There are two constraints in version 1.0: First, the platform is required to go online quickly. Because only when the platform is launched, marketing partners can promote and generate company revenue. The second is that the V1.0 version is built from 0, which will cause great work pressure on products and technologies.
Therefore, in the V1.0 version, the only goal is that the products of the platform system with individuals as the borrower can be launched quickly, and the phone number list platform roles can complete the process operation. The flow chart of the V1.0 version is as follows (part of the information is coded) .
The V1.0 version of the channel application entry application prototype diagram is as follows:
The owner application page of the V1.0 version is as follows:
5. Truck Insurance Financial Platform V2.0
Version V1.0 was launched in a hurry. In fact, a large number of risk control elements and functions (such as pre-loan risk control, post-loan risk control and automatic deduction functions) were omitted. In the V2.0 version, a lot of experience optimization has been phone number list carried out for each role of the platform.
At the same time, we communicated with the risk control director and legal director many times to make the various risk control measures of the platform more perfect. At the same time, the V2.0 version also improved and issued various platform information. The following is the ER diagram, use case diagram, and product structure diagram of the V2.0 version.
At the same time, the V2.0 version has issued a comprehensive and rich PRD document, which is used as the company's information asset for precipitation. The screenshot of the PRD document is as follows:
The V2.0 version channel has also done a lot of UI optimization on the import side and the front end of the car owner. The page is as follows:
6. Truck Insurance Financial Platform V3.0
In version 3.0, we added the policy pledge function and continued to optimize the platform. After the V3.0 version, we believe that the platform should meet the standards of the first-class Internet financial platform in the market. Since policy pledge is a new feature, policy pledge is described in the product documentation for better understanding and development by developers.
7. Truck Insurance Financial Platform V4.0
In version 4.0, we further improved the platform and added financial products with enterprises as borrowers. The risk control logic of financial products with enterprises as borrowers is different from that of individual borrowers. However, due to the system architecture we have completed earlier, the upgrade of this version is actually not difficult. The flow chart of corporate loan is as follows:
The corporate loan page is as follows:
8. Truck Insurance Financial Platform V5.0
In version 5.0, the insurance commission advance product has been added. This function is not in the original product plan, it is a point that may create value found in the market competition, and then the core team revises the products added to the product roadmap after consultation.
This product is mainly to provide supply chain financial services for insurance intermediaries, and to advance funds for insurance intermediaries from the commission receivables from insurance companies. The product flow chart of commission advance is as follows.