">"><<xs:complexTypexs:complexType /> />

</</xs:elementxs:element>></</xs:schemaxs:schema>>

Business User Business User uses Word to edit and link Word template uses Word to edit and link Word template with Business schema (business schema previously with Business schema (business schema previously created by the technical staff)created by the technical staff)

TemplateTemplateDocument StoreDocument Store(RDBMS, Content(RDBMS, Content

Management Store)Management Store)

Business UserBusiness User

Microsoft Microsoft WordWord

Business User stores Business User stores template in the template template in the template repositoryrepository

TemplateTemplateDocument StoreDocument Store(RDBMS, Content(RDBMS, Content

Management Store)Management Store)

BRE Rules BRE Rules ComposerComposer

Business User builds Business Rules and links the rules Business User builds Business Rules and links the rules into into

the Word templatethe Word template


Microsoft Microsoft WordWord

Step 2: Step 2: Optional. Add Business Rules to Word Optional. Add Business Rules to Word TemplateTemplate

Business User stores Business User stores template in the template template in the template repositoryrepository

Step 3: Step 3: Generate Final DocumentsGenerate Final Documents

XMLXML

BizTalk.NETBizTalk.NETRules EngineRules Engine

Document Document Picker UIPicker UI

Word Word TemplatesTemplates

Business DataBusiness DataAnd TextAnd TextLibraryLibrary

Framework-Provided Framework-Provided Document Generation Document Generation Service. Service. Enterprise reusable Web service. . Uses framework-Uses framework-provided integration provided integration services to retrieve services to retrieve business data from business data from System-Of-RecordSystem-Of-Record

Business User uses framework-provided Business User uses framework-provided document picker UI to select templates and document picker UI to select templates and generate the business documentsgenerate the business documents

Final Business Document. Final Business Document. Business data merged and Business data merged and embedded rules executed. embedded rules executed. Document generated.Document generated.

MicrosoftMicrosoftWordWord

PDFPDFDocumentDocument

OtherOtherFormatsFormats


.NET Document Generation Service.NET Document Generation Service

XMLXML XMLXML

Content ManagementStore closed loan documents in CM

Archive, retrieval

Checkout, versioning

Enterprise Content Management Enterprise Content Management (ECM)(ECM)

Records managementLoan document Aging required for compliance

AuditingUser auditing required across the board

Labels and barcodesBarcode generator usually needed

Barcode Deal keys

IRM protectionDigital signatures stored with documents

ECM: Policy And ComplianceECM: Policy And Compliance

Required to solve loan-processing data synchronization issues

Validate Deal-keyed data

Search for Deals

Orchestrate scanning and validation

ECM: Imaging and ValidationECM: Imaging and Validation

Lending Message BusLending Message BusPresentation Layer




Data Services Layer


Lending Message Bus





CatalogCatalog



FormatsFormats


FrameworkFramework

Lending Message BusLending Message Bus

Architecture

MISMO XML

MISMO XML

FannieMae Files

Custom XML

Orchestration Orchestration ServicesServices

Business Rules Business Rules EngineEngine

MISMO MISMO AcceleratorAccelerator

XML XML AdapteAdapte

rr

File File AdapteAdapte

rr

FilesFile

Landing Zone

Benefits

Centralized management layer for message communications

Internal and external message management

Intelligent message routing

Unification of multiple lending systems

Interoperability between legacy systems

Services governanceVersion control, life cycles, provisioning, and so on

Lending Message BusLending Message Bus

BRE and OrchestrationsBRE and OrchestrationsPresentation Layer




Data Services Layer


Lending Message Bus





CatalogCatalog



FormatsFormats


FrameworkFramework

Enterprise-wide orchestration layer

Breaks down application and LOB silo barriers

Three core functions:Loan Decision Engine

Integration Services

Underwriting Rules

Native integration with BRE

Orchestration LayerOrchestration Layer

Enterprise Loan Orchestrations (ELO)

Decision Decision EngineEngine

IntegratioIntegration n

ServicesServices

UnderwritinUnderwriting Rulesg Rules

Orchestration Layer—Orchestration Layer—Orchestration Orchestration and BRE Integrationand BRE Integration

PoliciesPolicies

BizTalk BREBizTalk Orchestration

WorkflowWorkflow

BizTalk Orchestratio

n

WF Workflow

RulesRules

Master Loan FlowMaster Loan Flow

Orc

hest

rati

on W

eb

Orc

hest

rati

on W

eb

Serv

ices

Serv

ices

Facts

True / False

Returned Facts

Data Services LayerData Services LayerPresentation Layer




Data Services Layer


Lending Message Bus





CatalogCatalog



FormatsFormats


FrameworkFramework

Reporting Services

SQL Server

Develo

pm

en

t Tools

Integration Services

Analysis services

Man

ag

em

en

t Tools

One platform for all data servicesBusiness intelligence though Reporting and Analytical ServicesData-oriented integration though SSIS

Tight integration with MOSS Report Web PartsDelivery of reports to document librariesSearchable content

Office 2007 integration (Excel, Word, Outlook)

Data Services Layer Data Services Layer 1 of 31 of 3

Loan Loan InformationInformation

StoreStore


Supporting the Business Process Through Federated Data

Master Loan Flow (MLF)Activate Loan Active Loan Save Lock Services Underwriting Close

Secondary Systems

Servicing Systems

Origination Systems

Underwriting Systems


Reporting Services ArchitectureBrowserBrowser OfficeOffice Custom AppCustom AppBuilderBuilder

Security Services (NT, Passport,

Custom)

Delivery Channels (E-mail, Sharepoint,

Custom)

DeliveryDelivery

SecuritySecurityData ProcessingData Processing

RenderingRendering

Report ProcessingReport ProcessingReport ModelReport ModelData Sources (SQL, OLE DB, ODBC,

and so on)

Output Formats (HTML, Excel, TIFF,

Custom)

Addressing Enterprise Addressing Enterprise ConcernsConcerns

Physical ArchitecturePhysical Architecture

Enterprise ServicesEnterprise ServicesExchange

ServerActive

Directory

MOSS and IIS Server

SQL ServerBizTalk

Application Servers

Easier to deployDiscrete composite application parts

Centralized server-side components

Fits into current deployment modelsOffice client COM-based add-ins

Click-once Smart Clients

Uses existing solutions to reduce the amount of deployment

Forms controlled by the server for Online and Offline modes

DeploymentDeployment

MOSS and IIS Server

MOSS Data Stores based on SQL Server

Workflows can span across physical boundaries

MOSS Application Tier and Web Tier can be separated

Individual components such as Excel Services can be isolated

ScalabilityScalability

BizTalk

Orchestrations and the Business Rules Engine can be separated

Orchestrations can span physical boundaries

Web Services can exist on the same machine or span to a dedicated machine

SQL Server

Reporting services provide highly optimized data access

Clustering

Data can span to many sources

Many storage options (with SAN and NAS)

FarmThe highest-level scope for a WSS deployment

An installation of one of more Web servers and back-end servers

Each WSS farm has one and only one configuration database

Web applicationAn IIS Web site extended with WSS

Entry point capable of hosting tens of thousands of site collections

Site collectionUnit of scale and ownership containing top-level site

Stored in one specific content database

SiteMany-per-site collection

Uses same content DB as parent site

Scale the ArchitectureScale the Architecture

User Requests

Content Database

1

Content Database

2

Configuration Database SSP DatabaseSearch Database

ECS Server

(mirrored)

ECS Server

Search Servers

Indexing Servers

Fault-tolerant server infrastructureEliminate single points of failure

High performance and scalabilityAvoid resource bottlenecks

Security Reduce downtime due to breaches

Backups and disaster recoveryRecover from catastrophic failures

Server High AvailabilityServer High Availability

Open standards used throughout the architecture

Each layer communicates via XML

MISMO XML is used everywhere that is applicable

Ensures interoperability between solutions

Partner networks interoperate

Open StandardsOpen Standards

http://www.mismo.org/default.html

Interoperability Interoperability System Inputs

Loan IntegrationLoan IntegrationLoan IntegrationLoan Integration

Loan IntegrationLoan IntegrationLoan IntegrationLoan Integration

GovernmentBank to BankThird-Party

Services

Fax Machine Phone

User Input E-Mail

BizTalk Message

Bus

Point Integrations

Existing Loan and LOB SystemsExisting Loan and LOB SystemsExisting Loan and LOB SystemsExisting Loan and LOB Systems

1. View business data

2. Binary interaction

3. Web Services

Bridging Technology Bridging Technology



WebDav WebDav ServicesServicesWebDav WebDav ServicesServices

UIUIServicesServices

UIUIServicesServices

Business Logic & Workflow Business Logic & Workflow CompositionComposition

Business Logic & Workflow Business Logic & Workflow CompositionComposition

PresentationPresentationPresentationPresentation

Business Business Logic & Logic &

Workflow Workflow CompositionComposition











Web Services Adapter

sBDC

DBDB DBDBDBDB

DBDB

Connecting MOSS and BizTalkConnecting MOSS and BizTalk

WCFWCFWCFWCF WSS WSS AdaptersAdapters

WSS WSS AdaptersAdapters .NET.NET.NET.NET

MOSS

OrchestrationsOrchestrations OrchestrationsOrchestrations

BizTalk

.NETMOSS

Adapter

Web Service

s

Windows Mobile

Smart ClientTablet

Application

MISMO XML

ExtensibilityExtensibility

LOB SystemsLegacy

Systems

Web Service Web Service ProxyProxy

Web ServicesWeb Services

Many scenarios:Intranet architectures

Extranet architectures

Internet architectures

Communications Architecture Communications Architecture 1 of 31 of 3


Query Server

HTTP: 80SSL: 443Custom

SQL Server

File and PrintUDP: 137, 138

TCP: 139SMB: TCP/UDP

445

Encryption Server

TCP: 135

Search IndexingTCP: 80SSL: 443

TCP/SSL: 1433

Custom

TCP: 5737SSL: 56738

Custom

Web Services

Forms Server

Excel Server

Index Server

Identity Server

SQL Server Third-Party Services

File Landing Zone


HTTP SOAPSSL

HTTP SOAPSSL

HTTP - SOAP

CIFS HTTP SOAPSSL

TCP/IP

Files

BizTalk

MISMO MISMO AcceleratorAccelerator

OrchestratioOrchestration Servicesn Services

MOSS

Windows Windows Workflow Workflow

FoundationFoundation

Relies on SharePoint for both authentication and authorization

Only spreadsheets from trusted locations can be loaded

Only data from trusted sources can be loaded

Security Security 1 of 31 of 3

Visible information can be controlled at several levels:

Entire spreadsheet

For each sheet

For each set of named items (named ranges, charts, Pivot Tables, and so on)

Code that extends Calculation Services can be controlled by using CAS



Active Directory

Brokers

Lending Personnel

Other Other Enterprise Enterprise

Identity Identity ProvidersProvidersManaged by Managed by

AD Groups:AD Groups:• AdministratorAdministrator• UnderwriterUnderwriter• BrokerBroker• Broker Broker AdminAdmin

IWAIWA

IWA

IWA

IRM for InfoPath formsEnabled by end userEnabled by form author

Integration with IRM in Outlook

InfoPath attachments inherit e-mail protection

Integration with IRM in SharePoint

WSS is the content ownerClient enforces protection applied on downloadv

Loan Origination System

Office Office SharePoint SharePoint

Server 2007Server 2007WF

Information Rights ManagementInformation Rights Management

Underwriter (UW)

Embedded InfoPath Form with

IRM Protection

All development under one IDE (Visual Studio)

Unified communications architecture

Application and enterprise

Single sign-on

Composite style architecture

Rich workflow capabilitiesSelf-service information worker workflows

Maintainability Maintainability

AppendixAppendix

Recommended resources

Financial Services Architecture Center http://msdn.microsoft.com/FinServArch

Mike Walker’s Blog http://blogs.msdn.com/MikeWalker MSDN Solution Architecture Center http://msdn.microsoft.com/architecture

Microsoft Patterns & Practices http://msdn.microsoft.com/practices/

http://msdn.microsoft.com/practices/

http://msdn.microsoft.com/FinServArch





http://blogs.msdn.com/MikeWalker




http://msdn.microsoft.com/architecture

http://msdn.microsoft.com/architecture


Loan Origination Reference Architecture Deep Dive

Technology

Transcript of Loan Origination Reference Architecture Deep Dive