www.sungard.com/insurance

From Process to Data through Services

Ric Gingell

Chief Architect

Amarta

Thursday September 1st, 2005

VLDB 2005 Trondheim

Life and Pensions

Life insurance

Long term savings

Policies are long-term contracts - decades

Now an essential part of the social responsibility

Life and Pension Policy Administration

Well established

Fairly common processes

A few specialised areas

Well suited to automation

Well suited to batch processes

Business Process

Business Processes

ManualTask

AutomaticTask

ManualTask

Business Rules

Procedure

Procedure

Application Entry Enter Application Details

Identify Application

Check Application Check Application Display and Fix Errors

Goto Check Application

Errors and Omissions

Assess Errors and Omissions

Request Further Information

Follow Up Follow Up Action

Record Information Received

Goto Check Check Application

Initial Underwriting Initial Underwriting Check

Assess Errors Request Further Information

Follow Up Follow Up Action

Record Information Received

Go To Check Application

Calculation Calculation

Risk Assessment Risk Assessment Underwriting

Check Premium Check Premium Required

Check Premium Available

Request Premium Shortfall

Follow Up Follow Up Action

Record Premium Received

Go To Check Pfremium

Refund Surplus Premium

Wait for Underwriting

Issue Policy Issue Policy

Policy Setup Policy Setup

Post Issue Check Receipt Requirement

Post Issue Follow Up

Enter Receipt

Check Receipt Date

Check Receipt Requirement

Apply Penalty

Identify Required Docs Identify Required Docs

Initial Manual Underwriting

Check Manual Underwriting

Record Underwriting Requirements

Check Underwriting Decision

Check Underwriting Decision Correct Initial Decision

Goto Check Underwriting Descisn

Request Further Information

Check Underwriting Requests

Request Further Information Follow Up Follow Up Action

Record Information Recieved

Reinurance CheckCheck Reinsurance

Requirement

Check LoadingCheck Loading

RequirementRecord Underwriting

Decision

Check Final Decision Check Final Decision Correct Final Decision Go to Check Loading

Check Re-IllustrationCheck Illustration

RequirementInit Re-Illustration

Lifecycle

OfferCheck Offer Requirement Offer Terms Follow Up Follow Up Action

Record Client Decision

Wait for Underwriting

New Business Process

Start Here

Generate

Data Model UI Model

ProcessModel

Business Rules

Development Environment Runtime

RDBMS

DatabaseSchema

UI Model

ProcessMetadata

Business Rules

User Interface (HTML/JavaScript)

UI Controller

Web Server

Life and Pensions Policy Administration

Kn

ow

led

ge &

In

form

ati

on

Man

ag

em

en

tIn

frastru

ctu

re S

erv

ices

Security

Authorisation

Authentication

Virus Protection

ConfigurationManagement

SystemManagement

Change Management

Extraction

Storage

Backup

Archiving

Search

Analysis & Reporting

OLAP

Portal

Search

Replication Business & Channel Integration

Data Transformation Service

Messaging Service

EAI Messaging Distribution Workflow

Distribution Service

Process Definition Service

Process Execution Service

Unified Messaging

Data Services

Customer RepositoryContact Repository

Product Data Repository Warehouse Repository

Data Marts

Data RepositoriesPersistence Services

Structured Data Persistence

Unstructured Data Persistence Meta Data

Data Warehousing

Business Application Services

Common Services

Core Product Engine

Bra

nd

Inte

rfaces

Agent Desktop Service (Common Front End)

Access, Contact & Presentation

Web (PC, PDA, EDI) E-mail Telephony

CTI/CLI

IVR

NLIVR

Voice Mail

Voice Record

Reporting

Post

HTTP Service

Content Mgt. FAQ SMTP Service

Auto Reply

SMSBrowser

Forms

Scripting

PABX

ACD

Scan/OCR

Index

RT Monitoring

VoIP

Others

Fax

Act. Monitor

Barcode

Forms Proc.

Call-back

Business Rules

Application Server

Office Services

Agency Mgt.

General Ledger

HRBox Management

Unit Linked Pricing

Sales Stats

Reassurance

Valuations

Migration

Transform

Loading

Print Services

DocumentConstruction

DocumentDistribution

Image Mgt.

Intranet

General

Auto Response

BACS

Compliance

Payments

Policy Servicing

New Business

Claims

Premiums

Unit Allocation

Underwriting

Personalisation

E-mail Mgt.

‘EDI’ Messages

Directory Svcs

DMZ Services

Extranet

ResourcePlanning

Collaboration

Information Management

System Mgt.

Platforms

Network

Other

Knowledge Management

Event Notification

Term Emul.

SO – the Four Tenets

Boundaries are Explicit

Services are Autonomous

Services Share Schema and Contract, not Class

Service Compatibility is based upon Policy

SOA – Basic Patterns

Document Processor “How do you create a simple to use, well defined contract that

remains compliant with the SO design tenets?” Loose-coupling Represent a business process as a complete unit of work

Idempotent Message How can you ensure messages are idempotent

Insist on a unique “Unit of Work” ID in each message

Reservation How can you maintain data consistency across a long running

process? Tentative operations Confirmation, Cancellation, Timeout

Service Compatibility is based upon Policy

A

SOA – Baseline

XML

XML

RDBMS

SO – Common Customer Database

People have more than 1 Policy Have to deal with more than 1 system – not happy

Ownership

Services for change

Replication, Versioning and Notification

Semantics

Keys

SOA - Composability

Conclusion

Service Orientation is Important for Insurers

Systems will change to loosely-coupled asynchronous collections of services

Far fewer assumptions, consistent architecture is essential

Tools, methodology and language need work