Labelling Service Use Cases
Introduction
Labeling transaction use cases are mostly about learning more about the customer or finding out if a product might be of interest to a customer.
Information you can get from the transactions with the Labelling Service:
Labels to have a context for the transaction
Customer number, if the transaction contains a contract from a known company
Contract numbers, if the transaction contains a contract from a known company
Overdraft information from purposes of known Banks from settlement transactions
Chargeback amount, if the transaction contains a chargeback and additional information about the original amount and costs
The following use cases are examples to make them more “plastic”.
Banks
Use Case Bank-01: Bank wants to show labels on the transactions to give them a context
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Systems | Online-Banking finAPI Labelling Service
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Goals | Adding labels to all transactions to give them context for the user Users can search for labels to find transactions much easier Present the transactions in a chart for better overview
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Flow | The Online-Banking is after the login updating the transactions If there are new transactions, the Online-Banking calls the finAPI Labelling Service to get the labels After the labels are retrieved, they are saved to the transactions in the Online-Banking database
The user is navigating to the transaction overview If the user clicks on the search, a dialog will be shown with form elements to select from the available labels and add them to a search A chart with the amounts of the labels (income and spending) can also be displayed to give the user a better insight into the current cash flow.
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Use Case Bank-02: Bank wants to offer a loan and has to search for loans in its own transactions of the user
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Systems | Online-Banking finAPI Labelling Service
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Goals | |
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Preconditions | |
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Flow | The Online-Banking is after the login updating the transactions If there are new transactions, the Online-Banking calls the finAPI Labelling Service to get the labels After the labels are retrieved, they are saved to the transactions in the Online-Banking database
The user is navigating to the loan application in the Online-Banking The Bank loads all transactions, labelled with LOANANDINTEREST and calculates the monthly costs for the last 3 months as a basis for loan liabilities of the user
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