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Wicked Design Solutions
Lisa Martinez
Generic Components
• Person
• Person with relationships to a legal entity
Person in a retail transaction
• Person elects to buy an asset
• Financial Management
• Offer Management Capability
Expense and Revenue Transaction Capability
• Person commits to an investment
• Expense for finance company
• Revenue to Dealership
• Expense to the consumer

2013 @ Copyright WICKED Design Solutions
Party
Management

•
•
•
•

Offer
Management

• Products/Software
• Services

Financial
Management

• Location
• Pricing and interest with tax and duty fees
• Structure of financing

Transaction
Capabilities

Employee
Supplier
Customer
Consumer

• a point in time transaction between two legal entities
• An expense
• A Revenue

2013 @ Copyright WICKED Design Solutions


Management Capability
◦ Manage the create, read and update with managed record retention
versus delete or purge.
 Business Activities must be grouped in a series of Task to ensure due
diligence.

◦ ETL – Integration technology must not alter inputs in backend
processes.
 Be mindful of physical tables


Transaction Capability
◦ Expense
◦ Revenue

2013 @ Copyright WICKED Design Solutions
Personal Information

Birth Record





Social

Education

Security #

Records

Health
Records

Driving and
Insurance
Records

Any company can collect these details from a number of
sources.
Voice of the customer
◦ “My fathers name was never used other than k-6th grade.
 Can you tell me how my data as a minor was sold to a search company?
 I’ve never had an id or anything official using the name in that name. “

2013 @ Copyright WICKED Design Solutions
2013 @ Copyright WICKED Design Solutions
Personal
Information

Banking

Professional
Networks

To get these
services

Social
Networking

Birth Record

Social
Security #

School

Job
Person

Car

Phone

Education
Records

Health
Records

Each assigns an
ID

2013 @ Copyright WICKED Design Solutions

Driving and
Insurance
Records
an education
consumer

an occupant or
home owner

a healthcare
insured person

a driver and
insured person

an Employee

2013 @ Copyright WICKED Design Solutions
My Economic Life
Private according to my rights, if only
they were enforced.

2013 @ Copyright WICKED Design Solutions
Setup, update, read and archive my financial accounts over
my lifetime

2013 @ Copyright WICKED Design
Solutions


People from outside my company who try to
inquire at my employer, must have a signed
release.
◦ Then why are social media companies publishing
this openly on the web?



My employer has policies to prevent
employees from talking about their salaries.
◦ Then why is my salary published openly on the
web?
When I buy a car, I may sign a release.
My choice to release this information.

2013 @ Copyright WICKED Design Solutions


A personal checking and/or
savings account



◦ Savings accounts for your children








A joint account
A line of credit
A car loan
A home loan
A business loan
A retirement plan

Generic Accounts

You will need insurance on
most loans
◦ Car
◦ Home
◦ Business





You will be issued a debit/credit
card
You will have scheduled
payments
You may use online bill pay

Outcomes
2013 @ Copyright WICKED Design
Solutions
Create/setup, read, update and archive the item and all
associated parts a consumer needs when investing in a vehicle.

2013 @ Copyright WICKED Design
Solutions
An investment
A consumer buys a car

2013 @ Copyright WICKED Design Solutions
 When

I choose a car.

◦ The expense transaction is intended to be a
revenue for the dealer, but I pay the finance
company.
 I negotiate with the employees at the dealership.
 I expect the finance company chosen by the
dealership to honor our deal.

2013 @ Copyright WICKED Design Solutions
Manufacturer
builds a thing

A finance
company invest
in the thing for
the consumer

An insurance
broker will
charge for full
coverage

The
Thing
“a Car”

Dealership or
Broker
Acquires the
Things from
MFG

A consumer
buys or
commits to
finance a things

2013 @ Copyright WICKED Design Solutions
Anywhere in the world we have things
organizations sell in the private sector to
customers of many types and sizes.
 Anywhere in the world a consumer may
purchase with cash or credit through a finance
company.


◦ A finance company may make an investment in a
legal binding relationship with the consumer who
becomes the finance companies customer.
Private Industry
Localization – any geography
For a profit indicates several things around tax
and reporting to the Security Exchange
Commission.
•

•

2013 @ Copyright WICKED Design Solutions
“a voice of the customer,
how consumers really feel”
The end
2013 @ Copyright WICKED Design Solutions

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A consumers point of view

  • 2. Generic Components • Person • Person with relationships to a legal entity Person in a retail transaction • Person elects to buy an asset • Financial Management • Offer Management Capability Expense and Revenue Transaction Capability • Person commits to an investment • Expense for finance company • Revenue to Dealership • Expense to the consumer 2013 @ Copyright WICKED Design Solutions
  • 3. Party Management • • • • Offer Management • Products/Software • Services Financial Management • Location • Pricing and interest with tax and duty fees • Structure of financing Transaction Capabilities Employee Supplier Customer Consumer • a point in time transaction between two legal entities • An expense • A Revenue 2013 @ Copyright WICKED Design Solutions
  • 4.  Management Capability ◦ Manage the create, read and update with managed record retention versus delete or purge.  Business Activities must be grouped in a series of Task to ensure due diligence. ◦ ETL – Integration technology must not alter inputs in backend processes.  Be mindful of physical tables  Transaction Capability ◦ Expense ◦ Revenue 2013 @ Copyright WICKED Design Solutions
  • 5. Personal Information Birth Record   Social Education Security # Records Health Records Driving and Insurance Records Any company can collect these details from a number of sources. Voice of the customer ◦ “My fathers name was never used other than k-6th grade.  Can you tell me how my data as a minor was sold to a search company?  I’ve never had an id or anything official using the name in that name. “ 2013 @ Copyright WICKED Design Solutions
  • 6. 2013 @ Copyright WICKED Design Solutions
  • 7. Personal Information Banking Professional Networks To get these services Social Networking Birth Record Social Security # School Job Person Car Phone Education Records Health Records Each assigns an ID 2013 @ Copyright WICKED Design Solutions Driving and Insurance Records
  • 8. an education consumer an occupant or home owner a healthcare insured person a driver and insured person an Employee 2013 @ Copyright WICKED Design Solutions
  • 9. My Economic Life Private according to my rights, if only they were enforced. 2013 @ Copyright WICKED Design Solutions
  • 10. Setup, update, read and archive my financial accounts over my lifetime 2013 @ Copyright WICKED Design Solutions
  • 11.  People from outside my company who try to inquire at my employer, must have a signed release. ◦ Then why are social media companies publishing this openly on the web?  My employer has policies to prevent employees from talking about their salaries. ◦ Then why is my salary published openly on the web? When I buy a car, I may sign a release. My choice to release this information. 2013 @ Copyright WICKED Design Solutions
  • 12.  A personal checking and/or savings account  ◦ Savings accounts for your children       A joint account A line of credit A car loan A home loan A business loan A retirement plan Generic Accounts You will need insurance on most loans ◦ Car ◦ Home ◦ Business    You will be issued a debit/credit card You will have scheduled payments You may use online bill pay Outcomes 2013 @ Copyright WICKED Design Solutions
  • 13. Create/setup, read, update and archive the item and all associated parts a consumer needs when investing in a vehicle. 2013 @ Copyright WICKED Design Solutions
  • 14. An investment A consumer buys a car 2013 @ Copyright WICKED Design Solutions
  • 15.  When I choose a car. ◦ The expense transaction is intended to be a revenue for the dealer, but I pay the finance company.  I negotiate with the employees at the dealership.  I expect the finance company chosen by the dealership to honor our deal. 2013 @ Copyright WICKED Design Solutions
  • 16. Manufacturer builds a thing A finance company invest in the thing for the consumer An insurance broker will charge for full coverage The Thing “a Car” Dealership or Broker Acquires the Things from MFG A consumer buys or commits to finance a things 2013 @ Copyright WICKED Design Solutions
  • 17. Anywhere in the world we have things organizations sell in the private sector to customers of many types and sizes.  Anywhere in the world a consumer may purchase with cash or credit through a finance company.  ◦ A finance company may make an investment in a legal binding relationship with the consumer who becomes the finance companies customer. Private Industry Localization – any geography For a profit indicates several things around tax and reporting to the Security Exchange Commission. • • 2013 @ Copyright WICKED Design Solutions
  • 18. “a voice of the customer, how consumers really feel” The end 2013 @ Copyright WICKED Design Solutions