Important, Scalable Financing Option for DELL's Business and Consumer Purchases

A large initiative to provide additional credit financing options for DELL's customers.

The challenge

• Lost Revenue in terms of possible credit financing : With several millions of dollars spent every hour on DELL's famous online store, most consumers were using existing credit cards (Discover, AMEX etc.) to finance their purchases. DELL could offer them the same credit financing - and gain a huge chunk of the financing revenue.
• Real time integration with credit processing and background check bureaus:  Several pre-qualifications would need to happen almost real time in order to ensure that a new applicant for credit financing is approved immediately. 
• Offline processing of initially disqualified applications: Applicantions that initially came back as unapproved would need to be examined carefully to see the reason for disqualification. In most cases, these applications had minor pieces of missing information. On obtaining the missing information from customers, a re-filing of the application would need to occur. This offline processing would be a major component of the application since a lot of valid customer applications may initally come back with a disqualification.

The Solution

Using Webmethods Integration Server and .NET SOAP, Anuj helped design and implement a solution which included:

• A WinForms client-side which used .NET SOAP to communicate with various Webmethods Integrations.
• An extensible Webmethods architecture which had adapters for mainframe systems (FiServ), flat file I/O, SOAP capable systems and other important backend systems.

The Result