Analysis And Design Of Credit Card Paperless Audit System Based On Workflow And Business Rules

At present, the credit card business has entered a stage of rapid development in China. All domestic banks have increased the intensity of the credit card development. On the contrary, in domestic banks the audit work of the credit card still widely uses manual methods. As the applications are circulated in a number of the audit processes, it takes a long time, high operating costs and low efficiency. Meanwhile, due to differences in staff's experience, the approval results are different so that the risk of the credit card is difficult to control. So we urgently need to improve the quality and efficiency of the credit card's auditing work and need to effectively control the risks, through optimizing and reforming the current business processes, with the help of the computers.Through researching and studying the current mainstream of business rules technologies and workflow technologies, analyzing the current business processes, and combined with practical business requirement and goals, this thesis presents the idea of the workflow technology and business rules technology integrated into the credit card audit system. In the stage of the system design, the operation of the business process is analyzed, process model is designed based on the Petri net methodology, the rationality of the process is analyzed, and the system is designed based on this process model. Meanwhile, the business rules required in the implementation of the process, are classified and analyzed, and the rule flow and object models are designed, and with the help of the functions and methods of the rules management software, business people writing their own rules are satisfied. Ultimately based on the workflow and business rules technology, credit card paperless audit system is realized. In addition, the migration work of historical data is a key factor in the success of this project. In this thesis after the analysis of historical data, the idea of historical data migration is that using SAS software for data migration with multiple migration implement.Credit card paperless audit system, uses workflow technology to automate the process and reduce the audit cycle; uses business rules technology to achieve the automation of the audit process and efficiently control of the audit risk. At the same time, the requirements of the confidentiality on the business rules are satisfied through the business people writing their own business rules. In addition, the system will integrate workflow and business rules. Business rules engine is called by workflow engine to achieve audit process and the result of the implementation of the business rules determines the workflow's follow-up processes, so that flexible scheduling of the process is achieved.Credit card paperless audit system is developed and deployed with the current mainstream platform J2EE, and it has many interfaces for the systems in company or outside the company, example the Credit Card System and Message Platform in company, and the People's Bank Credit System outside the company and so on. With the help of the J2EE platform and the use of the technologies of the workflow and the business rules, this system is able to adapt efficiently large throughput requirements of audit operation and the ability to the control of the risk is greatly enhanced. It has strong scalability and flexibility.