Channel policy management provides bank customers with unified business data integration across different channels, along with a unified user experience across the channels. With channel policy management, developers can develop multichannel business integration solutions, and change and deploy business rules in production. Furthermore, the channel policy implementation is loosely coupled with specific transaction logic.
IBM® WebSphere® Multichannel Bank Transformation Toolkit provides the embedded channel policy management mechanism in the WebSphere Multichannel Bank Transformation Toolkit channel layer. The channel policy can be used at both the channel level and the operation level.
At the channel level, all requests can be validated by a channel policy. For example, a channel policy can be used to check if a user is authorized to use the Internet banking channel or if the user can use a specific operation in Internet banking channel.
At the operation level, when a specific transaction or operation is invoked by a user, a channel policy can be used to check the authorization limits to this user. For example, when a user is using Internet banking channel to transfer money in account, a channel policy can be used to check the maximum amount of money the user can transfer by in the Internet banking channel.