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Case Study: Equifax


equifax Check out the case study below to learn how leading US credit reporting entity Equifax® built an advanced SOAP interface for their identity verification and authentication Web service.

Overview

Equifax is a leading credit reporting entity and provider of analytical and decision support tools. Their real-time authentication system, eIDverifier, offers government and businesses personalized online security measures that help protect them against fraud and comply with federal legislation. The eIDverifier process is used within e-commerce and other online applications to authenticate users’ identities based on their answers to personalized questions drawn from Equifax’s extensive data stores. The authentication process consists of five steps:

  1. Integrity Check – eIDverifier standardizes and screens applicant-provided information to test for data inconsistencies and irregularities.
  2. Pattern Recognition – A pattern recognition algorithm is conducted on each transaction. For example, a velocity parameter determines the number of times an applicant has applied for authentication in a specific time frame.
  3. Identity Validation – To confirm an identity’s legitimacy, eIDverifier uses a “waterfall” approach in gathering validation information from multiple data sources. This means that if the identity cannot be validated with the first data source, eIDverifier will proceed to the next data source until the identity is validated.
  4. Interactive Query – eIDverifier presents multiple-choice questions to the applicant based upon “shared secret” information that should only be known to the applicant and Equifax. The question sets are customizable to meet individual risk thresholds.
  5. Decision Logic / Output Assessment – There are two output components to eIDverifier – an assessment score and reason codes. The assessment score indicates the likelihood of an applicant presenting fraudulent information, while reason codes provide important details on questionable information and highlight any discrepancies between the consumer’s application information and Equifax data sources.

eIDverifier relies on the SOAP protocol to send messages defining these interactions back and forth between the client interface and the Equifax servers. Third party institutions license the eIDverifier SOAP interface for use within their online application processes, enabling them to integrate its functionality and access information contained in Equifax’s databases.Equifax uses the XMLSpy XML Schema editor to graphically design the XSDs that serve as the foundation for their SOAP interface.

The Challenge

Equifax needed a sophisticated tool for designing the XML Schemas that would define the data types for their Web service, as well as a mechanism for creating the WSDL documents that would describe the interface as a whole. As a Java shop, Equifax needed a solution that would be compatible with their other development tools, and that would work seamlessly with the Eclipse IDE. Though there are plenty of Java tools available that have the capacity for XML Schema development, XMLSpy presented the most attractive option for schema design because of its comprehensive graphical design and editing options.The Equifax development team took a further step to simplify their Web services creation, using XML Beans and the Codehaus XFire/CXF Java SOAP framework to auto-generate WSDL from their XML Schemas.

The Solution

eIDverifier relies on a variety of different technologies to bring identity verification and authentication to its clients. XMLSpy provides the following benefits:XML Schema

XML Schema is used to express the structure of the data, as well as the individual elements and attributes that it is comprised of. Because a large portion of the data relies on end-user input in the form of address, phone number, driver’s license number, etc., it is vital that this information is in a format that can be digested by the system.Using XMLSpy’s graphical XML Schema editor, the Equifax development team was able to easily visualize and maintain the structure of their XML Schema. A portion of the schema that was created appears below:

SOAP interface

This data type definition provides the syntax, and dictates the structure, for the data that is transmitted by the eIDverifier Web service.

XMLSpy’s unique graphical XML Schema editor allowed the Equifax development team to create and maintain a complex schema definition without writing any code manually. They were also able to automatically generate human-readable documentation that can be used to present the architecture for review at any time in the development process, and that describes each element and attribute in detail.SOAP interface

WSDL

The processes executed by eIDverifier are described by a WSDL document that incorporates the XML Schema to provide information about data types, functions, and other interface details to the client – defining and dictating the actions taken by the client application to send and retrieve information between the end-user and the Equifax servers. The Equifax team chose to autogenerate a WSDL document using the Codehaus XFire/CXF framework. The XML Schema was used as the basis for an XMLBeans implementation, which was then compiled as a Java service class. Once the eIDverifier service was exposed, XFire automatically generated a WSDL – the WSDL is shown below in the XMLSpy graphical WSDL editor.

SOAP interfaceThis WSDL serves as the basis for the eIDverifier application, defining the ports and messages that make up the communication infrastructure of the Web service.

The Results

The eIDverifier SOAP interface allows external applications to access Equifax’s backend data stores, exposing it as a Web service and enabling them to retrieve secure information without jeopardizing the integrity of the Equifax mainframe. Utilizing WSDL and SOAP, and surrounded by Java architecture, eIDverifier is able to confirm user identity by returning a set of multiple choice questions based on the secure data maintained by Equifax.SOAP interfaceXMLSpy enabled the Equifax team to quickly and easily create a graphical schema representation and the matching documentation to serve as the basis for the Web service. It also allowed the development team to focus on their Java code, rather than the intricacies of XML Schema and WSDL design. The Altova MissionKit provides numerous tools for advanced Web services development, from the graphical XML Schema and WSDL editing discussed here, to SOAP debugging, and even graphical Web services generation and data mapping. Download a free trial to check it out for yourself.

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Case Study: Wrycan, Fitz & Floyd, MarketLive


wrycan Fitz and Floyd is a leader in design and manufacture of hand painted ceramic gift ware. In 2007, they approached Wrycan, an Altova partner focused on content-centric XML expertise and related software development, for help creating a solution that would allow Fitz and Floyd to interface their existing CRM system to their new Web-based storefront application from MarketLive, the leader in e-commerce software solutions. Fitz and Floyd had already purchased a license for the Altova MissionKit software suite, so Wrycan was able to jump right in and start mapping data from Fitz and Floyd’s Oracle database to MarketLive’s proprietary schema using Altova MapForce. Wrycan assigned the project to a Principal Consultant, who had plenty of previous experience with XML technologies (including XSLT and XML Schema) as well as with large-scale databases, but who had never before used MapForce, Altova’s data conversion, transformation, and integration tool.

The Challenge

Fitz and Floyd required a solution that would automatically synchronize data from their Oracle database to MarketLive’s storefront application. It needed to perform the following functions: inventory updates, product updates, and order status updates. This way, when a customer ordered a Fitz and Floyd product via the MarketLive interface, they would be getting real-time information about the company’s inventory. The solution needed to be simple to use, easy to maintain, cost effective, and completed on time, so they could put their new storefront into production promptly. Fitz and Floyd’s existing data was housed in an Oracle 8.0.5 database and was organized according to internal requirements. In order to transform their data into a format that would work with MarketLive’s storefront application, Fitz and Floyd’s data needed to be mapped to MarketLive’s XML Schema. In addition, there needed to be a system in place to track and log any transaction errors that occurred.

The Solution

Because of MapForce’s ease-of-use, the Principal Consultant was able to get started using its intuitive features right away. Wrycan used MapForce to map the transformation from Fitz and Floyd’s Oracle database to the XML Schema definition (XSD) instance provided by MarketLive. Using the database as the source component and the XSD as the target, the following mapping was produced: MapForce mapping transparent In order to map to some XML Schema entities that were not explicitly defined in the original MarketLive schema, Wrycan used Altova XMLSpy’s graphical XML Schema editor to fill in the gaps, adding attributes to the schema that had not previously existed and thus ensuring that all necessary Fitz and Floyd data would be mapped to the MarketLive Web interface. An example of the schema modifications is shown below: XML Schema modifications Wrycan used MapForce’s unique code generation capabilities to automatically produce a Java applet that was used to update Fitz and Floyd’s product, inventory, shipping, and order status information programmatically. This specialized applet was then packaged along with Wrycan’s proprietary Transaction Manager. MapForce made it very easy to update and redeploy the data mapping requirements as they changed throughout the project. Because of MapForce’s ease of use and built-in code-generation capabilities, less technical users can also update the data mapping when there are changes.

Simple Web-based Transaction Manager

Utilizing open source Java technologies such as Apache Tomcat and Quartz Enterprise Job Scheduler, Wrycan was able to create a simple transaction manager that allowed the transactions handled by the MapForce-generated, Java-based data integration applet to be scheduled, processed, and logged. The Transaction Manager is a custom software application made specifically for Fitz and Floyd by Wrycan, but built in such a way that it can be reused for future clients. It consists of several components:

  • User interface – allows the integration of MapForce-generated Java code
  • FTP interface – adds the ability for files to be downloaded for transformation from Oracle database format to the eCommerce platform XML format or vice versa
  • Scheduler – allows the automation of the data migration
  • Reporter – stores transaction results in XML files accessible in the user interface and also has the ability send emails in case of exceptions

The Transaction Manager’s user interface is the point of contact for Fitz and Floyd to control and schedule any data transformations. Because Wrycan wanted to be able to reuse the Transaction Manager, they chose to generate the MapForce code in Java, a platform-independent programming language. (MapForce can also generate application source code in C# and C++.) This code is an integral part of the Transaction Manager, as it dictates the data mapping process, allowing Fitz and Floyd’s internal information to be accessed via the MarketLive interface. The FTP interface is a simple way to manage the transfer and delivery of files from within the Transaction Manager once the MapForce-generated Java applet has transformed the data according to the MarketLive schema. A built-in batch scheduler allows Fitz and Floyd to automate the data migration operations by content type (i.e. order, inventory, product, etc.). Batch jobs The reporting component allows the result of each transaction to be logged in XML. Because of this, if any transaction errors occurred, Wrycan was able to use Altova XMLSpy to analyze and debug the issues.

The Results

Fitz and Floyd now has an easy to use data integration layer that is extensible by adding new MapForce transformations, and they can easily adjust their current transactions. Any updates made to the Fitz and Floyd Oracle database are automatically transferred to the MarketLive application in a format that it can readily understand. Log Details Because the Transaction Manager application is based on platform-independent Java code (generated by MapForce), Wrycan also has a reusable application that can be used as an asset by any online retail company. Wrycan is now able to approach potential clients with a proven data integration layer product that provides job scheduling, email notification, and FTP integration and can utilize any database or schema output via a custom Altova MapForce transformation. When speaking about this project, Dan Ochs, the principal consultant at Wrycan involved with the Fitz and Floyd application stated “MapForce has proven to be an easy-to-use, effective tool for making the data integration and mapping process much easier and faster to implement.” This and many other customer case studies involving Altova solutions are available in the Altova library.

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Altova Receives the ComponentSource Bestselling Publisher and Product Awards


Altova, (www.altova.com) creator of the industry-leading XMLSpy XML Editor and other leading XML, data management, UML, and Web services tools, today announced that Altova XMLSpy, and the Altova MissionKit received 2007 ComponentSource Bestselling Product Awards. Altova was also presented with the Top 25 Bestselling Publisher Award.


ComponentSourceProduct2007

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White Paper: Reaping the Benefits of pureXML with Altova Tools


The IBM® DB2® data server offers a scalable and reliable information infrastructure that provides seamless integration of XML and relational services. Now with the deep integration of Altova tools and DB2 9, users can query, exchange, transform, and edit their XML artifacts more quickly, easily, and accurately.
Demonstrated using an online brokerage scenario, this white paper shows how the integration of Altova tools with DB2 allows users to:

  • Design and perfect XQuery statements faster, with real-time validation for a faster and more robust design time experience.
  • Preview, edit, and validate XML data stored in the database with just a few clicks
  • Easily manage XML Schemas in the DB2 9 Schema Repository
  • Map XML data from the database to a CSV file or convert it to an HTML table or other format

The solutions to the business problems presented in the white paper show how DBAs and developers working with real-world XML applications can benefit from the integration of Altova tools with IBM DB2 9.
Access the white paper here to read more about these solutions and view screenshots: https://www.altova.com/resources_wp.html#ibm_whitepaper

Get more information about using Altova tools when working with IBM DB2 9 pureXML here: https://www.altova.com/IBM_DB2_9_pureXML.html

Download a free 30-day trial of the Altova MissionKit here: https://www.altova.com/download.html, and see how working with XML-related technologies in DB2 9 is enabled by Altova tools.

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