automation of loan generation and servicing

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Automation of Loan Generation And Servicing A Mainframe Online Project ~ Aritra Mukherjee

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A project on Automation of loan Generation and Servicing using CICS, DB2, and COBOL.

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Page 1: Automation of loan generation and servicing

Automation of Loan Generation And ServicingA Mainframe Online Project

~ Aritra Mukherjee

Page 2: Automation of loan generation and servicing

Capgemini

Under The Guidance of

Navin Kumar(Senior Consultant)

Capgemini India, Pune

Page 3: Automation of loan generation and servicing

MainframeThe Mighty Beast

1

• Super Computer

2• Mainframe

3• Mini Computer

4

• Micro Computer

Page 4: Automation of loan generation and servicing

Stable Backward Compatible

ReliableSince 1960s

Secure Never Hacked

MainframeSome Facts….

• 70% of entire data of the planet is stored on Mainframe.

• Can Support more than 25000 users simultaneously

• It takes 3 Days to Boot-up

• Takes a month to install and customize a basic OS.

• Can process 450 millions of transaction per day

• No virus ever attacked on Mainframe.

Page 5: Automation of loan generation and servicing

Technologies Used

Operating System

z/OS

Programming

Language

Cobol

Database

DB2

Transaction Server

CICS

Program Controller

JCL

Page 6: Automation of loan generation and servicing

The ApplicationWhat It Does…

• Calculates loan eligibility

• Calculate Max Loan

• Grants/Rejects Loan

• Calculates EMI

• Generates unique Customer Number

• Automates Payment

• Applies Interests, Fines

• Generates Reports

• Generates Letters

Page 7: Automation of loan generation and servicing

Modules

Automation of Loan Generation and

Servicing

Routines

Payment

Application

• Online• Batch

Application

• Online• BatchPayment

• Rate Routine• Date RoutineRoutines

Page 8: Automation of loan generation and servicing

Application Online

Application Online

•Personal Details

•Rating Details

Function 1

•Loan Details

Function 2 •Confirmation

of Loan Details

Function 3

Process

Page 9: Automation of loan generation and servicing

Function 1Validations….

Field Name Valid Value

First Name Alphabet

Last Name Alphabet

Address Line 1 Alphabet, Alphanumeric, Special Characters

Address Line 2 Low Values, Blank,Alphabet, Special Characters, Alphanumeric

Pin Number, Must be greater than 100000

Source Code TV, RD, IN, FD, NP, ZZ

Field Name Valid Value

DOB Valid Date (including Leap Year), Past date, Separator should be ‘-’,Age should be between 18 to 50

Salary Number, Must be greater than equal to 5000

Asset Value Low Values, Blank, spaces, zeroes or positive numbers

Confirm Rating Details

‘Y’

Personal Details Rating Details

Page 10: Automation of loan generation and servicing

Function 1What it does….

• Validates each fields

• Throws the map if anytime validation fails

• Calls to DATE ROUTINE to validate DOB.

• Calls to RATE ROUTINE to calculate Max Loan Amount

Page 11: Automation of loan generation and servicing

Function 1Continued….

030000*****************************************************************030100* THIS PART DOES THE FOLLOWING * 030200* TAKES INPUT CUSTOMER PERSONAL * 030300* AND * 030400* RATING DETAILS *030500*******************************************************************030600 B110-SEND-DETAILS-RTN. 030700 PERFORM B111-ERR-RTN030800 THRU B111-EXIT. 030900 PERFORM B112-RECEIVE-RTN 031000 THRU B112-EXIT. 031100 IF FLP-VALIDATION-OK 031200 PERFORM B113-VALIDATE-CUST-DTLS-RTN031300 THRU B113-EXIT 031400 END-IF. 031500 B110-EXIT. 031600 EXIT.

Page 12: Automation of loan generation and servicing

Function 2Validations….

Field Name Valid Value

Loan Amount Number, Greater than equal to 10000, Must be less than equal to Max Loan Amount

Repayment Period

Number, Must be between/including 6 and 240

Confirm Loan Details

Alphabet, ‘Y’ or ‘N’ or Blank

Loan Details

Page 13: Automation of loan generation and servicing

Function 2What it does….

• Validates each fields

• Throws the map if anytime validation fails

• Calls to RATE ROUTINE to calculate EMI

• Validates EMI

Page 14: Automation of loan generation and servicing

Function 2Continued….

084200*****************************************************************084300* THIS PART DOES THE FOLLOWING * 084400* TAKES INPUT LOAN DETAILS * 084500***************************************************************** 084600 B300-LOAN-DTLS. 084700 INITIALIZE FLP-VALIDATION 084800 FLP-EMI 084900 MOVE '013' TO FLP-WS-ERR-CODE. 085000 PERFORM B310-LOAN-RTN 085100 THRU B310-EXIT 085200 UNTIL FLP-EMI-OK. 085300 PERFORM B320-CONFIRMATION-RTN 085400 THRU B320-EXIT. 085500 B300-EXIT. 085600 EXIT.

087400***************************************************************** 087500* THIS PART DOES THE FOLLOWING * 087600* TAKES INPUT OF LOAN DETAILS * 087700***************************************************************** 087800 B311-SEND-LOAN-RTN. 087900 PERFORM B111-ERR-RTN 088000 THRU B111-EXIT. 088100 PERFORM B112-RECEIVE-RTN 088200 THRU B112-EXIT. 088300 IF FLP-VALIDATION-OK 088400 PERFORM E100-VALIDATE-LOAN-DTLS-RTN 088500 THRU E100-EXIT 088600 END-IF. 088700 B311-EXIT. 088800 EXIT.

Page 15: Automation of loan generation and servicing

Function 3What it does….

• Selects last generated customer number from database

• Generates new customer number

• Updates in the database

• Creates new loan record and inserts into database

• Display New Generated customer number

Once customer confirms LOAN DETAILS..

Page 16: Automation of loan generation and servicing

Function 3Continued….

100400***************************************************************** 100500* THIS PART DOES THE FOLLOWING * 100600* INSERTS RECORD IN APP-MASTER TABLE * 100700***************************************************************** 100800 B400-INSERTION-RTN. 100900 PERFORM B410-SELECT-LAST-CUST-NUM 101000 THRU B410-EXIT. 101100 PERFORM B420-GENERATE-CUST-NUM 101200 THRU B420-EXIT. 101300 PERFORM B430-CHECK-CUST-NUM 101400 THRU B430-EXIT. 101500 IF FLP-CUST-NUM-VALID 101600 PERFORM B440-UPDATE-CUST-NUM-GENR 101700 THRU B440-EXIT 101800 IF FLP-CUST-NUM-VALID 101900 PERFORM B450-INSERT-APP-DETAILS 102000 THRU B450-EXIT 102100 END-IF 102200 END-IF. 102300 IF FLP-CUST-NUM-INVALID

102400 SET FLP-RETURN-YES TO TRUE 102500 PERFORM B111-ERR-RTN 102600 THRU B111-EXIT 102700 PERFORM B112-RECEIVE-RTN 102800 THRU B112-EXIT102900 END-IF. 103000 B400-EXIT. 103100 EXIT.

Page 17: Automation of loan generation and servicing

RoutinesWhat Its Do….

Date Routine Rate Routine

• VP – Validate a date (Date should be

• VP – Validate a date (Date should be valid and less than equal to current date).

• FD – Calculate a future date (For a given date and number of months).

• DF – Difference between 2 dates (In months and Years).

less than equal to current date).

• VP – Validate a date (Date should be

• R – Calculates Max Loan Amount

• Max Loan Amt = [(5 * Salary/month)*(55-Age)] + [0.3 * Assets Value].

• E – Calculates EMI.

• X = Loan Amount + {Loan Amount * n/12 * r}

• EMI = X/n.

Page 18: Automation of loan generation and servicing

DFD

User Input

 

User Input

 User Input

 

Invalid Input

 

Invalid Input

 Invalid Input

 

Result

 

Calculate Max Loan Amount

 Result

 Calculate Age

 

Result

 

Calculate EMI

 

EMI

 Latest

Cust No

Update Cust No

Insert New Loan

Record

 Invalid Input

 

Valid Input

 

Output

 

Check

DOB

 

1.0

Personal and Rating

Details

1.3

Loan Details

1.2

Rating Routine

1.1

Date Routine

CUST_NUM_GENR

1.4

Confirm Loan

Details

APP_MSTR

User

Page 19: Automation of loan generation and servicing

DB2 Tables

FIELD NAME PIC VALUE REMARKS

CUST_NUM X(10) Primary Key

APP_FIRST_NAME X(20) Not Null

APP_LAST_NAME X(20) Not Null

APP_ADDR_LINE1

X(30) Not Null

APP_ADDR_LINE2

X(30)  

APP_PIN 9(06) Not Null

APP_SRC_CODE

X(02) Not Null

APP_DOB X(10) Not Null

APP_LOAN_AMT

9(07).9(02) Not Null

APP_REPAY_PERIOD

9(04) COMP Not Null

APP_EMI_AMT 9(06).9(02) COMP-3

Not Null

APP_LOAN_DATE X(10) Not Null

APP_LOAN_STAT X(01) Not Null

FIELD NAME PIC VALUE REMARKS

CUST_NUM

X(10) Primary Key

CUST_NUM_TSP

X(26) Not Null

Page 20: Automation of loan generation and servicing

CICS

Send Map

047200*****************************************************************047300* THIS PART DOES THE FOLLOWING * 047400* UNPROTECTS CONFIRMATION FIELD *047500***************************************************************** 047600 C200-UNPROTECT-CONFIRMATION. 047700 MOVE DFHBMPRO TO FNMDFA. 047800 MOVE DFHBMPRO TO LNMDFA. 047900 MOVE DFHBMPRO TO AD1DFA. 048000 MOVE DFHBMPRO TO AD2DFA. 048100 MOVE DFHBMPRO TO PINDFA. 048200 MOVE DFHBMPRO TO SCDDFA. 048300 MOVE DFHBMPRO TO DOBDFA. 048400 MOVE DFHBMPRO TO SLRYDFA. 048500 MOVE DFHBMPRO TO ASVLDFA. 048600 MOVE DFHBMPRO TO CFDTDFA. 048700 MOVE DFHBMPRO TO LAMTDFA. 048800 MOVE DFHBMPRO TO RAMTDFA. 048900 MOVE DFHBMPRO TO EMIDFA. 049000 MOVE DFHBMUNP TO CLNDFA. 049100 C200-EXIT. 049200 EXIT.

Page 21: Automation of loan generation and servicing

Error Codes001 PLEASE ENTER PERSONAL AND RATING DETAILS & PRESS ENTER

002 FIRST NAME CANNOT BE BLANK OR NUMERIC

003 LAST NAME CANNOT BE BLANK OR NUMERIC

004 INVALID ADDRESS – PLEASE CHECK

005 INVALID PIN – PLEASE CHECK

006 INVALID SOURCE CODE – PLEASE CHECK

007 INVALID DOB – PLEASE CHECK

008 INVALID DAY – PLEASE CHECK

009 INVALID MONTH – PLEASE CHECK

010 INVALID YEAR – PLEASE CHECK

011 INVALID AMOUNT – PLEASE CHECK

012 CONFIRM RATING DETAILS SHOULD BE ‘Y’

013 PLEASE ENTER LOAN DETAILS AND PRESS ENTER

014 ENTER ‘Y’ TO CONFIRM LOAN OR ENTER NEW LOAN DETAILS TO RECALCULATE EMI

015 CONFIRM LOAN DETAILS SHOULD BE ‘Y’ OR ‘N’ OR ‘ ‘

016 LOAN AMOUNT CANNOT BE GREATER THAN MAX LOAN AMOUNT

017 REPAYMENT PERIOD SHOULD BE BETWEEN/INCLUDING 6 - 240

018 DETAILS UPDATED.THANK YOU. HAVE A NICE DAY!

019 INVALID KEY PRESSED. ENTER/PF3/CLEAR – VALID KEYS

020 GOOD BYE…HAVE A NICE DAY!

021 AGE CANNOT BE MORE THAN 50 YRS OR LESS THAN 18 YEARS

022 SORRY, LOAN CANNOT BE ISSUED

025 SEPERATOR SHUOLD BE ‘-‘

027 CRITICAL ERROR. INVALID FUNCTION – PLEASE CHECK

Err

or

Co

de

s

Page 22: Automation of loan generation and servicing