This flow is a suggested interpretation of the Dataprev manuals for Crédito do Trabalhador. The manuals prevail over this page. Your institution validates the flow and implements it on the Lerian APIs. See how to read the diagrams.
Participants
- Your institution. The financial institution that offers the loan.
- Lerian. Lerian Consignado. It exchanges the requests with Dataprev, and exposes the API and the events your institution uses.
- Dataprev. Runs the Crédito do Trabalhador system: the loan auctions and the registry of payroll loans.
- Worker. The employee who asks for the loan in the Carteira de Trabalho Digital app.
Diagram
Steps
Lerian publishes no event for a request whose auction window already closed.
A bid holds one proposal. When the request comes with FGTS collateral, it can hold two. The
matricula in your bid must match the one on the request.
Each proposal needs a way for the worker to reach your institution. Lerian adds a formalization portal as a contact when the bid or your registration names one. Without a portal, each proposal carries a contact of its own, or Lerian refuses the bid before it calls Dataprev.
A 422 answer with a refusal member is final for its key: the same key returns the same refusal. When the refusal has source local, send the corrected bid under a new key. If the request already has a bid from your institution, the new key answers 409 BID_SOLICITACAO_TAKEN. If the answer does not arrive, send the same bid again under the same X-Idempotency key.
How you know it finished
Row 7 returns the result of each proposal, and the worker contacts your institution. Then register the payroll loan.