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This document is a product of the User-Managed Access Work Group. It records the scenarios and use cases governing the development of the User-Managed Access protocol and guiding associated implementations and deployments, and outlines technical issues raised thereby.
Please use the scenario template near the end of this document copy and revise an existing scenario in adding new scenarios and subordinate use cases. Each scenario is created as a separate child wiki page with a name like xyz_scenario and then linked from here. Change the status keyword in each scenario and use case title as appropriate, linking to the meeting minutes page explaining the status change:
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Submitted by: Domenico Catalano
The Economy downturn and the Financial institution crisis have introduced new needs to increase the control on loan or mortgage request process verifying user credit information and user status, in order to reduce financial risks.
Online Personal loan request is a specific use case in which a user/customer apply a request for a personal loan to a financial service.
To approve or reject the loan request, the financial service must verify many user personal information from different Service Provider/host. For instance, the amount of monthly user salary (i.e. 3 last monthly salary) from user's Employer, user bank account information (account number, net) and need to access to the user credit information (credit history, score, ect.) from the Financial Risk central service.
Today, human interactions are based on online access to Financial Risk Central Service, by Financial service operator, or operator telephone call to user's bank to verify account or to the user's Employer to verify employee status, ect.
Distintive aspects:
- A Consumer (requesting service) that needs a collection of information from multiple sources
- A high-value, privacy-sensitive transaction
- Ensuring that information about the user is third-party verified by using the third parties directly as SPs/Host
Actors:
- User as Authorizing User
- Financial Service as Requesting Service
- User's Employer as Host (salary information)
- User Bank as Host (user account information)
- Financial Risk central service as Host (user credit information)
- Authorization Manager
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