Red Hat JBoss BRMS comprises a high performance rule engine, a rule repository, easy to use rule authoring tools, and complex event processing rule engine extensions. The following use case describes how these features of JBoss BRMS are implemented in insurance industry.

The consumer insurance market is extremely competitive, and it is imperative that customers receive efficient, competitive, and comprehensive services when visiting an online insurance quotation solution. An insurance provider increased revenue from their online quotation solution by upselling relevant, additional products during the quotation process to the visitors of the solution.

The diagram below shows integration of JBoss BRMS with the insurance provider's infrastructure. This integration is fruitful in such a way that when a request for insurance is processed, JBoss BRMS is consulted and appropriate additional products are presented with the insurance quotation.

JBoss BRMS provides the decision management functionality, that automatically determines the products to present to the applicant based on the rules defined by the business analysts. The rules are implemented as decision tables, so they can be easily understood and modified without requiring additional support from IT.

This section describes a use case of deploying JBoss BPM Suite to automate business processes (such as loan approval process) at a retail bank. This use case is a typical process-based specific deployment that might be the first step in a wider adoption of JBoss BPM Suite throughout an enterprise. It leverages features of both business rules and processes of JBoss BPM Suite.

A retail bank offers several types of loan products each with varying terms and eligibility requirements. Customers requiring a loan must file a loan application with the bank. The bank then processes the application in several steps, such as verifying eligibility, determining terms, checking for fraudulent activity, and determining the most appropriate loan product. Once approved, the bank creates and funds a loan account for the applicant, who can then access funds. The bank must be sure to comply with all relevant banking regulations at each step of the process, and has to manage its loan portfolio to maximize profitability. Policies are in place to aid in decision making at each step, and those policies are actively managed to optimize outcomes for the bank.

Business analysts at the bank model the loan application processes using the BPMN2 authoring tools (Process Designer) in JBoss BPM Suite. Here is the process flow:

Business rules are developed with the rule authoring tools in JBoss BPM Suite to enforce policies and make decisions. Rules are linked with the process models to enforce the correct policies at each process step.

The bank's IT organization deploys the JBoss BPM Suite so that the entire loan application process can be automated.

The entire loan process and rules can be modified at any time by the bank's business analysts. The bank is able to maintain constant compliance with changing regulations, and is able to quickly introduce new loan products and improve loan policies in order to compete effectively and drive profitability.