Họ và tên: Hồ Dương Tuấn Vũ
MSSV: HE180133
Topic 1:
In order to get full flow for loan application, the CEO decides to build a loan
originate system (LOS) in which banker agencies will introduce customer to
the system to get rewards. When the banker agency registers in the LOS
platform and They are provided with a unique referral code or link to track
their referrals. The banker agency approaches potential customers and
refers them to the LOS platform. The referred customers apply for a loan
using the unique referral code/link provided by the agency. During
registration, customer need to provide personal information such as:
Identification number, date of birth, relative forms, income, salary balances
and other insurance documents if have. The LOS team reviews the loan
application for basic eligibility criteria. If customer is under18 years, the loan
is rejected immediately. Otherwise the loan application is considered as the
application process and reward process of banker agency is counted.
The application goes through the underwriting process for further verification
and risk assessment in 3 steps as. Firstly, the legal team starts looking at the
uploaded documents and ensure that those documents are suitable and be
correct. If not they use LOS to let banker agency to inform customer to
update the documents. When document is completed and review, the second
step on risk department to review the document on LOS and check bad loan
in LOS. In order to have bad loan information, LOS need to connect with Data
center to get the information. Customer need to have bad loan in level 1 or 2
to get application process continue. In case of having bad loan in level 3,
customer need to prove other funds to repay. After having bad loan
information, risk department assign to strategy group to check the limit of
loan for customer.
If loan application is approved, the banker agency is notified of the
successful referral.
Question 1: Draw the Context diagram for the topic above
Question 2: draw use case and describe list of use case for those topic
Question 3: Draw 3 business rules shown in the topic
Question 4: Draw state diagram for reward status process and describe them
in status detail.
Question 1:
Question 2:
# Use Case Actors Description
Apply for a Loan Customer The customer applies for a loan on the LOS platform
using a unique referral code or link provided by the
UC-01
banker agency. This initiates the loan application
process.
Provide Personal Customer During the loan application, the customer provides
Information personal information, including identification details
UC-02
and other relevant documents (such as insurance
documents), if available.
Banker The banker agency registers on the LOS platform,
UC-03 Register Agency enabling them to refer customers and track their
referrals.
LOS Upon successful registration, the LOS generates a
unique referral code or link for the banker agency,
Generate Referral allowing them to track their referrals for reward
UC-04
Code/Link purposes.
Banker The banker agency uses the generated referral code
Refers Potential
UC-05 Agency or link to refer potential customers to the LOS
Customers
platform for loan applications.
Legal Team The Legal Team reviews the documents submitted
by the customer. If any documents are missing or
Verify or Request
UC-06 incorrect, they request updates through the LOS,
Document Updates
prompting the banker agency to inform the
customer to provide the required documents.
Review the Risk The Risk Department reviews the verified
UC-07 Document and Departmen documents and assesses the risk by checking for
Check Bad Loan t any bad loan records associated with the customer.
Data Center The LOS connects to the Data Center to obtain the
Returns Bad Loan customer’s bad loan status, categorized into levels
UC-08
Levels (1, 2, or 3) (1, 2, or 3). This information helps the Risk
Department in the assessment process.
LOS After completing the document review and bad loan
Returns Risk check, the Risk Department provides a risk
UC-09
Assessment Results assessment result to the LOS, which determines
whether the application should continue.
Strategy The LOS sends the application to the Strategy Group
Returns Loan Limit Group for final loan limit assessment. The Strategy Group
UC-10
Decision returns the loan limit decision, which indicates the
maximum allowable loan amount for the customer.
Banker If the loan application is successful, the LOS tracks
Agency, and calculates the reward for the banker agency
UC-11 Track Reward LOS based on the successful referral, ensuring the
banker agency is rewarded for referring a customer
who completes a loan application.
Question 3:
ID Business Rule Business Rule Description
The LOS platform requires customers to be at least 18 years old to apply for
a loan. During the application review stage, the system automatically checks
BR1 Minimum Age Requirement
the customer's date of birth. If the customer is under 18, the loan
application is immediately rejected, and no further processing occurs.
All documents submitted by the customer must be verified by the Legal
Team. Upon submission, the Legal Team checks documents for
completeness and accuracy. If any document is missing or incorrect, the LOS
BR2 Document Verification Process
platform flags the application. The Banker Agency is notified through the
LOS to request the customer to update or re-upload the required
documents.
The Risk Department performs a bad loan status check for each customer.
The LOS platform connects with the Data Center to retrieve the customer’s
bad loan level. If the level is 1 or 2, the application process proceeds as
BR3 Bad Loan Level Check
normal. However, if the bad loan level is 3, the customer must provide proof
of additional funds to demonstrate repayment capability before continuing
with the loan application.
Question 4:
State Description
Referral_Submitted The reward process begins when a banker agency submits a
referral for a customer. The referral is logged in the system,
awaiting further action.
Application_Submitted The customer has submitted a loan application using the referral
code/link. The application is now under review by LOS.
Application_Approved The application is approved by LOS, triggering the reward
eligibility check for the banker agency.
Application_Rejected The loan application has been rejected by LOS, making the
referral ineligible for a reward.
Reward_Eligibility_Check LOS verifies if the referral qualifies for a reward based on
predefined criteria (e.g., successful application, valid referral).
Reward_Calculated The reward amount for the banker agency is calculated based on
the referral. This may depend on loan type, referral success, or
other criteria.
Reward_Granted The reward is granted to the banker agency, marking the
successful completion of the reward process.
Reward not granted The reward process ends without a reward being granted
because the loan application was rejected.
