Architecting the Future Web Services at Nationwide Srinivas Koushik

1. Architecting the Future Web Services at Nationwide Srinivas Koushik VP, Enterprise Chief Technology Officer Nationwide ACM Annual Symposium Columbus May 16, 2003

2. Nationwide Services Company Scottsdale Insurance Nationwide Realty Investors Farmland Insurance Nationwide Health Plans Inc. Allied Insurance Nationwide Global Hosting Inc. Nationwide Advantage Mortgage Company Nationwide Retirement Solutions Inc. Gates McDonald Nationwide Provident Gartmore Global Investments Inc. Gartmore Investments Limited Nationwide • Global company with offices in 8 countries • More than 30,000 employees • More than 5000 IT employees • Insurance, Financial Services, Asset Management • Ranked 111 on Fortune 500 • 4th largest insurer in U.S. • $113 Billion in Assets • More than 16 million • policies in force • .NET and DCOM • Java and J2EE • Mainframe and AS/400 • Custom applications • Packages for CRM, ERP • Dedicated agents • Independent Agents • Wholesale producers • Retail producers • Direct Sales Centers • Internet

3. Data exchange with financial partners EFT and Bank card transfers Claims and repair information Partners Policy Processing Billing Claims Underwriting Customer Relationship Management Customer Acquisition/ Agent Commissions/ Market data Agents Producers Customers Customer Self Service Portfolio Management Online Trading Policy Processing Claims Processing Loan Processing Electronic Bill Presentment Electronic Bill Payment Electronic Library Agency Management & Support Agency data upload and download Customer Acquisition System Commissions Business Intelligence Underwriting, Actuarial, Driving Habits, Risk, Loss data, Propensity Models Employees Employee Focused Employee Self-Service HR Applications Electronic Library Externally Focused Electronic Library Call Center Applications Knowledge Management Nationwide Services Oriented Architecture

4. Data exchange with financial partners EFT and Bank card transfers Claims and repair information Partners Security and Identity Management User Interface Portals Policy Processing Billing Claims Underwriting Customer Relationship Management Customer Acquisition/ Agent Commissions/ Market data Agents Producers Services Web Services Customers NSC Nationwide Global Nationwide Insurance Scottsdale Allied Farmland Nationwide Financial Gartmore Global Provident Customer Self Service Portfolio Management Online Trading Policy Processing Claims Processing Loan Processing Electronic Bill Presentment Electronic Bill Payment Electronic Library Integration EAI Agency Management & Support Agency data upload and download Customer Acquisition System Commissions Business Intelligence Underwriting, Actuarial, Driving Habits, Risk, Loss data, Propensity Models Customer & Producer Data Data Nationwide Reference Architecture Employees Employee Focused Employee Self-Service HR Applications Electronic Library Externally Focused Electronic Library Call Center Applications Knowledge Management Nationwide Services Oriented Architecture Roadmap

5. PCs Wireless Devices Web Services Company A Legacy Applications Client/Server Apps E-business Apps Databases Open Technologies Internet PDAs Open Technologies Company B Legacy Applications Client/Server Apps E-business Apps Databases Open Technologies Open Technologies Services Broker Other Companies Service Requester Service Providers Service Requesters consume Web Services provided by Service Providers. They find these Web Services and Service Providers using a Service Broker. Service Providers create and publish web services that supply Service Requesters with tasks necessary in the Requester's application. Service Broker Service Brokers register available services from Service Providers and make matches with requests from Service Requesters.

6. Our Vision for Web Services • Innovation • Enable our vision of a ‘Federated Model’ for the enterprise • Extend our enterprise to include our agents and producers • Provides the foundation of our Services Oriented Architecture • Interoperability • Allows us to reuse services across multiple channels and devices • Enables us to integrate the applications built using COM and J2EE • Integration • Integrate applications and processes across enterprises (B2B) • Selective use in legacy systems integration Web Services represents promising technology but it is not a panacea or a silver bullet

7. External Services Directory Node Internal (Private) Web Services Directory Node External Web Services Gateway Node Internal Web Services Gateway Node Nationwide Reference Architecture – Web Services Extensions Directory and Security Node Client Node Database Server Node Reverse Proxy Node Content Management Node Personalization Node Enterprise Systems Node External Systems Node Web Server Node Language Translation Node Web Portal Node Integration Hub Node Web Application Server Node Edge Server Node Public Internet Enterprise Firewall Node Protocol Firewall Node Domain Firewall Node Enterprise Data Node Transcoder Node Search Node SSL Acceleration Node

8. Key Architectural Issues • Security • Identity Management and Trust Assertion • Secure Web Services • Infrastructure support for Web Services • Architecture • Highly scalable Web Services • Service Level Management for Web Services • Release Control and Change Management • Business Process Integration • Business Process Orchestration • Transactional Integrity and Durability

9. Nationwide Financial Web Service Implementation Provident Logs on to Provident’s web site X.509 SAML Producer Producer Application Server Web Service Response Web Service request Application Server Application Objects Directory

10. Applications for Web Services Private Partner Public NF Portfolio Management as intranet web service Provident retail agent desktop links to NF portfolio management web service Automated applications use public registries to assemble a complete value-chain, negotiate terms, bind contracts, and executes an order. Business Process Claims Notice of Loss is set up as a web service that can be accessed from multiple channels Blue ribbon body shops access a claim that they are working on and update repair details Nationwide’s rating engine is exposed as a web service that can be called by external entities Business Transaction WHAT (Complexity) Employee name and address information accessible as a web service Name and address information of key claims contacts available as a web service to our partners (Safelite auto glass etc.) Customer self service web site (eNationwide) accesses employee name and address information Business Information WHO (Level of Security)

11. Questions? skoushik@nationwide.com www.nationwide.com

12. ACCESS TO CURRENT INFO. ANYTIME / ANYWHERE ACCESS LOOSELY COUPLED ARCHITECTURE LOWER INTEGRATION COSTS STRAIGHT THROUGH PROCESSING FLEXIBLE B2B INTEGRATION USE OF STANDARDS PLATFORM INTEROPERABILITY TIME TO MARKET Claims Scenario CALL CENTER 1 POLICY DATABASE CLAIMS DATABASE Auto collision occurs 3 Claims Processing 2 Customer calls to report loss Second Carrier Estimating Vendor UDDI Towing Vendor Rental Vendor Private UDDI lists Nationwide and Partner Web services Repair Vendor Partners collaborate using web services 5 4

13. ACCESS TO CURRENT INFO. ANYTIME / ANYWHERE ACCESS LOOSELY COUPLED ARCHITECTURE PCs LOWER INTEGRATION COSTS STRAIGHT THROUGH PROCESSING FLEXIBLE B2B INTEGRATION PDAs USE OF STANDARDS PLATFORM INTEROPERABILITY TIME TO MARKET Wireless Devices Internet Appliances Report Ordering Scenario 6 Request Credit Report TransUnion Receives Credit Report 7 Insurance Customer 4 Request MVR for all drivers ChoicePoint TML Customer requests an auto policy MVRs are sent to Nationwide 1 5 Internet Nationwide AOA+ Request Policy Info & Claims History 2 9 8 AOA + Database Return Bound Policy Bind Policy Provide Policy Info & Claims History 3

14. ACCESS TO CURRENT INFO. ANYTIME / ANYWHERE ACCESS LOOSELY COUPLED ARCHITECTURE LOWER INTEGRATION COSTS STRAIGHT THROUGH PROCESSING FLEXIBLE B2B INTEGRATION USE OF STANDARDS PLATFORM INTEROPERABILITY TIME TO MARKET Enabling Producers NF - Best Of America Producer NF Web Application Logon Logon INTERNET Nationwide Provident Enterprise Web Service Gateway NF Web Service Provider Application Request Content (Credentials) ID Mapping Authorization