Integrated
Cheque Acceptance Expert System
TeleCheque is a pioneering company in the credit administration
and cheque guarantee service in Brazil. Established in 1982, it
develops and perfects its systems in accordance with the necessities
of credit and risk of its customers and partners.
One part of TeleCheque's business is a nationwide cheque acceptance
service, which is a form of credit concession. Naturally there
is risk associated with this concession. With a growing market
and with corresponding risk growth, a more advanced computerised
system was required.
The new system would need to provide automated authorization,
whereby the exceptions would be handled by a call centre, and to
cater for high volumes in real time.
The problem of credit concession conflict is that normally increasing
the control of the process usually has a corresponding effect of
decreasing the sales, and vice versa.
What was required was a system that could increase the control
and at the same time increase the sales.
In the traditional approach the policies that are applied are
based on limits and are not flexible. This approach also does not
guarantee policies are being applied correctly
The new system needed to take all this into account as well as
integrating with a traditional transaction system, incorporate
existing business intelligence and interface with neural networks.
TeleCheque decided to build the system using XpertRule Knowledge
Builder.
Using a rapid application development cycle the new system was
delivered and resulted in the following benefits:
- Operations
- Exceptions are analyzed in 5 minutes, a substantial reduction.
- Approval level of exceptional cases improved by 40% with
the risk controlled.
- Flexibility to revise and change business rules by business
users.
- Sales volumes increased.
- Control
- Security enforcement.
- Rules execution reinforcement.
- Business opportunities
- Rapid information capture from unknown consumers.
- Presentation of optional plans.
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