1. Oracle Policy Automation Introduction and Overview

2. Introducing Oracle Policy Automation
Customers include the world’s largest government agencies and global 1,000 financial services, insurance and commercial customers
Consistently recognized as a leader by industry analysts
Customers across North America, EMEA, Asia-Pacific, and Australia
Patented technology automates legislation and policy using natural language rather than programming language, with multiple languages supported
Designed for rapid creation of industry content that can be easily configured for an organization's unique requirements
Easy, standards-based integration, including integration with Oracle Siebel CRM
Mission to “Optimize Policy Automation”
Government agencies use Haley to serve tens of millions of citizens
Tier 1 commercial banks use Haley to serve millions of customers
Global insurers use Haley to automate tens of thousands of daily claims transactions
Dynamic self-service applications and high-volume enterprise automation based on complex policy and legislation
20 years as a proven EPA leader 2

3. Automating Complex Policies
Every interaction with customers or constituents is governed by logic based on policy and/or legislation
Am I eligible for a welfare payment?
What discounts can you offer me and what will my order cost?
How much tax do I have to pay?
What type of visa can I get?
There are 3 main ways to handle these complex interactions/decisions:
Employ rooms full of people trained to make the decision … but
People are expensive, and they all require detailed training
They make mistakes, are inconsistent, and biased
Can be inefficient
High turnover of staff means shortage of skills 1
Write custom code and scripts … but
Can be very difficult, very complex, and very expensive to write
Very difficult and costly to update to keep up with policy change (which they do all the time!)
Integration with other apps can be complex 2
Use Oracle Policy Automation
It’s quick and easy to set up, use and change
It integrates with existing applications, and is immediately web deployable
Business owners own the rules 3 3

4. The Traditional Software Life Cycle
STEP 1:
Document requirements, including business rules
STEP 4:
Test executables – note this is depicted as a black box because of the lack of transparency into system decisions
STEP 3:
Build solution using source code & supporting libraries
STEP 2:
Build detailed design of system, including terms & vocabulary
Driving change from this point in the process is very expensive – it involves traversing the entire life cycle again!

5. …so what if we had executable requirements specifications?

6. The Policy Automation Life Cycle
STEP 1:
Capture rules in Oracle Policy Modeling using natural language
STEP 3:
Deploy & test rules – well supported by transparent execution (decision reports)
Driving change from this point in the process is much cheaper – it involves fewer resources & fewer stages
STEP 2:
Map rules to enterprise data model using Oracle Policy Modeling

7. The Resulting Key Benefits
Policy Documents
Modeling
Enforcement
Deployment
Assessment
Optimization
Dramatically improves time-to-market for changes to policies and rules
Simplifies development and maintenance
Ensures accuracy and consistency in complex decisions and determinations
Reduces the burden on IT resources
Assesses the impact of changes in policy on customers and citizens through “what if” scenarios
Provides full audit-trail capability 7

8. 7 Key Enablers
Isomorphism
Policy
Determination Reporting
Temporal Reasoning
Dynamic Interactive Interviews
Policy Visualization
Business User Regression Testing
Multi-Lingual Capability
Policy Isomorphism Patented Business users can build a determinations application directly from source documents. Legislation and policy are copied directly into Microsoft Office, marked up, and then compiled into executable rules. The Word and Excel documents are easily matched to source material, and ideal for transparent sign-off of rules.
Determination Reporting Once a determination is reached a full audit report is automatically built in natural language that states the result and the reasons for the determination (which sections of the Act or policy applied)
Temporal Reasoning Patent Pending Provides time-based reasoning (allowing for changes in legislation/policy and circumstances over time without needing multiple sets of code or rules
Dynamic Interactive Interviews The server automatically generates interactive interviews which interpret the relevant questions that need to be asked in order to make a determination. Those questions are then provided interactively, in groups, in a logical order.
Policy Visualization To help understand the policy documents and their linkages, automated visualization tools illustrate the relationships inherent in the policy.
Business User Regression Testing Business users have the capability to detect gaps or logic errors in legislation and policy. The platform can therefore be used to model policy changes. Business Users can then automatically apply proposed changes in policy or legislation to historical cases to analyze the changes (in eligibility benefits, tax collections etc..)
Multi-Lingual capability Legislation and Policy can be mapped in English, Danish, Dutch, German (Beta), Spanish (Beta). More languages are under development, and are relatively inexpensive. No scripting or programming is required.

9. Key Enabler: Policy Isomorphism (Patented)
Empower business users to translate legislation into business rules with natural language based rules engine
Translate policies with configurable, flexible and reusable rules
Adapt business process to reflect ongoing changes to rules
source legislation or policy
executable document in natural language which business users can understand and modify
copy source material, paste into Word, markup 9 9

10. Demonstration: Oracle Policy Modeling
Fictional scenario
A housing agency is required to administer a cash benefit under the Housing Benefit Act
Call centres are issuing inconsistent and inaccurate advice; assessors are making mistakes in processing applications
The agency needs a web-based questionnaire that can determine eligibility for the benefit:
accurately
consistently
with automatic plain English explanations for decisions
for both internal use and public self-service
The legislation changes frequently and the system must be able to easily accommodate this
Live demonstration of turning Housing Benefit Act (one page of legislation) into interactive web interview using Oracle Policy Modeling.

11. Key Enabler: Out-of-the box dynamic interviews
Questions automatically created from source document without need for any programming
Asks least number of questions in most logical order to finalize a determination 11 11

12. Key Enabler: Determination Reporting
Positive and Negative statements automatically created to explain determination
Can be used to build the content for a letter of advice or audit
Natural language engine provides personalization and pronoun substitution 12 12

13. Key enabler: Temporal Reasoning (Patent Pending)
Efficiently handle changes in:
Eligibility, e.g. a change in minimum age, which takes affect on a certain date
Rates, e.g. quarterly increase of a benefit rate
Customer circumstances, e.g. number of children, marital status
Benefits of the Oracle Policy Modeling approach to temporal reasoning:
Accurate calculation of payments even when notification is retrospective
Expressing time-based logic is simple and concise
Optimal performance, without forgoing transparency or decision audits
Annual rate increase
Claimant is married
New child
Annual rate increase
Pay rise
New eligibility rules come into effect
Annual rate increase
New child 13 13

14. Key enabler: Temporal Reasoning (Patent Pending)

15. Benefits Increased accuracy in decision making and calculations
Appeal rate reduced by 30%
Improved efficiency for processing staff
60% more cases in 60% less time
80% productivity improvement
Reduced reliance on experts
Increased self-service uptake
Expected 20% self-service became 90%
Significantly faster development
Measured 5x faster than nearest competitor rules product, at least 10x faster than coding
Agility to respond to dynamic business needs
Changes that once took weeks now take hours
Business users understand (and can maintain) the “code”

16. Oracle | Haley Customer OverviewIT
Government
Financial Services
and Insurance
Other
Internal Revenue Service (US)
Govt of British Columbia (Canada)
Montana DMV (US)
Massachusetts DMV (US)
HM Revenue & Customs (UK)
Home Office (UK)
Ministry of Defence (UK)
Dept Trade and Industry (UK)
Dept of Social Security (Sweden)
Westchester County (US)
ICF Road Home (US)
50+ Local Councils (UK)
Small Business Service (UK)
Dept of Statistics (Netherlands)
Dept of Defence (Australia)
Dept of Veterans’ Affairs (Australia)
Dept of Immigration (Australia)
NSW Government (Australia)
American Fidelity (US)
Countrywide (US)
Credit Suisse (Switzerland)
UBS (Switzerland)
BUPA (UK, Ireland)
NASD (US)
United Healthcare (US)
HealthMarkets (US)
American International Assurance (US)
Farm Bureau Financial Services (US)
British American Tobacco (UK)
Motosport (US)
Cisco (US)
Intel (US)
AT&T (US)
Toyota Motor Corp (US) 16

17. Immigration Case Determinations
Overview
The purpose of the Department of Immigration and Citizenship (DIAC) is to ‘enrich Australia through the well managed entry and settlement of people’.
6,000 staff located in all states and territories, 160 Australian-based staff in 60 countries
Business Results
Massive increase in self service using Visa Wizard
Reduced strain on frontline staff to deal with enquiries about potential Visa eligibility
Strategic Impact
Delivery of a large number of projects designed to improve the work environment for DIAC staff, clients and partner organizations
DIAC will be able to better serve clients through
Consistent operating processes
Easily accessible instructions
Integrated record keeping
Effective QA processes
Accessible online training
Effective reporting
Challenges
Lack of support for staff in decision-making roles
Gaps and vulnerabilities in systems and processes
High profile errors in decisions resulting in political flak
Solution
A business-user driven solution that allows DIAC to capture, test, maintain and execute their policies and legislation
Integrated within the overall IBM project solution in a service-oriented architecture (SOA)
Self service portal including a Visa Wizard

18. e-Government Tax and Revenues
Overview
HMRC is responsible for collecting the bulk of UK tax revenue, as well as paying Tax Credits and Child Benefits, and strengthening the UK's frontiers.
29.5 million taxpayer records, 8.4 million Self Assessment
Business Results
Up to ten-fold productivity improvements for system development compared to conventional software approaches
For first system rolled out (employment status):
Business case assumed 25% self service but actual results over 90%
Saved millions of pounds in additional headcount that would have been required without automation
Projected headcount reallocation of over 1,000 staff
Strategic Impact
The GBU continues to assist HMRC in delivering on its Public Service Agreement targets
Oracle Policy Automation established as key delivery tool in 5 year Strategic Plan
Challenges
Pan Government requirements for administrative efficiencies
High volumes of enquiries at high cost
Mystery shopper exercise: same enquiry made 9 times, 9 different responses given by staff
Massive uncertainty for taxpayers
Solution
Interactive systems deployed which faithfully reflect complex legislative and associated policy and business policies
Interactive guidance platform based on Oracle Web Determinations 18

19. Veterans’ Entitlements
Overview
Department of Veterans’ Affairs is responsible for providing funding to former Australian soldiers and service personnel
It approves and provides funding for a number of purposes, including
Healthcare
Pensions
Home renovations
Solution
Haley’s technology enabled a comprehensive re-engineering of the compensation claims policy and process
Solution delivered a system that guides assessors through the rules governing more than 250 medical conditions
System enabled single assessor processing, end to end
Personalised evidence-gathering questionnaires tailored to the client’s medical circumstances and service history
Determination of rates of payments, if any
Challenges
Highly critical Auditor General report on veteran compensation payments
Lengthy claim process: 6 months with only 2 days or so work on each claim (veterans dying before processing)
Up to 12 staff members involved in processing each claim
Senior staff needed to approve claims
Legislation allowed subjectivity and discretion by assessors
Assessments were inconsistent and open to appeal
Results
60% more claims in 60% less time
80% productivity improvements
Appeals reduced by 30% (cost of appeals previously half the total cost)
Reduction in the processing staff by 1 / 3
Reduced reliance on senior staff / doctors
Administrative savings alone of more than $2m per annum 19

20. OPA Components CRM, Portal HR, ERP Oracle Policy Automation
Oracle Policy Modeling
Oracle Policy Automation
Oracle Web Determinations
Oracle Policy Automation Connector for Siebel
Oracle Determinations Server (SOA)
Middleware / Native Web Services / Java / .NET
Oracle Policy Automation Connector for SAP JCo
Oracle Determinations Engine
HR, ERP
Other Database

21. Shared Services & Enterprise SOA
Sample Use Cases
Canada - British Columbia Social Services
Siebel
British American Tobacco (BAT)
Siebel, mobile devices
Department of Immigration and Citizenship
Siebel, Websphere
Defence (UK)
Veterans’ compensation integrated via SOA
SKAT (Danish Revenue)
Rules through SOA to core systems / SAP
CBS (Dutch Statistics)
SOA integration on a Microsoft platform

22. Shared Services & Enterprise SOA
What?
Deliver reusable services for intra- and extra-enterprise efficiency and cost savings
Deliver rules tightly integrated with CRM (especially Siebel)
Why Oracle Policy Automation?
Out of the box Determinations Server is easy to integrate
Conforms to WS-Interoperability, WS-Internationalization
Multiple WSDL modes deliver flexibility
XML in and out are identical schemas
Certified on many platforms
Apache TomCat, BEA AquaLogic, IBM WebSphere, SAP Netweaver
Pre-integrated with Siebel, deeper integration in progress
Roundtrip with enterprise metadata repositories
Synchronise rules with System Architect, Rochade et. al.

23. OPA with Siebel Connector
The user has initiated a task in Siebel to collect the details from each party. The Parent With Care’s details are entered first. 23 23

24. Add a new Non Resident Parent
The user then selects to enter a Non Resident Parent. This screen is required because the user can enter multiple Non Resident Parents and multiple Children. 24 24

25. Enter Non Resident Parent details1. 2.
In the first half of the screen the user enters the details about the Non Resident Parent. In the bottom half of the screen more detail is captured about the NRP. The fundamental parts of the calculation require the NRP’s gross income and further details to take into account for the calculation (for example, if you are in prison you do not pay Child Support). 25 25

26. Add the details for each child
Finally the Children’s details are entered. 26 26

27. Review the case
The details can be reviewed in Siebel before a case is created. 27 27

28. Calculate the payments
The case worker then selects the “Calc” button to initiate the Child Maintenance Calculation. This invokes the Haley Data Connector for Oracle Siebel which takes the data that has been entered and sends it to the rules engine for assessment. 28 28

29. Oracle Policy Automation returns a successful outcome
The determination engine notifies the case worker that the assessment was a success. 29 29

30. Siebel is updated with the liability
The annual liability has been calculated for the NRP. This is the total amount that they must pay in the year. 30 30

31. The audit trail behind the answer
The decision report can also be selected to show how this calculation was reached. 31 31

32. Oracle Policy Automation creates the payment schedule
Haley also calculates the monthly payment schedule and this is fed into Siebel. 32 32

33. Who needs Oracle Policy Automation?
If you can benefit from any of these capabilities, Oracle Policy Automation is right for you:
Efficient modeling by business users of natural language rules in Microsoft Word and Excel documents
Handling large, complex or inter-related policies, including those that vary over time
Delivering audit reports of how decisions are reached
Ensuring rule changes across releases are well-managed with strong regression testing capabilities
Optional interactive web-based decision making for customers or employees to obtain their own answers to complex questions
A high-speed determinations solutions in a service-oriented architecture
Ease of integration with Siebel, SAP and other systems

34. Who to contact Sales Director Pre-sales
Eng-Chin Tan
Pre-sales
Christopher Yo
David Clarke