coog version 2.6 released

COOG BACKOFFICE

Third-party repository management

  • Parameters enable verification of NIR consistency with personal information (date of birth, gender, commune of birth)
  • Initialization of departments in postal codes upon integration of Hexapost file and addition of INSEE code
  • Management of employment contracts
    • New employment contract management modules (party_employment, party_employment_fr) to collect information transmitted by the DSN (Déclaration Sociale Nominative). DSN data is available to the rules engine, enabling the construction of products/guarantees based on this data.
    • New modules for managing public-sector employment contracts (party_public_employment, party_public_employment_fr), integrating data specific to the public sector: management of public-sector indices, management of payroll deduction information.
    • New endorsement module for employment contracts (endorsement_party_employment): This module manages employment contract endorsements.
  • New birth data management module (party_birth_data): This module adds management of the commune of birth for an individual.

Contract management

  • Automatic termination of cover when the end date is reached.
  • Pre-setting of coverage amount rules: based on a list of amounts or based on amount brackets.
  • Configuration of mandatory member data for contract activation, depending on the product (e.g. for a death product, the commune of birth becomes mandatory).
  • Enhanced ‘Subscription by formula’ functionality. The choice of formulas can now be defined at contract level or at covered item level. What’s more, additional contract/item covered/option data can be predefined for a formula. Ex: If the insured chooses the “Dos/Psy” formula, the additional data “Avec Dos/Psy” on the ITT benefit will be checked automatically.
  • Customize the order in which additional data is displayed.
  • Addition of a shortcut in the menu bar to launch an endorsement from a third party.

Health

  • Management of a member’s noemization status. This status is activated according to a product option.
  • New modules Management of health claims delegation to almerys (third_party_protocol_almerys, claim_almerys):
    • Opening rights: Flux V3 almerys – Flux retour V3 almerys
    • Integration of almerys health benefits (almerys actuarial flow, almerys indu actuarial flow).
    • Integration of Social Security flow 929.

Risk analysis

  • Addition of a file summary (person covered and amounts insured) so that the medical bubble can read it easily during the risk analysis process.
    • Possibility of entering notes that are only visible to the medical bubble, enabling underwriters and the medical advisor to discuss the analysis of the file.
    • Addition of a free field to justify a contract exclusion.
    • Access rights management for exclusions.

Borrower

  • Manage eligibility by loan (e.g. exclude a bridging loan over 24 months).
  • Possibility of attaching a bank as a lending institution to a loan, enabling you to use the Banque de France reference system for lending institutions.

Contribution

  • Possibility of configuring a minimum release amount for fee generation, to avoid generating a pro rata release containing only fees.
  • Added option to release the entire term. Necessary for desktop publishing, if you wish to output the contract schedule as soon as it is activated.
  • The list of possible release modes for a contract becomes dynamic (using the rule engine). Useful when you only want to offer credit card payment for contracts with a very short duration.
  • New event issued on payment of a contract’s first receipt, triggering possible actions (e.g. production of a document).
  • From now on, the payer of a contract can only be the subscriber or another third party having a “payer” relationship with the subscriber.
    • Added to the rules for calculating premium dates the option of recalculating rates monthly in relation to the initial contract date. This option is useful for tariffs that change on a monthly basis.
    • New billing duration management module (contract_invoicing_duration): This module lets you define maximum invoicing durations. Necessary for certain funeral products (payment over 5/10/15 years).

Collection – Disbursement

  • A Paybox payment request can be issued from a subscription process. The Paybox link can then be displayed on a front-end or forwarded by email.
    • Configuration of the RmtInf field (Remittance Information field) on the SEPA payment journal, which will be included in the direct debit or credit transfer label.
    • Support for the SMNDA tag in SEPA messages for intra-bank mandate amendments for SEPA messages. This option is available in the payment journal configuration.
    • Ability to aggregate all unpaid items in a rejection file into a single accounting transaction (CAMT054).
    • Bank and branch repository loaded from Banque de France files.
    • Addition of a shortcut from a contract to retrieve associated reminders.

Claims

  • Identification at third-party level of the bank account to be used for benefit reimbursements.

Accounting

  • Generation of analytical lines on contract receipts and benefits based on additional contract data.

Distribution

  • New distribution channel management module (distribution_channel): This module enables you to define channel parameters and vary sales products, processes and rules according to the channel chosen at subscription (e.g. B2C distribution channel for a B2C portal, B2B distribution channel for a broker portal).

Sales support tool

  • Integration of needs gathering questionnaires during the sales process in Coog.
  • Product recommendation based on needs (scoring) can not only return products, but now also formula levels.

Delegated management

  • New delegated management modules (third_party_management, third_party_right_management): Identification and configuration of delegated management (management of delegated rights periods).

Document management, desktop publishing and electronic signature

  • Definition of a validation process when a required document is received. A document sent by an end-customer is only considered to have been received when management declares it compliant.
  • During underwriting, required documents can now be requested by policyholder, not just by contract.
  • Possibility of generating a document from a dynamic questionnaire. In particular, medical formalities can be validated by directly answering the corresponding questions.
  • Advanced electronic signature configuration, enabling you to choose the signature level, profile and corresponding process for each mail template.
  • Signing a bundle of documents: As online electronic signature services charge per document, it can be useful to merge the various mail templates to be signed before sending them to the electronic signature service. It is possible to merge both documents generated by coog and required documents supplied by the customer (e.g. medical formalities).
  • Issue of an event when the e-signature process has been successfully finalized, to automatically activate a contract upon e-signature of the enrolment form.
    • New BDOC desktop publishing module (report_engine_bdoc): Interface with BDOC desktop publishing software.

Rules engine

  • Wizard for creating 1 or 2-dimensional tables by copying and pasting from Excel, enabling you to import a table and create the dimensions and cells in a single pass, without pre-formatting in Excel.
  • Addition of a description field on a rule to provide a functional description of the algorithm.

Technical core

  • Possibility of deactivating chain batches by configuration.

COOG API

  • API gateway: management of a single point of entry.
  • SalesRoute API: end-to-end management of the customer sales process, with support for requirements gathering (DDA-compatible), multi-pricing, generation of related documents (application form, duty of advice form, etc.) and contract underwriting.
  • Supports Basic Auth, Oauth2 and OpenID Connect protocols.
  • API for uploading documents to a contract.
  • API for entering risk analysis results.
  • API for entering underwriter’s decision for risk analysis.
  • Addition of customized API resources in the description of additional data.
  • Management of coverage amounts in underwriting APIs.
  • API for administrative endorsement on a third party.
  • Claims bank account management in APIs.
  • API for distribution network creation.
  • API for loan schedule calculation.
  • Added identity management for APIs.

COOG PORTAL

  • Portal customization (themes, content).
  • Support for authentication via third-party providers such as Google, Facebook or Salesforces.
  • Ergonomic improvement of the sales tunnel.
  • Dashboard evolution with a shortcut to launch a new pricing or initiate a new sales path with DDA-compatible requirements gathering.
  • Addition of the user’s name in the top right-hand corner.