Positive register: functional specification - Revision history

Julia at 10:45, 10 April 2017

2017-04-10T10:45:15Z

← Older revision		Revision as of 13:45, 10 April 2017
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	* '''Guarantor''' – a person who assumes the obligation before the Member to be liable for performance of the Consumer credit contract obligations of the Applicant;		* '''Guarantor''' – a person who assumes the obligation before the Member to be liable for performance of the Consumer credit contract obligations of the Applicant;
	* '''Consent '''– consent of the Applicant for providing the Member making the inquiry with the Data of the Members being the recipients of the inquiry;		* '''Consent '''– consent of the Applicant for providing the Member making the inquiry with the Data of the Members being the recipients of the inquiry;
	* '''Member''' – an Estonian ~~or foreign company~~ that joins the Data exchange system and shares the Data about the Applicant with other Members;		* '''Member''' – an Estonian that joins the Data exchange system and shares the Data about the Applicant with other Members;
	* '''Consumer credit contract''' – the contract on the basis of which the Member issues the credit to the Applicant;		* '''Consumer credit contract''' – the contract on the basis of which the Member issues the credit to the Applicant;
	* '''Subject''' – a party to the contract;		* '''Subject''' – a party to the contract;
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	* The ''Member'' updates the ''Data'' by sending to the ''Data exchange system'' all current ''Data or Consumer credit contract data one by one''.		* The ''Member'' updates the ''Data'' by sending to the ''Data exchange system'' all current ''Data or Consumer credit contract data one by one''.
	* The ''Member'' updates the ''Data'' every 24 hours. At least every 7 days.		* The ''Member'' updates the ''Data'' every 24 hours. At least every 7 days.
	* The ''Member'' requests the ''Data'' only with the ''Applicant'' prior ~~consent~~. ~~The~~ ''Consent'' ~~document must be~~ assigned digitally.		* The ''Member'' requests the ''Data'' only with the ''Applicant'' prior ''Consent''. If the ''Consent'' is not assigned digitally, then the requester has no permission to request ''Data'' from databases of other Members, who has a condition of existence of digitally signed ''Consent'' for data requesting and forwarding.
	* The ''Consent'' document is stored in the ''Data exchange system'' for 3 years.		* The ''Consent'' document is stored in the ''Data exchange system'' for 3 years.
	* A response to the ''Data'' request does not reflect information about the ''Member''.		* The response to the ''Data'' request does not reflect information about the ''Member''.
	* Composition of the response to the ''Data'' request is described in “Data composition” chapter.		* Composition of the response to the ''Data'' request is described in “Data composition” chapter.
	* The ''Members'' share the ''Data'' with other Members in equal data composition.		* The ''Members'' share the ''Data'' with other Members in equal data composition.
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	= Use cases =		= Use cases =

			[[File:Positive register use cases.jpg]]

	~~[[File:Krediidikohustuste register.jpg]]~~


			== Members list request ==
			'''Prerequisite:''' <u>Data exchange system manager</u> has given a permission to <u>Member</u> to make a request.

			Member requests the list of other Members for using it while consent document creation.

	== Consent document creation ==		== Consent document creation ==
			'''Prerequisite:''' <u>Data exchange system manager</u> has given a permission to <u>Member</u> to make a request.

	Member requests the consent document of the Applicant for inquiring hims/hers Data possessed by the Members;		Member requests the consent document of the Applicant for inquiring hims/hers Data possessed by the Members;


	== Credit report request ==		== Credit report request ==

	'''Prerequisite:''' <u>Data exchange system manager</u> has given a permission to <u>Member</u> to make a request.		'''Prerequisite:''' <u>Data exchange system manager</u> has given a permission to <u>Member</u> to make a request.

	'''Prerequisite:''' ~~The~~ consent document ~~that~~ is an input of the request, ~~has~~ been generated in the Data exchange system.		'''Prerequisite:''' If the consent document is an input of the request, this should had been generated in the Data exchange system.
	# Member sends a request to the Data exchange system to get Applicant's credit obligations~~. The request input includes the consent document that is digitally signed by the Applicant~~;		# Member sends a request to the Data exchange system to get Applicant's credit obligations;
	# Data exchange system queries the Data from the database;		# Data exchange system queries the Data from the database;
	# Data exchange system responses to the requester with the Data.		# Data exchange system responses to the requester with the Data.
	Extension		Extension
			* Member has a condition of existence of the digitally signed ''Consent'' for data requesting from repository and the digitally signed consent is not an input of the request
			::2a. Data Exchange System does not request the Data from Member's repository;

			::3a. Data Exchange System response includes information about undone request.

	* Data repository of the member is stored in Member's system		* Data repository of the member is stored in Member's system
	::2a. Data exchange system queries the Data from Members' systems		::2a. Data exchange system queries the Data from Members' systems
	* Quering of the Data from Member's system fails		* Quering of the Data from Member's system fails
	::3a. Data exchange system responses to the requester with the Data and the error message that includes the number of failed queries.		::3a. Data exchange system responses to the requester with the Data and with the error message that includes the number of failed queries.


	== Credit data management ==		== Credit data management ==
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	The Member forwards credit data from the database held by the Member to Data exchange system.		The Member forwards credit data from the database held by the Member to Data exchange system.

			[[File:Credit data management use case.jpg]]
	[[File:~~Andmete haldus~~.jpg]]

	'''Scenarios'''		'''Scenarios'''
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	<u>Data exchange system manager</u> registers information about the Member in the Data exchange system / removes such information from the Data exchange system.		<u>Data exchange system manager</u> registers information about the Member in the Data exchange system / removes such information from the Data exchange system.



	= Sequence diagram =		= Sequence diagram =
			The following diagram describes the process of credit decision when
			::1. the Applicant signes the consent digitally
			::[[File:Credit decision using digi consent.jpg]]


	[[File:~~Krediidiotsuse tegemine~~.jpg]]		::2. the Applicant do not sign the consent digitally
			::[[File:Credit decision using digi consent.jpg]]

	= Links =		= Links =
	[[~~Data_exchange_system_X~~-~~road_interface~~\|Data exchange system X-road interface]]		[[Data exchange system X-road interface\|Data exchange system X-road interface]]

Julia at 08:57, 23 January 2017

2017-01-23T08:57:11Z

← Older revision		Revision as of 11:57, 23 January 2017
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	* '''Subject''' – a party to the contract;		* '''Subject''' – a party to the contract;
	* '''Consumer credit''' – the credit issued to the Applicant by the Member.		* '''Consumer credit''' – the credit issued to the Applicant by the Member.


	= Business rules =		= Business rules =
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	<u>Data exchange system manager</u> registers information about the Member in the Data exchange system / removes such information from the Data exchange system.		<u>Data exchange system manager</u> registers information about the Member in the Data exchange system / removes such information from the Data exchange system.


	= Sequence diagram =		= Sequence diagram =

Julia: /* Use cases */

2017-01-23T08:56:50Z

Use cases

← Older revision		Revision as of 11:56, 23 January 2017
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	== ~~Manager data management~~ ==		== Consent document creation ==
			Member requests the consent document of the Applicant for inquiring hims/hers Data possessed by the Members;

	~~<u>Data exchange system manager</u> registers information about the Member in the Data exchange system / removes such information from the Data exchange system.~~

	== Credit report request ==		== Credit report request ==

	'''Prerequisite:''' <u>Data exchange system manager</u> has given a permission to <u>Member</u> to make a request.		'''Prerequisite:''' <u>Data exchange system manager</u> has given a permission to <u>Member</u> to make a request.
	# Member sends a request to the Data exchange system to get ~~applicant~~'s credit obligations;
			'''Prerequisite:''' The consent document that is an input of the request, has been generated in the Data exchange system.
			# Member sends a request to the Data exchange system to get Applicant's credit obligations. The request input includes the consent document that is digitally signed by the Applicant;
	# Data exchange system queries the Data from the database;		# Data exchange system queries the Data from the database;
	# Data exchange system responses to the requester with the Data.		# Data exchange system responses to the requester with the Data.
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	* Quering of the Data from Member's system fails		* Quering of the Data from Member's system fails
	::3a. Data exchange system responses to the requester with the Data and the error message that includes the number of failed queries.		::3a. Data exchange system responses to the requester with the Data and the error message that includes the number of failed queries.


	== Credit data management ==		== Credit data management ==
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	The Member forwards credit data from the database held by the Member to Data exchange system.		The Member forwards credit data from the database held by the Member to Data exchange system.


	[[File:Andmete haldus.jpg]]		[[File:Andmete haldus.jpg]]
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	'''B)''' The <u>Member</u> changes the consumer credit data in the Data exchange system database.		'''B)''' The <u>Member</u> changes the consumer credit data in the Data exchange system database.


			== Manager data management ==

			<u>Data exchange system manager</u> registers information about the Member in the Data exchange system / removes such information from the Data exchange system.

	= Sequence diagram =		= Sequence diagram =

Julia at 09:48, 20 January 2017

2017-01-20T09:48:18Z

← Older revision		Revision as of 12:48, 20 January 2017
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	{\| align="right"		{\| align="right"
	\| [[Image:~~Flag_of_Estonia~~.~~png~~\|border\|30px]] [[Positiivne_register:_funktsionaalne_spetsifikatsioon\|eesti keeles]]		\| [[Image:Flag of Estonia.svg\|border\|30px]] [[Positiivne_register:_funktsionaalne_spetsifikatsioon\|eesti keeles]]
	\|}		\|}

Julia: /* Links */

2017-01-20T09:46:00Z

Links

← Older revision		Revision as of 12:46, 20 January 2017
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	= Links =		= Links =
	[[X-~~road interface: subsystem POSR~~\|Data exchange system X-road interface]]		[[Data_exchange_system_X-road_interface\|Data exchange system X-road interface]]

Julia at 09:41, 20 January 2017

2017-01-20T09:41:31Z

Show changes

Paavo at 11:37, 6 December 2016

2016-12-06T11:37:14Z

Julia at 11:12, 19 September 2016

2016-09-19T11:12:04Z

← Older revision		Revision as of 14:12, 19 September 2016
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	Scenarios		Scenarios

	A) The Member forwards all current data on consumer credits to the administrator of the Data exchange system in XML format using x-~~tee~~ interface ~~KRI6~~.		A) The Member forwards all current data on consumer credits to the administrator of the Data exchange system in XML format using [[X-road interface: subsystem POSR \| x-road interface]].

	B) The Member changes the consumer credit details in the Data exchange system using x-~~tee~~ interface ~~KRI6~~.		B) The Member changes the consumer credit details in the Data exchange system using [[X-road interface: subsystem POSR \| x-road interface]].

	= Sequence diagram =		= Sequence diagram =
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	= Links =		= Links =
	[[X-road interface ~~KRI6~~\|X-road interface ~~KRI6~~]]		[[X-road interface: subsystem POSR \| X-road interface]]

Vlads: Created page with "{| align="right" | 30px eesti keeles |} = Overview = The '''Positive Register'''..."

2016-09-08T12:02:05Z

Created page with "{| align="right" | border|30px eesti keeles |} = Overview = The '''Positive Register'''..."

New page

{| align="right"
| [[Image:Flag of Estonia.svg|border|30px]] [[Positiivne_register:_funktsionaalne_spetsifikatsioon|eesti keeles]]
|}

= Overview =
The '''Positive Register''' (Positiivne Register) is the data exchange system, through which creditors that are members of the register are able to share information about person’s credit obligations with consent of the person in question. The Positive Register allows a creditor to fulfill statutory requirements of responsible lending and to ensure a person’s ability to fulfill his or her debt obligations. Loan applicants will no longer have to collect documents from other creditors. Customer will also be better protected from the problems associated with making emotional decisions about loans and excessive debts.

= Definitions =

* '''Data''' – information about existing obligations of a private person that allows the Member to assess creditworthiness of the individual, as described in “Data composition” chapter.
* '''Data exchange system''' – the IT solution used by the Member to exchange the Data;
* '''Administrator of the data exchange system''' – AS Krediidiinfo;
* '''Codebtor''' – a private person together with whom the Applicant applies for credit and who is taken into account while making the Credit decision;
* '''Credit decision''' – the decision made by the Member with regard to concluding the Consumer credit contract with the Applicant;
* '''Borrower''' – a private person to whom the Member issues the credit based on the Consumer credit contract;
* '''Applicant''' – a private person who turns to the Member with the wish to conclude the Consumer credit contract and provides his/her Agreement for using the Data possessed by the Members;
* '''Guarantor''' – a person who assumes the obligation before the Member to be liable for performance of the Consumer credit contract obligations of the Applicant;
* '''Agreement''' – consent of the Applicant for providing the Member making the inquiry with the Data of the Members being the recipients of the inquiry;
* '''Member''' – an Estonian or foreign company that joins the Data exchange system and shares the Data about the Applicant with other Members;
* '''Consumer credit contract''' – the contract on the basis of which the Member issues the credit to the Applicant;
* '''Subject''' – a party to the contract;
* '''Consumer credit''' – the credit issued to the Applicant by the Member.

= Commercial rules =

* Users of the system are the Members.
* A Member must join X-tee.
* In order to register a Member in the Data exchange system the company registration code, the company’s name and the name of the country where the company operates shall be provided.
* The Member inputs the Data to the database of Krediidiinfo or provides Krediidiinfo with an IT-based option to obtain the Data from its database.
* The Member updates the Data by sending to Krediidiinfo all current Data.
* The Member updates the Data every 24 hours. Where the Data is available on paper – the Member updates the Data every 7 days.
* The Member only shares the Data of the Applicant with prior agreement of the Applicant.
* It should be possible to control the Agreement retroactively.
* The Agreement can be a simple one or can be digitally signed.
* An answer for the Data request does not reflect information about the Member.
* Composition of the answer to the Data request is described in in “Data composition” chapter.
* An answer with regard to sharing and updating the Data contains the error code and description (http://services.krediidiinfo.ee/wiki/index.php/X-tee_liides_KRI6).
* The Members share the Data of the composition with other Members.
* The list of the Members of the Data exchange system together with the date of joining is available on Krediidiinfo website.

= Data composition=

# Date of updating;
# Personal ID code;
# Role of the person within the scope of the contract;
# Contract number (number of the Consumer credit contract concluded between the Member and the Applicant);
# Type of consumer credit;
# Effective date of credit agreement – date of commencement of the Consumer credit contract;
# End date of credit – the date of repayment of the Consumer credit;
# Consumer credit sum – the maximum sum of the Consumer credit contract paid or payable to the Applicant;
# Currency – currency of the Consumer credit contract;
# Payment schedule – the sum and the date of the next or the closest three payments;
# Balance – the amount of the obligation of the consumer before the Member;
# Overdue balance – the sum of payments overdue for more than 7 days;
# Requests – dates of requests made with regard to the Data of the Applicant made during the past three years.

= Use cases =

[[File:Krediidikohustuste register.jpg]]

== Administration of the Members ==

Administrator of the data exchange system registers information about the Member in the Data exchange system / removes such information from the Data exchange system.

== Sharing of the Data ==

The Member shares the data about the Applicant from the database of the Member through the Data exchange system.

== Administration of the Data ==

'''Prerequisite:''' The Member has concluded the authorization agreement with Krediidiinfo, under which the Member issues to Krediidiinfo the rights of authorized data processor with regard to the database held by the Member.

The Member forwards information from the database held by the Member to Krediidiinfo.

[[File:Andmete haldus.jpg]]

Scenarios

A) The Member forwards all current data on consumer credits to the administrator of the Data exchange system in XML format using x-tee interface KRI6.

B) The Member changes the consumer credit details in the Data exchange system using x-tee interface KRI6.

= Sequence diagram =

[[File:Krediidiotsuse tegemine.jpg]]

= Links =
[[X-road interface KRI6|X-road interface KRI6]]

← Older revision		Revision as of 14:37, 6 December 2016
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	* '''Data''' – information about existing obligations of a private person that allows the Member to assess creditworthiness of the individual, as described in “Data composition” chapter.		* '''Data''' – information about existing obligations of a private person that allows the Member to assess creditworthiness of the individual, as described in “Data composition” chapter.
	* '''Data exchange system''' – the IT solution used by the Member to exchange the Data;		* '''Data exchange system''' – the IT solution used by the Member to exchange the Data;
	* '''Administrator of the data exchange system''' – AS ~~Krediidiinfo~~;		* '''Administrator of the data exchange system''' – AS Creditinfo;
	* '''Codebtor''' – a private person together with whom the Applicant applies for credit and who is taken into account while making the Credit decision;		* '''Codebtor''' – a private person together with whom the Applicant applies for credit and who is taken into account while making the Credit decision;
	* '''Credit decision''' – the decision made by the Member with regard to concluding the Consumer credit contract with the Applicant;		* '''Credit decision''' – the decision made by the Member with regard to concluding the Consumer credit contract with the Applicant;
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	* A Member must join X-tee.		* A Member must join X-tee.
	* In order to register a Member in the Data exchange system the company registration code, the company’s name and the name of the country where the company operates shall be provided.		* In order to register a Member in the Data exchange system the company registration code, the company’s name and the name of the country where the company operates shall be provided.
	* The Member inputs the Data to the database of ~~Krediidiinfo~~ or provides ~~Krediidiinfo~~ with an IT-based option to obtain the Data from its database.		* The Member inputs the Data to the database of Creditinfo or provides Creditinfo with an IT-based option to obtain the Data from its database.
	* The Member updates the Data by sending to ~~Krediidiinfo~~ all current Data.		* The Member updates the Data by sending to Creditinfo all current Data.
	* The Member updates the Data every 24 hours. Where the Data is available on paper – the Member updates the Data every 7 days.		* The Member updates the Data every 24 hours. Where the Data is available on paper – the Member updates the Data every 7 days.
	* The Member only shares the Data of the Applicant with prior agreement of the Applicant.		* The Member only shares the Data of the Applicant with prior agreement of the Applicant.
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	* An answer with regard to sharing and updating the Data contains the error code and description (http://services.krediidiinfo.ee/wiki/index.php/X-tee_liides_KRI6).		* An answer with regard to sharing and updating the Data contains the error code and description (http://services.krediidiinfo.ee/wiki/index.php/X-tee_liides_KRI6).
	* The Members share the Data of the composition with other Members.		* The Members share the Data of the composition with other Members.
	* The list of the Members of the Data exchange system together with the date of joining is available on ~~Krediidiinfo~~ website.		* The list of the Members of the Data exchange system together with the date of joining is available on Creditinfo website.

	= Data composition=		= Data composition=
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	== Administration of the Data ==		== Administration of the Data ==

	'''Prerequisite:''' The Member has concluded the authorization agreement with ~~Krediidiinfo~~, under which the Member issues to ~~Krediidiinfo~~ the rights of authorized data processor with regard to the database held by the Member.		'''Prerequisite:''' The Member has concluded the authorization agreement with Creditinfo, under which the Member issues to Creditinfo the rights of authorized data processor with regard to the database held by the Member.

	The Member forwards information from the database held by the Member to ~~Krediidiinfo~~.		The Member forwards information from the database held by the Member to Creditinfo.

	[[File:Andmete haldus.jpg]]		[[File:Andmete haldus.jpg]]