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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
RAP for Loan Origination Systems RAP for Loan Origination Systems 2 of 32 of 3
Rich media—Webcasts and podcasts about Reference Architecture
Hands-on lab—Scripted application scenario, self-paced online training
RAP for Loan Origination Systems RAP for Loan Origination Systems 3 of 33 of 3
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
LOB SystemsLOB Systems
WPWPWPWP
RibbonRibbon
Task Task PanePane
MOSS ServicesMOSS Services
LOB SystemsLOB Systems
Presentation 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
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
Presentation Layer—Clients Presentation Layer—Clients 2 of 22 of 2
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
Web Part 4Web Part 4
Web Part 5Web Part 5
SPWebPartManagSPWebPartManagerer
Editor PartsEditor Parts
Catalog PartsCatalog Parts
Editor ZoneEditor Zone
Catalog ZoneCatalog Zone
SPWebPartZone (Right)SPWebPartZone (Right)
Web Part 1Web Part 1
Web Part 2Web Part 2
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
Application Services LayerApplication Services LayerPresentation 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
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
Business Data Business Data CatalogCatalog
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
Business Data Business Data CatalogCatalog
Ws Ws ProxyProxy ADO.NETADO.NET
Using the BDC for the Loan Using the BDC for the Loan PipelinePipeline
Pipeline Web PartPipeline Web Part
Web Web ServicesServices
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
Presentation Layer—Clients Presentation Layer—Clients 1 of 21 of 2
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
Presentation Layer—Clients Presentation Layer—Clients 2 of 22 of 2
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
Business UserBusiness User
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
Business UserBusiness User
.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
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
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
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
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
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
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
Data Services Layer Data Services Layer 2 of 32 of 3
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
Data Services Layer Data Services Layer 3 of 33 of 3
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
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
Web Web ServicesServices
Web Web ServicesServices
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
Business Business Logic & Logic &
Workflow Workflow CompositionComposition
Business Business Logic & Logic &
Workflow Workflow CompositionComposition
Business Business Logic & Logic &
Workflow Workflow CompositionComposition
Business Business Logic & Logic &
Workflow Workflow CompositionComposition
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
Communications Architecture Communications Architecture 2 of 32 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
Communications Architecture Communications Architecture 3 of 33 of 3
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
Security Security 2 of 32 of 3
Security Security 3 of 33 of 3
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/
Recommended