Integration Guide for CML-Based Policy Loans

Transcription

1 SAP Policy Management 5.3 SAP Loans Management (Suite edition) in SAP ERP 6.0 EHP7 Collections and Disbursements in SAP ERP 6.0 EHP7 CUSTOMER Integration Guide for CML-Based Policy Loans Document Version:

2 Typographic Conventions Type Style Example Example EXAMPLE Example Example <Example> Description Words or characters quoted from the screen. These include field names, screen titles, pushbuttons labels, menu names, menu paths, and menu options. Textual cross-references to other documents. Emphasized words or expressions. Technical names of system objects. These include report names, program names, transaction codes, table names, and key concepts of a programming language when they are surrounded by body text, for example, SELECT and INCLUDE. Output on the screen. This includes file and directory names and their paths, messages, names of variables and parameters, source text, and names of installation, upgrade and database tools. Exact user entry. These are words or characters that you enter in the system exactly as they appear in the documentation. Variable user entry. Angle brackets indicate that you replace these words and characters with appropriate entries to make entries in the system. EXAM PLE Keys on the keyboard, for example, F2 or EN TER. 2

3 Document History Version Date Change Draft Version for Beta- shipment Final version for FS-PM 5.3 SP00 RTC Final version for FS-PM 5.3 SP01 RTC Document History 3

4 Table of Contents 1 Introduction Disclaimer About this Document Required Releases and Support Packages References Abbreviations Constraints Setting Up Remote Connections and Users FS-CML: Create User for RFC Calls and Assign a Role Create the RFC Destination from FS-PM to FS-CML Service Configuration in SOAMANAGER The Loan Contract Retrieve Service Summary of Services for CML Integration Policy Loan-Specific Settings in FS-CD Policy Loan Settings for Dunning in FS-CD Policy Loan Settings for Interest Calculation in FS-CD Document Splitting for Transfer Posting in FS-CD Setting Up FS-CD for New Functions in FS-PM Settings for Automatic Clearing in FS-CD Further Policy Loan-Specific Settings Disbursement of a Loan Policy Loan Settings in FS-CML Policy Loan-Specific Customizing for Loan Conditions Policy Loan Customizing for FS-CD Integration Other Policy Loan Settings Policy Loan-Specific Settings in FS-PM Interface Customizing for Communication with FS-CML Policy Loan Customizing in Policy Management Policy Loan Settings in FS-CM Switch Off Payment Item Splitting Check of Minimum Repayment Amount Additional Information Business Partner Specifics for FS-CML and FS-CD Appendix Interfaces for External Access to FS-CML Policy Loans FS-PM Interfaces and BAdIs for Life Benefit Claims Integration Table of Contents

5 Table of Contents 5

6 1 Introduction 1.1 Disclaimer This guide is not part of SAP product documentation. By using this guide, you agree that (unless expressly stated otherwise in your agreements with SAP) you may not infer any product claims against SAP based on this information. 1.2 About this Document Use This document provides information about how to combine the following SAP products into an integrated insurance solution for CML-based policy loans: SAP Policy Management (FS-PM) SAP Loans Management (Suite edition) (FS-CML) SAP Collections and Disbursements (FS-CD) SAP Claims Management (FS-CM) 6

7 Note: The orchestration layer is the software layer where business processes affecting more than one business object should be implemented. The business processes for policy loans, for example, require coordinated access (read, write) to insurance contracts and loan contracts. Loan contracts can be created (or increased) only if the insurance contract fulfils specific conditions; the access has to be done in a certain sequence. Coordination of access is neither the duty of a policy system nor of a loan management system. These individual systems are responsible of their own objects. The structure package /PM0/A_ORCHESTRATION serves as an entry point to the orchestration layer. This guide is aimed at system administrators or technical consultants to help them set up the relevant connections between the different systems. Furthermore, it provides a guideline on what needs to be considered when configuring and implementing CML-based policy loans. Chapter 2 of this guide describes how to set up the remote connections and users in the systems involved. Chapter 3 provides information about the policy loan settings in the FS-CD system that are required to execute the scenario. Chapters 4, 5 and 6 provide information about the required configuration settings in the FS-CML system (section 4), in the FS-PM system (section 5), and in the FS-CM system (section 6). Chapter 7 contains additional information about specific business partner settings for FS-CML and FS-CD. The Appendix in section 8 contains a list of important interfaces and BAdIs. Notes: This guide focuses on the specifics of the new integration scenario for CML-based policy loans. This guide does not describe existing functions of policy loans in FS-PM (which are relevant only for existing customers) (see also the references in section 1.2). 7

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9 1.3 Required Releases and Support Packages Prerequisites: You have installed the following releases. SAP Policy Management (FS-PM) 5.3 SAP Loans Management (Suite edition) (FS-CML) in SAP ERP 6.0 EHP7 SAP Collections and Disbursements (FS-CD) in SAP ERP 6.0 EHP7 SAP Claims Management (FS-CM) in SAP ERP 6.0 EHP7 You can use the integration scenario for CML-based policy loans with the following support packages: SAP Policy Management (FS-PM) 5.3 SP01 or higher SAP Loans Management (Suite edition) (FS-CML) in SAP ERP 6.0 EHP7 SP10 or higher SAP Collections and Disbursements (FS-CD) in SAP ERP 6.0 EHP7 SP10 or higher SAP Claims Management (FS-CM) in SAP ERP 6.0 EHP7 SP10 or higher If you use ERP 6.0 EHP7 SP10, you have to install the following additional SAP Notes: RFC-Baustein für Kontenpflege (FI-CA) (RFC Module for account maintenance (FI-CA)) Voraussetzung für Hinweis (FS-CD) (Prerequisite for Note (FS-CD)) RFC-Baustein für Kontenpflege (FS-CD) (RFC Module for Account Maintenenance (FS-CD)) 1.4 References Title Internet Address Description SAP Policy Management - Installation Guide -> Installation and Upgrade Information -> Installation Guide Describes the installation process for the SAP component SAP Policy Management (FSPM) Master Guide SAP for Insurance -> Installation and Upgrade Information -> Master Guide Describes the deployment options for FS-PM running together with SAP ERP Master Guide and Installation Information for SAP ERP -> SAP Business Suite Applications -> SAP ERP -> SAP ERP 6.0 -> Installation -> ERP 6.0 Installation information for SAP ERP 6.0 9

10 1.5 Abbreviations In the following table, the most important abbreviations used in this integration guide are listed: Title SAP Policy Management SAP Loans Management (Suite edition) Collections and Disbursements Claims Management Abbreviation FS-PM FS-CML FS-CD FS-CM 1.6 Constraints Only the interfaces required for the use of policy loans are available in Loans Management (FS-CML), but there is no user interface that can be used productively. The user interface must be built as a customer enhancement in a customer project according to your specific requirements. SAP Policy Management (FS-PM) delivers functions to greatly simplify the task of connecting the relevant components. In the solution for CML-based policy loans, loan contracts must be managed in the same currency as their insurance contracts. It is currently not possible to support policy loans whose currency does not match that of their insurance contracts. 10

11 2 Setting Up Remote Connections and Users This section describes how to set up the remote connections between FS-PM and FS-CML for CML-based policy loans. This consists of the following steps: 1. FS-CML: Create user and grant authorization (transaction SU01) 2. FS-PM: Create RFC destination for connectivity to FS-CML (transaction SM59) 3. FS-PM and FS-CML: Configure enterprise services in the FS-PM and FS-CML systems (transaction SOAMANAGER). This will be described in detail at a later point in time. Note: Technically, it is possible to use the same user for a connection from FS-PM to FS-CML and from FS-PM to FS-CD because both FS-CML and FS-CD need to be installed in the same system. This common user then needs to have all necessary authorization for FS-CML as well as for FS-CD. However, we recommend that you set up separate users (each with a minimum amount of specific authorization) and separate RFC destinations (also see the settings in section 5.1). 2.1 FS-CML: Create User for RFC Calls and Assign a Role The user in the FS-CML system for the RFC calls from FS-PM must have the role SAP_CML_LOANS_OFFICER (or similar) to be able to perform the necessary steps in the FS-CML system. To create the user for the RFC calls with the required authorization, proceed as follows in FS-CML: 1. Call up transaction SU Create the appropriate user. 3. On the Logon Data tab, enter Dialog in the User Type field (the user must be a dialog user). In all other fields, you can enter the values according to your requirements. 4. On the Roles tab you can either use the role SAP_CML_LOANS_OFFICER or create a new role and grant the relevant authorizations. 5. Double-click on the relevant Role field. 6. Choose the Authorizations tab. 7. In the Maintain Authorization Data and Generate Profiles section, choose Change Authorization Data. 8. Save the data. 11

12 2.2 Create the RFC Destination from FS-PM to FS-CML To connect FS-PM with FS-CML, you have to create a new RFC destination. This RFC destination needs to be targeted to the corresponding client in the FS-CML system and the previously created user must be assigned to it. Use transaction SM59 to create this new RFC destination. For more information about how to create a remote connection with transaction SM59, see SAP Library for SAP NetWeaver on SAP Help Portal at under Application Help->Function-Oriented View-> Application Server-> Application Server Infrastructure-> Functions and Tools of SAP NetWeaver Application Server-> Connectivity-> Components of SAP Communication Technology-> Classic SAP Technologies (ABAP)-> RFC-> RFC Administration->Maintaining Remote Destinations. 2.3 Service Configuration in SOAMANAGER The process component Automatic Premium Loan Financing (APLF), which enables the payment of an overdue open premium by creating a loan, is to a large extent based on enterprise services. The service implementations for provider and consumers exist; but the services need to be configured in order to be able to send data to the right system. If you have in place a Process Integration (PI) system as the message hub, you should use it. In this integration guide, we explain how to set up the services for simple point-to-point communication without using a PI system. In the following sections, we explain the setup of the Loan Contract Retrieve service from the service provider side and from the service consumer side. The other services need to be set up in a similar way. For more information about the process component Automatic Premium Loan Financing (APLF), see SAP Library for Policy Management on SAP Help Portal at under Application Help-> Policy Management-> Integration-> Enterprise Services for SAP Policy Management->Automatic Premium Loan Financing. For more information about the PI system, see SAP Library for SAP NetWeaver on SAP Help Portal at under Application Help->Function-Oriented View-> Process Integration The Loan Contract Retrieve Service Provider Side Service Interface: BankAccountContractProcessingManageLoanContractIn Service Operation: RetrieveLoanContract Start the transaction SOAMANAGER in the Loans Management (FS-CML) system. Go to Service Administration Web Service Configuration. Search by object name for RetrieveLoanContract. Click on cell RETRIEVELOANCONTRACT in the Internal Name column and navigate to Web Service Configuration. The Define Services and Bindings grid should be blank: 12

13 Click Create Service and fill out the requested fields starting with a service name, a service description text, and a new binding name: 13

14 Click Next and make the settings for Provider Security: e.g. for transport level security, message level security, the authentication settings, all according to the security regulations in your company. 14

15 Click Next and review the settings for the SOAP protocol. Change them if required. Click Next and review the operation settings. Change them if required. 15

16 Click Finish and the systems returns to the grid Define Services and Bindings. By default, the service is now active and can be consumed. For the consumer side, you will need the WSDL, which can be accessed by clicking Open Binding WSDL Generation and Binding level. At the bottom of the popup, you will find the URL which can be used to configure the service consumer. Copy it to your notepad (or another appropriate temporary storage). Now you have done the configuration of the service provider. Let us now go to the corresponding service consumer. 16

17 Consumer Side Service Interface: AutomaticPremiumLoanFinancingManageOut Service Operation: QueryLoanContract Start the transaction SOAMANAGER in the FS-PM system. Go to Service Administration Web Service Configuration. Search by object name for AutomaticPremiumLoanFinancingManageOut. Click /PM0/CO_AOXI_APLF_LC_MNG in the Internal Name column and navigate to Web Service Configuration. The Define Logical Ports grid should be blank: 17

18 Click Create and select the first entry WSDL based Configuration. Fill out the requested fields. Do not forget to set the Logical Port is Default indicator. 18

19 Proceed with Next. To access the WSDL, you have multiple options. In this example we describe only one. Select Via HTTP Access for WSDL Base. Then provide the URL to the WSDL of the service provider that you have copied to the notepad earlier. Enter it in the URL for WSDL Access field. Enter your user name and password to access the FS-CML system where the WSDL resides. 19

20 Proceed with Next. This may take a couple of seconds. On the next screen, select the binding. f 20

21 Proceed with Next and enter your user name and password. Note: The content of this screen depends on what you have selected on the Provider Security screen during the setup of the provider side. 21

22 We will skip the next screens (HTTP Settings, SOAP Protocol, Identifiable Business Content and Operation Settings) and leave them as they are. After clicking Finish, we arrive back at the Define Logical Ports grid which now has an additional entry. Note that this port is a "Logical Default Port". You finally should try out the "Ping"-function by clicking on the most right icon in the "Actions" cell. 22

23 If you have set up the port correctly, a success message is displayed. Now the first service connection is set up. The FS-PM system (e.g. the process component Automatic Premium Loan Financing) is able to read loan contracts synchronously from the FS-CML system. 23

24 2.3.2 Summary of Services for CML Integration Nr Service Provider Service Provider Operation Service Consumer Service Consumer Operation 1 BankAccountContract ProcessingManageLoa ncontractin RetrieveLoanContract AutomaticPremiumLoan FinancingManageOut QueryLoanContract 2 BankAccountContract ProcessingLoanContra CreateLoanContractAsB ulk 3 ctin_v1 UpdateLoanContractAs Bulk AutomaticPremiumLoan FinancingLoanContractO ut RequestLoanContractC reationasbulk RequestLoanContractU pdateasbulk 4 LoanDisbursementReq uesterpbulkcreatere quest_in LoanDisbursementRequ esterpbulkcreaterequ est_in AutomaticPremiumLoan FinancingLoanDisbursem entrequestout RequestLoanDisburse mentrequestcreationa sbulk 5 AutomaticPremiumLo anfinancingin ChangeBasedOnLoanCo ntractcreationconfirma tionasbulk BankAccountContractPr ocessingloancontractou t_v1 ConfirmLoanContractC reationasbulk 6 ChangeBasedOnLoanCo ntractupdateconfirmati onasbulk 7 ChangeBasedOnLoanDi sbursementrequestcre ationconfirmationasbul k LoanDisbursementReque sterpbulkcreateconfirm ation_out ConfirmLoanContractU pdateasbulk LoanDisbursementReq uesterpbulkcreatecon firmation_out Note: In general, you configure the service providers and service consumers. You do not explicitly refer to the service operations. The system will automatically identify pairs of provider and consumer operations. We have only mentioned the operations here to give you a brief overview of the available pairs. 24

25 3 Policy Loan-Specific Settings in FS-CD To handle policy loans in FS-CD, a number of Customizing entries must be available in the FS-CD system before you can post data, for example, from FS-CML. The most important entities are as follows: Company code Insurance object category Main transactions and sub-transactions for the loan cash flow (for example, disbursement, interest, and repayment) These Customizing entries have to be created in the FS-CD system before they can be used in the upstream systems. However, most of these entries are already available with the old FS-PM-based solution for policy loans. Thus, in the following sections we will focus on the settings that are required for the new integration scenario for CML-based policy loans. 3.1 Policy Loan Settings for Dunning in FS-CD Check if the main transaction or sub-transaction setting of the according company code allows dunning. Choose Customizing for SAP Insurance under Collections/Disbursements -> Basic Functions -> Postings and Documents -> Document -> Maintain Document Assignments -> Maintain Transactions for FS-CD -> Define and Parameterize External Transactions. Configure a dunning procedure and check if the interest determination is active for each dunning level. Choose Customizing for SAP Insurance under Collections/Disbursements -> Business Transactions-> Dunning -> Dunning by Dunning Procedure -> Configure Dunning Procedure. Define a dunning variant that points to the dunning procedure and assign this variant to the FS-CD insurance contract. Choose Customizing for SAP Insurance under Collections/Disbursements -> Business Transactions -> Dunning -> Dunning by Dunning Procedure -> Define Dunning Variants. 3.2 Policy Loan Settings for Interest Calculation in FS-CD Create a dummy interest calculation rule without assigning a condition. Choose Customizing for SAP Insurance under Collections/Disbursements -> Business Transactions -> Interest Calculation -> Define Interest Calculation Rules. Create a dummy interest key for the dummy rule. Choose Customizing for SAP Insurance under Collections/Disbursements -> Business Transactions -> Interest Calculation -> Define Interest Key. Assign a main transaction and sub-transaction for that dummy interest key in the posting area V070. Choose Customizing for SAP Insurance under Collections/Disbursements -> Business Transactions -> Interest Calculation -> Balance Interest Calculation -> Assign Main and Sub-Transactions to Interest Keys. Register a suitable function module for event 2075 to perform the interest calculation in CML. Check if function module FSCD_SAMPLE_CML_2075 meets your requirements. Otherwise, you may use it as a template for a customer specific function module. 25

26 3.3 Document Splitting for Transfer Posting in FS-CD Activate document splitting for transfer postings in FS-CD. Create an installation-specific function module and register this module for event Both parameters DOCUMENT_SPLITTING_ON and SPLITTING_CRITERIA_XBLNR must be set. 3.4 Setting Up FS-CD for New Functions in FS-PM The SAP Notes Setting up FS-CD for new functions in FS-PM Release 5.3 and Setting up FS- CD for Automatic Premium Loan in FS-PM Release 5.3 are required for the integration between FS-PM and FS-CD in the automatic premium loan scenario. 3.5 Settings for Automatic Clearing in FS-CD In the automatic premium loan scenario, the dunned open item for the premium is automatically cleared with the disbursement of the automatic premium loan. To be able to generate the reconciliation key for the automatic clearing an entry with value 'PM0' has to exist. Choose Customizing for SAP Insurance under Collections/Disbursements -> Data Transfer -> Maintain Caller ID for External Interfaces: 3.6 Further Policy Loan-Specific Settings Disbursement of a Loan Automatic G/L account determination for the main transactions and sub-transactions for policy loans: Define the reconciliation accounts to which receivables and payables are to be posted. 26

27 Choose Customizing for SAP Insurance under Collections/Disbursements-> Basic Functions-> Postings and Documents -> Document -> Define Account Assignments for Automatic Postings -> Automatic G/L Account Determination -> Define Accounts for Receivables/Payables. Deferred Revenue Postings for Policy Loans: Enter the delayed revenue accounts for your revenue accounts. You enter a delayed business area and a delayed revenue account for a business area/revenue account combination. Choose Customizing for SAP Insurance under Collections/Disbursements ->Business Transactions-> Deferred Revenue Postings -> Maintain Account Determination for Time-Based Deferred Revenue Postings. 27

28 4 Policy Loan Settings in FS-CML 4.1 Policy Loan-Specific Customizing for Loan Conditions SAP delivers three condition structure types: o S00 Interest rate fixed, no spread o S01 Interest rate variable, spread variable (V1 + V3) o S02 Int. rate fixed, spread var. (Int. +/*/- Spread) For more information about the condition structure types, see Customizing for SAP Banking under Loans Management -> Basic Settings -> Policy Loan Integration -> Define Condition Structure Types. The underlying table has a customer namespace and can be enhanced with customer-specific types. For non-sap condition structure types, you have to implement the Business Add-In (BAdI) FVD_PL_CONTRACT (methods CHANGE_CONDITIONS, CHANGE_CONTRACT, CHANGE_PARTNER) to adjust contract master data during creation according to the condition structure type (mandatory). They can also be used for adjustments for S00, S01, and S02 (optional). For more information about the BAdI FVD_PL_CONTRACT, see Customizing for SAP Banking under Loans Management -> Basic Settings -> Policy Loan Integration -> Business Add-Ins (BAdIs) -> BADI: Master Data. A sample contract must be assigned to one of the combinations of condition structure type and product type. This relation is evaluated when FS-PM requests FS-CML to create a policy loan. Only samples that match the requirements of condition structure types can be assigned (S00, S01, and S02). Samples for customer-specific condition structure types can be checked with Business Add-In (BAdI) FVD_PL_CONTRACT, method CHECK_SAMPLE). For more information about the assignment, see Customizing for SAP Banking under Loans Management -> Basic Settings -> Policy Loan Integration -> Assign Samples to Condition Structure Types. 28

29 Note: The product type 32B contains values for policy loans. The product type 32C contains values for automatic premium loans (APLs). 4.2 Policy Loan Customizing for FS-CD Integration Assign the FS-CD attributes (for example the insurance object category) to the product type. Choose Customizing for SAP Banking under Loans Management -> Basic Settings -> Policy Loan Integration - > Assign Default Values for Product Type. Assign the FS-CD attributes (for example main transactions and sub-transactions) to the FS-CML product type and flow type. Choose Customizing for SAP Banking under Loans Management -> Basic Settings-> Policy Loan Integration-> Assign Transactions and other Values and Activate CD Posting per Flow Type. For the integration of policy loans with FS-CD, you can implement the Business Add-In (BAdI) FVD_PL_CD. For more information about the BAdI FVD_PL_CD, see Customizing for SAP Banking under Loans Management -> Basic Settings -> Policy Loan Integration -> Business Add-Ins (BAdIs) -> BAdI: Integration with FS-CD. 29

30 4.3 Other Policy Loan Settings Define additional data for the company codes you use: Choose Customizing for SAP Banking under Loans Management -> Basic Settings -> Organization -> Define Company Code Additional Data. Define new product types for policy loans with FS-CD integration: Choose Customizing for SAP Banking under Loans Management -> Transaction Management -> Product Types -> Define Product Types. Note: The product type 32B contains values for policy loans. The product type 32C contains values for automatic premium loans (APLs). Select the Integration with Policy Management / Collections and Disbursements (Integr. With PM/CD) checkbox. 30

31 Define company code settings for the product type. Choose Customizing for SAP Banking under Loans Management -> Transaction Management -> Product Types -> Company-Code Dependent Settings for Product Type. When you define the status per product type, make sure the Setting for FI posting is 3 (Actual records in subledger, FI posting with customer). The settings for FI posting determine whether Treasury flows are posted to Financial Accounting (FI). You can make further settings, for example: o Define a new condition group for policy loans with FS-CD integration and assign conditions and flow types per application. To do so, choose Customizing for SAP Banking under Loans Management -> Transaction Management -> Condition Types -> Define Condition Groups. For example, the condition group 600 Policy Loans with FS-CD int.is available. 31

32 o Reversal of postings in FS-CML with posting to FS-CD: In this step, you assign activity categories to reversal transaction categories. This is necessary to display documents in the reversal transaction. Make your entries for the product type for policy loans in the company code. Choose Customizing for SAP Banking under Loans Management -> Functions -> Accounting -> Reversal - > Assign Activity Category to Group Reversal Transaction. 32

33 o You can define the account assignment references you need. The account assignment reference determines the general ledger account (balance sheet account) to which a financial product is to be posted in Financial Accounting. Choose Customizing for SAP Banking under Loans Management -> Functions -> Accounting -> General Ledger Update-> Define Account Assignment Reference and Control Automatic Determination of Account Assignment Ref. o You can make the required settings for a payoff. Choose Customizing for SAP Banking under Loans Management -> Functions -> Business Operations-> Payoff / Notice. To execute a borrower change, you have to define a borrower change reason and assign a transfer reason (FS-CD open item transfer) to the same. Choose Customizing for SAP Banking under Loans Management -> Functions -> Business Operations-> Borrower Change-> Assign Transfer Reason to Reason for Borrower Change (view V_VDPL_TRS_RSN). 33

34 5 Policy Loan-Specific Settings in FS-PM 5.1 Interface Customizing for Communication with FS-CML To enable the communication from FS-PM to FS-CML, set up the interface Customizing in transaction SPRO. Choose Policy Management -> Integration -> Process Primary Settings for Interfaces to External Systems. On the Logical Destinations level, make the following settings: Name: CL - Loans Management Logical Destination: Use the created connection from Chapter 2.2 Dialog Destination: Use the created connection from Chapter 2.2 On the Assign Classes to Logical Destinations level, make the following settings: LoB Name: LL Class Interface: /PM0/CL_AB_INT_CML 34

35 5.2 Policy Loan Customizing in Policy Management In Customizing under Policy Management-> Integration-> Loans Management FS-CML-> Policy Loan, execute the following Customizing activities: Define Product-Dependent Conditions for Policy Loans In this Customizing activity, you determine for the policies of a certain product module how the related policy loan should be managed in Loans Management (FS-CML) and which product dependent conditions should be applied. If you use automatic premium loans, assign a separate product type for automatic premium loans to differentiate it from other policy loans. Under Business Add-Ins: BAdI: Create and Increase a Policy Loan with UI (/PM0/AOAL_POLICY_LOAN_BADI) You can use this BAdI for a customer solution when you want to calculate the maximum loan amount, or to create and increase a loan contract in Loans Management (FS-CML), from the orchestration layer of the system that coordinates policy loans. For more information, see the documentation of the Customizing activity. BAdI: Calculation of Maximum Loan Amount (/PM0/ABT_MAX_LOAN_AMOUNT_BADI) You can use this BAdI in a customer solution to calculate the maximum loan amount of an insurance contract. For instance, you can implement the calculation of the maximum loan amount for the functional creation or increase of a policy loan. For more information, see the documentation of the Customizing activity. BAdI: Date Determination for Automatic Premium Loan (/PM0/ABP_APRLN_DATE_SRVC_BADI) You can use this BAdI to control the date determination for the execution date of the automatic premium loan. The date determination can be differentiated by product module group. For more information, see the documentation of the Customizing activity. BAdI: Encapsulation of Write Accesses to FS-CML (/PM0/ABT_WRITE_CML_BADI) This BAdI encapsulates the write access to Loans Management (FS-CML), which is then run in the release. This BAdI enables you to change or enhance the service calls, or to change the calls of the RFC function modules of FS-CML. For more information, see the documentation of the Customizing activity. In Customizing under Policy Management-> In-Force Business Management-> Basis-> Business Transactions, Actions, and Process Steps -> Business Add-Ins (BAdIs) BAdI: Check Change Loan Characteristics (/PM0/ALP_LOANCH_CHECK_BADI) 35

36 You can use this BAdI to check if the Change Loan Characteristics business transaction can be completed. For instance, you can control which fields in the Change Loan Characteristics business transaction must be changed to justify completion in the Change Loan Characteristics business transaction. In Customizing under Policy Management -> Integration-> Claims Management FS-CM-> Business Add-Ins (BAdIs) -> General Functions for CM Interface execute the following policy loan-specific Customizing activities: BAdI: Settlement of Policy Loan You can use this BAdI to settle policy loans that were created in Loans Management (FS-CML). In Customizing under Policy Management-> In-Force Business Management-> Basis-> Transfer Business-> Business Add-Ins (BAdIs), execute the following Customizing activities: BAdI: Checks Before Transfer Business You can use this BAdI to make customer-specific adjustments before the execution of a transfer business (product change, sales product change, replacement business). For more information, see the documentation of the Customizing activity. In Customizing under Policy Management -> In-Force Business Management -> Basis-> Update -> Time Model, execute the following Customizing activity for the use of automatic premium loans: Define Execution Criteria for Time Model Functions Define a product module group that contains the time model functions APRLNDUNR and APREMLOAN for the automatic premium loan, but does not contain the time model functions SISUBDUNR and SINGLESUB for the single substitution, since automatic premium loan and single substitution should not be used together in one product. 36

37 6 Policy Loan Settings in FS-CM For more information about setting up a connection from FS-CM to FS-PM, see SAP Library for Claims Management in SAP ERP on SAP Help Portal at -> Claims Management - >Claim-> Life-Specific Concepts in Claims Processing -> Customizing Settings for Life Benefit -> Interface to Policy System. 6.1 Switch Off Payment Item Splitting The open loan interest and principal loan receivables are offset by the payment in FS-CM. This offset is reflected in the contract account of the policy loan as a credit posting in FS-CD. Depending on the number of one-time benefit values of the claim, FS-CM splits this posting into multiple documents. To switch off payment item splitting in FS-CM, deselect the Payment Plan Items Not Compressed checkbox in Customizing under SAP Insurance -> Claims Management -> Claim -> Business Settings -> Payments/Subrogation/Recovery -> Special Settings for FS-CD -> FS-CD: Define Contract Acct Creation Variant and Insurance Object for Claim. 6.2 Check of Minimum Repayment Amount A withdrawal through FS-CM (external partial surrender) leads to a reduction of the insurance contract reserves. Before the payout can happen, you must ensure that the loan contract is still covered after the withdrawal. Otherwise the calculated minimum repayment amount needs to be repaid by offsetting the loan contract. FS-CM provides a Business Add-In that enables you to run your own checks for the loan. This Business Add-In enables you to check the minimum repayment amount. In Customizing, choose SAP Insurance -> Claims Management-> Claim -> Technical Settings -> Business Add-Ins Specific to Life Benefit -> Policy Loan -> BAdI: Check Data for Policy Loan. FS-CM provides a Business Add-In that enables you to determine this amount. In Customizing, choose SAP Insurance -> Claims Management-> Claim -> Technical Settings -> Business Add-Ins Specific to Life Benefit -> Policy Loan -> BAdI: Policy Loan Interface. The minimum repayment amount can be retrieved from FS-PM by calling the /PM0/ALT_CM_CALC_MIN_REPAYMENT function module. 37

38 7 Additional Information 7.1 Business Partner Specifics for FS-CML and FS-CD The components FS-PM, FS-CML, FS-CD, and FS-CM all use the SAP Business Partner (FS-BP) for personal data such as names, addresses, bank data and more. In a productive environment, FS-CML, FS-CD, and FS-CM have to be installed in the same SAP NetWeaver instance with a local FS-BP installation in place, whereas FS-PM accesses the same business partner data remotely. Business partners need to fulfill certain criteria so that they can be used in policy loan scenarios (for example, there must be a customer number for the BP so that a loan disbursement can be made in FS-CML). This is a description about how to create a business partner that fulfills these criteria. 1. Start transaction BP in the FS-CML/FS-CD/FS-CM system to create a new BP 1.1 Create a new business partner. 1.2 Use business partner grouping TR02 and specify a business partner ID. Fill in the data for title, name, address, and search term. 38

39 1.3 Change the address validity to 01/01/ Enter the required data on the Identification tab. 39

40 1.5 Enter the bank details on the Payment Transactions tab. 1.6 Save the business partner. Once you have done so, the application changes to display mode. 2. Switch to change mode and add new business partner roles. 2.1 Add the role TR0100 (Main Loan Partner). 2.2 Save the business partner in the new role. 2.3 Create a customer by selecting the Create Customer checkbox on the Customer: General Data tab page and save. 40

41 If the customer creation was successful, the customer number field is filled when you save the business partner. If the customer number is not filled by the system, add the BP role FLCU01 Customer and save it again. Finally it should look like this: 3. Enter the company code data. 3.1 Enter a reconciliation account on the Account Management tab page. 41

42 3.2 Enter the payment methods and a house bank on the Payment Transactions tab page. 3.3 Save the business partner. 4.0 Switch to change mode and add new business partner roles. 4.1 Add the role MKK (Contract Partner). 4.2 Save the business partner in the new role. You can now start using this business partner to run the CML-based policy loan scenarios. 42

43 8 Appendix 8.1 Interfaces for External Access to FS-CML Policy Loans Note: Please also have a look at the system for the function modules of the mentioned function groups. Function group FVD_PL_RFC RFC access related to policy loans FVD_PL_COND_GET Get condition types for capital increase (KAER)/ capital decrease (MAIN) FVD_PL_COND_STRUC_TYPES_GET Get condition structure types (S00, S01) for PLI company code/product type FVD_PL_CONTRACTS_GET Get contracts for each insurance contract FVD_PL_CONTRACT_ADD_PARTNER Add a new partner to the insurance object (used before or during borrower change) FVD_PL_CONTRACT_CAPITALS_GET Get contract capitals on key date FVD_PL_CONTRACT_CHANGE Change policy loan (CALL TRANSACTION for loan change) FVD_PL_CONTRACT_CHANGE_DATE Change end date of a policy loan (fixed until date/term end) FVD_PL_CONTRACT_CHANGE_INSR_ID Change insurance contract ID in CML contract FVD_PL_CONTRACT_CHANGE_STATUS Change (external) status of a policy loan (VDARL-SSTATI) FVD_PL_CONTRACT_CHECK Check policy contract (is an insurance object assigned?) 43

44 FVD_PL_CONTRACT_CREATE Create a policy loan (CALL TRANSACTION FNV6) FVD_PL_CONTRACT_DISBURSE Disburse policy loan (CALL TRANSACTION FNVD or with API) FVD_PL_CONTRACT_DISPLAY Display policy loan (CALL TRANSACTION FNVS) FVD_PL_CONTRACT_END_POSTING Update planned records and post (to prepare termination of a contract) FVD_PL_CONTRACT_GET_PER_TRANS Get contract number for each business transaction number FVD_PL_CONTRACT_GET_PLAN_SUMS Get sums from planned records for each flow type group FVD_PL_CONTRACT_GET_TRANS Get main transaction and sub-transaction for each contract/flow type group FVD_PL_CONTRACT_INCREASE_CAP Increase contract capital (add capital increase condition) FVD_PL_CONTRACT_REPAIR Repair policy contract if necessary (create insurance object) FVD_PL_INT_REF_GET Get available interest references FVD_PL_IOA_CALCULATE Calculate IOA based on contract conditions FVD_PL_PAYOFF_CREATE Create a payoff (CALL TRANSACTION FN8X) FVD_PL_PAYOFF_CREATE_WITH_API Create a payoff (with payoff API) FVD_PL_PAYOFF_TEMPL_ID_GET Get payoff template IDs per product type/company code FVD_PL_PROD_TYPE_GET Get product types for policy loan integration per company code FVD_PL_SAMPLE_GET_PER_TYPE Get sample contract for a given condition structure type 44

45 Function group FVD_PL_QRFC Function modules for qrfc access related to policy loans FVD_PL_Q_CONTRACT_CHANGE_DATE Change end date of a policy loan FVD_PL_Q_CONTRACT_CHG_INSR_ID Change insurance contract ID FVD_PL_Q_CONTRACT_END_POSTING Update planned records and post (to prepare termination of a contract) FVD_PL_Q_PAYOFF_CREA_WITH_API Create a payoff with API FVD_PL_Q_UPD_PLANNED_RECORDS Update planned records Enhancement Spot FVD_PL (Policy Loan Integration) Note: Please also have a look at the enhancement spot FVD_PL in the system for the relevant Business Add-Ins (BAdIs) and their methods. FVD_PL_CD BAdI for Integration of Policy Loans with FS-CD Methods: DETERMINE_TRANSACTION Determine Main/Sub-Transaction CHANGE_PPI_REMOTE Change Payment Plan Items (CD in remote destination) CHANGE_PPI_LOCAL Change Payment Plan Items (CD and CML in same system) CHANGE_DATA_INSOBJECT_CREATION Change Data before Creation of Insurance Object CHANGE_DATA_INSOBJECT_CHANGE Change Data before Change of Insurance Object TRANSFER_OPEN_ITEMS Transfer Open Items 45

46 CHANGE_ROLE_RELEVANT Check if partner in certain role shall be assigned to insurance object FVD_PL_CONTRACT BAdI for master data (Policy Loan Integration) Methods: CHECK_SAMPLE Check Sample Contract (after assignment to condition structure type) CHANGE_CONDITIONS Change Conditions (VZZKOPO) (during creation) (can be used to change data according to own condition structure types) CHANGE_CONTRACT Change Contract (VDARL) (during creation) CHANGE_PARTNER Change Partner (VDGPO) (during creation) CHECK_MODE Check if Mode (Display, Create...) is allowed (to be able to start for example FNVM for a policy loan) 8.2 FS-PM Interfaces and BAdIs for Life Benefit Claims Integration Function group /PM0/ALT_CM_CM2FSPM Life Services Claims Interface Note: We only list the most relevant function modules (for more information, see the function group in the system): /PM0/ALT_CM_CALCULATE_BENEFIT Calculates the Benefit /PM0/ALT_CM_CALC_MIN_REPAYMENT Calculates the Minimum Repayment Amount /PM0/ALT_CM_EXECUTE_CTR_CHG Executes the Contract Change /PM0/ALT_CM_GET_PREM_LOAN_DATA Determines Premium and Loan Data 46

47 Enhancement Spot /PM0/ALT_CM_BADI_ES Claim/FS-PM integration for Life Benefit Note: We only list the most relevant BAdIs (for more information, see the enhancement spot in the system). /PM0/ALT_CM_CALC_BNF_BADI BAdI for Calculation of Benefit /PM0/ALT_CM_EX_CTR_CHG_BADI BAdI for Claim Life Service "Contract Restructuring" /PM0/ALT_CM_GET_PRMLON_BADI BAdI for Claims - Life - Services Premiums - Loan Data Enhancement Spot /PM0/ALT_CM_STL_LOAN_BADI_ES Settlement of Policy Loan BAdI contained: /PM0/ALT_CM_STL_LOAN_BADI BAdI: Settlement of Policy Loan 47

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