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					  InterFirst Wholesale Lending
    A Division of Standard Federal Bank




InterFirst Fax Automation System
               (IFAS)



        Analysis Document



                  Draft 2
               April 6, 1999




               Prepared By


        Pyramid Solutions, Inc.
            1850 Research Drive
              Troy, MI 48083
               248-524-3890
                 InterFirst Wholesale Lending Fax Automation System Analysis Document


                                                Table of Contents
1.  Introduction .............................................................................................................. 1
  1.1 Purpose ............................................................................................................... 1
  1.2 Background ......................................................................................................... 1
  1.3 System Overview ................................................................................................ 1
2. User Processing ....................................................................................................... 3
  2.1 Common Processing ........................................................................................... 3
  2.2 Common Image View User Interface ................................................................... 4
  2.3 Common Data Entry User Interface .................................................................... 4
  2.4 Common Query/Status User Interface ................................................................ 4
    2.4.1 Common Query/Status Criteria User Interface .............................................. 5
    2.4.2 Common Query/Status Summary Results ..................................................... 6
    2.4.3 Common Query/Status Detail Results ........................................................... 7
  2.5 Reports .............................................................................................................. 10
    2.5.1 Area Summary by Day ................................................................................ 10
    2.5.2 Operator Summary by Day .......................................................................... 15
    2.5.3 Area Summary by Hour ............................................................................... 20
  2.6 Underwriting ...................................................................................................... 25
    2.6.1 Underwriting Menu User Interface ............................................................... 25
    2.6.2 Underwriting Data Entry User Interface ....................................................... 26
    2.6.3 Underwriting Printing ................................................................................... 27
    2.6.4 Underwriting Query/Status User Interface ................................................... 27
  2.7 SAIL .................................................................................................................. 28
    2.7.1 SAIL Menu User Interface ........................................................................... 28
    2.7.2 SAIL Data Entry User Interface ................................................................... 29
    2.7.3 SAIL Printing ............................................................................................... 30
    2.7.4 SAIL Query/Status User Interface ............................................................... 30
  2.8 Ratelock ............................................................................................................ 31
    2.8.1 Ratelock Menu User Interface ..................................................................... 32
    2.8.2 Ratelock Data Entry User Interface ............................................................. 32
    2.8.3 Ratelock Printing ......................................................................................... 33
    2.8.4 Ratelock Query/Status User Interface ......................................................... 34
  2.9 Funding ............................................................................................................. 35
    2.9.1 Funding Menu User Interface ...................................................................... 36
    2.9.2 Funding Data Entry User Interface .............................................................. 36
    2.9.3 Funding Printing .......................................................................................... 37
    2.9.4 Funding Query/Status User Interface .......................................................... 37
  2.10 Customer Service User Interface ...................................................................... 38
  2.11 Administrative Interface ..................................................................................... 38
3. Technical Information ............................................................................................. 39
  3.1 Information Flow ................................................................................................ 39
  3.2 User Security ..................................................................................................... 41
  3.3 Document Server .............................................................................................. 41
    3.3.1 Fax Collector ............................................................................................... 41
    3.3.2 Retention Manager ...................................................................................... 42
  3.4 Database Server ............................................................................................... 42
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  3.4.1 Taskmaster 2000 ......................................................................................... 42
  3.4.2 Oracle Database ......................................................................................... 43
3.5 Fax Servers ....................................................................................................... 43
3.6 Datacap Recognition Servers ............................................................................ 44
3.7 User Workstations ............................................................................................. 44




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1. Introduction

1.1 Purpose
The purpose of this document is to describe the results of a short analysis process
undertaken by the InterFirst and Pyramid Solutions’ design team. This document will
contain both user requirements and technical requirements. It will help to ensure that
the deliverables being provided by Pyramid Solutions are clearly understood, agreed
upon, and documented before the system is implemented.

The fundamental purpose of the InterFirst Fax Automation System (IFAS) is to provide a
reliable solution for inbound fax services that will provide significant benefits to the
Underwriting, SAIL, Ratelock, and Funding within InterFirst.

1.2 Background
The system being developed is fundamentally a replacement of an existing series of
automated and non-automated fax systems in use at InterFirst. During the process of
talking with the users and gathering requirements the design team identified a number
of areas where improvements could be made. Many of these improvements have been
included in the new system and many others have been deferred until a future project
phase.

The new InterFirst Fax Automation System (IFAS) will not significantly change the initial
business processes in place today. IFAS includes new hardware and software
deployed in an integrated fashion in order to achieve significant improvements in
system robustness and availability as well as being year-2000 compliant. The
foundation built by this phase 1 implementation will serve additional requirements in the
future.

1.3 System Overview
The system will provide the ability to capture faxes electronically and automate the
routing processes to the appropriate departments. Users will have the ability to view an
electronic representation of the captured fax and annotate and print the document to
facilitate other InterFirst processing. More complete workflow processing will be
discussed after phase 1 is successfully implemented. The system will store the
incoming faxes in a common image format and allow multi-user access.

This system will be scalable to allow for growth and future functional needs. The design
principals will also allow for additional hardware configurations to support future
departments as needed.

The InterFirst Fax Automation System users include three groups within InterFirst:
Underwriting/SAIL, Ratelock, and Funding. A fundamental requirement of the system is

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that it be robust and redundant in order to limit system downtime. System downtime
has a direct financial impact to InterFirst.

The diagram below gives an overview of the hardware and software components that
are being deployed:



                                                                       D ocum ent S tor ag e
                                                                       5 4 0 G B o f fi b e r - c h a n n e l
                                                                       s to r a g e




                                                                      D LT T ap e Lib r ar y
D atab as e S er v er

 Ful l y r edu ndant
 s e r v e r s (c l u s te r e d ) ,
                                           D ocum ent S er v er
 O r a c l e 8 e n te r p r i s e                                                          Fax S er v er s (6)
 d a t a b a s e (fa i l s a fe            Ful l y r edu ndant s er v er s




                                                                                                                                      T1 Li nes
 c o n fi g u r a t i o n ) ,              (c l u s te r e d ),
                                                                                            O ptus Fac s y s F ax s e rv er
 D a ta c a p T a s k m a s te r           W i n d o w s N T E n te r p r i s e
                                                                                            s o f tw a r e , M i c r o s o f t
 2 0 0 0 w o r k fl o w                    S erv er
                                                                                            W i n d o w s N T w o r k s ta ti o n ,
 s o f tw a r e ,
                                                                                            4 8 p o r ts e a c h s e r v e r , 1
 W i ndow s NT
                                                                                            s pa re s er v er
 E n te r p r i s e S e r v e r




                                                             LAN




                                                     D atacap
                                                     Recog nition
                                                     S er v er s
                                                     (3 on- line, 1 s p ar e)
                                                                                                                P has e 1 U s er s
                                                                                                                (250)
                                                      Datacap Paper
                                                      Key board OCR/ICR                                         Windows 95/98,
                                                      sof tware,                                                Custom Application
                                                      Windows NT
                                                      Workstation

Figure 1

The InterFirst Fax Automation System (IFAS) consists of four types of servers:
Database Server, Document Server, Recognition Servers, and Fax Servers. The flow
of data and the role of each of these servers is described in section 3.




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2. User Processing
This section describes the various user processing and graphical user interfaces (GUIs)
that are part of this system.

2.1 Common Processing
One of the design goals is to identify commonality among the three processing areas
and reuse design and software where possible.

Each of the three areas has a similar process flow as follows:

    1. Documents arrive via fax and are converted to an image file
    2. Transmission is queued for processing by the appropriate area
    3. Processors login to the network, start the processing application, and select
       items from the queue in a first-in-first-out order
    4. Processors view the image, and perform data entry by entering pertinent index
       information into a simple GUI application
    5. When the user completes the data entry a text annotation containing key
       transaction information (such as Loan Number) is automatically placed on the
       image and it is printed.

This essentially is the end of processing relative to the Fax Automation System.
Additional processing takes place within InterFirst that is currently beyond the scope of
this system.




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2.2 Common Image View User Interface




This screen is very similar to the current image viewer in use at InterFirst. The only
difference is that a Local Print button has been added to allow users to print to their
default Windows printer

2.3 Common Data Entry User Interface
A process that is common to all the processing areas is that users perform data entry
for an image and then save the changes and print the document.

A deficiency in the old system is that a single fax transmission that contains several
documents can only be indexed as a single document. This deficiency has been
corrected in this system. Please refer to the various data entry screens shown in the
sections below for further information.

2.4 Common Query/Status User Interface
A common Query/Status GUI will be developed to replace a series of screens that were
present in the current system. The Query/Status GUI will provide greater flexibility and
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will allow users to easily find documents or check system status in a variety of new
ways.

2.4.1 Common Query/Status Criteria User Interface
The Query Status Criteria GUI is shown below followed by a description of its features:




This screen will be used in several ways. The CSR’s and System Administrator will call
the screen directly. The processors will call this screen by pressing the status button
from one of the processing menus. The screen will look slightly different depending on
how and where it is called. The screen above is what appears when the Funding user
presses the Status button.

The user is presented with a number of fields, which can be used to query for
documents. Each of the fields is described below:

 Area            In some cases the user will be able to select a specific area (Ratelock,
                 Funding, etc.) or ALL areas. In other cases this will not be an option.
 Sender ANI      This is the actual phone number that the user sent the fax from.
 Sender CSID     This is the number that is configured in the senders fax machine.
 Status          When document arrive they are given a status of NEW. When they
                 have been processed they are given a status of COMPLETE.
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 Transmission     The fax transmission status can be either OK or FAILED.
 Disposition      The fax disposition status can be either ON-LINE or ARCHIVE.
                  Archive means the document has expired and has been moved off-
                  line.
 Date/time        The user will be able to select the date and time in several ways. First,
 Info             the user must select whether to query by the “Receive Time” or
                  “Complete Time”. The Receive Time is when the fax was received and
                  the Complete Time is when the item was processed.

                  Secondly, the user can select a specific date and time range. The
                  fields will present edit masks that make it easy to enter the date in a
                  mm/dd/yyyy format and time in a “hh:mm am” format.

                  Finally, the user can select a “Relative” time from one of the following:
                  Today, Yesterday, Current Week, Last 5 Minutes, Last 30 Minutes,
                  Last 60 Minutes.

Once the query criteria has been entered the user can press either the Summary or
Detail button to see a results screen. The result screens are described in the next
section.

2.4.2 Common Query/Status Summary Results
When the Summary button is pressed on the Criteria screen the summary screen is
shown. This screen will be very similar to the existing “Progress” screens that the
current system displays.




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2.4.3 Common Query/Status Detail Results
The Detail button on the Query/Status criteria screen causes a detailed data listing to
appear, as shown below:




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The two screens shown above are actually the same screen but the second is scrolled
to the right so that all the fields can be seen.

The details result screen will have different features depending on the user that is using
it. What is shown above is all of the features available. Only the System Administrator
would have these features. The CSRs for instance will only be able to View and Print
documents.

The buttons, their usage, and security are descibed in the table below. It is implied that
the SysAdmin user group will have all the features.

Button           Description                                      Users
View             Allows the user to view the fax. No              All
                 changes can be made.
Process          Allows the user to show the fax in               CSR, UWAdmin, Mgr
                 processing mode. This will present the
                 same screen that a processor sees to
                 annotate and print a document.
Print            Prints one or more documents using               All
                 standard Windows printing. Note, this
                 print will print a specific document, not
                 necessarily all the pages in the
                 transmission. In the event that a
                 transmission has more than one
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                  document the entire fax transmission is
                  not printed.
Bulk Print        Will be used to manually move a group            UWAdmin
                  of documents into the COMPLETE state
                  and then print them. If any documents
                  are already complete or are locked by a
                  user for processing, a warning message
                  will be issued asking the user to skip this
                  document, continue or cancel.
Delete            Allows the system administrator to               SysAdmin
                  delete one or more documents. This will
                  not actually delete document, but will set
                  a delete_flag field in a database record.
                  Deleted faxes will move off the system
                  as part of the archiving process.
Refresh           Re-query based upon the previously               All
                  entered criteria.
Select All        Select all the rows that are part of the         All
                  query.

The window above will be implemented using a “data-aware control”. This will allow for
more efficient manipulation of data and will provide features such as the ability to sort
rows by any of the columns by simply selecting the column header.




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2.5 Reports
The scope of the project includes the development of three reports. One of the design
objectives is to capture sufficient information so that other reporting requirements can
be met in the future.

2.5.1 Area Summary by Day
The purpose of this report is to present a summary of fax traffic by day based upon a
date range entered by the user. The user will enter the following criteria:

     1. Area (Funding, Ratelock, Underwriting, SAIL, or ALL)
     2. Date range

The graphical user interface used to input criteria for generating reports will look similar
to the screen designed below. The results from this report launch are represented
below.




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This is the report generated from the report launch above:

                                                                                  Page 1 of 1
                                 Area Summary by Day
                       Created on April 1, 1999 at 10:45 AM by SSMITH
                                       Area: FUNDING
                                 Dates: 4/1/1999 - 4/2/1999


      Date               Received       Failed      Processed    Check   Wire
      -------------      --------       ------      ---------    -----   ----
      4/1/1999 Thur      324            8           291          190     101
      4/2/1999 Fri       424            19          285          175     110




      FUNDING Total      748            27          576          365     211




This report launch shows the criteria chosen as “Area Summary by Day” in
“Underwriting” from dates 4/1/99 to 4/2/99.




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This is the report generated from the report launch above:

                                                                                         Page 1 of 1
                                 Area Summary by Day
                       Created on April 1, 1999 at 10:45 AM by SSMITH
                                   Area: UNDERWRITING
                                 Dates: 4/1/1999 - 4/2/1999


      Date               Received       Failed      Processed    Jumbo   Govt     Conv
      -------------      --------       ------      ---------    -----   ----     ----
      4/1/1999 Thur      324            8           291          190     101      0
      4/2/1999 Fri       424            19          285          175     110      0




      UNDERWRIT Total 748               27          576          365     211      0




This report launch shows the criteria chosen as “Area Summary by Day” in “SAIL” from
dates 4/1/99 to 4/2/99.




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This is the report generated from the report launch above:


                                                                                         Page 1 of 1
                                 Area Summary by Day
                       Created on April 1, 1999 at 10:45 AM by SSMITH
                                           Area: SAIL
                                 Dates: 4/1/1999 - 4/2/1999


      Date               Received       Failed      Processed    Jumbo   Govt     Conv
      -------------      --------       ------      ---------    -----   ----     ----
      4/1/1999 Thur      324            8           291          190     101      0
      4/2/1999 Fri       424            19          285          175     110      0




      SAIL Total         748            27          576          365     211      0



This report launch shows the criteria chosen as “Area Summary by Day” in “Ratelock”
from dates 4/1/99 to 4/2/99.




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This is the report generated from the report launch above:


                                                                                  Page 1 of 1
                                 Area Summary by Day
                       Created on April 1, 1999 at 10:45 AM by SSMITH
                                      Area: RATELOCK
                                 Dates: 4/1/1999 - 4/2/1999


      Date               Received       Failed      Processed
      -------------      --------       ------      ---------
      4/1/1999 Thur      324            8           291
      4/2/1999 Fri       424            19          285




      RATELOCK Total 748                27          576




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2.5.2 Operator Summary by Day
The purpose of this report is to present a summary of the documents processed by an
operator, by day based upon a user entered date range. The user will enter the
following criteria:

   1. Area (Funding, Ratelock, Underwriting, SAIL, or ALL)
   2. Operator (or ALL)
   3. Date range

The graphical user interface used to input criteria for generating reports will look similar
to the screen designed below. The results from this report launch are represented
below.




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This is the report generated from the report launch above:

                                                                                         Page 1 of 1
                               Operator Summary by Day
                       Created on April 1, 1999 at 10:45 AM by SSMITH
                                       Area: FUNDING
                                         Operator: ALL
                                 Dates: 4/1/1999 - 4/2/1999



      Operator           Date               Processed        % of Total   Check   Wire
      --------           -------------      ---------        ----------   -----   ----
      SSMITH             4/1/1999 Thur      91               66.9%        70      21
                         4/2/1999 Fri       86               63.7%        65      21

      JJONES             4/1/1999 Thur 45                    33.1%        40      5
                         4/2/1999 Fri 49                     36.3%        29      20




      FUNDING Total      4/1/1999 Thur 136                                110     26
                         4/2/1999 Fri 135                                 94      41




This report launch shows the criteria chosen as “Operator Summary by Day” in
“Underwriting” from dates 4/1/99 to 4/2/99.




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This is the report generated from the report launch above:

                                                                                         Page 1 of 1
                               Operator Summary by Day
                       Created on April 1, 1999 at 10:45 AM by SSMITH
                                   Area: UNDERWRITING
                                         Operator: ALL
                                 Dates: 4/1/1999 - 4/2/1999

      Operator           Date               Processed        % of Total   Jumbo   Govt    Conv
      --------           -------------      ---------        ----------   -----   ----    ----
      SSMITH             4/1/1999 Thur      91               66.9%        70      21      0
                         4/2/1999 Fri       86               63.7%        65      21      0

      JJONES             4/1/1999 Thur 45                    33.1%        40      5       0
                         4/2/1999 Fri 49                     36.3%        29      20      0




      UNDERWRIT Total 4/1/1999 Thur 136                                   110     26      0
                      4/2/1999 Fri 135                                    94      41      0



This report launch shows the criteria chosen as “Operator Summary by Day” in “SAIL”
from dates 4/1/99 to 4/2/99.




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This is the report generated from the report launch above:

                                                                                         Page 1 of 1
                               Operator Summary by Day
                       Created on April 1, 1999 at 10:45 AM by SSMITH
                                           Area: SAIL
                                         Operator: ALL
                                 Dates: 4/1/1999 - 4/2/1999

      Operator           Date               Processed        % of Total   Jumbo   Govt    Conv
      --------           -------------      ---------        ----------   -----   ----    ----
      SSMITH             4/1/1999 Thur      91               66.9%        70      21      0
                         4/2/1999 Fri       86               63.7%        65      21      0

      JJONES             4/1/1999 Thur 45                    33.1%        40      5       0
                         4/2/1999 Fri 49                     36.3%        29      20      0




      SAIL Total         4/1/1999 Thur 136                                110     26      0
                         4/2/1999 Fri 135                                 94      41      0



This report launch shows the criteria chosen as “Operator Summary by Day” in
“Ratelock” from dates 4/1/99 to 4/2/99.




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This is the report generated from the report launch above:

                                                                                  Page 1 of 1
                               Operator Summary by Day
                       Created on April 1, 1999 at 10:45 AM by SSMITH
                                      Area: RATELOCK
                                         Operator: ALL
                                 Dates: 4/1/1999 - 4/2/1999

      Operator           Date               Processed        % of Total
      --------           -------------      ---------        ----------
      SSMITH             4/1/1999 Thur      91               66.9%
                         4/2/1999 Fri       86               63.7%

      JJONES             4/1/1999 Thur 45                    33.1%
                         4/2/1999 Fri 49                     36.3%




      RATELOCK Total     4/1/1999 Thur 136
                         4/2/1999 Fri 135




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2.5.3 Area Summary by Hour
The purpose of this report is to present a summary of fax traffic by hour based upon a
user entered date and time range. The user will enter the following criteria:

   1. Area (Funding, Ratelock, Underwriting, SAIL, or ALL)
   2. Date and time range

The graphical user interface used to input criteria for generating reports will look similar
to the screen designed below. The results from this report launch are represented
below.




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This is the report generated from the report launch above:


                                                                                         Page 1 of 1
                                 Area Summary by Hour
                       Created on April 1, 1999 at 10:45 AM by SSMITH
                                       Area: FUNDING
                                        Dates: TODAY

  Date              Hour        Received      Failed      Processed     Check     Wire
  -------------     ------      --------      ------      ---------     -----     ----
  4/1/1999 Thur     8:00AM      16            0           3             2         1
                    9:00AM      54            2           45            25        20
                    10:00AM     46            1           46            36        20
                    11:00AM     42            1           44            32        12
                    12:00PM     12            0           5             4         1
                    1:00PM      44            0           37            26        11
                    2:00PM      48            1           51            26        25
                    3:00PM      43            1           23            22        1
                    4:00PM      10            1           21            10        11
                    5:00PM      9             1           16            7         9


  FUNDING Total     4/1/1999    324           8           291                     190     101




This report launch shows the criteria chosen as “Area Summary by Hour” in
“Underwriting” from dates 4/1/99 to 4/2/99.




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This is the report generated from the report launch above:

                                                                                         Page 1 of 1
                                 Area Summary by Hour
                       Created on April 1, 1999 at 10:45 AM by SSMITH
                                   Area: UNDERWRITING
                                        Dates: TODAY

  Date              Hour        Received      Failed      Processed     Jumbo     Govt   Conv
  -------------     ------      --------      ------      ---------     -----     ----   ----
  4/1/1999 Thur     8:00AM      16            0           3             2         1      0
                    9:00AM      54            2           45            25        20     0
                    10:00AM     46            1           46            36        20     0
                    11:00AM     42            1           44            32        12     0
                    12:00PM     12            0           5             4         1      0
                    1:00PM      44            0           37            26        11     0
                    2:00PM      48            1           51            26        25     0
                    3:00PM      43            1           23            22        1      0
                    4:00PM      10            1           21            10        11     0
                    5:00PM      9             1           16            7         9      0


  UNDERWRIT Total 4/1/1999      324           8           291           190       101    0




This report launch shows the criteria chosen as “Area Summary by Hour” in “SAIL” from
dates 4/1/99 to 4/2/99.




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This is the report generated from the report launch above:

                                                                                         Page 1 of 1
                                 Area Summary by Hour
                       Created on April 1, 1999 at 10:45 AM by SSMITH
                                           Area: SAIL
                                        Dates: TODAY

  Date              Hour        Received      Failed      Processed     Jumbo     Govt   Conv
  -------------     ------      --------      ------      ---------     -----     ----   ----
  4/1/1999 Thur     8:00AM      16            0           3             2         1      0
                    9:00AM      54            2           45            25        20     0
                    10:00AM     46            1           46            36        20     0
                    11:00AM     42            1           44            32        12     0
                    12:00PM     12            0           5             4         1      0
                    1:00PM      44            0           37            26        11     0
                    2:00PM      48            1           51            26        25     0
                    3:00PM      43            1           23            22        1      0
                    4:00PM      10            1           21            10        11     0
                    5:00PM      9             1           16            7         9      0


  SAIL Total        4/1/1999    324           8           291           190       101    0




This report launch shows the criteria chosen as “Area Summary by Hour” in “Ratelock”
from dates 4/1/99 to 4/2/99.




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This is the report generated from the report launch above:

                                                                                  Page 1 of 1
                                 Area Summary by Hour
                       Created on April 1, 1999 at 10:45 AM by SSMITH
                                      Area: RATELOCK
                                        Dates: TODAY

  Date              Hour        Received      Failed      Processed
  -------------     ------      --------      ------      ---------
  4/1/1999 Thur     8:00AM      16            0           3
                    9:00AM      54            2           45
                    10:00AM     46            1           46
                    11:00AM     42            1           44
                    12:00PM     12            0           5
                    1:00PM      44            0           37
                    2:00PM      48            1           51
                    3:00PM      43            1           23
                    4:00PM      10            1           21
                    5:00PM      9             1           16


  RATELOCK Total 4/1/1999       324           8           291




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2.6 Underwriting
The Underwriting process requires the capture of the following index information:

 Field                      Description                                  From           Data Type
 Recv_timestamp             Actual date and time of the fax              Fax Server     Date
                            transmission.
 Fax_Server_num             Number of the fax server                     Fax Server     Number(3)
 Fax_Server_line            Number of the fax server line                Fax Server     Number(3)
 Sender_ani                 The actual phone number of the caller        Fax Server     Number(10)
                            as retrieved from the phone company
 Sender_csid                Information retrieved from the senders       Fax Server     Char(15)
                            fax machine.
 Complete_timestamp         Date and time when user processing is        Internal       Date
                            competed. NULL until completed               programs
 Processor_userid           Network login of the processor               Internal       Char(15)
                                                                         program
 Failed_flag                Internal flag (Y or N) that identifies the   Fax Server     Char(1)
                            fax as incomplete, or as having some
                            other transmission error
 Archive_flag               Internal flag (Y or N) that identifies the   Retention      Char(1)
                            fax as having been archived.                 manager
                                                                         program
 Delete_flag                Internal flag (Y or N) that identifies the   User with      Char(1)
                            fax as having been deleted.                  special
                                                                         privileges
 Page_count                 Pages in the fax                             Internal       Number(4)
                                                                         programs
 Page_start                 Page within the file that the fax begins     Internal       Number(4)
                                                                         programs
 Loan_num                   InterFirst loan number                       User           Number(10)
 Borrower_lname             Last name of the borrower                    User           Char(20)
 Processor_note             Text note entered by the processor           User           Char(20)
                            (optional)
 UW_Dept                    Used in underwriting to determine the        User           Char(8)
                            type of loan: JUMBO, GOVT, CONV
                            (default is CONV)
 Broker_id                  Code that identifies the broker              Based on       Number(8)
                                                                         sender_ani
                                                                         lookup** and
                                                                         User



2.6.1 Underwriting Menu User Interface
The Underwriting Menu User Interface is shown below.




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When the user starts the application the program will automatically check that the user
has authority to access the screen. To begin processing a document the user presses
the Next Fax button (or presses Alt-N). The system will find the next document in the
queue, lock the record, make a copy of the document to the user’s local hard drive, and
display the Image Viewer and the Data Entry User Interface (see below).

Pressing the Query button will launch the Query/Status application in “Underwriting”
mode. When launched in this way, the user can only query documents that are part of
the Underwriting area. Refer to section 2.4 for detailed information regarding the
Query/Status application.

2.6.2 Underwriting Data Entry User Interface
The Data Entry User Interface is used to enter index information and perform document
separation on an incoming fax document. The screen is shown below:




The Loan Number is a required field that the user will read from the fax and enter before
pressing the Save/Print button. Some documents that arrive have not yet been
assigned a Loan Number. The user is required to enter borrower’s last name into the
Borrower field, select a Department (default is CONV), and optionally enter a
description.

If the Exit button is pressed and changes have been made, then the user will be asked if
they want to Save their changes, Save and Print, or Cancel.

A fundamental change has been made in the way multi-document transmissions are
handled. In the original system users could only enter data once for the entire fax
transmission. This presented problems when a single transmission contained multiple
fax documents. The new system will allow the data entry personnel to traverse through
the pages of a transmission and tell the system where the document breaks are. When
a document break is identified, the user will press the “First Page Marker” button and
then enter distinct information about the new document. This will allow more data to be
captured which will improve the accuracy of reports as well as improve document
retrieval capabilities.

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2.6.3 Underwriting Printing
When a user has completed data entry on an Underwriting condition and presses the
Save/Print button, the document is automatically annotated and printed to the default
Underwriting printer. There will be a configuration setting made on a system-wide basis
that will identify the default printers by name. This configuration can be overridden on
an individual workstation basis. A "Local Printer" button will be added to the image
viewer screen, which will allow users to print to any configured Windows printer.

2.6.4 Underwriting Query/Status User Interface
The Underwriting Query/Status screen is shown below. Refer to section 2.4 for a
general description of this screen.




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2.7 SAIL
The SAIL process requires the capture of the following index information:

 Field                      Description                                  From           Data Type
 Recv_timestamp             Actual date and time of the fax              Fax Server     Date
                            transmission.
 Fax_Server_num             Number of the fax server                     Fax Server     Number(3)
 Fax_Server_line            Number of the fax server line                Fax Server     Number(3)
 Sender_ani                 The actual phone number of the caller        Fax Server     Number(10)
                            as retrieved from the phone company
 Sender_csid                Information retrieved from the senders       Fax Server     Char(15)
                            fax machine.
 Complete_timestamp         Date and time when user processing is        Internal       Date
                            competed. NULL until completed               programs
 Processor_userid           Network login of the processor               Internal       Char(15)
                                                                         program
 Failed_flag                Internal flag (Y or N) that identifies the   Fax Server     Char(1)
                            fax as incomplete, or as having some
                            other transmission error
 Archive_flag               Internal flag (Y or N) that identifies the   Retention      Char(1)
                            fax as having been archived.                 manager
                                                                         program
 Delete_flag                Internal flag (Y or N) that identifies the   User with      Char(1)
                            fax as having been deleted.                  special
                                                                         privileges
 Page_count                 Pages in the fax                             Internal       Number(4)
                                                                         programs
 Page_start                 Page within the file that the fax begins     Internal       Number(4)
                                                                         programs
 Loan_num                   InterFirst loan number (optional)            User           Number(10)
 Borrower_lname             Last name of the borrower                    User           Char(20)
 Processor_note             Text note entered by the processor           User           Char(20)
                            (optional)
 UW_Dept                    Used in underwriting to determine the        User           Char(8)
                            type of loan: JUMBO, GOVT, CONV
                            (default is CONV)
 Broker_id                  Code that identifies the broker              Based on       Number(8)
                                                                         sender_ani
                                                                         lookup** and
                                                                         User


2.7.1 SAIL Menu User Interface
The SAIL Menu User Interface is shown below.




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When the user starts the application the program will automatically check that the user
has authority to access the screen. To begin processing a document the user presses
the Next Fax button (or presses Alt-N). The system will find the next document in the
queue, lock the record, make a copy of the document to the user’s local hard drive, and
display the Image Viewer and the Data Entry User Interface (see below).

Pressing the Query button will launch the Query/Status application in “SAIL” mode.
When launched in this way, the user can only query documents that are part of the SAIL
area. Refer to section 2.4 for detailed information regarding the Query/Status
application.

2.7.2 SAIL Data Entry User Interface
The Data Entry User Interface is used to enter index information and perform document
separation on an incoming fax document. The screen is shown below:




The Loan Number is an optional field that the user will read from the fax and enter
before pressing the Save/Print button. Some documents that arrive have not yet been
assigned a Loan Number. The user is required to enter borrower’s last name into the
Borrower field, select a Department (default is CONV), and optionally enter a
description.

A fundamental change has been made in the way multi-document transmissions are
handled. In the original system users could only enter data once for the entire fax
transmission. This presented problems when a single transmission contained multiple
fax documents. The new system will allow the data entry personnel to traverse through
the pages of a transmission and tell the system where the document breaks are. When
a document break is identified, the user will press the “First Page Marker” button and
then enter distinct information about the new document. This will allow more data to be
captured, which will improve the accuracy of reports as well as improve document
retrieval capabilities.




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2.7.3 SAIL Printing
When a user has completed data entry on a SAIL document and presses the Save/Print
button, the document is automatically annotated and printed to the default SAIL printer.
There will be a configuration setting made on a system-wide basis that will identify the
default printers by name. This configuration can be overridden on an individual
workstation basis. A "Local Printer" button will be added to the image viewer screen,
which will allow users to print to any configured Windows printer.

2.7.4 SAIL Query/Status User Interface
The SAIL Query/Status screen is shown below. Refer to section 2.4 for a general
description of this screen.




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2.8 Ratelock
Ratelock is the area most adversely affected by system downtime and data inaccuracy.
The new system will provide Ratelock with a dependable system, which uses OCR to
auto-populate tables for efficient data entry.

The Ratelock process requires capture of the following index information:

 Field                      Description                                  From            Data Type
 Recv_timestamp             Actual date and time of the fax              Fax Server      Date
                            transmission.
 Fax_Server_num             Number of the fax server                     Fax Server      Number(3)
 Fax_Server_line            Number of the fax server line                Fax Server      Number(3)
 Sender_ani                 The actual phone number of the caller        Fax Server      Number(10)
                            as retrieved from the phone company
 Sender_csid                Information retrieved from the senders       Fax Server      Char(15)
                            fax machine.
 Complete_timestamp         Date and time when user processing is        Internal        Date
                            competed. NULL until completed               programs
 Processor_userid           Network login of the processor               Internal        Char(15)
                                                                         program
 Failed_flag                Internal flag (Y or N) that identifies the   Fax Server      Char(1)
                            fax as incomplete, or as having some
                            other transmission error
 Archive_flag               Internal flag (Y or N) that identifies the   Retention       Char(1)
                            fax as having been archived.                 manager
                                                                         program
 Delete_flag                Internal flag (Y or N) that identifies the   User with       Char(1)
                            fax as having been deleted.                  special
                                                                         privileges
 Page_count                 Pages in the fax                             Internal        Number(4)
                                                                         programs
 Page_start                 Page within the file that the fax begins     Internal        Number(4)
                                                                         programs
 Loan_num                   InterFirst loan number                       OCR* and User   Number(10)
 Program_num                InterFirst loan program number               OCR* and User   Number(3)
 Borrower_lname             Last name of the borrower                    User            Char(20)
 Broker_id                  Code that identifies the broker              Based on        Number(8)
                                                                         sender_ani
                                                                         lookup** and
                                                                         User

*Loan number (loan_num) and Program Number will be automatically extracted from
the Ratelock document after the fax is received via OCR. The Ratelock form will be
redesigned in order to facilitate this recognition.

**When a fax is received the system will know the senders actual phone number
through the phone company provided ANI. This number will be used to improve data
entry throughput by mapping the number (in Oracle) to a broker_id. This will allow the
broker_id to automatically be populated in many cases. When a fax comes in without a

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known ANI the user will be required to enter the broker_id. After entry the system will
give the user an opportunity to save the ANI mapping in the lookup table.



2.8.1 Ratelock Menu User Interface
The Ratelock Menu User Interface is shown below.




When the user starts the application the program will automatically verify that the user
has authority to access the screen. To begin processing a document the user presses
the Next Fax button (or presses Alt-N). The system will find the next document in the
queue, lock the record, make a copy of the document to the user’s local hard drive, and
display the Data Entry User Interface (see below).

Pressing the Query button will launch the Query/Status application in “Ratelock” mode.
When launched in this way, the user can only query documents that are part of the
Ratelock area. Refer to section 2.4 for detailed information regarding the Query/Status
application.

2.8.2 Ratelock Data Entry User Interface
The Data Entry User Interface is used to enter index information and perform document
separation on an incoming fax document. The screen is shown below:




The Loan Number and the Program Number are required fields that may be pre-filled by
the OCR process. The user must verify that these values are accurate, and correct
them if necessary, before pressing the Save/Print button.

The Correspondent ID (same as Broker ID and Originator ID) field may be pre-filled by
the system by looking up the incoming phone number (ANI) in a table. The user may
pull up a list of valid Correspondent Ids by selecting the button to the right of the field. A
table will be maintained in Oracle that is derived from the MUPIT system.
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The Borrower field is an option field identifying the customer of the loan.

Pressing the Save/Print button updates the database annotates and prints the
document.

A fundamental change has been made in the way multi-document transmissions are
handled. In the original system users could only enter data once for the entire fax
transmission. This presented problems when a single transmission contained multiple
fax documents. The new system will allow the data entry personnel to traverse through
the pages of a transmission and tell the system where the document breaks are. When
a document break is identified, the user will press the “First Page Marker” button and
then enter distinct information about the new document. This will allow more data to be
captured, which will improve the accuracy of reports as well as improve document
retrieval capabilities.

In Ratelock, each page will automatically be identified as a separate document.

2.8.3 Ratelock Printing
When a user has completed data entry on a Ratelock document and presses the
“Save/Print” button, the document is automatically annotated and printed to the default
Ratelock printer. There will be a configuration setting made on a system-wide basis that
will identify the default printer by name. This configuration can be overridden on an
individual workstation basis. A "Local Printer" button will be added to the image viewer
screen, which will allow users to print to any configured Windows printer.




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2.8.4 Ratelock Query/Status User Interface
The Ratelock Query/Status screen is shown below. Refer to section 2.4 for a general
description of this screen.




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2.9 Funding
Users in the Funding area primarily process Funding Request documents. The Funding
Request is a document that is generated by the InterFirst MUPIT system and faxed
back to the broker who in turn fills out the form and faxes it back. Because the format of
the Funding Request form is controlled by InterFirst it will be passed through the
OCR/ICR process.

The Funding process requires capture of the following index information:

 Field                      Description                                  From            Data Type
 Recv_timestamp             Actual date and time of the fax              Fax Server      Date
                            transmission.
 Fax_Server_num             Number of the fax server                     Fax Server      Number(3)
 Fax_Server_line            Number of the fax server line                Fax Server      Number(3)
 Sender_ani                 The actual phone number of the caller        Fax Server      Number(10)
                            as retrieved from the phone company
 Sender_csid                Information retrieved from the senders       Fax Server      Char(15)
                            fax machine.
 Complete_timestamp         Date and time when user processing is        Internal        Date
                            competed. NULL until completed               programs
 Processor_userid           Network login of the processor               Internal        Char(15)
                                                                         program
 Failed_flag                Internal flag (Y or N) that identifies the   Fax Server      Char(1)
                            fax as incomplete, or as having some
                            other transmission error
 Archive_flag               Internal flag (Y or N) that identifies the   Retention       Char(1)
                            fax as having been archived.                 manager
                                                                         program
 Delete_flag                Internal flag (Y or N) that identifies the   User with       Char(1)
                            fax as having been deleted.                  special
                                                                         privileges
 Page_count                 Pages in the fax                             Internal        Number(4)
                                                                         programs
 Page_start                 Page within the file that the fax begins     Internal        Number(4)
                                                                         programs
 Loan_num                   InterFirst loan number                       OCR* and User   Number(10)
 Broker_id                  Code that identifies the broker (optional)   Based on        Number(8)
                                                                         sender_ani
                                                                         lookup** and
                                                                         User
 Transfer_type              Type of money transfer: WIRE (default)       User            Char(8)
                            or CHECK.

*Loan number (loan_num) will be automatically extracted from the Funding document
after the fax is received via OCR.

**When a fax is received the system will know the senders actual phone number
through the phone company provided ANI. This number will be used to improve data
entry throughput by mapping the number (in Oracle) to a broker_id. This will allow the
broker_id to automatically be populated in many cases. When a fax comes in without a
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known ANI the user will be required to enter the broker_id. After entry the system will
give the user an opportunity to save the ANI mapping in the lookup table.

2.9.1 Funding Menu User Interface




2.9.2 Funding Data Entry User Interface
The Funding data entry process is referred to as Funding Registration (FREG). This
process involves viewing a Funding Request document, entering required data, and
then printing the document with an automatic annotation. The hardcopy document is
then used by other InterFirst users to complete the Funding process. The Funding data
entry user interface is shown below:




The Loan Number and Originator (Broker) ID will in many cases be gathered
automatically by the system before routing to a user for data entry. The user will be able
correct any OCR or lookup errors before printing the fax.

The Originator (Broker) field is a new data entry field for the Funding users. This data
will be used primarily for reporting purposes. The system will not require that this field
be entered. If it is entered, it will be validated against an Oracle table.

The Funding data entry operator will also be required to make a selection as to whether
a funding request requires a "Check" or "Wire Transfer". This value will default to Wire.
This additional data will be used for reporting purposes.

A fundamental change will be made in the way documents are handled by the new Fax
Automation System. In the original system users could only enter data once for the
entire fax transmission. This presented problems when a single transmission contains
multiple fax documents. The new system will allow the data entry personnel to traverse
through the pages of a transmission and tell the system where the document breaks
are. When a document break is identified, the user will be able to enter distinct
information about the new document that has been identified. This will allow more data
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to be captured, which will improve the accuracy of reports as well as improve document
retrieval capabilities.

2.9.3 Funding Printing
When a user has completed data entry on a Funding document and presses the OK
button, the document is automatically annotated and printed. Wire and Check
documents are sent to different printers. To facilitate this there will be a configuration
setting made on a system-wide basis that will identify these printers by name. This
configuration can be overridden on an individual workstation basis. A "Local Printer"
button will be added to the image viewer screen, which will allow users to print to any
configured Windows printer.

2.9.4 Funding Query/Status User Interface
The Funding Query/Status screen is shown below. Refer to section 2.4 for a general
description of this screen.




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2.10 Customer Service User Interface
Customer Service Representatives (CSR) support several areas within the company.
The CSR’s will be able to perform queries and view and process document images
using a special version of the Query/Status program (refer to section 2.4 for more
information). The CSR’s will be able to view documents from the Underwriting,
Ratelock, and Funding programs.

2.11 Administrative Interface
Much of the administrative user interfaces that were available in the old system are no
longer required or are replaced by automated processes. For instance, the archive
process will be automatic based on system configuration values (see section 3.3.2 for
more information).

A custom version of the Query/Status application will be used for system administration.
When viewing the query results from the Query/Status application the administrator will
be able to View/Process, Print, Change Status, Delete, and Update items in their lists.
See section 2.4.3 for more information.




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3. Technical Information
This section describes the technical operation of the InterFirst Fax Automation System
(IFAS). The system discussion is based upon the system configuration shown in Figure
1 on page 2. This section will cover how all the various application software packages,
and the custom application software work together to accomplish the IFAS functionality.

As stated previously; a fundamental requirement of the system is that it be robust and
redundant in order to limit system downtime. Downtime has a direct financial impact on
InterFirst.

3.1 Information Flow
The InterFirst Fax Automation System encompasses three functional areas:
Underwriting/SAIL, Ratelock, and Funding. From an IFAS perspective each of the
groups process data in a very similar way. One of the design goals is to simplify the
way faxes are processed by developing a common platform for receiving and
processing faxes. However, the system will continue to support the processing
differences in the various areas. Analysis has shown that a very high percentage of the
processing functionality is common to all the processing areas.

Figure 2 below describes the high-level information flow. All of the components of the
IFAS system fall into one of the boxes shown below.




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                Fax received
                 and stored                                  Fax Servers
                   locally




                                                             Document Server
                    In-process
                                                             Database Server
                      storage
                                                             Oracle Database




                         OCR / ICR
                                                             Datacap OCR/ICR Servers
                        (RL, Funding)




                       User
                                                             User Workstations
                    Processing




                                  Archived for
 Other Interfirst
                                 manual backup               Document Server
  Processing
                                  and deletion

Figure 2

Faxes are received on the Fax Servers and stored in local storage by the fax server
software (Facsys). The Fax Servers will convert the transmission information into
multi-page TIFF files and text files. A custom application called the Fax Collector (see
section 3.3.1 below) will monitor the incoming fax servers and write the transmission
files to the Document server and then update the Oracle database.

Once the Fax Collector process has created the files on the Document Server and
updated the Oracle database the information moves to the In-process Storage stage of
processing (see Figure 2). In-process Storage consists of a large area of RAID storage
on the Document Server and related data in the Oracle Database running on the
Database Server. Documents in this state are available for processing by users.
Certain documents (Ratelock and Funding) will be automatically routed through a
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Datacap OCR/ICR process to retrieve data from the document. Documents that are in
the OCR/ICR process will not be available for user processing.

The Oracle database will contain a record that contains all the vital information relative
to the fax transmission, as well as certain historical information used for reporting.
Users will process incoming faxes from a queue that will be maintained within Oracle.

The User Processing is different for each processing area. This functionality is
described in section 2.

3.2 User Security
The system will utilize the NT domain security that is already in place at InterFirst. All
screens will support a simple pass-fail security mechanism. Under this mechanism, an
Oracle table will contain a mapping of which user groups have access to which screens.

When a screen starts, a lookup will be done to verify whether the user’s group has
access to the screen. If not, an error message will appear and the screen will exit.

NT Domain security will be used by putting security-key files in a special directory on
the document server. A security-key file will be setup for each possible security group in
the IFAS system. Granting a user read access to the key file (through NT domain
configuration) would signify that the user has access to the security group. Each screen
or feature of the system that requires security will be mapped to a security group.

3.3 Document Server
The purpose of the Document Server computer is to act as the document repository.
This system is attached to a large RAID storage system. Stored on this system will be
all documents that are being processed and all documents that have been archived and
are waiting to be manually backed up and purged.

This server is running the Microsoft Windows NT Enterprise Server 4.0 software. It has
two main NT processes running during system operations. The two processes are Fax
Collector, and Retention Manager. These two processes are discussed in the following
paragraphs.

3.3.1 Fax Collector
This is a custom Windows NT program whose purpose is to communicate with the
various Fax Servers and collect all incoming faxes. It resides on the Document Server
computer, and uses shared network drives for acquiring the faxes. This is a Visual Basic
6 program. There is expected to be no user interface associated with this Windows NT
process.

The Fax Collector will monitor the incoming fax servers and write the transmission files
to the Document server and then update the Oracle database.

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Documents will be written to the Document Server into a directory that’s name is based
upon the transmission date. The file name is created by the Fax Server to be unique
throughout the system (see section 3.5). For instance:

       /docs/19990401/001_199904011301450_005.tif
       /docs/19990401/001_199904011301450_005.txt

The Fax Collector process will send Funding and Ratelock transactions to Datacap
Taskmaster 2000 for OCR/ICR activity. When the Taskmaster 2000 has processed the
images a plug-in Datacap task will update information about the transaction in Oracle.
This will free the transaction for user processing.

3.3.2 Retention Manager
This is a Windows NT process, whose purpose, is to archive information that has been
processed and has reached a certain age in order to free disk space. This process will
reside on the Document Server. It will use information in Oracle to determine which
documents qualify for archiving.

To archive a document the Retention Manager will pull all of the vital data from Oracle
and update the original text file that was associated with the document. It will then
move the TIFF and text file to a special directory (as shown below) on the Document
Server and delete the appropriate runtime data from Oracle (note: historical data will not
be deleted as part of this process).

       /archive/19990401/001_199904011301450_005.tif
       /archive/19990401/001_199904011301450_005.txt

It will be the responsibility of a system administrator to backup all the files in the archive
directory and then delete the files. The retention manager will remove directories on the
Document Server when they become empty.

This Windows NT process is a Visual Basic 6 program that runs once a day. There is
expected to be no user interface associated with this Windows NT process.

3.4 Database Server
The Database Server has two primary processes running during operation. The two
processes are Datacap Taskmaster 2000, and Oracle Database Server. These two
processes are discussed in the following paragraphs. The Database Server is running
Microsoft Windows NT Enterprise Server 4.0 software.

3.4.1 Taskmaster 2000
Taskmaster 2000 is a powerful batch automation software program that provides
complete management of documents for OCR/ICR processing. This software will
schedule all the appropriate faxes to the three recognition servers for OCR/ICR

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activities. It will then get the data back from the recognition servers for subsequent
verification and storage in the Oracle Database.

3.4.2 Oracle Database
This is one of two major software applications running on the Database Server. This
database is the core data repository for managing both in-process and historical data.
User workstations will have direct access to Oracle through Oracle client software and
ODBC.

3.5 Fax Servers
The primary application software running on the Fax Servers is the FACSys Fax
Messaging Gateway. As the faxes come in, they are written to a local drive. The Fax
Server is running Microsoft Windows NT Workstation 4.0 software.

Each transmission will create three files on the Fax Server named in a fashion similar to
that shown below:

       /inbound/001_199904011301450_005.tif
       /inbound/001_199904011301450_005.txt
       /inbound/001_199904011301450_005.trg

The inbound documents will be named in the following format:

       LLL_YYYYMMDDHHMISSU_SSS
       Where:
        LLL is the incoming fax line. Each line will be numbered uniquely within each
          Fax Server, 001 to 999.
        YYYY is the year
        MM is the month
        DD is the day
        HH is the hour (military)
        MI is the minute
        SS is the second
        U is a unique character used in the unlikely event that 2 faxes arrive in the
          same second. This may occur on a failed fax.
        SSS is the unique fax server ID. Each Fax Server will have a unique number
          (configured in the Registry).

Long filenames will be used. Configuration information in Oracle will determine which
area (Ratelock, Funding, etc.) that each incoming line is mapped to.

The .trg file is called the trigger file. This file will always be created after the .tif and .txt
files and its presence will indicate to the Fax Collector that the transmission is complete.
The Fax Collector will automatically delete this file.

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It is intended that each of the Fax Servers will act as a standalone data collection point
that is not dependent on other system components for operation. This will allow the
system to continue to receive faxes regardless of other system availability. Because
there are five fax servers (the sixth fax server is a cold standby), each containing 48
inbound fax ports, the system has the capacity to serve more than 240 inbound faxes
simultaneously.

3.6 Datacap Recognition Servers
These servers work with Taskmaster 2000 to OCR/ICR the fax documents. Because
OCR/ICR requires a large amount of computing resources, three servers will act in
tandem to perform this task. Upon completion of its function, the recognition server
automatically returns data back to the Taskmaster 2000 for subsequent processing.

3.7 User Workstations
The system will utilize existing user workstations that are installed across the various
processing areas. Each functional group will have a collection of application programs
tailored to the group’s intended activities. Each user workstation will be running
Windows 95/98 and custom Visual Basic applications that interface to the Oracle
Database. Refer to section 2 for further information.




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