End-to-end Credit Card Business Solution End-to-end Credit Card Business Solution
End-to-end Credit Card Business Solution
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Solution Overview
End-to-end Credit Card Business Solution
Sunline End-to-end Credit Card Business Platform runs through the full life period of commercial banks' credit cards, providing overall IT solutions including risk control, accounting, management and marketing. Among them, the core business system is based on the concept of microservices and unified distributed architecture which adopts the loose coupling mode of each competency center in their construction. The pre-loan approval system takes a rich risk control strategy model as the foundation of pre-loan risk prevention and control, which integrates card issuance approval, amount adjustment approval, large-sum installment approval, anti-fraud application, risk control and detection rules. The post-loan management system can identify, analyze and measure the asset credit risk status of credit granting customers in a timely manner as well as realize the automation of collection business and tracking of the entire process. The big data risk control and intelligent marketing platform covers the whole link management from precision marketing at the user end to risk management at the operation end through the integration of online scene, automatic process and intelligent risk control decision.
Scheme architecture

Solution Advantages
Customer oriented
Customer oriented
Sunline insists on a user-oriented and scenario-oriented Internet-based service concept, taking product as the main line to pan-financial products allows users to freely choose independent or shared account
Advanced system architecture
Advanced system architecture
The design concept of transaction-level sub-account is introduced, the quota management of tree structure is adopted and the whole chain of data drives, such as pre-loan approval, fraud processing, transaction access and transformation, authorization processing and transaction pricing are realized based on the distributed unit system architecture
Diversified institutions and channels
Diversified institutions and channels
Multi-agency management provides strategy-driven efficient risk model and processing mode while multi-channel access achieves external data integration and comprehensive monitoring of transactions, ensuring security and scalability of the business
Efficient and flexible system
Efficient and flexible system
Establishes efficient and flexible label system and data mart that uses machine learning, deep learning and other artificial intelligence technologies to get maximize data value chain and fully realize on-line scene, automatic process, intelligent risk control and decision
Solution Values
Reshape customer experience
Reshape customer experience
Sunline follows the concept of integrated financial services which treats the user as its core and through the design principle of multi-level account, the ‘island’ dilemma of user information is broken, the personalized needs of customers are more accurately reached and the high-quality comprehensive user experience is brought
Business integration
In addition to the typical business forms of credit cards, Sunline End-to-end Credit Card Business Solution also supports consumer credit, scenario finance and other financial forms to realize product innovation of each form through process-based production process and flexible product pricing capacity
Business integration
Reshape card account model
Reshape card account model
Sunline End-to-end Credit Card Business Solution breaks the rigid structure, reducing the rigid constraint of introducing new products and new functions to be more adaptable towards flexible changes of the market and fine control of quota, ultimately minimizing risk of using the card
Digital operation
Through data-driven decision making and product innovation, product improvement and operational optimization, marketing analysis and business decisions are realized to provide maximum convenience, efficiency and reliability for new transactions, business types and business rules adjustment
Digital operation
Microservices
Microservices
The introduction of microservices design and concept reduces frictions between different functions and different products, reduces the difficulty and risks of system maintenance as well as brings essential improvement to the robustness, maintainability and sustainability of the system
Costs saving
Adopts microservices and distributed architecture enabling investments of hardware and software resources to be dynamically adjusted. Through the construction of management-oriented big data risk control and intelligent marketing platform, the operation and management efficiency of banks will be greatly improved to realize intelligent refined marketing and management
Costs saving
Channel integration
Channel integration
Sunline End-to-end Credit Card Business Solution integrates third-party data access, anti-fraud application, transaction risk detection, other channels and peripheral systems to provide panoramic customer portrait display and risk disposal basis for risk control and management of the whole loan process which effectively reduces customer credit risk and improves debt recovery rate
Product Composition
End-to-end Credit Card Business Solution
Credit card core business system
Credit card application approval system
Credit card risks detective system
Credit card post-loan warning system
Credit card debt-collection tracking system
Credit card big data risks control platform
Credit card precision marketing system
Related program recommendation
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