1. W3C Workshop, Bedford, MA – February 2007 An Insurance Industry Perspective Making the Web of Services Real

2. 1 Founded in 1810 One of the largest investment and insurance companies in the United States. Fortune 100 company 30,000 employees Two Companies: Hartford P&C – auto, home, business insurance Hartford Life – investment plans, life insurance, group benefits The Hartford Financial Services Group Inc.

3. 2 1. A non-technical problem: Achieving a shared- services IT model 2. Rules in a Web of Services 3. Dynamic UI’s Introduction to the three use cases

4. 3 Context Complexity in the automation environment is a growing problem, requiring significant maintenance spend and hindering business agility and flexibility 10+ Dev Languages Over 250 technologies and technical platforms Tech ComplexityBusiness Functions Value chain is comprised of 200+ unique business functions Describing all discrete functions performed by applications in the portfolio Business function redundancy across applications is common Underwriting data capture is performed in many different applications Environment Complexity Hundreds of unique business applications in the eB&T portfolio Complex automation environment requires significant spend for ongoing maintenance Tightly coupled applications make it difficult to leverage and reuse existing business capabilities Multiple versions of vendor tools The Web of Services needs to extend from a complex legacy base

5. 4 Demand Business Innovation Biz/IT Wall IT invokes Newton’s 3rd Technology Innovation Biz/IT Wall Supply Business invokes Newton’s 3rd 2 Scenarios that impede innovation: 1 2 The Pushback Model

6. 5 Future Platform The P&C Technology Platform: Common IT capabilities enabling business capabilities Services Foundational Architecture Information Management Building the Technology Platform one rationalization step at a time … Application Rationalization Step

7. 6 Demand Business Innovation Biz/IT Asset Technology Innovation 3 Scenarios that foster innovation: 1 2 Biz/IT Asset Supply Business Innovation 3 Biz/IT Asset Supply The Collaboration Model

8. 7 Use Case 1: Achieving a Shared Services IT Model The Problem SOA has been bottom-up Technology availability and infrastructure implementation not the issue Planning, governance and organizational issues Why it matters Business agility, TCO The need is there, the technical solutions are there How can we do this? A decision support system for IT Planning and Strategy Maybe the Semantic Web Maybe an industry consortium

9. 8 SOA SEMCI ACORD XML XML Security Appl SEMCI Orch Edit XML->AL3 Quoting Engine Echo AL3->XML UDDI DMZ SOAP WSM

10. 9 Use Case 2: Rules in a web of services The Problem “Rules” have been applied by IT to solve many business problems Some “rules” can provide business agility “Rules” means many different types of solutions, esp. within an SOA, from business rules, to edit rules to metadata to governance “Rules” can be and are implemented on many types of platforms without any specified criteria Why it matters: TCO, Agility. Possible Approaches: A taxonomy of rules, and standardized (maybe automated) ways to deploy different types of rules on different platforms. A platform-independent way of specifying rules A distributed, secure architecture for rules

11. 10 Use Case 2: Rule types within The Hartford P&C Rule Definition: A “Rule” is a statement that defines or constrains some aspect Event Rules: Rules that govern the User Interfaces and actions/events taken. Syntax Rules: Rules that relate to presence/occurrence of data elements, their data type and structures. (Data Collection rules that may be executed with schema validation and/or XPATH ). Conditional Rules: Rules that apply optionally or under the conditions/values of other data elements. (Data validation rules) Relational Rules: Rules that occur across multiple conditions of a given process or transaction and may across multiple screens when exposed to a user interface. Business Rules: Rules that the business is closest to and might have requirements for analytics (i.e. Risk Assessment/Scorecard, Underwriting, Product, Pricing, Claims Processing, and other rules in the enterprise decision management space) SOA Run-time Governance Rules: Rules that enforce SOA policies at run-time, such as SLAs, security, etc.

12. 11 SOA SEMCI ACORD XML XML Security Appl SEMCI Orch Edit XML->AL3 Quoting Engine Echo AL3->XML UDDI DMZ SOAP WSM

13. 12 Use Case 2: Rule Platforms within The Hartford DomainTypePlatform BPMProcess Management; Workflow mgmt; Work queue mgmt BPM engine Business RulesBusiness EvaluationBRE engine Telephony/Contact Centers Contact Steering; Channel Experience Call Center engines UIData Capture; Screen FlowEnterprise Portal/portlets Content MgmtContent Creation; Doc mgmt Lifecycle Document Mgmt System Insurance RatingRate Class Determination; Rating Algorithm Enterprise Rating engine Orchestration/IntegrationApplication interaction; synchronous process mgmt BPEL engine ApplicationEmbedded App Logic; Field Validation; Authorization Java,.NET, COBOL, etc. SecurityAuthentication, Authorization Web Service Mgmt Platform

14. 13 Use Case 3: Dynamic UI’s The Problem: Need to dynamically capture user information to provide insurance information or quotes. Rules based questions performed on the back end lower usability. No standards around rules based UI solutions. Why it matters: Customer experience. Speed to market. Possible Approach: Standardize on frontend rules-based UI solutions Tie existing standards together –W3C: XForms, XSLT, XPath, XML –JCP: JSR-168/286, JSR-94, JAXP –OASIS: WSRP

15. 14 Dynamic Data Capture Framework

16. 15 Q & A Thank You Balaji Prasad Director, Enterprise Architecture & Benjamin Moreland Director, Foundation Services Enterprise Architecture Group The Hartford Financial Services Group