tokens: The loan approval process starts by receiving a customer request for a loan amount . The risk assessment Web service is invoked to assess the request . If the loan is small and the customer is low risk , the loan is approved . If the customer is high risk , the loan is denied . If the customer needs further review or the loan amount is for $10,000 or more , the request is sent to the approver Web service . The customer receives feedback from the assessor or approver .