WSMO descriptions of application 1 - DIP - Semantic Web

WSMO descriptions of ApplicationEXECUTIVE SUMMARYThis deliverable contains the WSMO descriptions of the Semantic Web Services thatwill be deployed in the context of the mortgage comparison application specified indeliverable D10.2.The deliverable contributes to the goals of DIP by providing a use case for the use ofWSMO in the description of the SWS involved in an application, and for the use of theSWS architecture defined in the context of this project.This deliverable is relevant for all the DIP technical workpackages (1, 2, 3, 4a, 4b, 5,and 6), since it provides constraints about the type of SWS that will have to berepresented in the context of eBanking applications. It also provides relevantinformation about how this case study will use the functionalities provided by the DIPinfrastructure, namely discovery, mediation and execution.The target audience of this deliverable is as follows: the partners who are developingtools to be used for the description of SWS, the partners who are developing the DIPinfrastructure according to the DIP architecture (either the underlying middleware or theindividual components), and external readers who are interested in finding informationabout a use case for SWS.Disclaimer: The DIP Consortium is proprietary. There is no warranty for the accuracyor completeness of the information, text, graphics, links or other items contained withinthis material. This document represents the common view of the consortium and doesnot necessarily reflect the view of the individual partners.Deliverable 10.4

WSMO descriptions of ApplicationDocument InformationIST ProjectNumberFull titleProject URLDocument URLEU Project officer Kai TulliusFP6 – 507483 Acronym DIPData, Information, and Process Integration with Semantic Web Serviceshttp://dip.semanticweb.orgDeliverable Number 10.4 Title WSMO descriptions of the applicationWork package Number 10 Title Case study eBankingDate of delivery Contractual M 18 Actual 29-June-2005Status version 0.1 final NatureDisseminationLevelPrototype Report Dissemination Ontology Public Consortium Authors (Partner)ResponsibleAuthorSilvestre Losada, Oscar Corcho,Jesús Contreras, Richard Benjamins,Jordi Ribas (iSOCO), Mónica Martínez Montes, José Luis Bas, SergioBellido (Bankinter),Silvestre Losada Email slosada@isoco.comPartner iSOCO Phone +34913349797Abstract This deliverable contains the WSMO descriptions of the SWS that will be(fordeployed in the context of the mortgage comparison application specified indissemination) deliverable D10.2.KeywordsWSMO, financial servicesVersion LogIssue Date2-04-05Rev No.001AuthorSilvestreLosadaiSOCO20-04-05 002 OscarCorchoiSOCOChangeCreates initial version of the DocumentExecutive summary2-05-05 003 Jesús Changes in sections 2 & 3. Conceptual architectureDeliverable 10.4

WSMO descriptions of ApplicationContreras10-05-05 004 SilvestreLosada13-05-05 005 JL BasSergioBellidoWSMO descriptionsChanges in introductión15-05-05 006 Jordi Ribas Descriptions added.20-05-05 007 RichardBenjamins16-06-05 007 SilvestreLosadaVersion for internal review.Implement recommendations QA review.Deliverable 10.4

WSMO descriptions of ApplicationProject Consortium InformationPartner Acronym ContactNational University of Ireland GalwayFundacion De La Innovacion.BankinterBerlecon Research GmbHBritish Telecommunications Plc.Swiss Federal Institute of Technology,LausanneEssex County CouncilForschungszentrum InformatikNUIGBankinterBerleconBTEPFLEssexFZIProf. Dr. Christoph BusslerDigital Enterprise Research Institute (DERI)National University of Ireland, GalwayGalwayIrelandEmail: chris.bussler@deri.orgTel: +353 91 512460Monica Martinez MontesFundacion de la Innovation. BankInterPaseo Castellana, 2928046 Madrid,SpainEmail: mmtnez@bankinter.esTel: 916234238Dr. Thorsten WichmannBerlecon Research GmbHOranienburger Str. 3210117 Berlin,GermanyEmail: tw@berlecon.deTel: +49 30 2852960Dr John DaviesBT Exact (Orion Floor 5 pp12)Adastral Park MartleshamIpswich IP5 3RE,United KingdomEmail: john.nj.davies@bt.comTel: +44 1473 609583Prof. Karl AbererDistributed Information Systems LaboratoryÉcole Polytechnique Féderale de LausanneBât. PSE-A1015 Lausanne, SwitzerlandEmail : Karl.Aberer@epfl.chTel: +41 21 693 4679Mary Rowlatt,Essex County CouncilPO Box 11, County Hall, Duke StreetChelmsford, Essex, CM1 1LXUnited Kingdom.Email: maryr@essexcc.gov.ukTel: +44 (0)1245 436524Andreas AbeckerForschungszentrum InformatikHaid-und-Neu Strasse 10-1476131 KarlsruheGermanyEmail: abecker@fzi.deTel: +49 721 9654 0Deliverable 10.4

WSMO descriptions of ApplicationPartner Acronym ContactInstitut für Informatik, Leopold-FranzensUniversität InnsbruckILOG SAUIBKILOGProf. Dieter FenselInstitute of computer scienceUniversity of InnsbruckTechnikerstr. 25A-6020 Innsbruck, AustriaEmail: dieter.fensel@deri.orgTel: +43 512 5076485Christian de Sainte Marie9 Rue de Verdun, 94253Gentilly, FranceEmail: csma@ilog.frTel: +33 1 49082981inubit AGIntelligent Software Components, S.A.NIWA WEB SolutionsThe Open UniversitySAP AGInubitiSOCONIWAOUSAPTorsten Schmaleinubit AGLützowstraße 105-106D-10785 BerlinGermanyEmail: ts@inubit.comTel: +49 30726112 0Dr. V. Richard Benjamins, Director R&DIntelligent Software Components, S.A.Pedro de Valdivia 1028006 Madrid, SpainEmail: rbenjamins@isoco.comTel. +34 913 349 797Alexander WahlerNIWA WEB SolutionsNiederacher & Wahler OEGKirchengasse 13/1aA-1070 WienEmail: wahler@niwa.atTel:+43(0)1 3195843-11 |Dr. John DomingueKnowledge Media InstituteThe Open University, Walton HallMilton Keynes, MK7 6AAUnited KingdomEmail: j.b.domingue@open.ac.ukTel.: +44 1908 655014Dr. Elmar DornerSAP Research, CEC KarlsruheSAP AGVincenz-Priessnitz-Str. 176131 Karlsruhe, GermanyEmail: elmar.dorner@sap.comTel: +49 721 6902 31Deliverable 10.4

WSMO descriptions of ApplicationSirma AI Ltd.Unicorn Solution Ltd.Vrije Universiteit BrusselSirmaUnicornVUBAtanas Kiryakov,Ontotext Lab, - Sirma AI EADOffice Express IT Centre, 3rd Floor135 Tzarigradsko ChausseSofia 1784, BulgariaEmail: atanas.kiryakov@sirma.bgTel.: +359 2 9768 303Jeff EisenbergUnicorn Solutions Ltd,Malcha Technology Park 1Jerusalem 96951IsraelEmail: Jeff.Eisenberg@unicorn.comTel.: +972 2 6491111Carlo WoutersStarlab- VUBVrije Universiteit BrusselPleinlaan 2, G-101050 Brussel ,BelgiumEmail: carlo.wouters@vub.ac.beTel.: +32 (0) 2 629 3719LIST OF KEY WORDS/ABBREVIATIONSAcronymExplanationOWLWeb Ontology LanguageSOAPSimple Object Access ProtocolSWSSemantic Web ServicesUDDIUniversal Discovery, Description and IntegrationWSDLWeb Service Description LanguageWSMLWeb Service Modeling LanguageWSMOWeb Service Modeling OntologyWSMXWeb Service Execution EnvironmentXMLeXtensible Markup LanguageDeliverable 10.4

WSMO descriptions of ApplicationTABLE OF CONTENTSEXECUTIVE SUMMARY...................................................................................................... ILIST OF KEY WORDS/ABBREVIATIONS......................................................................... VITABLE OF CONTENTS.....................................................................................................VII1. INTRODUCTION ........................................................................................................ 12. USE CASE OVERVIEW............................................................................................... 12.1. INTRODUCTION ......................................................................................... 12.2. CONCEPTUAL ARCHITECTURE ............................................................. 32.3. ACTORS ROLES AND GOALS.................................................................. 42.4. DIP COMPONENTS AND SYSTEM ARCHITECTURE........................... 53. WSMO USE CASE MODELS .................................................................................... 73.1. Ontologies.................................................................................................... 173.1.1. Bankinter Domain Ontology................................................................... 173.1.2. Bankinter Knowledge Base..................................................................... 213.1.3. Bank1 Domain Ontology. ....................................................................... 223.1.4. Bank1 knowledge base. .......................................................................... 253.2. Goals............................................................................................................ 253.3. Web Services ............................................................................................... 293.3.1. Bankinter Services. ................................................................................. 293.3.2. Bank1 services ........................................................................................ 323.3.3. Bank2 services ........................................................................................ 353.3.4. Bank3 services ........................................................................................ 383.4. Mediators. .................................................................................................... 414. CONCLUSIONS ........................................................................................................ 43REFERENCES .................................................................................................................. 43APENDIX A ..................................................................................................................... 45LIST OF FIGURESFigure 1. Conceptual Architecture.................................................................................... 3Figure 2 Mortgage comparison service overview. ........................................................... 4Deliverable 10.4

.Figure 3. System architecture. .......................................................................................... 6LIST OF TABLESTable 1: “Financial Ontology” ......................................................................................... 7Table 2: “Bankinter knowledge Base” ............................................................................. 7Table 3. “Bank1 domain Ontology”................................................................................. 8Table 4. “Bank1 knowledge base” ................................................................................... 8Table 5.“Concrete Goal for find mortgage simulator”..................................................... 8Table 6. “Concrete goal to find mortgage.”...................................................................... 9Table 7. “Concrete goal to find mortgage”....................................................................... 9Table 8. "Bankinter Mortgage simulator Web Service"................................................. 10Table 9. “Bankinter Mortgage simulator Web Service”................................................. 10Table 10. “Bankinter Mortgage simulator Web Service”............................................... 11Table 11. “Bank1 Mortgage simulator Web Service”.................................................... 11Table 12. “Bank1 Mortgage simulator Web Service”.................................................... 11Table 13. “Bank1 Mortgage simulator Web Service”.................................................... 12Table 14 “Bank2 Mortgage simulator Web Service”..................................................... 12Table 15. “Bank2 Mortgage simulator Web Service”.................................................... 12Table 16. “Bank2 Mortgage simulator Web Service”.................................................... 13Table 17. “Bank3 Mortgage simulator Web Service”.................................................... 13Table 18. “Bank3 Mortgage simulator Web Service”.................................................... 14Table 19. “Bank3 Mortgage simulator Web Service”.................................................... 14Table 20. “OWL currency mediator” ............................................................................ 14Table 21. “OWL currency mediator”. ............................................................................ 15Table 22. “OWL mediator, imports ontology bank2 into wsml format”. ...................... 15Table 23. “OWL mediator, imports ontology bank3 into wsml format”. ...................... 15Table 24. “OOmediator, Transforms ontology bank1 in Financial ontology”............... 16Table 25. “OOmediator, Transforms ontology bank2 in Financial ontology”............... 16Table 26. “OOmediator, Transforms ontology bank3 in financial ontology”................ 16

WSMO descriptions of application.1. INTRODUCTIONThis document introduces the WSMO formal description of eBanking Case Study WebServices. The objective of this document is twofold: on the one hand it provides a usefulrequirement set for DIP software infrastructure and on the other hand it contributes tothe construction of basic eBanking SWS infrastructure.The eBanking case study covers almost all typical scenarios of application constructionand integration using SWS technology. The application automates the process ofcollecting mortgage data from several banks, taking into account that the data can beaccessed by executing SWS from different banks. Then it provides this aggregatedinformation to users, according to the data that they have filled-in in appropriate queryforms.From the business point of view it helps the bank customer to find out the best mortgageproduct. Even if the functionality is not new (many banks already include it in theirservice offering) the underlying technology is revolutionary. The usage of DIPtechnology allows for low cost and quick application construction and adaptation to themarket evolution and needs. In a short period of time and with less effort thantraditional software development, the bank is able to deploy new business processes totheir customers.This document is organized as follows: section 2 defines the general organization of theUse Case; Section 3 presents examples of specific WSMO descriptions. Section 4concludes the document.2. USE CASE OVERVIEWThis section provides a description of the setting of this use case.2.1. INTRODUCTIONComparador.com is a web portal that provides mortgage information offered byfinancial organizations to its users. At this moment this process is not automatic andrequires human interaction; since a worker has to update the information baseswhenever there is a change in the mortgages, the maintainance cost is elevated. UsingSWS this process can be automated, reducing the costs and increasing the quality of theinformation since the data are collected in real time.Actually these kinds of services are fed with data obtained with screen-scrapingtechniques or filled in by humans. These data are used internally to resolve the requiredmathematic formulae. Thus, the information should not be quite accurate, since slightlydifferent formulae could be used by each Bank, as is actually the case.In contrast with these kinds of services, in our Case Study data is to be calculated byeach Bank provider, using its own formulae and, therefore, certifying the results in realtime. It is then possible to apply this case study to other industrial sectors. For example,it can be used to create Simulator/Comparator applications to the Travel, Real State orInsurance sectors.- 1 -

WSMO descriptions of application.The mandatory parameters to calculate the mortgage formula are::• Monthly payment: The amount of money it is paid every month.• Number of payments during the whole life of the mortgage.• Total mortgage amount.• Interest rate to be applied to the mortgage.• Type of interest: Fixed type, variable type or mixed. Banks usually havedifferent rates for each type of loan.The specific interest rate for a given mortgage is supposed to be embedded in each bankWeb Service, so it will not take part of the input parameters. The type of interest has tobe provided by the user. From the other three remaining parameters (monthly payment,number of payments, total mortgage amount) only two have to be provided by the user:the other one will be calculated by the system, being the output data.Therefore we have three combinations of possible input data:InputMonthly payment + Number of Payments + Type of InterestMonthly payment + Mortgage Amount + Type of InterestNumber of Payments + Mortgage Amount + Type of InterestOutputMortgage AmountNumber of PaymentsMonthly paymentFor the sake of simplicity the following assumptions are considered by each bank:• All the monthly payments are equal (the Web Service will provide the firstpayment amount).• All the monthly payments include the amortization of the principal (not onlyinterestpayments are involved).• The operation commissions are not considered.Also a set of optional output data can be considered; hence they may be provided or notby some SWS.Optional OutputdataStarting interest rateTAEDescriptionThe mortgage starting interest rateThe interest rate including commissions (mandatory in Spain)- 2 -

WSMO descriptions of application.Commissions The product commissions (usually a percentage of the loan amount)Info Any other kind of information2.2. CONCEPTUAL ARCHITECTUREIn this use case, the comparator is the central point of interaction between the customerand other service providers. Our Comparator aggregates Web Services of differentfinancial entities that provide mortgage comparator services. In short, it provides thefollowing functionality: A customer uses the Comparator service as the entry point forhis requests. The end-user services are aggregated by the Comparator by invoking WebServices offered by several financial entities service providers. Figure 1 depicts thisprocessFigure 1. Conceptual Architecture.The conceptual architecture illustrates the structure of the comparator, the servicesoffered by the providers (banks) and the end user interfaces. Each time a client wants toknow the mortgage market proposals, the application provides him/her with the actualsimulations made ON-LINE in each bank WS-based Simulator. The results are givenback to the user in a human-readable interface so that he is able comparing them. Somefurther filtering on the outputs provided to the user can be done to improve the systemusability. The data obtained could be order by end user using some criteria like interest,amount etc.Figure 2 shows the complete sequence of interactions that are carried out between thedifferent components of the system.- 3 -

WSMO descriptions of application.COMPARISONSERVICEBANKSFigure 2 Mortgage comparison service overview.When a bank creates a new SWS register description in a common repository. Thesedescriptions are used by discovery component in order to offer to the customers suitableservices according with his preferences.1. When a customer wants to know mortgage offers he she connects to mortgagecomparison service, and introduces necessary data to find mortgage offers.2. Mortgage comparison service builds a formal goal in WSML according to thegoal template using customer’s data inputs.3. Once a goal has been built, is sent to the discovery to find suitable services thatmatch with a customer preferences expressed in the goal.4. Discovery component returns a set of services that fulfil customer preferences.5. Each service is invoked by the mortgage comparison service in order to obtainall mortgage offers offered by banks.6. Mortgages offers obtained from banks are given back in a human readableinterface so that the customer is able to compare them.2.3. ACTORS ROLES AND GOALSIn this use case there are 3 actors. This section defines why they participate in this usecase (goal) and the particular interactions they are involved in (roles).1. Customer the end-user that requests a service provided by the comparator- Goal: find Mortgage Offers.- 4 -

WSMO descriptions of application.- Role: end-user, interacts with Comparator for service usage.2. Comparator: the intermediate between the Customer and the Banks. It providesmortgage market proposals to customers by aggregating the separate offersprovided by the single Service Providers (Banks).- Goal: Provide to the end users the greater number of existing mortgagesoffers in the market, facilitating to them the selection of best mortgage, in theother side the financial organizations are able to show more easly mortgageoffers to customers- Role: interaction with the customer via user interface (e.g.: web-based fordirect human, via Web Services for machine-users or whatever), usage WebServices offered by Service Providers, centrally holding all functionalities forhandling SWS (mechanisms for discovery, composition, execution, etc.)3. -Banks: commercial companies that provides mortgages offers.- Goal: Give publicity to its mortgage loans so that the final clients contractthem.- Role: Provide information about his mortgages offers, also provide thesemantic descriptions of its services.2.4. DIP COMPONENTS AND SYSTEM ARCHITECTUREIn this use case, the comparator is the central point of interaction between the Customerand other Web Services. Regarding the technological requirements, it is obvious that theWeb Services offered by the Service Providers (Banks) have to carry sufficientdescriptive information to support automated Web Service usage, and the comparatorhas to interact with DIP components to handle Semantic Web Services. The basicarchitecture is shown in Figure 2. The essential functionalities are:1) It has to provide a user interface for customer interaction: web interface, WebService Interface, mobile devices interface, etc2) It has to provide the apropiate Web Services for mortgage simulation.3) It has to discover suitable Web Services for a certain user request.4) It has to invoke external Semantic Web Services5) It has to provide a Web Service Execution Environment with control functions,error handling, and support of optional user interaction (wsmx).6) It has to deal properly with heterogeneous resources, thus providing the suitablemediation facilities (Banks ontologies are hererogeneous).7) It has to register the providers’ Semantic Descriptions.- 5 -

WSMO descriptions of application.Figure 3. System architecture.DiscoveryIn DIP, semantic discovery of web services means discovery of abstract servicesrepresented by formal service capabilities, which are part of the semantic description ofthe web service published in the DIP registry by the service providers (banks in thisparticular case).. The comparator creates a goal description to describe their servicerequirements. To create these descriptions a goal template predefined is used bycomparator to create a goal description more easly.InvocationThe DIP execution environment expects the WSDL description available with thesemantic web service description, and executes it.MediationMediation is required in the case when one component is not capable to interpret thecontent of a message sent by another component. The basic functionality of a datamediation module is to transform messages from source format to a target one, whichcould require both syntactic and semantic transformation.- 6 -

WSMO descriptions of application.Service RegistryIt provides an API that facilitates the publishing of DIP elements (ontologies, mediators,goals, DIP web services etc). In figure 2 service registry is depicted as servicediscovery.Semantic RepositoryThe semantic repository (SEMR) is an ontology server which allows the storage,retrieval, and querying of ontologies and other data (semantic web service descriptions,instance data, etc.) The banks are required to storage their ontologies in this component3. WSMO USE CASE MODELSThis section exemplifies the specification of this use case in the “Web Service ModelingOntology” (WSMO). These specifications comply with WSMO final version 1.1 andthey have been validated with the WSML Online Validation Service.The following tables provide an overview of the resources specified in this use case. Asno transactions nor changes in the real world occour within this use case, noassumptions and effects are needed in the service descriptions.In this case we considercurrently four financial entities, Bankinter (real) Bank1, Bank2, Bank3 (simulated).However other banks can be added at any moment.Bankinter ServicesWSMO componenttypenamedescriptionimported ontologiesused mediatorsmain constructsWSML modelOntologyTable 1: “Financial Ontology”Financial Ontologydefines ontology constructs for the bankinter domainOWL currency mediator.Product, Asset, InvestmentAccounts, Loan,CurrentMortgageLoan, FutureMortgageLoan, SavingAccount,Liability, Currency, Branch, vBanking, Service, Payment,InvoicePayment.Listing 1. Financial Ontology. Bankinter domain.Table 2: “Bankinter knowledge base”WSMO componenttypenamedescriptionOntologyBankinter knowledge base.Defines ontology constructs for the bankinter domain.- 7 -

WSMO descriptions of application.imported ontologiesused mediatorsmain constructsWSML modelOWL currency mediator.Product, Asset, InvestmentAccounts, Loan,CurrentMortgageLoan, FutureMortgageLoan, SavingAccount,Liability, Currency, Branch, vBanking, Service, Payment,InvoicePayment.Listing 2 Bankinter KnowledgeBaseTable 3. “Bank1 domain Ontology”WSMO componenttypeNameDescriptionimported ontologiesused mediatorsmain constructsWSML modelOntologyBankOntologyDefines ontology constructs for the bank 1 domain.Date and Time Ontology 1 .OWL currency mediator.Listing 3. Bank1 domain ontology.Table 4. “Bank1 knowledge base”WSMO componenttypeNameDescriptionimported ontologiesused mediatorsmain constructsWSML modelOntologyBank1 Knowledge Baseholds all pre-defined instance data needed within the use case- BankOntologyinstances for :Some kinds of ontologiesListing 4. Bank1 Knowledge Base.Table 5.“Concrete Goal for find mortgage simulator”WSMO componenttypenamedescriptionGoalMortgage SimulatorConcrete goal example to find out mortgage offers.1 Available at http://www.wsmo.org/ontologies/dateTime/- 8 -

WSMO descriptions of application.importedontologiesused mediatorsmain constructsWSML model- FinancialOntologyprecondition:Mortgage simulator with know loan capital, interest rate an monthlypayment, other restrisctions like max value for.postcontition:Number of payments for a mortgage that has an openingcommission of 0.7 and its necessary to contract life insurance forthis mortgage.Table 5.“Concrete Goal for find mortgage simulator”Table 6. “Concrete goal to find mortgage.”WSMO componenttypenamedescriptionimported ontologiesused mediatorsmain constructsGoalMortgage simulatorA concrete goal that would be send to discovery component tofind mortgage simulator services that matchs with restrictionsexpresed in a goal- FinancialOntologyprecondition: It’s necessary to know the end date of thepayment of the mortgage, the interest rate type and the totalamount of mortgage loan.postcondition: Monthly payment of mortgage that hasopeningWSML modelListing 6. Concrete goa example to find a mortgage simulatorknowing the numbers of payment, the interest rate type and the totalamount of the mortgage loan.WSMOtypenamedescriptioncomponentimported ontologiesused mediatorsTable 7. “Concrete goal to find mortgage”GoalMortgage SimulatorA concrete goal that would be send to discovery component tofind mortgage simulator services that matchs with restrictionsexpresed in a goal- FinancialOntology.- 9 -

WSMO descriptions of application.main constructsprecondition: A monthly payment, an interest rate type and thenumber of payments. Mortgage must be interest rate variablealong the time.postcondition: Total amount of the mortgage that has anopening commission of 0.25 and its subrogation commission is0.2WSML modelListing 7. Concrete goal exampe to find mortgage simulatorknowing the monthly payment, the interest rate type andthe number of payments.WSMO componenttypeNamedescriptionimported ontologiesused mediatorsmain constructsTable 8. "Bankinter Mortgage simulator Web Service"Web ServiceBankinter Mortgage simulator Web ServiceWeb service for simulate mortgage loansFinanicial Ontology.precondition: It is necessary to know monthly payment, interestrate type and number of payments.postcondition: Total amount of mortgage loan that has openingcommission 0.7 and its necessary contract life insurance for thismortgage.WSML modelListing 8. Bankinter mortgage simulator Web Service.WSMO componenttypeNamedescriptionimported ontologiesused mediatorsmain constructsTable 9. “Bankinter Mortgage simulator Web Service”Web ServiceBankinter Mortgage simulator Web ServiceWeb service to simulate mortgage loansFinanicial Ontology.precondition: It’s necessary to know the monthly payment, theinterest rate type and the total amount of the mortgage loan.postcondition: Number of payments of the mortgage that have anopening commission of 0.7 and it’s necessary contract lifeinsurance for this mortgage.- 10 -

WSMO descriptions of application.WSML modelListing 9. Bankinter mortgage simulator Web Service.WSMO componenttypeNamedescriptionimported ontologiesused mediatorsmain constructsTable 10. “Bankinter Mortgage simulator Web Service”Web ServiceBankinter Mortgage simulator Web ServiceWeb service for simulate mortgage loansFinanicial Ontology.Precondition: It’s necessary to know the number of payments, theinterest rate type and the total amount of mortgage loan.Postcondition: Monthly payment of mortgage that has an openingcommission of 0.7 and it’s necessary contract life insurance for thismortgage.WSML modelListing 10. Bankinter mortgage simulator Web Service.Bank1 ServicesTable 11. “Bank1 Mortgage simulator Web Service”WSMO componenttypeNameDescriptionimported ontologies /used mediatorsmain constructsWSML modelWeb ServiceBank1 Mortgage simulator Web ServiceWeb service for simulate mortgage loansBankOntologyprecondition: It’s necessary to know a monthly payment, theinterest rate type and the number of payments.postcondition: Total amount of mortgage loan that has abopening commission of 0.7 and a cancel commission 0.1.Listing 11. Bank1 mortgage simulator Web Service.Table 12. “Bank1 Mortgage simulator Web Service”WSMO componenttypeNameDescriptionWeb ServiceBank1 Mortgage simulator Web ServiceWeb service for simulate mortgage loans- 11 -

WSMO descriptions of application.imported ontologiesused mediatorsmain constructsWSML modelBankOntology.precondition: It’s necessary to know a monthly payment,interest rate type and Total amount of mortgage loan.postcondition: End date of payment for mortgage of mortgagethat has opening commission 0.7 and cancel commission 0.1Listing 12 Bank1 mortgage simulator Web Service.Table 13. “Bank1 Mortgage simulator Web Service”WSMO componenttypeNameDescriptionimported ontologiesused mediatorsmain constructsWSML modelWeb Service.Bank 1 Mortgage simulator Web ServiceWeb service for simulate mortgage loansBankOntology.precondition: It’s necessary to know the end date of thepayment of the mortgage, the interest rate type and the totalamount of the mortgage loan.postcondition: Monthly payment of the mortgage that has anopening commission of 0.7 and a cancel commission of 0.1.Listing 13 Bank1 mortgage simulator Web Service.Bank 2 ServicesTable 14 “Bank2 Mortgage simulator Web Service”WSMO componenttypeNameDescriptionimported ontologiesused mediatorsmain constructsWSML modelWeb ServiceMortgage SimulatorMortgage simulator Web Service.OWL 2 WSML mediator.precondition: Mortgage simulator with known monthlypayments, interest rate and number of payments.posstcontition: Mortgage capital of the mortgage that has anopening commission of 0.7, an interest delay commission of 0.1and its necessary to contract a life insurance for this mortgageListing 14. Bank2 mortgage simulator Web ServiceTable 15. “Bank2 Mortgage simulator Web Service”- 12 -

WSMO descriptions of application.WSMO componenttypeNameDescriptionimported ontologiesused mediatorsmain constructsWSML modelWeb ServiceMortgage simulator Web ServiceWeb service for simulate mortgage loans- OWL 2 WSML mediator.precondition: It’s necessary to know the monthly payment, theinterest rate type and the total amount of the mortgage loan.postcondition: Number of payments of the mortgage that hasan opening commission of 0.7, an interest delay commission of0.1 and it’s necessary contract a life insurance for thismortgage.Listing 15. Bank2 mortgage simulator Web Service.Table 16. “Bank2 Mortgage simulator Web Service”WSMO componenttypeNameDescriptionimported ontologiesused mediatorsmain constructsWSML modelWeb ServiceBankinter Mortgage simulator Web ServiceWeb service for simulate mortgage loans- OWL 2 WSML mediator.precondition: It’s necessary to know the number of payments,the interest rate type and the total amount of the mortgage loan.postcondition: Monthly payment. of the mortgage that has anopening commission of 0.7, an interest delay commission of 0.1and it’s necessary to contract a life insurance for this mortgage.Listing 16. Bank2 mortgage simulator Web Service.Bank 3 ServicesTable 17. “Bank3 Mortgage simulator Web Service”WSMO componenttypeNameDescriptionimported ontologiesused mediatorsmain constructsWeb Serviceortgage simulator Web ServiceWeb service for simulate mortgage loans- OWL 2 WSML mediator.precondition: A monthly payment, interest rate type and- 13 -

WSMO descriptions of application.WSML modelnumber of payments. Mortgage must be interest rate variablealong the time.postcondition: Total amount of mortgage which openingcommission is 0.25 and subrogation commission is 0.2.Listing 17. Bank3 mortgage simulator Web Service.Table 18. “Bank3 Mortgage simulator Web Service”WSMO componenttypeNameDescriptionimported ontologiesused mediatorsmain constructsWSML modelWeb ServiceMortgage simulator Web ServiceWeb service for simulate mortgage loans- OWL 2 WSML mediator.precondition: It’s necessary know the monthly payment, theinterest rate type and the total amount of the mortgage loan.Mortgage must be interest rate variable along the time.postcondition: Number of payments of the mortgage whichopening commission is 0.25 and subrogation commission is 02.Listing 18. Bank3 mortgage simulator Web Service.Table 19. “Bank3 Mortgage simulator Web Service”WSMO componenttypeNameDescriptionimported ontologiesused mediatorsmain constructsWSML modelWeb ServiceMortgage simulator Web ServiceWeb service for simulate mortgage loans- OWL 2 WSML mediator.precondition: A number of payments, interest rate type and totalamount of mortgage loan. Mortgage must be interest ratevariable along the time.postcondition: Monthly payment of a mortgage which openingcommission is 0.25 and subrogation commission is 0.2.Listing 19. Bank3 mortgage simulator Web Service.Table 20. “OWL currency mediator”WSMO componenttypenamedescriptionooMediatorOwlCurrencyMediatorimporting the Currency DAML ontology to WSML- 14 -

WSMO descriptions of application.imported ontologiesused mediatorsmain constructsWSML modelsource component: a Currency ontology (in daml)target component: FinancialOntology 2 (in WSML)mediation service: not specified yet.Listing 20. OWL currency mediator Bankinter.Table 21. “OWL currency mediator”.WSMO componenttypenamedescriptionimported ontologiesused mediatorsmain constructsWSML modelooMediatorOwlCurrencyMediatorMediator to import the Currency DAML ontology to WSMLsource component: a Currency ontology (in DAML)target component: BankOntology (in WSML)mediation service: not specified yet.Listing 21. OWL Currency Mediator Bank1.Table 22. “OWL mediator, imports ontology bank2 into wsml format”.WSMO componenttypeNameDescriptionimported ontologiesused mediatorsmain constructsWSML modelooMediatorOWL2WSMLOntologyBank2Mediator to import the OWL OntologyBank2 ontology toWSMLsource component: a OntologyBank2 ontology (in OWL)target component: Ontology Bank 2 (in WSML)mediation service: not specified .Listing 22. Bank2 OWL2WSML mediator.Table 23. “OWL mediator, imports ontology bank3 into wsml format”.WSMO componenttypenamedescriptionimported ontologiesooMediatorimporting the OWL OntologyBank3 ontology to WSMLDefines ontology constructs for the bankinter domain.- 15 -

WSMO descriptions of application.used mediatorsmain constructsWSML modelsource component: a OntologyBank3 ontology (in OWL)target component: OntologyBank3 (in WSML)mediation service: not specified .Listing 23. OWL2WSML mediatorTable 24. “OOmediator, Transforms ontology bank1 in Financial ontology”.WSMO componenttypenamedescriptionimported ontologiesused mediatorsmain constructsWSML modelooMediatorBank1toFinancialOntologyTransforms OntologyBank1 in wsml in Financial ontologyWSMLsource component: a OntologyBank3 ontology (in OWL)target component: OntologyBank3 (in WSML)mediation service: not specified .Table 24. “OOmediator, Transforms ontology bank1 inFinancial ontology”.Table 25. “OOmediator, Transforms ontology bank2 in Financial ontology”.WSMO componenttypenamedescriptionimported ontologiesused mediatorsmain constructsWSML modelooMediatorBank2toFinancialOntologyTransforms OntologyBank2 in wsml in Financial ontologyWSML.source component: a OntologyBank3 ontology (in OWL)target component: OntologyBank3 (in WSML)mediation service: not specified .Table 25. “OOmediator, Transforms ontology bank2 inFinancial ontology”.Table 26. “OOmediator, Transforms ontology bank3 in financial ontology”.WSMO componenttypenamedescriptionooMediatorBank3toFinancialOntologyTransforms OntologyBank3 in wsml in Financial ontology- 16 -

WSMO descriptions of application.imported ontologiesused mediatorsmain constructsWSML modelWSML.source component: a OntologyBank3 ontology (in OWL)target component: OntologyBank3 (in WSML)mediation service: not specified .Table 26. “OOmediator, Transforms ontology bank3 infinancial ontology”.3.1. OntologiesWith regard to modularized ontologies as a basic design principle of WSMO, we definedomain ontologies as the terminology definitions.In the banking domain standardisation efforts are very slow. Several examples exist ofunsuccessful attempts, for instance, Mobipay in Spain, a micro-paymentsstandardisation initiative, where different interests were involved and no effectivemarket action was finally made.If standaridisation effors in bank sector are very sloweach bank will use a diferent domain ontology[1] For this reason in the sope of UseCase each bank has diferent domain ontologies.Bankinter domain ontology has been translated into WSML [4] format. Ontology Bank1has been described using WSML format. Bank2 and Bank3 uses OWL format asformalism, these ontologies can be found in the Appendix A.3.1.1. Bankinter Domain OntologyThe financial ontology is used to describe the the financial domain in Bankinter. Theontology includes concepts like services and products; channels, users, currencies etc.All of them are described in D 10.3 [1] and translated into WSML format. Thisontology does not aim at covering the whole financial domain but focuses mainly onmodelling conceptually the mortgage domain for this Use Case. To model this ontologya set of 12 mortgage simulators have been used as a knowledge source. Thesesimulators are mainly offered by financial institutions, although other non-financialWeb sites are also available with the same kind of informationThe ontology has been designed to be modular enough to allow refinements in thecontext of the current domain and extensions to other domains in the financial area.Listing 1. Financial Ontology. Bankinter domain.namespace {_"http://users.isoco.net/~slosada/ontologies/bankinter/FinancialOntology.wsml#",dc _"http://purl.org/dc/elements/11#",foaf _"http://xmlns.com/foaf/01/",xsd _"http://www.w3c.org/2001/XMLSchema#",wsml _"http://www.wsmo.org/2004/wsml#",dt _"http://www.wsmo.org/ontologies/dateTime/#",oo _"http://www.wsmo.org/2004/d3/d3.2/v0.1/20040628/resources/owlCurrencyMediator.wsml#"}ontology _"http://users.isoco.net/~slosada/ontologies/bankinter/FinancialOntology.wsml#"nfp- 17 -

WSMO descriptions of application.dc#title hasValue "Financial Ontology"dc#subject hasValue "Financial,Banks, Loan, Saving Accounts,"dc#description hasValue "Financial ontoloogy for bankinter propouses"dc#subject hasValue { "Simulator", "Mortgage", "Financial", "Product"}dc#date hasValue _date("2005-03-07")dc#format hasValue "text/html"dc#language hasValue "en-US"dc#rights hasValue _"http://wwwisoco.com/privacyhtml"wsml#version hasValue "$Revision: 10 $"endnfpusesMediator { _"http://users.isoco.net/~slosada/ontologies/bankinter/owlCurrencyMediator.wsml" }concept Servicenfpdc#description hasValue "Service is the type of things that can be done but that do not requirecontract (example:a transference order). Service also is any product non financier who tributesa bank"endnfpconcept AddedValue subConceptOf Servicenfpdc#description hasValue "The sales revenue from selling a product less the cost of the materialspurchases used in those products. It is an indicator of relative efficiency within between firms,although in the latter case it is open to distortion where mark-up varies between standardpremium-priced segments of a market"endnfpconcept Quotanfpdc#description hasValue "The sales revenue from selling a product less the cost of the materialspurchases used in those products. It is an indicator of relative efficiency within between firms,although in the latter case it is open to distortion where mark-up varies between standardpremium-priced segments of a market"endnfpstartingDate ofType (1) dt#dateendingDate ofType (1) dt#dateconcept Customernfpdc#description hasValue "Bank client, who usually has a contractual relationship with the bank"endnfpUserTitularity ofType (0 *) Productname ofType (1) xsd#stringconcept Corporative subConceptOf Departmentnfpdc#description hasValue "Company with a specific set of characteristics that require apersonalised commercial treatment. Depending on each bank, the set of characteristics maychange, although they normally refer to number of employees annual turnover. It includescompany groups multinational companies, etc."endnfpconcept ProductRateApplicationFixed subConceptOf ProductRateApplicationnfpdc#description hasValue "Fixed interest rate. It never varies during the mortgage life"endnfpconcept SavingAccountnfpdc#description hasValue "Account without a chequebook normally with a low interest rate"endnfpAssetPayments ofType (0 *) Paymentconcept Collection subConceptOf Servicenfpdc#description hasValue "Deposit in a saving account"endnfpconcept InvestmentFund subConceptOf Assetnfpdc#description hasValue "Investment club where a set of customers put their money so that thebank performs an investment on behalf of them."endnfpconcept Individuals subConceptOf Departmentnfpdc#description hasValue "Department that deals with physical persons"endnfpconcept ProductRateApplicationMixednfpdc#description hasValue "Mixed interest rate, usually composed of fixed variable interest rates"endnfp- 18 -

WSMO descriptions of application.rateVariable ofType (1) ProductRateApplicationVariabletermRateFixed ofType (1) xsd#stringconcept InvoicePayment subConceptOf Paymentnfpdc#description hasValue "An itemized statement given to a buyer by a seller usually specifyingtheprice of goods services the terms of sale"endnfpconcept Loan subConceptOf Assetnfpdc#description hasValue "Money let out at interest"endnfpconcept SME subConceptOf Departmentnfpdc#description hasValue "Small Medium Enterprise"endnfpconcept Administrative subConceptOf EmployeeAreanfpdc#description hasValue "Employee with administrative functions"endnfpconcept Payment subConceptOf Servicenfpdc#description hasValue "Money given to pay for something"endnfpconcept EmployeeArea subConceptOf Usernfpdc#description hasValue ""endnfpconcept Usernfpdc#description hasValue ""endnfplogin ofType (1) xsd#stringpassword ofType (1) xsd#stringconcept ProductRateApplicationVariable subConceptOf ProductRateApplicationnfpdc#description hasValue "Variable interest rate. It may vary during the mortgage life"endnfpconcept MortgageLoan subConceptOf Loannfpdc#description hasValue "A long-term loan backed by real estate valuable property,usually the item purchased with the loan. The creditor can claim that property if allpayments are not made by the borrower when they are due"endnfploanCapital ofType (1) xsd#floatrevisionTermNext ofType (1) xsd#stringconcept Personnfpdc#description hasValue "Bank client that represents a single person (physical juridical)"endnfpCustomerNIF ofType stringconcept Commercial subConceptOf EmployeeAreanfpdc#description hasValue "Employee with commercial functions"endnfpconcept Liability subConceptOf Productnfpdc#description hasValue "The amount that is owed by an individual company, whether money,products, services, to others."endnfpconcept Branch subConceptOf Channelnfpdc#description hasValue "Communication means used in the relationship between the bank itscustomers, including branches, phone, Internet, virtual banking, etc."endnfpconcept vBanking subConceptOf Channelnfpdc#description hasValue "Virtual Banking. Banking without human intervention"endnfpconcept InvestmentAccount subConceptOf Assetnfpdc#description hasValue "Account setup to perform an investment, such as a fixed term deposit"endnfp- 19 -

WSMO descriptions of application.concept Staff subConceptOf EmployeeAreanfpdc#description hasValue "Central Services of a company, such as Human Resources,Management,Innovation, etc."endnfpconcept Company subConceptOf Customernfpdc#description hasValue "A number of people grouped together as a business enterprise. Typesof companies include public limited companies, partnerships, joint ventures proprietorships,branches of foreign companies"endnfpCIF ofType (1) xsd#stringconcept CurrentMortageLoan subConceptOf MortgageLoannfpdc#description hasValue "Current mortgage loan that the user is willing to change."endnfpcancelationCommission ofType (1) QuotasaleCostProperty ofType (1) xsd#stringinterestNextRevision ofType (1) xsd#floathandlingCapital ofType (1) xsd#floatconcept SOHOnfpdc#description hasValue "Small Office, Home Office. It usually refers to professionals who workintheir own offices"endnfpCIF ofType (1)stringconcept Asset subConceptOf Productnfpdc#description hasValue "The land property of a company individual, payments due from bills,investments, anything else owned that can be turned into cash"endnfpchannel ofType (1) Channelservice ofType (1) Serviceconcept Department subConceptOf Usernfpdc#description hasValue "Internal area of the bank that performs a specific function"endnfpconcept FutureMortgageLoan subConceptOf MortgageLoannfpdc#description hasValue "Future mortgage loan that the user will use instead of the current one"endnfpperiodicityCuota ofType (1) dt#dateinitialPeriod ofType (1) dt#dateterm ofType (1) TermsubrogationCommission ofType (1) xsd#floatrevisionTerm ofType (1) xsd#durationbuyCostProperty ofType (1) xsd#doubbleopeningCommission ofType (1) xsd#floatquotaAfterRevision ofType (1) xsd#floatinitalQuota ofType (1) xsd#floatdelayInterestRate ofType (1) xsd#floatinteresDelay ofType (1) xsd#floatlifeInsurance ofType (1) xsd#booleanhomeInsurance ofType (1) xsd#booleanmortgageTaxation ofType (1) xsd#floatconcept TermtotalTerm ofType (1) xsd#integer,typeTerm hasValue (1) xsd#stringconcept Productnfpdc#description hasValue "Bank product that requires the signature of a contractbetween the customer the bank"endnfpinterestRateType ofType (1) ProductRateApplicationexpirationDate ofType (1) dt#datesignalDateContract ofType (1) dt#dateAPR ofType (1) xsd#floatcurrencyProduct ofType (1) cu#currency- 20 -

WSMO descriptions of application.interestRateValue ofType (1) xsd#floatname ofType (1) xsd#stringconcept ProductRateApplicationnfpdc#description hasValue "Applied interest rate"endnfpinterestRateValue ofType (1) xsd#float3.1.2. Bankinter Knowledge Base.Bankinter Knowledge Base holds all instance data that are needed within the use casedescriptions. The knowledge base is defined as WSMO ontology that holds instances.Listing 2 Bankinter KnowledgeBasenamespace {_"http://users.isoco.net/~slosada/ontologies/bankinter/FinancialOntology.wsml#",dc _"http://purl.org/dc/elements/11#",foaf _"http://xmlns.com/foaf/01/",xsd _"http://www.w3c.org/2001/XMLSchema#",wsml _"http://www.wsmo.org/2004/wsml#",loc _"http://www.wsmo.org/ontologies/dateTime#",cu _"http://www.wsmo.org/2004/d3/d3.2/v0.1/20040628/resources/owlCurrencyMediator.wsml#",fin _"http://users.isoco.net/~slosada/ontologies/bankinter/FinancialOntology.wsml#"}ontology _"http://users.isoco.net/~slosada/ontologies/bankinter/KBBankinter.wsml"nfpdc#title hasValue "Bankinter knowledge base"dc#subject hasValue "Financial"dc#description hasValue "Describes the pre-defined instances for Bankinter Mortgage Simulator"dc#subject hasValue { "Simulator", "Mortgage", "Financial", "Product"}dc#publisher hasValue {iSOCO, BANKINTER}dc#date hasValue _date("2005-03-14")dc#format hasValue "text/html"dc#language hasValue "en-US"dc#rights hasValue _"http://www.isoco.com/privacy.html"wsml#version hasValue "$Revision: 1.0 $"endnfpusesMediator { _"http://www.wsmo.org/2004/d3/d3.2/v0.1/20040628/resources/owlCurrencyMediator.wsml" ,_"http://users.isoco.net/~slosada/ontologies/bankinter/FinancialOntology.wsml#"}instance mortgageRateVariable memberOf fin#MortgageLoanperiodicityQuota hasValue periodicityQuotaTimeinitialPeriod hasValue periodTimeterm hasValue termInstancesubrogationCommission hasValue 0.3revisionTerm hasValue P1YbuyCostProperty hasValue _#openingCommission hasValue 1.0initalQuota hasValue _#delayInterestRate hasValue 1.0lifeInsurance hasValue truehomeInsurance hasValue falsemortgageTaxation hasValue _#interestRateType hasValue rateVariableexpirationDate hasValue _#signalDateContract hasValue _#APR hasValue _#currencyProduct hasValue eurointerestRateValue hasValue 3.8name hasValue "HIPOTECA INTERES VARIABLE BANKINTER"instance rateVariable memberOf fin#ProductRateApplicationVariableinterestRateValue hasValue 0.7interesRefernce hasValue EURIBORinstance euro memberOf cu#curreny- 21 -

WSMO descriptions of application.name hasValue "Euro"code hasValue "EUR"instance termInstancetotalTerm hasValue 300typeTerm hasValue ‘MONTH’3.1.3. Bank1 Domain Ontology.This ontology models the domain of financial entity that has been simulated in thescope of the Use CaseListing 3. Bank1 domain ontology.namespace {_"http://users.isoco.net/~slosada/ontologies/bank1/Bank1Ontology.wsml#",dc _"http://purl.org/dc/elements/11#",foaf _"http://xmlns.com/foaf/01/",xsd _"http://www.w3c.org/2001/XMLSchema#",wsml _"http://www.wsmo.org/2004/wsml#",dt _"http://www.wsmo.org/ontologies/dateTime/#",cu _"http://www.wsmo.org/2004/d3/d3.2/v0.1/20040628/resources/owlCurrencyMediator.wsml#"}ontology _"http://users.isoco.net/~slosada/ontologies/bank1/Bank1Ontology.wsml#"nfpdc#title hasValue "Financial Ontology"dc#subject hasValue "Financial"dc#description hasValue ""dc#subject hasValue { "Simulator", "Mortgage", "Financial", "Product"}dc#date hasValue _date("2005-03-07")dc#format hasValue "text/html"dc#language hasValue "en-US"dc#rights hasValue _"http://www.isoco.com/privacy.html"wsml#version hasValue "$Revision: 1.0 $"endnfpusesMediator { _"http://www.wsmo.org/2004/d3/d3.2/v0.1/20040628/resources/owlCurrencyMediator.wsml" }concept Detailsnfpdc#description hasValue "Detalles de anotaciones en cuentas de ahorro, fondos de inversióntarjetasde crédito etc"endnfpcurrency ofType (1) cu#currencyamount ofType (1) xsd#floatconcept InvestmentAccountsValues subConceptOf Detailsnfpdc#description hasValue "Detalles de en cuentas de inversiónes "endnfpconcept PhoneConsumeDetails subConceptOf Detailsnfpdc#description hasValue "Detalles de consumo telefónico "endnfpdate ofType (1) dt#datedestiny ofType (1) xsd#stringdestinyPhone ofType (1) xsd#stringdestinyPhone ofType (1) xsd#stringduration ofType (1) xsd#integerphone ofType (1) xsd#stringconcept SavingAccountsDetails subConceptOf Detailsnfpdc#description hasValue "Detalles de movimientos cuentas corrientes, movimientos de debe,movimientos haber "endnfpcode ofType (1) xsd#stringdate ofType (1) xsd#date- 22 -

WSMO descriptions of application.concept InvoiceDetails subConceptOf Detailsnfpdc#description hasValue "Detalle de pago de facturas "endnfpcode ofType (1) xsd#stringdescription ofType (1) xsd#stringconcept Transactionsnfpdc#description hasValue "Especially a business agreement exchange"endnfpamount ofType (1) xsd#floatcurrency ofType (1) cu#currencydate ofType (1) dt#datecode ofType (1) xsd#stringdescription ofType (1) xsd#stringconcept AccountTransactions subConceptOf Transactionsnfpdc#description hasValue "Transacciones asociadas a una cuenta"endnfpconcept CreditCardTransactions subConceptOf Transactionsnfpdc#description hasValue "Transacciones asociadas a una tarjeta de credito"endnfpconcept Productnfpdc#description hasValue "The land property of a company individual, payments due from bills,investments, anything else owned that can be turned into cash "endnfpholder ofType (1) Userinterest_rate ofType (1) xsd#floatproduct_id ofType (1) xsd#stringcurrency ofType (1) cu#currencyconcept InvestmentAccounts subConceptOf Productnfpdc#description hasValue "Account setup to perform an investment, such as a fixed term deposit"endnfpdate ofType (1) dt#tatenumber ofType (1) xsd#stringdescription ofType (1) xsd#stringconcept InvestmentFounds subConceptOf Productnfpdc#description hasValue "Investment club where a set of customers put their money so that thebank performs an investment on behalf of them. "endnfpbuyValue ofType (1) xsd#floatdate ofType (1) dt#datename ofType (1) xsd#stringnumber ofType (1) xsd#stringunitPrice ofType (1) xsd#floatunits ofType (1) xsd#integeryield ofType (1) xsd#floatconcept Loan subConceptOf Productnfpdc#description hasValue "Money let out at interest "endnfpl_currency ofType (1) cu#currencyl_endDate ofType (1) dt#datel_startDate ofType (1) dt#datel_PayAmountTerm ofType (1) xsd#floatl_startBalance ofType (1) xsd#floatconcept MortgageLoannfpsubConceptOf Loandc#description hasValue "A long-term loan backed by real estate valuable property, usuallythe item purchased with the loan. The creditor can claim that property if all payments arenot made by the borrower when they are due "endnfpml_capital ofType (1) xsd#float- 23 -

WSMO descriptions of application.ml_interestRateType ofType (1) xsd#stringml_opennigComission ofType (1) xsd#floatml_subrogationComission ofType (1) xsd#floatml_totalCancelComission ofType (1) xsd#floatconcept SavingAccounts subConceptOf Productnfpdc#description hasValue "Account without a chequebook normally with a low interest rate"endnfpamount ofType (1) xsd#floatcurrency ofType (1) cu#currencytransacctions ofType (0 *) AccountTransactionsaccountNumber ofType (1) xsd#stringasociateInvoices ofType (0 *) InvoicesPaymentconcept Servicesnfpdc#description hasValue "Service is the type of things that can be done but hat do not requirecontract (example: a transference order). Service also is any product nonfinancier whodistributes a bank"endnfpholder ofType (1) Userservice_id ofType (1) xsd#stringconcept CreditCard subConceptOf Servicesnfpdc#description hasValue "A plastic card having a magnetic strip, issued by a bank businessauthorizing the holder to buy goods services on credit. Also called charge card."endnfpledgerBalance ofType (1) xsd#floatnextCloseDate ofType (1) dt#datenumber ofType (1) xsd#stringtransactions ofType (0 *) CreditCardTransactionsnextPayDate ofType (1) dt#dateconcept InvoicesPayment subConceptOf Servicesnfpdc#description hasValue "An itemized statement given to a buyer by a seller usuallyspecifying the price of goods services the terms of sale"endnfpassociatedAccount ofType (0 *) SavingAccountdetails ofType (0 *) InvoicesDetailsinvoiceAumount ofType (1) xsd#floatinvoiceCotractNumber ofType (1) xsd#stringcurrency ofType (1) cu#currencyinvoiceNumber ofType (1) xsd#stringinvoiceType ofType (1) xsd#stringconcept PhoneConsume subConceptOf Servicesnfpdc#description hasValue "Service that allows to consult the phone consume"endnfpcurrency ofType (1) cu#currencyamount ofType (1) xsd#stringdetails ofType (1) PhoneConsumeDetailsphone ofType (1) xsd#stringstartDate ofType (1) dt#dateendDate ofType (1) dt#dateconcept Usernfpdc#description hasValue "Entity that have been contracted some type of product service in thebank "endnfplogin ofType (1) xsd#stringNIF ofType (1) xsd#stringpassword ofType (1) xsd#stringproducts ofType (0 *) Productservices ofType (0 *) Services- 24 -

WSMO descriptions of application.3.1.4. Bank1 knowledge base.Bank1 Knowledge Base holds all the instance data needed within the use casedescriptions. The knowledge base is defined as a WSMO ontology that holds instances.Listing 4. Bank1 Knowledge Base.namespace {_"http://users.isoco.net/~slosada/ontologies/bank1/KBBbank1.wsml#",dc _"http://purl.org/dc/elements/11#",foaf _"http://xmlns.com/foaf/01/",xsd _"http://www.w3c.org/2001/XMLSchema#",wsml _"http://www.wsmo.org/2004/wsml#",cu _"http://www.wsmo.org/2004/d3/d3.2/v0.1/20040628/resources/owlCurrencyMediator.wsml#",fin _"http://users.isoco.net/~slosada/ontologies/Bank1/Bank1Ontology.wsml#"}ontology _"http://users.isoco.net/~slosada/ontologies/bank1/KBBank1.wsml"nfpdc#title hasValue "Bankinter knowledge base"dc#subject hasValue "Financial"dc#description hasValue "Describes the pre-defined instances for Bankinter Mortgage Simulator"dc#subject hasValue { "Simulator", "Mortgage", "Financial", "Product"}dc#publisher hasValue {iSOCO}dc#date hasValue _date("2005-03-18")dc#format hasValue "text/html"dc#language hasValue "en-US"dc#rights hasValue _"http://www.isoco.com/privacy.html"wsml#version hasValue "$Revision: 1.0 $"endnfpimportsOntology { _"http://users.isoco.net/~slosada/ontologies/bank1/Bank1Ontology.wsml"}instance mortgabeB1 memberOf fin#MortgageLoaninterest_rate hasValue 0.4product_id hasValue hipotecaVariablecurrency hasValue euroml_capital hasValue 190000ml_interestRateType hasValue 0.48ml_opennigComission hasValue 0.1ml_subrogationComission hasValue 0.2ml_totalCancelComission hasValue 0l_endDate hasValue _#l_startDate hasValue _#l_PayAmountTerm hasValue 900instance euro memberOf cu#currenyname hasValue "Euro"code hasValue "EUR"3.2. Goals.Goals denote what a user wants as the result of the Web Service. By modeling the goal,WSMO describes the information elements the user wants to get from the service(preconditions, posconditions) and the state of the world (assumptions, effects). In caseof the mortgage simulators there are no changes in the real world, for this reason goalsdo not have assumptions and effects.Listing 5 Goal to find mortgage simulator with know loan capital, interest rate an monthlypayment.precondition: Mortgage simulator with know loan capital, interest rate an monthlypayment, other restrisctions like max value for.- 25 -

WSMO descriptions of application.postcontition: Number of payments for a mortgage that has an opening commission of0.7 and its necessary to contract life insurance for this mortgage.namespace {_"http://users.isoco.net/~slosada/ontologies/bankinter/GoalGetNumberOfPayments.wsml#",dc _"http://purl.org/dc/elements/11#",foaf _"http://xmlns.com/foaf/01/",xsd _"http://www.w3c.org/2001/XMLSchema#",wsml _"http://www.wsmo.org/2004/wsml#",fin _"http://users.isoco.net/~slosada/ontologies/bankinter/FinancialOntology.wsml#"}goal _"http://users.isoco.net/~slosada/ontologies/bankinter/GoalGetNumberOfPayments.wsml"nfpdc#title hasValue "Goal to find mortgage simulator with value restrictions"dc#type hasValue _"http://www.wsmo.org/2004/d2#goals"dc#description hasValue ""dc#subject hasValue { "Simulator", "Mortgage", "Financial", "Product"}dc#date hasValue _date("2005-03-07")dc#format hasValue "text/html"dc#language hasValue "en-US"dc#rights hasValue _"http://www.isoco.com/privacy.html"wsml#version hasValue "$Revision: 10 $"endnfpimportsOntology { _"http://users.isoco.net/~slosada/ontologies/bankinter/FinancialOntology.wsml#"}capabilitysharedVariables ?mortgageLoanpreconditionnfpdc#description hasValue "The input has number of payments, type of interest andmortgage amount to simulate morgage result is a monthly payment."endnfpdefinedBy?mortgageLoan memberOf fin#MortgageLoan[ loanCapital hasValue ?capital,intitalQuota hasValue ?quota,interestRateType hasValue ?interest]and ?capital < 200000and ?quota < 900and ?interest memberOf productRateApplicationVariable[interestRateValue hasValue 0.5,referenceType hasValue _# ].postconditionnfpdc#description hasValue "Result of webService is a list of mortgage. The person who wantscontract this mortgage must have life insurance. "endnfpdefinedBy?mortgageLoan memberOf fin#MortgageLoanand ?mortgageLoan [term hasValue _#,openingCommission hasValue ?opCommission,lifeInsurance hasValue true,homeInsurance hasValue false ]and ?opCommission < 0.7.Listing 6. Concrete goa example to find a mortgage simulator knowing the numbers ofpayment, the interest rate type and the total amount of the mortgage loan.precondition: It’s necessary to know the end date of the payment of the mortgage, theinterest rate type and the total amount of mortgage loan.- 26 -

WSMO descriptions of application.postcondition: Monthly payment of mortgage that has openingnamespace {_"http://users.isoco.net/~slosada/ontologies/bankinter/GoalMontlyPayments.wsml#",dc _"http://purl.org/dc/elements/11#",foaf _"http://xmlns.com/foaf/01/",xsd _"http://www.w3c.org/2001/XMLSchema#",wsml _"http://www.wsmo.org/2004/wsml#",fin _"http://users.isoco.net/~slosada/ontologies/bankinter/FinancialOntology.wsml#"}goal _"http://users.isoco.net/~slosada/ontologies/bankinter/ GoalMontlyPayments.wsml"nfpdc#title hasValue "Goal to find mortgage simulator with value restrictions"dc#type hasValue _"http://www.wsmo.org/2004/d2#goals"dc#description hasValue ""dc#subject hasValue { "Simulator", "Mortgage", "Financial", "Product"}dc#date hasValue _date("2005-03-07")dc#format hasValue "text/html"dc#language hasValue "en-US"dc#rights hasValue _"http://www.isoco.com/privacy.html"wsml#version hasValue "$Revision: 10 $"endnfpimportsOntology { _"http://users.isoco.net/~slosada/ontologies/bankinter/FinancialOntology.wsml#"}capabilitysharedVariables ?mortgageLoanpreconditionnfpdc#description hasValue "The input has number of payments, type of interest andmortgage amount to simulate morgage result is a monthly payment."endnfpdefinedBy?mortgageLoan memberOf fin#MortgageLoan[ loanCapital hasValue ?capital,term hasValue ?term,interestRateType hasValue ?interest]and ?capital < 200000and ?term[ totalTerm hasValue ?totalTerm,typeTerm hasValue MONTH ]and ?totalTerm < 300and ?interest memberOf productRateApplicationVariable[interestRateValue hasValue 0.5,referenceType hasValue _# ].postconditionnfpdc#description hasValue "Result of webService is a list of mortgage. The person who wantscontract this mortgage must have life insurance. "endnfpdefinedBy?mortgageLoan memberOf fin#MortgageLoanand ?mortgageLoan [intitalQuota hasValue _#,openingCommission hasValue ?opCommission,lifeInsurance hasValue true,homeInsurance hasValue false ]and ?opCommission < 0.7.Listing 7. Concrete goal exampe to find mortgage simulator knowing the monthly payment, theinterest rate type and the number of payments.- 27 -

WSMO descriptions of application.precondition: A monthly payment, an interest rate type and the number of payments.Mortgage must be interest rate variable along the time.postcondition: Total amount of the mortgage that has an opening commission of 0.25and its subrogation commission is 0.2namespace {_"http://users.isoco.net/~slosada/ontologies/bank3/GoalGetMortgageCapital.wsml#",dc _"http://purl.org/dc/elements/11#",foaf _"http://xmlns.com/foaf/01/",xsd _"http://www.w3c.org/2001/XMLSchema#",wsml _"http://www.wsmo.org/2004/wsml#",oo _"http://users.isoco.net/~slosada/ontologies/bank3/OWL2WSMLOntologyBank3.wsml#"}goal _"http://users.isoco.net/~slosada/ontologies/bank3/GoalGetMortgageCapital.wsml"nfpdc#title hasValue "Goal to find mortgage simulator with value restrictions"dc#type hasValue _"http://www.wsmo.org/2004/d2#goals"dc#description hasValue ""dc#subject hasValue { "Simulator", "Mortgage", "Financial", "Product"}dc#date hasValue _date("2005-03-30")dc#format hasValue "text/html"dc#language hasValue "en-US"dc#rights hasValue _"http://www.isoco.com/privacy.html"wsml#version hasValue "$Revision: 1.0 $"endnfpimportsOntology { _"http://users.isoco.net/~slosada/ontologies/bankinter/FinancialOntology.wsml#"}capabilitysharedVariables ?mortgageLoanpreconditionnfpdc#description hasValue "The input has number of payments, type of interest andmonthly payment to simulate morgage result is a mortgage amount."endnfpdefinedBy?mortgageLoan memberOf oo#MortgageLoanand ?mortgageLoan [ term hasValue ?term ,intitalQuota hasValue ?quota,interestRateType hasValue ?interest ]and ?term memberOf Termand ?term[ totalTerm hasValue ?totalTerm,typeTerm hasValue MONTH ]and ?totalTerm < 298and ?interest memberOf productRateApplicationVariable [interestRateValue hasValue?interestValue]and ?interestValue < 0.5and ?quota < 900 .postconditionnfpdc#description hasValue "The output is a list of mortgage amount."endnfpdefinedBy?mortgageLoan memberOf MortgageLoanand ?mortgageLoan [ capital hasValue _#,openingCommission hasValue 0.25,subrogationCommission hasValue 0.2 ].- 28 -

WSMO descriptions of application.3.3. Web ServicesWe define the Web Services in this use case as end-user services (which means that theuser interacts with this services) to simulate morgages. This Web Services can becomposed of other Web Services. The modeling for the WSMO Web Service Interfacewill be added in a later version. A Web Service Capability in WSMO is described bypre- and post-conditions, assumptions and effects, as defined in [5]. In this particularcase when a mortgage is simulated, changes in the real world do not take place; for thisreason the web services described above do not contain assumptions and effects3.3.1. Bankinter Services.Listing 8. Bankinter mortgage simulator Web Service.precondition: It is necessary to know monthly payment, interest rate type and numberof payments.postcondition: Total amount of mortgage loan that has opening commission 0.7 and itsnecessary contract life insurance for this mortgage.namespace {_"http://users.isoco.net/~slosada/ontologies/bankinter/WSGetMortgageCapital.wsml#",dc _"http://purl.org/dc/elements/11#",foaf _"http://xmlns.com/foaf/01/",xsd _"http://www.w3c.org/2001/XMLSchema#",wsml _"http://www.wsmo.org/2004/wsml#",fin _"http://users.isoco.net/~slosada/ontologies/bankinter/FinancialOntology.wsml#"}webService _"http://users.isoco.net/~slosada/ontologies/bankinter/WSGetMortgageCapital.wsml"nfpdc#title hasValue "Web Service that is a mortgage simulator"dc#type hasValue {_"http://www.wsmo.org/2004/d2#webservice" }dc#description hasValue ""dc#subject hasValue { "Simulator", "Mortgage", "Financial", "Product"}dc#date hasValue _date("2005-03-30")dc#format hasValue "text/html"dc#language hasValue "en-US"dc#rights hasValue {_"http://www.isoco.com/privacy.html" }wsml#version hasValue "$Revision: 1.0 $"endnfpimportsOntology { _"http://users.isoco.net/~slosada/ontologies/bankinter/FinancialOntology.wsml#"}capabilitysharedVariables ?mortgageLoanpreconditionnfpdc#description hasValue "The input has number of payments, type of interest andmortgage amount to simulate morgage result is a monthly payment."endnfpdefinedBy?mortgageLoan memberOf fin#MortgageLoan[ term hasValue ?term,intitalQuota hasValue ?quota,interestRateType hasValue ?interest]and ?term[ totalTerm hasValue ?totalTerm,typeTerm hasValue MONTH ]and ?totalTerm < 300and ?quota > 600and ?interest memberOf productRateApplicationVariable- 29 -

WSMO descriptions of application.[interestRateValue hasValue 0.5,referenceType hasValue _# ].postconditionnfpdc#description hasValue "Result of webService is a list of mortgage. The person who wantscontract this mortgage must have life insurance. "endnfpdefinedBy?mortgageLoan memberOf fin#MortgageLoanand ?mortgageLoan [loanCapital hasValue _#,openingCommission hasValue ?opCommission,lifeInsurance hasValue true,homeInsurance hasValue false ]and ?opCommission < 0.7.Listing 9. Bankinter mortgage simulator Web Service.precondition: It’s necessary to know the monthly payment, the interest rate type andthe total amount of the mortgage loan.postcondition: Number of payments of the mortgage that have an opening commissionof 0.7 and it’s necessary contract life insurance for this mortgagenamespace {_"http://users.isoco.net/~slosada/ontologies/bankinter/WSGetNumberOfPayment.wsml#",dc _"http://purl.org/dc/elements/11#",foaf _"http://xmlns.com/foaf/01/",xsd _"http://www.w3c.org/2001/XMLSchema#",wsml _"http://www.wsmo.org/2004/wsml#",fin _"http://users.isoco.net/~slosada/ontologies/bankinter/FinancialOntology.wsml#"}webService _"http://users.isoco.net/~slosada/ontologies/bankinter/WSGetNumberOfPayment..wsml"nfpdc#title hasValue "Web Service that is a mortgage simulator"dc#type hasValue {_"http://www.wsmo.org/2004/d2#webservice" }dc#description hasValue ""dc#subject hasValue { "Simulator", "Mortgage", "Financial", "Product"}dc#date hasValue _date("2005-03-30")dc#format hasValue "text/html"dc#language hasValue "en-US"dc#rights hasValue {_"http://www.isoco.com/privacy.html" }wsml#version hasValue "$Revision: 1.0 $"endnfpimportsOntology { _"http://users.isoco.net/~slosada/ontologies/bankinter/FinancialOntology.wsml#"}capabilitysharedVariables ?mortgageLoanpreconditionnfpdc#description hasValue "The input has, monthly payment type of interest andmortgage amount to simulate morgage result is a number of payments."endnfpdefinedBy?mortgageLoan memberOf fin#MortgageLoan[ loanCapital hasValue ?capital,intitalQuota hasValue ?quota,interestRateType hasValue ?interest]and ?capital < 200000and ?quota < 900and ?interest memberOf productRateApplicationVariable[- 30 -

WSMO descriptions of application.interestRateValue hasValue ?value,referenceType hasValue _# ]and ?value > 0.3.postconditionnfpdc#description hasValue "Result of webService is a list of mortgage. The person who wantscontract this mortgage must have life insurance. "endnfpdefinedBy?mortgageLoan memberOf fin#MortgageLoanand ?mortgageLoan [term hasValue _#,openingCommission hasValue ?opCommission,lifeInsurance hasValue true,homeInsurance hasValue false ]and ?opCommission < 0.7.Listing 10. Bankinter mortgage simulator Web Service.precondition: It’s necessary to know the number of payments, the interest rate type andthe total amount of mortgage loan.postcondition: Monthly payment of mortgage that has an opening commission of 0.7and it’s necessary contract life insurance for this mortgagenamespace {_"http://users.isoco.net/~slosada/ontologies/bankinter/WSGetMonthlyPayment.wsml#",dc _"http://purl.org/dc/elements/11#",foaf _"http://xmlns.com/foaf/01/",xsd _"http://www.w3c.org/2001/XMLSchema#",wsml _"http://www.wsmo.org/2004/wsml#",fin _"http://users.isoco.net/~slosada/ontologies/bankinter/FinancialOntology.wsml#"}webService _"http://users.isoco.net/~slosada/ontologies/bankinter/WSGetMonthlyPayment.wsml"nfpdc#title hasValue "Web Service that is a mortgage simulator"dc#type hasValue {_"http://www.wsmo.org/2004/d2#webservice" }dc#description hasValue ""dc#subject hasValue { "Simulator", "Mortgage", "Financial", "Product"}dc#date hasValue _date("2005-03-30")dc#format hasValue "text/html"dc#language hasValue "en-US"dc#rights hasValue {_"http://www.isoco.com/privacy.html" }wsml#version hasValue "$Revision: 1.0 $"endnfpimportsOntology { _"http://users.isoco.net/~slosada/ontologies/bankinter/FinancialOntology.wsml#"}capabilitysharedVariables ?mortgageLoanpreconditionnfpdc#description hasValue "The input has number of payments, type of interest andmortgage amount to simulate morgage result is a monthly payment."endnfpdefinedBy?mortgageLoan memberOf fin#MortgageLoan[ term hasValue ?term,loanCapital hasValue ?capital,interestRateType hasValue ?interest]and ?capital < 200000and ?term[ totalTerm hasValue ?totalTerm,- 31 -

WSMO descriptions of application.typeTerm hasValue MONTH ]and ?totalTerm < 298and ?interest memberOf productRateApplicationVariable[interestRateValue hasValue ?value,referenceType hasValue _# ]and ?value > 0.46.postconditionnfpdc#description hasValue "Result of webService is a list of mortgage. The person who wantscontract this mortgage must have life insurance. "endnfpdefinedBy?mortgageLoan memberOf fin#MortgageLoanand ?mortgageLoan [quota hasValue _#,openingCommission hasValue ?opCommission,lifeInsurance hasValue true,homeInsurance hasValue false ]and ?opCommission < 0.7.3.3.2. Bank1 servicesListing 11. Bank1 mortgage simulator Web Service.precondition: It’s necessary to know a monthly payment, the interest rate type and thenumber of payments.postcondition: Total amount of mortgage loan that has ab opening commission of 0.7and a cancel commission 0.1.namespace {_"http://users.isoco.net/~slosada/ontologies/bank1/WSGetMortgageCapitalBank1.wsml#",dc _"http://purl.org/dc/elements/11#",foaf _"http://xmlns.com/foaf/01/",xsd _"http://www.w3c.org/2001/XMLSchema#",wsml _"http://www.wsmo.org/2004/wsml#",bank _"http://users.isoco.net/~slosada/ontologies/bank1/Bank1Ontology.wsml"}webService _"http://users.isoco.net/~slosada/ontologies/bank1/WSGetMortgageCapitalBank1.wsml"nfpdc#title hasValue "Goal to find mortgage simulator with value restrictions"dc#type hasValue _"http://www.wsmo.org/2004/d2#goals"dc#description hasValue "Web Service for simulate mortgage"dc#subject hasValue { "Simulator", "Mortgage", "Financial", "Product"}dc#date hasValue _date("2005-03-07")dc#format hasValue "text/html"dc#language hasValue "en-US"dc#rights hasValue _"http://www.isoco.com/privacy.html"wsml#version hasValue "$Revision: 10 $"endnfpimportsOntology{ _"http://users.isoco.net/~slosada/ontologies/bank1/Bank1Ontology.wsml"}capabilitysharedVariables ?mortgageLoanpreconditionnfpdc#description hasValue "The input has number of payments, type of interest andmortgage amount to simulate morgage result is a monthly payment."endnfpdefinedBy?mortgageLoan memberOf fin#MortgageLoan[ term hasValue ?term,intitalQuota hasValue ?quota,interestRateType hasValue ?interest]- 32 -

WSMO descriptions of application.and ?term[ totalTerm hasValue ?totalTerm,typeTerm hasValue MONTH ]and ?totalTerm < 300and ?quota > 600and ?interest memberOf productRateApplicationVariable[interestRateValue hasValue ?value,referenceType hasValue _# ]and ?value > 0.25.postconditionnfpdc#description hasValue "Result of webService is a list of mortgage. The person who wantscontract this mortgage must have life insurance. "endnfpdefinedBy?mortgageLoan memberOf fin#MortgageLoanand ?mortgageLoan [loanCapital hasValue _#,openingCommission hasValue ?opCommission,lifeInsurance hasValue true,homeInsurance hasValue false ]and ?opCommission < 0.7.Listing 12 Bank1 mortgage simulator Web Service.precondition: It’s necessary to know a monthly payment, interest rate type and Totalamount of mortgage loan.postcondition: Number of payments of mortgage that has opening commission 0.7and must contract life insurance.namespace {_"http://users.isoco.net/~slosada/ontologies/bank1/WSGetEndOfPaymentsBank1.wsml#",dc _"http://purl.org/dc/elements/11#",foaf _"http://xmlns.com/foaf/01/",xsd _"http://www.w3c.org/2001/XMLSchema#",wsml _"http://www.wsmo.org/2004/wsml#",bank _"http://users.isoco.net/~slosada/ontologies/bank1/FinancialBank1.wsml"}webService _"http://users.isoco.net/~slosada/ontologies/bank1/WSGetEndOfPaymentsBank1.wsml"nfpdc#title hasValue "Web Service that is a mortgage simulator"dc#type hasValue _"http://www.wsmo.org/2004/d2#webservice"dc#description hasValue ""dc#subject hasValue { "Simulator", "Mortgage", "Financial", "Product"}dc#date hasValue _date("2005-03-14")dc#format hasValue "text/html"dc#language hasValue "en-US"dc#rights hasValue _"http://www.isoco.com/privacy.html"wsml#version hasValue "$Revision: 1.0 $"endnfpimportsOntology{ _"http://users.isoco.net/~slosada/ontologies/bank1/Bank1Ontology.wsml"}capabilitysharedVariables ?mortgageLoanpreconditionnfpdc#description hasValue "The input has, monthly payment type of interest andmortgage amount to simulate morgage result is a number of payments."endnfpdefinedBy?mortgageLoan memberOf fin#MortgageLoan[ loanCapital hasValue ?capital,intitalQuota hasValue ?quota,interestRateType hasValue ?interest]- 33 -

WSMO descriptions of application.and ?capital < 200000and ?quota < 900and ?interest memberOf productRateApplicationVariable[interestRateValue hasValue ?value,referenceType hasValue _# ]and ?value > 0.3.postconditionnfpdc#description hasValue "Result of webService is a list of mortgage. The person who wantscontract this mortgage must have life insurance. "endnfpdefinedBy?mortgageLoan memberOf fin#MortgageLoanand ?mortgageLoan [term hasValue _#,openingCommission hasValue ?opCommission,lifeInsurance hasValue true,homeInsurance hasValue false ]and ?opCommission < 0.7.Listing 13 Bank1 mortgage simulator Web Service.precondition: It’s necessary to know the end date of the payment of the mortgage, theinterest rate type and the total amount of the mortgage loan.postcondition: Monthly payment of the mortgage that has an opening commission of0.7 and must contract life insurancenamespace {_"http://users.isoco.net/~slosada/ontologies/bank1/WSGetMonthlyPaymentBank1.wsml#",dc _"http://purl.org/dc/elements/11#",foaf _"http://xmlns.com/foaf/01/",xsd _"http://www.w3c.org/2001/XMLSchema#",wsml _"http://www.wsmo.org/2004/wsml#",bank _"http://users.isoco.net/~slosada/ontologies/bank1/Bank1Ontology.wsml"}webService _"http://users.isoco.net/~slosada/ontologies/bank1/WSGetMonthlyPaymentBank1.wsml"nfpdc#title hasValue "Web Service that is a mortgage simulator"dc#type hasValue _"http://www.wsmo.org/2004/d2#goals"dc#description hasValue ""dc#subject hasValue { "Simulator", "Mortgage", "Financial", "Product"}dc#date hasValue _date("2005-03-07")dc#format hasValue "text/html"dc#language hasValue "en-US"dc#rights hasValue _"http://www.isoco.com/privacy.html"wsml#version hasValue "$Revision: 1.0 $"endnfpimportsOntology { _"http://users.isoco.net/~slosada/ontologies/bank1/Bank1Ontology.wsml"}capabilitysharedVariables ?mortgageLoanpreconditionnfpdc#description hasValue "The input has number of payments, type of interest andmortgage amount to simulate morgage result is a monthly payment."endnfpdefinedBy?mortgageLoan memberOf fin#MortgageLoan[ term hasValue ?term,loanCapital hasValue ?capital,interestRateType hasValue ?interest]and ?capital < 200000and ?term[ totalTerm hasValue ?totalTerm,typeTerm hasValue MONTH ]and ?totalTerm < 298and ?interest memberOf productRateApplicationVariable[interestRateValue hasValue ?value,- 34 -

WSMO descriptions of application.referenceType hasValue _# ]and ?value > 0.46.postconditionnfpdc#description hasValue "Result of webService is a list of mortgage. The person who wantscontract this mortgage must have life insurance. "endnfpdefinedBy?mortgageLoan memberOf fin#MortgageLoanand ?mortgageLoan [quota hasValue _#,openingCommission hasValue ?opCommission,lifeInsurance hasValue true,homeInsurance hasValue false ]and ?opCommission < 0.7.3.3.3. Bank2 servicesListing 14. Bank2 mortgage simulator Web Service.precondition: Mortgage simulator with known monthly payments, interest rate andnumber of payments.postcondition: Mortgage capital of the mortgage that has an opening commission of0.7, an interest delay commission of 0.1 and its necessary to contract a life insurance forthis mortgagenamespace {_"http://users.isoco.net/~slosada/ontologies/bank2/WSGetMortgageCapitalBank2.wsml#",dc _"http://purl.org/dc/elements/11#",foaf _"http://xmlns.com/foaf/01/",xsd _"http://www.w3c.org/2001/XMLSchema#",wsml _"http://www.wsmo.org/2004/wsml#",oo _"http://users.isoco.net/~slosada/ontologies/Bank2/OWL2WSMLOntologyBank2.wsml#"}webService _"http://users.isoco.net/~slosada/ontologies/bank2/WSGetMortgageCapitalBank2.wsml"nfpdc#title hasValue "Web Service that is a mortgage simulator"dc#type hasValue {_"http://www.wsmo.org/2004/d2#webservice"}dc#description hasValue ""dc#subject hasValue { "Simulator", "Mortgage", "Financial", "Product"}dc#date hasValue _date("2005-03-30")dc#format hasValue "text/html"dc#language hasValue "en-US"dc#rights hasValue {_"http://www.isoco.com/privacy.html"}wsml#version hasValue "$Revision: 10 $"endnfpusesMediator { _"http://users.isoco.net/~slosada/ontologies/Bank3/OWL2WSMLOntologyBank2.wsml"}capabilitysharedVariables ?mortgageLoanpreconditionnfpdc#description hasValue "The input has number of payments, type of interest andmonthly payment to simulate morgage result is a mortgage amount."endnfpdefinedBy?mortgageLoan memberOf oo#MortgageLoanand ?mortgageLoan [ term hasValue ?term ,intitalQuota hasValue ?quota ,interestRateType hasValue ?interest]and ?term[ totalTerm hasValue ?totalTerm,- 35 -

WSMO descriptions of application.typeTerm hasValue MONTH ]and ?totalTerm < 298and ?interest memberOf productRateApplicationVariable[interestRateValue hasValue 0.5,referenceType hasValue _# ]and ?quota > 900.postconditionnfpdc#description hasValue "The output is a list of mortgage amount."endnfpdefinedBy?mortgageLoan memberOf oo#MortgageLoanand ?mortgageLoan [ loanCapital hasValue _#,openingCommission hasValue ?comision ,interestDelay hasValue 0.1,lifeInsurance hasValue true]and ?comission >0.1.Listing 15. Bank2 mortgage simulator Web Service.precondition: It’s necessary to know the monthly payment, the interest rate type andthe total amount of the mortgage loan.postcondition: Number of payments of the mortgage that has an opening commissionof 0.1, an interest delay commission of 0.1 and it’s necessary contract a life insurancefor this mortgage.namespace {_"http://users.isoco.net/~slosada/ontologies/WSGetNumberOfPaymentsBank2.wsml#",dc _"http://purl.org/dc/elements/11#",foaf _"http://xmlns.com/foaf/01/",xsd _"http://www.w3c.org/2001/XMLSchema#",wsml _"http://www.wsmo.org/2004/wsml#",oo _"http://users.isoco.net/~slosada/ontologies/Bank3/OWL2WSMLOntologyBank2.wsml#"}webService _"http://users.isoco.net/~slosada/ontologies/WSGetNumberOfPaymentsBank2.wsml"nfpdc#title hasValue "Web Service that is a mortgage simulator"dc#type hasValue {_"http://www.wsmo.org/2004/d2#webservice"}dc#description hasValue ""dc#subject hasValue { "Simulator", "Mortgage", "Financial", "Product"}dc#date hasValue _date("2005-03-30")dc#format hasValue "text/html"dc#language hasValue "en-US"dc#rights hasValue {_"http://www.isoco.com/privacy.html"}wsml#version hasValue "$Revision: 10 $"endnfpusesMediator { _"http://users.isoco.net/~slosada/ontologies/Bank3/OWL2WSMLOntologyBank2.wsml" }capabilitysharedVariables ?mortgageLoanpreconditionnfpdc#description hasValue "The input has, monthly payment type of interest andmortgage amount to simulate morgage result is a number of payments."endnfpdefinedBy?mortgageLoan memberOf oo#MortgageLoanand ?mortgageLoan [ loanCapital hasValue ?capital ,intitalQuota hasValue ?quota ,interestRateType hasValue ?interest]and ?capital < 22000and ?interest memberOf productRateApplicationVariable[interestRateValue hasValue 0.5,referenceType hasValue _# ]and ?quota > 900.- 36 -

WSMO descriptions of application.postconditionnfpdc#description hasValue "The output is a list of mortgage amount."endnfpdefinedBy?mortgageLoan memberOf oo#MortgageLoanand ?mortgageLoan [ term hasValue _#,openingCommission hasValue ?commission ,interestDelay hasValue 0.1,lifeInsurance hasValue true]and ?comission >0.1.Listing 16. Bank2 mortgage simulator Web Service.precondition: It’s necessary to know the number of payments, the interest rate type andthe total amount of the mortgage loan.postcondition: Monthly payment. of the mortgage that has an opening commission of0.7, an interest delay commission of 0.1 and it’s necessary to contract a life insurancefor this mortgage.namespace {_"http://users.isoco.net/~slosada/ontologies/bank2/WSGetMonthlyPaymentBank2.wsml#",dc _"http://purl.org/dc/elements/11#",foaf _"http://xmlns.com/foaf/01/",xsd _"http://www.w3c.org/2001/XMLSchema#",wsml _"http://www.wsmo.org/2004/wsml#",oo _"http://users.isoco.net/~slosada/ontologies/bank2/OWL2WSMLmediatorOntologyBank2.wsml#"}webService _"http://users.isoco.net/~slosada/ontologies/bank2/WSGetMonthlyPaymentBank2.wsml"nfpdc#title hasValue "Web Service that is a mortgage simulator"dc#type hasValue {_"http://www.wsmo.org/2004/d2#webservice"}dc#description hasValue ""dc#subject hasValue { "Simulator", "Mortgage", "Financial", "Product"}dc#date hasValue _date("2005-03-30")dc#format hasValue "text/html"dc#language hasValue "en-US"dc#rights hasValue {_"http://www.isoco.com/privacy.html"}wsml#version hasValue "$Revision: 10 $"endnfpusesMediator { _"http://users.isoco.net/~slosada/ontologies/bank3/OWL2WSMLmediatorOntologyBank2.wsml" }capabilitysharedVariables ?mortgageLoanpreconditionnfpdc#description hasValue "The input has number of payments, type of interest andmortgage amount to simulate morgage result is a monthly payment."endnfpdefinedBy?mortgageLoan memberOf oo#MortgageLoanand ?mortgageLoan [ term hasValue ?term ,loanCapital hasValue ?capital ,interestRateType hasValue ?interest]and ?term[ totalTerm hasValue ?totalTerm,typeTerm hasValue MONTH ]and ?totalTerm < 300and ?interest memberOf productRateApplicationVariable[interestRateValue hasValue 0.5,referenceType hasValue _# ]and ?capital > 230000.postconditionnfpdc#description hasValue "The output is a list of mortgage amount."endnfp- 37 -

WSMO descriptions of application.definedBy?mortgageLoan memberOf oo#MortgageLoanand ?mortgageLoan [ intitalQuota hasValue _#,openingCommission hasValue ?comision ,interestDelay hasValue 0.1,lifeInsurance hasValue true]and ?comission >0.7.3.3.4. Bank3 servicesListing 17. Bank3 mortgage simulator Web Service.precondition: A monthly payment, interest rate type and number of payments.Mortgage must be interest rate variable along the time.postcondition: Total amount of mortgage which opening commission is 0.25 andsubrogation commission is 0.2.namespace {_"http://users.isoco.net/~slosada/ontologies/bank3/WSGetMortgageCapitalBank3.wsml#",dc _"http://purl.org/dc/elements/11#",foaf _"http://xmlns.com/foaf/01/",xsd _"http://www.w3c.org/2001/XMLSchema#",wsml _"http://www.wsmo.org/2004/wsml#",oo _"http://users.isoco.net/~slosada/ontologies/Bank3/OWL2WSMLOntologyBank3.wsml#"}webService _"http://users.isoco.net/~slosada/ontologies/bank3/WSGetMortgageCapitalBank3.wsml"nfpdc#title hasValue "Web Service that is a mortgage simulator"dc#type hasValue {_"http://www.wsmo.org/2004/d2#webservice"}dc#description hasValue ""dc#subject hasValue { "Simulator", "Mortgage", "Financial", "Product"}dc#date hasValue _date("2005-03-30")dc#format hasValue "text/html"dc#language hasValue "en-US"dc#rights hasValue {_"http://www.isoco.com/privacy.html"}wsml#version hasValue "$Revision: 10 $"endnfpusesMediator { _"http://users.isoco.net/~slosada/ontologies/Bank3/OWL2WSMLOntologyBank3.wsml"}capabilitysharedVariables ?mortgageLoanpreconditionnfpdc#description hasValue "The input has number of payments, type of interest andmonthly payment to simulate morgage result is a mortgage amount."endnfpdefinedBy?mortgageLoan memberOf oo#MortgageLoanand ?mortgageLoan [ term hasValue ?term ,intitalQuota hasValue ?quota,interestRateType hasValue ?interest ]and ?term memberOf Termand ?term[ totalTerm hasValue ?totalTerm,typeTerm hasValue MONTH ]and ?totalTerm < 298and ?interest memberOf productRateApplicationVariable [interestRateValue hasValue?interestValue]and ?interestValue < 0.5and ?quota < 900 .postconditionnfp- 38 -

WSMO descriptions of application.dc#description hasValue "The output is a list of mortgage amount."endnfpdefinedBy?mortgageLoan memberOf MortgageLoanand ?mortgageLoan [ loanCapital hasValue _#,openingCommission hasValue 0.25,subrogationCommission hasValue 0.2 ].Listing 18. Bank3 mortgage simulator Web Service.precondition: It’s necessary know the monthly payment, the interest rate type and thetotal amount of the mortgage loan. Mortgage must be interest rate variable along thetime.postcondition: Number of payments of the mortgage which opening commission is0.25 and subrogation commission is 02namespace {_"http://users.isoco.net/~slosada/ontologies/bank3/WSGetNumberOfPaymentsBank3.wsml#",dc _"http://purl.org/dc/elements/11#",foaf _"http://xmlns.com/foaf/01/",xsd _"http://www.w3c.org/2001/XMLSchema#",wsml _"http://www.wsmo.org/2004/wsml#",oo _"http://users.isoco.net/~slosada/ontologies/Bank3/OWL2WSMLOntologyBank3.wsml#"}webService _"http://users.isoco.net/~slosada/ontologies/bank3/WSGetNumberOfPaymentsBank3.wsml"nfpdc#title hasValue "Web Service that is a mortgage simulator"dc#type hasValue {_"http://www.wsmo.org/2004/d2#webservice"}dc#description hasValue ""dc#subject hasValue { "Simulator", "Mortgage", "Financial", "Product"}dc#date hasValue _date("2005-03-30")dc#format hasValue "text/html"dc#language hasValue "en-US"dc#rights hasValue {_"http://www.isoco.com/privacy.html"}wsml#version hasValue "$Revision: 10 $"endnfpusesMediator { _"http://users.isoco.net/~slosada/ontologies/Bank3/OWL2WSMLOntologyBank3.wsml" }capabilitysharedVariables ?mortgageLoanpreconditionnfpdc#description hasValue "The input has, monthly payment type of interest andmortgage amount to simulate morgage result is a number of payments."endnfpdefinedBy?mortgageLoan memberOf oo#MortgageLoanand ?mortgageLoan [ loanCapital hasValue ?capital ,intitalQuota hasValue ?quota,interestRateType hasValue ?interest ]and ?interest memberOf productRateApplicationVariable [interestRateValue hasValue?interestValue]and ?interestValue < 0.5and ?quota < 900and ?capital < 220000.postconditionnfpdc#description hasValue "The output is a list of mortgage amount."endnfpdefinedBy?mortgageLoan memberOf MortgageLoanand ?mortgageLoan [loanCapital hasValue _#,openingCommission hasValue 0.25,- 39 -

WSMO descriptions of application.subrogationCommission hasValue 0.2 ]and ?term[ totalTerm hasValue _#,typeTerm hasValue MONTH ].Listing 19. Bank3 mortgage simulator Web Service.precondition: A number of payments, interest rate type and total amount of mortgageloan. Mortgage must be interest rate variable along the time.postcondition: Monthly payment of a mortgage which opening commission is 0.25 andsubrogation commission is 0.2.namespace {_"http://users.isoco.net/~slosada/ontologies/bank3/WSGetMonthlyPaymentBank3.wsml#",dc _"http://purl.org/dc/elements/11#",foaf _"http://xmlns.com/foaf/01/",xsd _"http://www.w3c.org/2001/XMLSchema#",wsml _"http://www.wsmo.org/2004/wsml#",oo _"http://users.isoco.net/~slosada/ontologies/bank3/OWL2WSMLOntologyBank3.wsml#"}webService _"http://users.isoco.net/~slosada/ontologies/bank3/WSGetMonthlyPaymentBank3.wsml"nfpdc#title hasValue "Web Service that is a mortgage simulator"dc#type hasValue {_"http://www.wsmo.org/2004/d2#webservice"}dc#description hasValue ""dc#subject hasValue { "Simulator", "Mortgage", "Financial", "Product"}dc#date hasValue _date("2005-03-30")dc#format hasValue "text/html"dc#language hasValue "en-US"dc#rights hasValue {_"http://www.isoco.com/privacy.html"}wsml#version hasValue "$Revision: 10 $"endnfpusesMediator { _"http://users.isoco.net/~slosada/ontologies/bank3/OWL2WSMLOntologyBank3.wsml" }capabilitysharedVariables ?mortgageLoanpreconditionnfpdc#description hasValue "The input has number of payments, type of interest andmortgage amount to simulate morgage result is a monthly payment."endnfpdefinedBy?mortgageLoan memberOf oo#MortgageLoanand ?mortgageLoan [ term hasValue ?term ,loanCapital hasValue ?capital,interestRateType hasValue ?interest ]and ?term memberOf Termand ?term[ totalTerm hasValue ?totalTerm,typeTerm hasValue MONTH ]and ?totalTerm < 298and ?interest memberOf productRateApplicationVariable [interestRateValue hasValue?interestValue]and ?interestValue < 0.5and ?capital < 200000.postconditionnfpdc#description hasValue "The output is a list of mortgage amount."endnfpdefinedBy?mortgageLoan memberOf MortgageLoanand ?mortgageLoan [intitalQuota hasValue _#,openingCommission hasValue 0.25,subrogationCommission hasValue 0.2 ].- 40 -

WSMO descriptions of application.3.4. Mediators.Listing 20. OWL currency mediator Bankinter.This mediator transforms currency ontology in OWL format intoWSML formatnamespace {_"http://users.isoco.net/~slosada/ontologies/bankinter/owlCurrencyMediator.wsml#",dc _"http://purl.org/dc/elements/11#",foaf _"http://xmlns.com/foaf/01/",xsd _"http://www.w3c.org/2001/XMLSchema#",wsml _"http://www.wsmo.org/2004/wsml#"}ooMediator _"http://users.isoco.net/~slosada/ontologies/bankinter/owlCurrencyMediator.wsml"nonFunctionalPropertiesdc#description hasValue "This ooMediator imports the owl currencydescription of the financial ontology to wsml ontology."dc#type hasValue _"http://www.wsmo.org/2004/d2/#ooMediator"wsml#version hasValue "$Revision: 1.0 $"endNonFunctionalPropertiessource _"http://www.daml.ecs.soton.ac.uk/ont/currency.daml"target _ "http://users.isoco.net/~slosada/ontologies/bankinter/FinancialOntology.wsml"usesService http://138.232.65.151:8080/TranslatorService/OWL2WSML/Listing 21. OWL Currency Mediator Bank1.This mediator transforms currency ontology in OWL format intoWSML formatnamespace {_"http://users.isoco.net/~slosada/ontologies/Bank1/OwlCurrencyMediator.wsml#",dc _"http://purl.org/dc/elements/11#",foaf _"http://xmlns.com/foaf/01/",xsd _"http://www.w3c.org/2001/XMLSchema#",wsml _"http://www.wsmo.org/2004/wsml#"}ooMediator _"http://users.isoco.net/~slosada/ontologies/Bank1/OwlCurrencyMediator.wsml"nonFunctionalPropertiesdc#description hasValue "This ooMediator translates the owldescription of the financial ontology to wsml ontology."dc#type hasValue _"http://www.wsmo.org/2004/d2/#ooMediator"wsml#version hasValue "$Revision: 1.0 $"endNonFunctionalPropertiessource _"http://www.daml.ecs.soton.ac.uk/ont/currency.daml"target _"http://users.isoco.net/~slosada/ontologies/bank1/Bank1Ontology.wsml"usesService _"http://138.232.65.151:8080/TranslatorService/OWL2WSML/"Listing 22. Bank2 OWL2WSML mediator.This mediator transforms Bank2 ontology in OWL format intoWSML formatnamespace {_"http://users.isoco.net/~slosada/ontologies/bank2/OWL2WSMLOntologyBank2.wsml#",dc _"http://purl.org/dc/elements/11#",foaf _"http://xmlns.com/foaf/01/",xsd _"http://www.w3c.org/2001/XMLSchema#",wsml _"http://www.wsmo.org/2004/wsml#"}ooMediator _"http://users.isoco.net/~slosada/ontologies/bank2/OWL2WSMLOntologyBank2.wsml"nonFunctionalPropertiesdc#description hasValue "This ooMediator translates the owldescription of the domain ontology to wsml ontology."dc#type hasValue _"http://www.wsmo.org/2004/d2/#ooMediator"- 41 -

WSMO descriptions of application.wsml#version hasValue "$Revision: 1.0 $"endNonFunctionalPropertiessource _"http://users.isoco.net/~slosada/ontologies/bank2/OntologyBank2.owl"target _"http://users.isoco.net/~slosada/ontologies/bank2/OntologyBank2.wsml"usesService _"http://138.232.65.151:8080/TranslatorService/OWL2WSML/"Listing 23. OWL2WSML mediatorThis mediator transforms Bank3 ontology in OWL format intoWSML formatnamespace {_"http://users.isoco.net/~slosada/ontologies/bank3/OWL2WSMLOntologyBank3.wsml#",dc _"http://purl.org/dc/elements/11#",foaf _"http://xmlns.com/foaf/01/",xsd _"http://www.w3c.org/2001/XMLSchema#",wsml _"http://www.wsmo.org/2004/wsml#"}ooMediator _"http://users.isoco.net/~slosada/ontologies/bank3/OWL2WSMLOntologyBank3.wsml"nonFunctionalPropertiesdc#description hasValue "This ooMediator translates the owldescription of the domain ontology to wsml ontology."dc#type hasValue _"http://www.wsmo.org/2004/d2/#ooMediator"wsml#version hasValue "$Revision: 1.0 $"endNonFunctionalPropertiessource _"http://users.isoco.net/~slosada/ontologies/bank3/OntologyBank3.owl"target _"http://users.isoco.net/~slosada/ontologies/bank2/OntologyBank3.wsml"usesService _"http://138.232.65.151:8080/TranslatorService/OWL2WSML/"Listing 24. ooMediator Bank1 Ontology into Financial ontology.namespace {_" http://users.isoco.net/~slosada/ontologies/bank1/OntologyBank1toFinancialOntology.wsml#",dc _"http://purl.org/dc/elements/11#",foaf _"http://xmlns.com/foaf/01/",xsd _"http://www.w3c.org/2001/XMLSchema#",wsml _"http://www.wsmo.org/2004/wsml#"}ooMediator _"http://users.isoco.net/~slosada/ontologies/bank1/OntologyBank1toFinancialOntology.wsml"nonFunctionalPropertiesdc#description hasValue "This ooMediator translates the bank1 domain ontologyin financial ontology"dc#type hasValue _"http://www.wsmo.org/2004/d2/#ooMediator"wsml#version hasValue "$Revision: 1.0 $"endNonFunctionalPropertiessource _" http://users.isoco.net/~slosada/ontologies/bank1/OntologyBank1.wsml "target _"http://users.isoco.net/~slosada/ontologies/bankinter/FinancialOntology.wsml"usesService _"http://www.isoco.com/dataMediation/serviceListing 25. ooMediator Bank2 Ontology into Financial ontology.namespace {_" http://users.isoco.net/~slosada/ontologies/bank2/OntologyBank2toFinancialOntology.wsml#",dc _"http://purl.org/dc/elements/11#",foaf _"http://xmlns.com/foaf/01/",xsd _"http://www.w3c.org/2001/XMLSchema#",wsml _"http://www.wsmo.org/2004/wsml#"}ooMediator _"http://users.isoco.net/~slosada/ontologies/bank2/OntologyBank2toFinancialOntology.wsml"nonFunctionalPropertiesdc#description hasValue ""This ooMediator translates the bank1 domain ontology- 42 -

WSMO descriptions of application.."in financial ontology"dc#type hasValue _"http://www.wsmo.org/2004/d2/#ooMediator"wsml#version hasValue "$Revision: 1.0 $"endNonFunctionalPropertiessource _" http://users.isoco.net/~slosada/ontologies/bank2/OntologyBank2.wsml "target _"http://users.isoco.net/~slosada/ontologies/bankinter/FinancialOntology.wsml"usesService _"http://www.isoco.com/dataMediation/serviceListing 26. ooMediator Bank3 Ontology into Financial ontology.namespace {_" http://users.isoco.net/~slosada/ontologies/bank3/OntologyBank3toFinancialOntology.wsml#",dc _"http://purl.org/dc/elements/11#",foaf _"http://xmlns.com/foaf/01/",xsd _"http://www.w3c.org/2001/XMLSchema#",wsml _"http://www.wsmo.org/2004/wsml#"}ooMediator _"http://users.isoco.net/~slosada/ontologies/bank3/OntologyBank3toFinancialOntology.wsml"nonFunctionalPropertiesdc#description hasValue "This ooMediator translates the bank3 domain ontologyin financial ontology"dc#type hasValue _"http://www.wsmo.org/2004/d2/#ooMediator"wsml#version hasValue "$Revision: 1.0 $"endNonFunctionalPropertiessource _" http://users.isoco.net/~slosada/ontologies/bank3/OntologyBank3.wsml "target _"http://users.isoco.net/~slosada/ontologies/bankinter/FinancialOntology.wsml"usesService _"http://www.isoco.com/dataMediation/service4. CONCLUSIONSThe purpose of this document is providing WSMO descriptions of mortgagecomparison service, based on the four elements: WS, goals, ontologies and mediators.This deliverables illustrates in detail WSMO descriptions (of goals, mediators and WS)and the domain ontologies created to support the overall architecture.These descriptions will be used to test the DIP tecnology and will be relevant input forWP 1,2,3,4,5,6. This deliverable show the application of SWS in banking sector an itsbefitsAs far as WSMO is concerned, we have been able to use it to experess all requirementsof the financial sub-domain considered.Since the chosen domain does not include transactions -only information provision- theWSMO constructors assumptions and effects have not necesarry.REFERENCES[1] Martínez Montes M, Bas JL, Bellido S, Corcho O, Losada S (2004) Financial Ontology.DIP deliverable D10.3.[2] Martínez Montes M, Bas JL, Bellido S, Corcho O, Losada S (2004) Design andSpecification of Application. DIP deliverable D10.4.- 43 -

WSMO descriptions of application.[3] De Bruinjn et al The Web Service Modeling Language WSML, version 0.2 available athttp://www.wsmo.org/TR/d16/d16.1/v0.2/[4] C. Feier et al: WSMO Primer, version 0.2 available athttp://www.wsmo.org/TR/d3/d3.1/v0.2/[5] D. Roman, U. Keller, H. Lausen (eds.): Web Service Modeling Ontology - Standard(WSMO - Standard), version 1.2 available at http://www.wsmo.org/TR/d2/v1.2/[6] Hauswirth M, et al, (2004). Interoperability and Architecture. DIP Architecture D 6.2.- 44 -

WSMO descriptions of application.APENDIX ASome of the ontologies used in this use case are modelled in OWL. In order to use themwithin WSML, the syntax has to be converted to WSML (using an OO Mediator). Amediation service must be developed. The following listings provide the ontologies inOWL abstract syntax.. The conversion was done using the OWL API developed by theUniversity of Manchester. The OWL API provides programmatic access to datastructures representing OWL ontologies.This bank uses extends proton and models concepts for this bank. PROTON Ontology(PROTo ONtology). has been developed in the scope of the SEKT Project.Listing A 1 Bank2 Domain Ontology.Namespace(rdfNamespace(xsdNamespace(rdfsNamespace(owlNamespace(aNamespace(bNamespace(c= )= )= )= )= )= )= )Ontology( Annotation( owl:imports http://proton.semanticweb.org/2004/12/protonu)ObjectProperty(a:cancelationCommission Functional InverseFunctionaldomain(a:CurrentMortageLoan)range(a:Quota))ObjectProperty(a:channeldomain(a:ServiceContractedByCustomerInChannel)range(a:Channel))ObjectProperty(a:currencyProductdomain(a:FinancialProduct))ObjectProperty(a:customerdomain(a:ServiceContractedByCustomerInChannel))ObjectProperty(a:interestRateTypedomain(a:FinancialProduct)range(a:ProductRateApplication))ObjectProperty(a:paymentsdomain(a:SavingAccount)range(a:Payment))ObjectProperty(a:rateVariabledomain(a:ProductRateApplicationMixed)range(a:ProductRateApplicationVariable))ObjectProperty(a:servicedomain(a:ServiceContractedByCustomerInChannel)range(a:Service))ObjectProperty(a:subrogationCommission Functionaldomain(a:FutureMortgageLoan)range(a:Quota))ObjectProperty(a:titularityrange(a:FinancialProduct))DatatypeProperty(a:APRdomain(unionOf(a:FinancialProduct a:Channel))range(xsd:float))DatatypeProperty(a:CIFrange(xsd:string))DatatypeProperty(a:NIFrange(xsd:string))DatatypeProperty(a:buyCostPropertydomain(a:FutureMortgageLoan)range(xsd:string))- 45 -

WSMO descriptions of application.DatatypeProperty(a:capitaldomain(a:MortgageLoan)range(xsd:double))DatatypeProperty(a:delayInterestRatedomain(a:FutureMortgageLoan)range(xsd:float))DatatypeProperty(a:endingDatedomain(a:Quota)range(xsd:date))DatatypeProperty(a:expirationDatedomain(a:FinancialProduct)range(xsd:date))DatatypeProperty(a:handlingCapitaldomain(a:CurrentMortageLoan)range(xsd:float))DatatypeProperty(a:homeInsurancedomain(a:FutureMortgageLoan)range(xsd:boolean))DatatypeProperty(a:initalQuotadomain(a:FutureMortgageLoan)range(xsd:float))DatatypeProperty(a:initialPerioddomain(a:FutureMortgageLoan)range(xsd:duration))DatatypeProperty(a:interesDelaydomain(a:FutureMortgageLoan)range(xsd:float))DatatypeProperty(a:interestNextRevisiondomain(a:CurrentMortageLoan)range(xsd:float))DatatypeProperty(a:interestRateValuedomain(unionOf(a:FinancialProduct a:ProductRateApplication))range(xsd:float))DatatypeProperty(a:lifeInsurancedomain(a:FutureMortgageLoan)range(xsd:boolean))DatatypeProperty(a:loginrange(xsd:string))DatatypeProperty(a:mortgageTaxationdomain(a:FutureMortgageLoan)range(xsd:float))DatatypeProperty(a:namedomain(a:FinancialProduct)range(xsd:string))DatatypeProperty(a:openingCommission Functionaldomain(a:FutureMortgageLoan)range(xsd:string))DatatypeProperty(a:passwordrange(xsd:string))DatatypeProperty(a:periodicityCuotadomain(a:FutureMortgageLoan)range(xsd:duration))DatatypeProperty(a:quotaAfterRevisiondomain(a:FutureMortgageLoan)range(xsd:float))DatatypeProperty(a:revisionTermdomain(a:FutureMortgageLoan)range(xsd:duration))DatatypeProperty(a:revisionTermNextdomain(a:MortgageLoan)range(xsd:duration))DatatypeProperty(a:saleCostPropertydomain(a:CurrentMortageLoan)range(xsd:string))DatatypeProperty(a:signalDateContractdomain(a:FinancialProduct)range(xsd:date))DatatypeProperty(a:startingDatedomain(a:Quota)range(xsd:date))DatatypeProperty(a:termdomain(a:FutureMortgageLoan)range(xsd:duration))- 46 -

WSMO descriptions of application.DatatypeProperty(a:termRateFixed Functionaldomain(a:ProductRateApplicationMixed)range(xsd:duration))DatatypeProperty(a:typeOfRaterange(oneOf("fixed"^^"variable"^^ "mixed"^^)))DatatypeProperty(a:typeReferenceRaterange(oneOf("CECA"^^"Euribor"^^ "IRPH-ent"^^"IRPH-cajas"^^)))DatatypeProperty(a:value Functionalrange(xsd:float))Class(c:Person partial)Class(c:Product partial)Class(c:Service partial)Class(b:Bank partial)Class(b:Division partial)Class(a:AddedValue partiala:Service)Class(a:AddedValue partialannotation(rdfs:comment "The sales revenue from selling a product less the cost of the materials or purchases usedin those products. It is an indicator of relative efficiency within and between firms, although in the latter case it is open todistortion where mark-up varies between standard and premium-priced segments of a market"@en)annotation(rdfs:comment "Es el valor con que enriqueces algo al transformarlo. Normalmente se calcula como ladiferencia entre el valor de compra y el valor de venta, aunque es algo mÁs intangible"@es))Class(a:Administrative partiala:Employee)Class(a:Administrative partialannotation(rdfs:comment "Employee with administrative functions"@en)annotation(rdfs:comment "Empleado con funciones de administraciÓn."@es))Class(a:Asset partiala:FinancialProduct)Class(a:Asset partialannotation(rdfs:comment "The land or property of a company or individual, payments due from bills, investments, andanything else owned that can be turned into cash"@en)annotation(rdfs:comment "Activo bancario. Cuenta con saldo a favor del cliente."@es))Class(a:Branch partiala:Channel)Class(a:Branch partialannotation(rdfs:comment "Physical bank office"@en)annotation(rdfs:comment "Oficina bancaria fisica"@es))Class(a:Channel partialb:Bank)Class(a:Channel partialannotation(rdfs:comment "Communication means used in the relationship between the bank and its customers,including branches, phone, Internet, virtual banking, etc."@en)annotation(rdfs:comment "Canal de relaciÓn entre el cliente y el banco. Es el medio que utiliza el cliente o el Bancopara comunicarse: Oficinas, Internet, Banca TelefÓnica, TelÉfono mÓvil, Agentes, Oficinas Virtuales, etc."@es))Class(a:Collection partiala:Service)Class(a:Collection partialannotation(rdfs:comment "Ingreso en cuenta"@es)annotation(rdfs:comment "Deposit in a saving account"@en))Class(a:Commercial partiala:Employee)Class(a:Commercial partialannotation(rdfs:comment "Empleado con funciones comerciales"@es)annotation(rdfs:comment "Employee with commercial functions"@en))Class(a:Corporative partiala:Department)Class(a:Corporative partialannotation(rdfs:comment "Company with a specific set of characteristics that require a personalised commercialtreatment. Depending on each bank, the set of characteristics may change, although they normally refer to number ofemployees and annual turnover. It includes company groups, multinational companies, etc."@en)annotation(rdfs:comment "Empresa que por sus caracterÃÂticas merece un tratamiento comercial individualizado.- 47 -

WSMO descriptions of application.Dependiendo de cada Banco estas caracterÃÂsticas pueden variar, aunque normalmente se refieren a número deempleados y/o facturaciÓn anual. Inluye grupos de empresas, multinacionales, etc"@es))Class(a:CurrentMortageLoan partiala:MortgageLoan)Class(a:CurrentMortageLoan partialannotation(rdfs:comment "PrÉstamo hipotecario actual que el usuario estÁ pensando en cambiar"@es)annotation(rdfs:comment "Current mortgage loan that the user is willing to change."@en))Class(a:Department partialb:Division)Class(a:Department partialannotation(rdfs:comment "Internal area of the bank that performs a specific function"@en)annotation(rdfs:comment "Departamento. Area interna del Banco que tiene una misiÓn dentro de Él"@es))Class(a:Employee partialc:Person)Class(a:FinancialProduct partialrestriction(a:name cardinality(1))c:Productrestriction(a:APR cardinality(1)))Class(a:FinancialProduct partialannotation(rdfs:comment "Cualquier producto bancario que requiere la firma de un contrato (ejemplo: una cuentacorriente o un crÉdito)."@es)annotation(rdfs:comment "Bank product that requires the signature of a contract between the customer and thebank"@en))Class(a:FutureMortgageLoan partiala:MortgageLoan)Class(a:FutureMortgageLoan partialannotation(rdfs:comment "PrÉstamo hipotecario por el que el usuario estÁ pensando cambiar su prÉstamoactual"@es)annotation(rdfs:comment "Future mortgage loan that the user will use instead of the current one"@en))Class(a:Individuals partiala:Department)Class(a:Individuals partialannotation(rdfs:comment "Department that deals with physical persons"@en))Class(a:InvestmentAccount partiala:Asset)Class(a:InvestmentAccount partialannotation(rdfs:comment "Account setup to perform an investment, such as a fixed term deposit"@en)annotation(rdfs:comment "Cuenta de inversiÓn. Por ejemplo una imposiciÓn a plazo fijo (IPF) o un depÓsitoremunerado"@es))Class(a:InvestmentFund partiala:Asset)Class(a:InvestmentFund partialannotation(rdfs:comment "Fondo de InversiÓn. Club de inversiÓn donde muchas personas ponen un dinero que elBanco invierte en su nombre y cuyos beneficios/pÉrdidas se reinvierten. Es disponible en cualquier momentovendiendo las participaciones que en su dÃÂa se compraron."@es)annotation(rdfs:comment "Investment club where a set of customers put their money so that the bank performs aninvestment on behalf of them."@en))Class(a:Invoice partiala:Payment)Class(a:Invoice partialannotation(rdfs:comment "An itemized statement given to a buyer by a seller and usually specifying the price ofgoods or services and the terms of sale"@en)annotation(rdfs:comment "Factura"@es))Class(a:Liability partiala:FinancialProduct)Class(a:Liability partialannotation(rdfs:comment "The amount that is owed by an individual or company, whether money, products, orservices, to others."@en)annotation(rdfs:comment "Cantidad que un individuo o compaÍa debe a otros. Esta cantidad puede ser dinero,productos o servicios"@es))Class(a:Loan partiala:Asset)Class(a:Loan partial- 48 -

WSMO descriptions of application.annotation(rdfs:comment "PrÉstamo, crÉdito, cualquier cuenta con saldo a favor del banco"@es)annotation(rdfs:comment "Money let out at interest"@en))Class(a:MortgageLoan partiala:Loan)Class(a:MortgageLoan partialannotation(rdfs:comment "PrÉstamo hipotecario"@es)annotation(rdfs:comment "A long-term loan backed by real estate or valuable property, usually the item purchasedwith the loan. The creditor can claim that property if all payments are not made by the borrower when they aredue"@en))Class(a:Payment partiala:Service)Class(a:Payment partialannotation(rdfs:comment "Money given to pay for something"@en)annotation(rdfs:comment "Pago"@es))Class(a:ProductRateApplication partialb:Bank)Class(a:ProductRateApplication partialannotation(rdfs:comment "Tipo de interÉs aplicado"@es)annotation(rdfs:comment "Applied interest rate"@en))Class(a:ProductRateApplicationFixed partiala:ProductRateApplication)Class(a:ProductRateApplicationFixed partialannotation(rdfs:comment "tipo de interÉs fijo. Es un tipo de interÉs que no cambia en toda la vida delprÉstamo."@es)annotation(rdfs:comment "Fixed interest rate. It never varies during the mortgage life"@en))Class(a:ProductRateApplicationMixed partiala:ProductRateApplication)Class(a:ProductRateApplicationMixed partialannotation(rdfs:comment "tipo de interÉs mixto. Es una mezcla de tipo fijo y variable. Normalmente fijo en lasprimeras cuotas y variable en las demÁs"@es)annotation(rdfs:comment "Mixed interest rate, usually composed of fixed and variable interest rates"@en))Class(a:ProductRateApplicationVariable partiala:ProductRateApplication)Class(a:ProductRateApplicationVariable partialannotation(rdfs:comment "tipo de interÉs variable. Es un tipo de interÉs que se modifica periÓdicamente en funciÓnde los tipos de interÉs de mercado que se hayan predefinido en contrato"@es)annotation(rdfs:comment "Variable interest rate. It may vary during the mortgage life"@en))Class(a:Quota partialb:Bank)Class(a:Quota partialannotation(rdfs:comment "Amount to be paid in a loan"@en))Class(a:SME partiala:Department)Class(a:SME partialannotation(rdfs:comment "Pequeña y Mediana Empresa (PYME)"@es)annotation(rdfs:comment "Small or Medium Enterprise"@en))Class(a:SavingAccount partiala:Asset)Class(a:SavingAccount partialannotation(rdfs:comment "Cuenta de Ahorro. Es lo mismo que una cuenta corriente, pero con libreta y sin talonariode cheques. Normalmente estÁ remunerada a un tipo de interÉs que suele ser bajo"@es)annotation(rdfs:comment "Account without a chequebook and normally with a low interest rate"@en))Class(a:Service partialc:Service)Class(a:Service partialannotation(rdfs:comment "Service es el tipo de cosas que se pueden hacer pero que no requieren contrato (ejemplo :una orden de transferencia). Service tambien es cualquier producto no financiero que distribuya un banco."@es)annotation(rdfs:comment "Financial products offered by a bank or services that do not require a contract, like a banktransfer order"@en))Class(a:ServiceContractedByCustomerInChannel partialb:Bank)Class(a:ServiceContractedByCustomerInChannel partial- 49 -

WSMO descriptions of application.annotation(rdfs:comment "Productos contratados por un canal"@es)annotation(rdfs:comment "Product or service contracted by a channel"@en))Class(a:Staff partiala:Employee)Class(a:Staff partialannotation(rdfs:comment "Servicios Centrales de una empresa. Por ejemplo: Recursos humanos, Alta direcciÓn,Inmuebles y Servicios Generales, InnovaciÓn, etc"@es)annotation(rdfs:comment "Central Services of a company, such as Human Resources, Management, Innovation,etc."@en))Class(a:vBanking partiala:Channel)Class(a:vBanking partialannotation(rdfs:comment "Virtual Banking. Banking without human intervention"@en)annotation(rdfs:comment "Virtual Banking Banca por medios fÃÂsicos o sin intermediaciÓn humana."@es))AnnotationProperty(rdfs:comment)DisjointClasses(a:ProductRateApplicationFixed a:ProductRateApplicationMixed)DisjointClasses(a:ProductRateApplicationMixed a:ProductRateApplicationVariable)DisjointClasses(a:ProductRateApplicationFixed a:ProductRateApplicationVariable)DisjointClasses(a:ProductRateApplicationMixed a:ProductRateApplicationVariable)DisjointClasses(a:ProductRateApplicationFixed a:ProductRateApplicationMixed)DisjointClasses(a:ProductRateApplicationFixed a:ProductRateApplicationVariable)This ontology extends a financial ontology based in SUMO ontology.Listing A 2. Bank3 domain ontology.Namespace(rdfNamespace(xsdNamespace(rdfsNamespace(owlNamespace(aNamespace(bNamespace(c= )= )= )= )= )= )= )Ontology( Annotation( owl:imports http://www.daml.ecs.soton.ac.uk/ont/currency.owl)Annotation( owl:imports http://users.isoco.net/~slosada/ontologies/FinancialSUMO.owl)ObjectProperty(a:CIFdomain(a:Company))ObjectProperty(a:NIFdomain(unionOf(a:Person a:SOHO)))ObjectProperty(a:cancelationCommission Functional InverseFunctionaldomain(a:CurrentMortageLoan)range(a:Quota))ObjectProperty(a:channeldomain(a:ServiceContractedByCustomerInChannel)range(a:Channel))ObjectProperty(a:currencyProductrange(c:Currency))ObjectProperty(a:customerdomain(a:ServiceContractedByCustomerInChannel)range(a:Customer))ObjectProperty(a:interestRateTyperange(a:ProductRateApplication))ObjectProperty(a:openingCommission Functionaldomain(a:FutureMortgageLoan)range(a:Quota))ObjectProperty(a:passworddomain(a:User))ObjectProperty(a:paymentsdomain(a:SavingAccount))- 50 -

WSMO descriptions of application.ObjectProperty(a:rateVariabledomain(a:ProductRateApplicationMixed)range(a:ProductRateApplicationVariable))ObjectProperty(a:servicedomain(a:ServiceContractedByCustomerInChannel))ObjectProperty(a:subrogationCommission Functionaldomain(a:FutureMortgageLoan)range(a:Quota))ObjectProperty(a:titularity Symmetricdomain(a:Customer))DatatypeProperty(a:APRdomain(a:Channel)range(xsd:float))DatatypeProperty(a:buyCostPropertydomain(a:FutureMortgageLoan)range(xsd:string))DatatypeProperty(a:capitaldomain(b:Mortgage)range(xsd:double))DatatypeProperty(a:delayInterestRatedomain(a:FutureMortgageLoan)range(xsd:float))DatatypeProperty(a:endingDatedomain(a:Quota)range(xsd:date))DatatypeProperty(a:expirationDaterange(xsd:date))DatatypeProperty(a:handlingCapitaldomain(a:CurrentMortageLoan)range(xsd:float))DatatypeProperty(a:homeInsurancedomain(a:FutureMortgageLoan)range(xsd:boolean))DatatypeProperty(a:initalQuotadomain(a:FutureMortgageLoan)range(xsd:float))DatatypeProperty(a:initialPerioddomain(a:FutureMortgageLoan)range(xsd:duration))DatatypeProperty(a:interesDelaydomain(a:FutureMortgageLoan)range(xsd:float))DatatypeProperty(a:interestNextRevisiondomain(a:CurrentMortageLoan)range(xsd:float))DatatypeProperty(a:interestRateValuedomain(a:ProductRateApplication)range(xsd:float))DatatypeProperty(a:lifeInsurancedomain(a:FutureMortgageLoan)range(xsd:boolean))DatatypeProperty(a:logindomain(a:User)range(xsd:string))DatatypeProperty(a:mortgageTaxationdomain(a:FutureMortgageLoan)range(xsd:float))DatatypeProperty(a:namedomain(a:Customer)range(xsd:string))DatatypeProperty(a:periodicityCuotadomain(a:FutureMortgageLoan)range(xsd:duration))DatatypeProperty(a:quotaAfterRevisiondomain(a:FutureMortgageLoan)range(xsd:float))DatatypeProperty(a:revisionTermdomain(a:FutureMortgageLoan)range(xsd:duration))DatatypeProperty(a:revisionTermNextdomain(b:Mortgage)range(xsd:duration))- 51 -

WSMO descriptions of application.DatatypeProperty(a:saleCostPropertydomain(a:CurrentMortageLoan)range(xsd:string))DatatypeProperty(a:signalDateContractrange(xsd:date))DatatypeProperty(a:startingDatedomain(a:Quota)range(xsd:date))DatatypeProperty(a:termdomain(a:FutureMortgageLoan)range(xsd:duration))DatatypeProperty(a:termRateFixed Functionaldomain(a:ProductRateApplicationMixed)range(xsd:duration))DatatypeProperty(a:typeOfRaterange(oneOf("fixed"^^"mixed"^^ "variable"^^)))DatatypeProperty(a:typeReferenceRaterange(oneOf("IRPH-ent"^^"CECA"^^ "Euribor"^^"IRPH-cajas"^^)))DatatypeProperty(a:value Functionalrange(xsd:float))Class(b:BankOrganization partial)Class(b:ConventionalMortgage partial)Class(b:Mortgage partial)Class(b:Payment partial)Class(b:TraditionalSavingsAccount partial)Class(b:interestEarned partial)Class(b:relations partial)Class(a:Administrative partiala:Employee)Class(a:Administrative partialannotation(rdfs:comment "Empleado con funciones de administración."@es)annotation(rdfs:comment "Employee with administrative functions"@en))Class(a:Branch partiala:Channel)Class(a:Branch partialannotation(rdfs:comment "Oficina bancaria fisica"@es)annotation(rdfs:comment "Physical bank office"@en))Class(a:Channel partialb:BankOrganization)Class(a:Channel partialannotation(rdfs:comment "Communication means used in the relationship between the bank and its customers,including branches, phone, Internet, virtual banking, etc."@en)annotation(rdfs:comment "Canal de relación entre el cliente y el banco. Es el medio que utiliza el cliente o el Bancopara comunicarse: Oficinas, Internet, Banca Telefónica, Teléfono móvil, Agentes, Oficinas Virtuales, etc."@es))Class(a:Commercial partiala:Employee)Class(a:Commercial partialannotation(rdfs:comment "Employee with commercial functions"@en)annotation(rdfs:comment "Empleado con funciones comerciales"@es))Class(a:Company partiala:Customer)Class(a:Company partialannotation(rdfs:comment "A number of people grouped together as a business enterprise. Types of companiesinclude public limited companies, partnerships, joint ventures and proprietorships, and branches of foreigncompanies"@en))Class(a:Corporative partiala:Department)Class(a:Corporative partialannotation(rdfs:comment "Company with a specific set of characteristics that require a personalised commercialtreatment. Depending on each bank, the set of characteristics may change, although they normally refer to number ofemployees and annual turnover. It includes company groups, multinational companies, etc."@en)annotation(rdfs:comment "Empresa que por sus caracterÃticas merece un tratamiento comercial individualizado.Dependiendo de cada Banco estas caracterÃsticas pueden variar, aunque normalmente se refieren a número deempleados y/o facturación anual. Inluye grupos de empresas, multinacionales, etc"@es)- 52 -

WSMO descriptions of application.)Class(a:Currency partialc:Currency)Class(a:Currency partialannotation(rdfs:comment "Money in circulation"@en)annotation(rdfs:comment "Divisa, incluyendo la moneda nacional"@es))Class(a:CurrentMortageLoan partialb:ConventionalMortgage)Class(a:CurrentMortageLoan partialannotation(rdfs:comment "Current mortgage loan that the user is willing to change."@en)annotation(rdfs:comment "Préstamo hipotecario actual que el usuario está pensando en cambiar"@es))Class(a:Customer partiala:User)Class(a:Customer partialannotation(rdfs:comment "Cliente que mantiene una relación contractual con el banco (normalmente una cuentabancaria)"@es)annotation(rdfs:comment "Bank client, who usually has a contractual relationship with the bank"@en))Class(a:Department partiala:User)Class(a:Department partialannotation(rdfs:comment "Departamento. Area interna del Banco que tiene una misión dentro de él"@es)annotation(rdfs:comment "Internal area of the bank that performs a specific function"@en))Class(a:Employee partiala:User)Class(a:FutureMortgageLoan partialb:ConventionalMortgage)Class(a:FutureMortgageLoan partialannotation(rdfs:comment "Préstamo hipotecario por el que el usuario está pensando cambiar su préstamoactual"@es)annotation(rdfs:comment "Future mortgage loan that the user will use instead of the current one"@en))Class(a:Individuals partiala:Department)Class(a:Individuals partialannotation(rdfs:comment "Department that deals with physical persons"@en))Class(a:Invoice partialb:Payment)Class(a:Invoice partialannotation(rdfs:comment "An itemized statement given to a buyer by a seller and usually specifying the price ofgoods or services and the terms of sale"@en)annotation(rdfs:comment "Factura"@es))Class(a:Person partiala:Customer)Class(a:Person partialannotation(rdfs:comment "Persona fÃsica o jurÃdica"@es)annotation(rdfs:comment "Bank client that represents a single person (physical or juridical)"@en))Class(a:ProductRateApplication partialannotation(rdfs:comment "Applied interest rate"@en)annotation(rdfs:comment "Tipo de interés aplicado"@es))Class(a:ProductRateApplicationFixed partiala:ProductRateApplication)Class(a:ProductRateApplicationFixed partialannotation(rdfs:comment "Fixed interest rate. It never varies during the mortgage life"@en)annotation(rdfs:comment "tipo de interés fijo. Es un tipo de interés que no cambia en toda la vida delpréstamo."@es))Class(a:ProductRateApplicationMixed partiala:ProductRateApplication)Class(a:ProductRateApplicationMixed partialannotation(rdfs:comment "Mixed interest rate, usually composed of fixed and variable interest rates"@en)annotation(rdfs:comment "tipo de interés mixto. Es una mezcla de tipo fijo y variable. Normalmente fijo en lasprimeras cuotas y variable en las demás"@es))Class(a:ProductRateApplicationVariable partiala:ProductRateApplication)- 53 -

WSMO descriptions of application.Class(a:ProductRateApplicationVariable partialannotation(rdfs:comment "Variable interest rate. It may vary during the mortgage life"@en)annotation(rdfs:comment "tipo de interés variable. Es un tipo de interés que se modifica periódicamente enfunción de los tipos de interés de mercado que se hayan predefinido en contrato"@es))Class(a:Quota partialannotation(rdfs:comment "Amount to be paid in a loan"@en))Class(a:SME partiala:Department)Class(a:SME partialannotation(rdfs:comment "Small or Medium Enterprise"@en)annotation(rdfs:comment "Pequeña y Mediana Empresa (PYME)"@es))Class(a:SOHO partiala:Customer)Class(a:SOHO partialannotation(rdfs:comment "Small Office, Home Office. Normalmente se refiere a profesionales que trabajan en supropio despacho o negocio"@es)annotation(rdfs:comment "Small Office, Home Office. It usually refers to professionals who work in their ownoffices"@en))Class(a:SavingAccount partialb:TraditionalSavingsAccount)Class(a:SavingAccount partialannotation(rdfs:comment "Account without a chequebook and normally with a low interest rate"@en)annotation(rdfs:comment "Cuenta de Ahorro. Es lo mismo que una cuenta corriente, pero con libreta y sin talonariode cheques. Normalmente está remunerada a un tipo de interés que suele ser bajo"@es))Class(a:ServiceContractedByCustomerInChannel partialb:relations)Class(a:ServiceContractedByCustomerInChannel partialannotation(rdfs:comment "Productos contratados por un canal"@es)annotation(rdfs:comment "Product or service contracted by a channel"@en))Class(a:Staff partiala:Employee)Class(a:Staff partialannotation(rdfs:comment "Central Services of a company, such as Human Resources, Management, Innovation,etc."@en)annotation(rdfs:comment "Servicios Centrales de una empresa. Por ejemplo: Recursos humanos, Alta dirección,Inmuebles y Servicios Generales, Innovación, etc"@es))Class(a:User partial)Class(a:vBanking partiala:Channel)Class(a:vBanking partialannotation(rdfs:comment "Virtual Banking Banca por medios fÃsicos o sin intermediación humana."@es)annotation(rdfs:comment "Virtual Banking. Banking without human intervention"@en))Class(c:Currency partial)AnnotationProperty(rdfs:comment)DisjointClasses(a:SOHO a:Company)DisjointClasses(a:ProductRateApplicationVariable a:ProductRateApplicationMixed)DisjointClasses(a:Person a:SOHO)DisjointClasses(a:SOHO a:Company)DisjointClasses(a:ProductRateApplicationVariable a:ProductRateApplicationMixed)DisjointClasses(a:ProductRateApplicationFixed a:ProductRateApplicationMixed)DisjointClasses(a:ProductRateApplicationFixed a:ProductRateApplicationMixed)DisjointClasses(a:Person a:Company)DisjointClasses(a:Person a:SOHO)DisjointClasses(a:ProductRateApplicationFixed a:ProductRateApplicationVariable)DisjointClasses(a:ProductRateApplicationFixed a:ProductRateApplicationVariable)DisjointClasses(a:Person a:Company))- 54 -

WSMO descriptions of application.- 55 -