@etherisc/gif-next 0.0.2-ff282a4-523 → 0.0.2-ffa91a6-022

package/contracts/product/ClaimService.sol

@@ -1,57 +1,37 @@
 // SPDX-License-Identifier: Apache-2.0
-pragma solidity ^0.8.19;
-
-import {IRisk} from "../instance/module/IRisk.sol";
-import {IService} from "./IApplicationService.sol";
+pragma solidity ^0.8.20;
 
+import {IClaimService} from "./IClaimService.sol";
 import {IComponents} from "../instance/module/IComponents.sol";
-import {IRegistry} from "../registry/IRegistry.sol";
-import {IProductComponent} from "./IProductComponent.sol";
-import {Product} from "./Product.sol";
-import {IPoolComponent} from "../pool/IPoolComponent.sol";
-import {IDistributionComponent} from "../distribution/IDistributionComponent.sol";
 import {IInstance} from "../instance/IInstance.sol";
 import {IPolicy} from "../instance/module/IPolicy.sol";
-import {IRisk} from "../instance/module/IRisk.sol";
-import {IBundle} from "../instance/module/IBundle.sol";
-import {IProductService} from "./IProductService.sol";
-import {ITreasury} from "../instance/module/ITreasury.sol";
-import {ISetup} from "../instance/module/ISetup.sol";
-
-import {TokenHandler} from "../shared/TokenHandler.sol";
-
-import {IVersionable} from "../shared/IVersionable.sol";
-import {Versionable} from "../shared/Versionable.sol";
+import {IPolicyHolder} from "../shared/IPolicyHolder.sol";
+import {IPoolComponent} from "../pool/IPoolComponent.sol";
+import {IPolicyService} from "../product/IPolicyService.sol";
+import {IPoolService} from "../pool/IPoolService.sol";
+import {IRegistry} from "../registry/IRegistry.sol";
 
 import {Amount, AmountLib} from "../type/Amount.sol";
-import {Timestamp, TimestampLib, zeroTimestamp} from "../type/Timestamp.sol";
-import {UFixed, UFixedLib} from "../type/UFixed.sol";
-import {Blocknumber, blockNumber} from "../type/Blocknumber.sol";
-import {ObjectType, INSTANCE, PRODUCT, POOL, APPLICATION, POLICY, CLAIM, BUNDLE} from "../type/ObjectType.sol";
-import {SUBMITTED, ACTIVE, KEEP_STATE, DECLINED, CONFIRMED, CLOSED, PAID} from "../type/StateId.sol";
-import {NftId, NftIdLib, zeroNftId} from "../type/NftId.sol";
-import {Fee, FeeLib} from "../type/Fee.sol";
-import {ReferralId} from "../type/Referral.sol";
-import {RiskId} from "../type/RiskId.sol";
-import {StateId} from "../type/StateId.sol";
 import {ClaimId, ClaimIdLib} from "../type/ClaimId.sol";
-import {PayoutId, PayoutIdLib} from "../type/PayoutId.sol";
-import {Version, VersionLib} from "../type/Version.sol";
-
-import {ComponentService} from "../shared/ComponentService.sol";
+import {ContractLib} from "../shared/ContractLib.sol";
+import {FeeLib} from "../type/Fee.sol";
 import {InstanceReader} from "../instance/InstanceReader.sol";
-import {IBundleService} from "../pool/IBundleService.sol";
-import {IClaimService} from "./IClaimService.sol";
-import {IPoolService} from "../pool/IPoolService.sol";
-import {IService} from "../shared/IService.sol";
+import {InstanceStore} from "../instance/InstanceStore.sol";
+import {NftId} from "../type/NftId.sol";
+import {ObjectType, COMPONENT, CLAIM, POLICY, POOL, PRODUCT} from "../type/ObjectType.sol";
+import {PayoutId, PayoutIdLib} from "../type/PayoutId.sol";
 import {Service} from "../shared/Service.sol";
+import {StateId} from "../type/StateId.sol";
+import {SUBMITTED, KEEP_STATE, DECLINED, REVOKED, CANCELLED, CONFIRMED, CLOSED, EXPECTED, PAID} from "../type/StateId.sol";
+import {TimestampLib} from "../type/Timestamp.sol";
 
 
 contract ClaimService is 
-    ComponentService, 
+    Service, 
     IClaimService
 {
 
+    IPolicyService internal _policyService;
     IPoolService internal _poolService;
 
     function _initialize(
@@ -62,21 +42,17 @@ contract ClaimService is
         virtual override
         initializer()
     {
-        // TODO check this, might no longer be the way, refactor if necessary
-        address registryAddress;
-        address initialOwner;
-        (registryAddress, initialOwner) = abi.decode(data, (address, address));
+        (
+            address authority,
+            address registry
+        ) = abi.decode(data, (address, address));
 
-        initializeService(registryAddress, address(0), owner);
+        __Service_init(authority, registry, owner);
 
+        _policyService = IPolicyService(getRegistry().getServiceAddress(POLICY(), getVersion().toMajorPart()));
         _poolService = IPoolService(getRegistry().getServiceAddress(POOL(), getVersion().toMajorPart()));
 
-        registerInterface(type(IClaimService).interfaceId);
-    }
-
-
-    function getDomain() public pure override returns(ObjectType) {
-        return CLAIM();
+        _registerInterface(type(IClaimService).interfaceId);
     }
 
     function submit(
@@ -86,11 +62,15 @@ contract ClaimService is
     )
         external
         virtual
+        // nonReentrant() // prevents creating a reinsurance claim in a single tx
+        restricted()
         returns (ClaimId claimId)
     {
+        // checks
         (
-            IInstance instance,
-            InstanceReader instanceReader,
+            ,
+            IInstance instance,,
+            InstanceStore instanceStore,
             IPolicy.PolicyInfo memory policyInfo
         ) = _verifyCallerWithPolicy(policyNftId);
 
@@ -99,33 +79,28 @@ contract ClaimService is
             revert ErrorClaimServicePolicyNotOpen(policyNftId);
         }
 
-        // check policy including this claim is still within sum insured
-        if(policyInfo.payoutAmount + claimAmount > policyInfo.sumInsuredAmount) {
-            revert ErrorClaimServiceClaimExceedsSumInsured(
-                policyNftId, 
-                policyInfo.sumInsuredAmount,
-                AmountLib.toAmount(policyInfo.payoutAmount.toInt() + claimAmount.toInt()));
-        }
+        _checkClaimAmount(policyNftId, policyInfo, claimAmount);
 
+        // effects
         // create new claim
         claimId = ClaimIdLib.toClaimId(policyInfo.claimsCount + 1);
-        instance.getInstanceStore().createClaim(
+        instanceStore.createClaim(
             policyNftId, 
             claimId, 
-            IPolicy.ClaimInfo(
-                claimAmount,
-                AmountLib.zero(), // paidAmount
-                0, // payoutsCount
-                0, // openPayoutsCount
-                claimData, // claim submission data
-                "", // claim processing data
-                TimestampLib.zero())); // closedAt
+            IPolicy.ClaimInfo({
+                claimAmount: claimAmount,
+                paidAmount: AmountLib.zero(),
+                payoutsCount: 0,
+                openPayoutsCount: 0,
+                submissionData: claimData,
+                processData: "",
+                closedAt: TimestampLib.zero()}));
 
         // update and save policy info with instance
+        // policy claim amount is only updated when claim is confirmed
         policyInfo.claimsCount += 1;
         policyInfo.openClaimsCount += 1;
-        // policy claim amount is only updated when claim is confirmed
-        instance.getInstanceStore().updatePolicyClaims(policyNftId, policyInfo, KEEP_STATE());
+        instanceStore.updatePolicyClaims(policyNftId, policyInfo, KEEP_STATE());
 
         emit LogClaimServiceClaimSubmitted(policyNftId, claimId, claimAmount);
     }
@@ -139,26 +114,48 @@ contract ClaimService is
     )
         external
         virtual
+        // nonReentrant() // prevents creating a reinsurance claim in a single tx
     {
+        // checks
+        _checkNftType(policyNftId, POLICY());
+
         (
+            NftId productNftId,
             IInstance instance,
             InstanceReader instanceReader,
+            InstanceStore instanceStore,
             IPolicy.PolicyInfo memory policyInfo
         ) = _verifyCallerWithPolicy(policyNftId);
 
+        _checkClaimAmount(policyNftId, policyInfo, confirmedAmount);
+
+        // effects
         // check/update claim info
         IPolicy.ClaimInfo memory claimInfo = _verifyClaim(instanceReader, policyNftId, claimId, SUBMITTED());
         claimInfo.claimAmount = confirmedAmount;
         claimInfo.processData = data;
-        instance.getInstanceStore().updateClaim(policyNftId, claimId, claimInfo, CONFIRMED());
+        instanceStore.updateClaim(policyNftId, claimId, claimInfo, CONFIRMED());
 
         // update and save policy info with instance
         policyInfo.claimAmount = policyInfo.claimAmount + confirmedAmount;
-        instance.getInstanceStore().updatePolicyClaims(policyNftId, policyInfo, KEEP_STATE());
+        instanceStore.updatePolicyClaims(policyNftId, policyInfo, KEEP_STATE());
+
+        // should policy still be active it needs to become expired
+        if (policyInfo.claimAmount >= policyInfo.sumInsuredAmount) {
+            _policyService.expirePolicy(instance, policyNftId, TimestampLib.blockTimestamp());
+        }
 
         emit LogClaimServiceClaimConfirmed(policyNftId, claimId, confirmedAmount);
+
+        // interactions
+        // callback to pool if applicable
+        _processConfirmedClaimByPool(instanceReader, productNftId, policyNftId, claimId, confirmedAmount);
+
+        // callback to policy holder if applicable
+        _policyHolderClaimConfirmed(policyNftId, claimId, confirmedAmount);
     }
 
+
     function decline(
         NftId policyNftId, 
         ClaimId claimId,
@@ -166,10 +163,15 @@ contract ClaimService is
     )
         external
         virtual
+        // nonReentrant() // prevents creating a reinsurance claim in a single tx
     {
+        _checkNftType(policyNftId, POLICY());
+
         (
+            ,
             IInstance instance,
             InstanceReader instanceReader,
+            InstanceStore instanceStore,
             IPolicy.PolicyInfo memory policyInfo
         ) = _verifyCallerWithPolicy(policyNftId);
 
@@ -177,25 +179,60 @@ contract ClaimService is
         IPolicy.ClaimInfo memory claimInfo = _verifyClaim(instanceReader, policyNftId, claimId, SUBMITTED());
         claimInfo.processData = data;
         claimInfo.closedAt = TimestampLib.blockTimestamp();
-        instance.getInstanceStore().updateClaim(policyNftId, claimId, claimInfo, DECLINED());
+        instanceStore.updateClaim(policyNftId, claimId, claimInfo, DECLINED());
 
         // update and save policy info with instance
         policyInfo.openClaimsCount -= 1;
-        instance.getInstanceStore().updatePolicyClaims(policyNftId, policyInfo, KEEP_STATE());
+        instanceStore.updatePolicyClaims(policyNftId, policyInfo, KEEP_STATE());
 
         emit LogClaimServiceClaimDeclined(policyNftId, claimId);
     }
 
+
+    function revoke(
+        NftId policyNftId, 
+        ClaimId claimId
+    )
+        external
+        virtual
+        // nonReentrant() // prevents creating a reinsurance claim in a single tx
+    {        
+        (
+            ,
+            IInstance instance,
+            InstanceReader instanceReader,
+            InstanceStore instanceStore,
+            IPolicy.PolicyInfo memory policyInfo
+        ) = _verifyCallerWithPolicy(policyNftId);
+
+        // check/update claim info
+        IPolicy.ClaimInfo memory claimInfo = _verifyClaim(instanceReader, policyNftId, claimId, SUBMITTED());
+        claimInfo.closedAt = TimestampLib.blockTimestamp();
+        instanceStore.updateClaim(policyNftId, claimId, claimInfo, REVOKED());
+
+        // update and save policy info with instance
+        policyInfo.openClaimsCount -= 1;
+        instanceStore.updatePolicyClaims(policyNftId, policyInfo, KEEP_STATE());
+
+        emit LogClaimServiceClaimRevoked(policyNftId, claimId);
+    }
+
+
     function close(
         NftId policyNftId, 
         ClaimId claimId
     )
         external
         virtual
+        // nonReentrant() // prevents creating a reinsurance claim in a single tx
     {
+        _checkNftType(policyNftId, POLICY());
+        
         (
+            ,
             IInstance instance,
             InstanceReader instanceReader,
+            InstanceStore instanceStore,
             IPolicy.PolicyInfo memory policyInfo
         ) = _verifyCallerWithPolicy(policyNftId);
 
@@ -220,55 +257,54 @@ contract ClaimService is
         }
 
         claimInfo.closedAt = TimestampLib.blockTimestamp();
-        instance.getInstanceStore().updateClaim(policyNftId, claimId, claimInfo, CLOSED());
+        instanceStore.updateClaim(policyNftId, claimId, claimInfo, CLOSED());
     }
 
 
-    function createPayout(
+    function createPayoutForBeneficiary(
         NftId policyNftId, 
         ClaimId claimId,
         Amount amount,
+        address beneficiary,
         bytes memory data
     )
         external
+        virtual
+        // nonReentrant() // prevents creating a reinsurance claim in a single tx
         returns (PayoutId payoutId)
     {
-        (
-            IInstance instance,
-            InstanceReader instanceReader,
-            IPolicy.PolicyInfo memory policyInfo
-        ) = _verifyCallerWithPolicy(policyNftId);
-
-        IPolicy.ClaimInfo memory claimInfo = instanceReader.getClaimInfo(policyNftId, claimId);
-        StateId claimState = instanceReader.getClaimState(policyNftId, claimId);
-
-        // TODO add checks
-        // claim needs to be open
-        // claim.paidAmount + amount <= claim.claimAmount
+        if (beneficiary == address(0)) {
+            revert ErrorClaimServiceBeneficiaryIsZero(policyNftId, claimId);
+        }
 
-        // check/update claim info
-        // create payout info with instance
-        uint8 claimNo = claimInfo.payoutsCount + 1;
-        payoutId = PayoutIdLib.toPayoutId(claimId, claimNo);
-        instance.getInstanceStore().createPayout(
+        return _createPayout(
             policyNftId, 
-            payoutId, 
-            IPolicy.PayoutInfo(
-                payoutId.toClaimId(),
-                amount,
-                data,
-                TimestampLib.zero()));
-
-        // update and save claim info with instance
-        claimInfo.payoutsCount += 1;
-        claimInfo.openPayoutsCount += 1;
-        instance.getInstanceStore().updateClaim(policyNftId, claimId, claimInfo, KEEP_STATE());
+            claimId, 
+            amount, 
+            beneficiary,
+            data);
+    }
 
-        // update and save policy info with instance
-        policyInfo.payoutAmount.add(amount);
-        instance.getInstanceStore().updatePolicyClaims(policyNftId, policyInfo, KEEP_STATE());
 
-        emit LogClaimServicePayoutCreated(policyNftId, payoutId, amount);
+    function createPayout(
+        NftId policyNftId, 
+        ClaimId claimId,
+        Amount amount,
+        bytes memory data
+    )
+        external
+        virtual
+        // nonReentrant() // prevents creating a reinsurance payout in a single tx
+        returns (PayoutId payoutId)
+    {
+        _checkNftType(policyNftId, POLICY());
+        
+        return _createPayout(
+            policyNftId, 
+            claimId, 
+            amount, 
+            address(0), // defaults to owner of policy nft
+            data);
     }
 
 
@@ -278,113 +314,197 @@ contract ClaimService is
     )
         external
         virtual
+        // nonReentrant() // prevents creating a reinsurance payout in a single tx
     {
+        // checks
         (
-            IInstance instance,
+            NftId productNftId,,
+            // IInstance instance,
             InstanceReader instanceReader,
+            InstanceStore instanceStore,
             IPolicy.PolicyInfo memory policyInfo
         ) = _verifyCallerWithPolicy(policyNftId);
 
-        // TODO add check that payout exists and is open
+        // check that payout exists and is open
         IPolicy.PayoutInfo memory payoutInfo = instanceReader.getPayoutInfo(policyNftId, payoutId);
+        StateId payoutState = instanceReader.getPayoutState(policyNftId, payoutId);
+        if(payoutState != EXPECTED()) {
+            revert ErrorClaimServicePayoutNotExpected(policyNftId, payoutId, payoutState);
+        }
+
+        // check that payout amount does not violate claim amount
+        IPolicy.ClaimInfo memory claimInfo = instanceReader.getClaimInfo(policyNftId, payoutId.toClaimId());
+        if(claimInfo.paidAmount + payoutInfo.amount > claimInfo.claimAmount) {
+            revert ErrorClaimServicePayoutExceedsClaimAmount(
+                policyNftId, 
+                payoutId.toClaimId(), 
+                claimInfo.claimAmount, 
+                claimInfo.paidAmount + payoutInfo.amount);
+        }
 
+        // effects
         // update and save payout info with instance
         payoutInfo.paidAt = TimestampLib.blockTimestamp();
-        instance.getInstanceStore().updatePayout(policyNftId, payoutId, payoutInfo, PAID());
+        instanceStore.updatePayout(policyNftId, payoutId, payoutInfo, PAID());
 
-        // TODO update and save claim info with instance
-        ClaimId claimId = payoutId.toClaimId();
+        // update and save claim info with instance
         Amount payoutAmount = payoutInfo.amount;
-        IPolicy.ClaimInfo memory claimInfo = instanceReader.getClaimInfo(policyNftId, claimId);
-        claimInfo.paidAmount = claimInfo.paidAmount.add(payoutAmount);
-        claimInfo.openPayoutsCount -= 1;
-
-        // check if this payout is closing the linked claim
-        // update claim and policy info accordingly
-        if(claimInfo.openPayoutsCount == 0 && claimInfo.paidAmount == claimInfo.claimAmount) {
-            claimInfo.closedAt == TimestampLib.blockTimestamp();
-            instance.getInstanceStore().updateClaim(policyNftId, claimId, claimInfo, CLOSED());
-
-            policyInfo.openClaimsCount -= 1;
-        } else {
-            instance.getInstanceStore().updateClaim(policyNftId, claimId, claimInfo, KEEP_STATE());
+        {
+            ClaimId claimId = payoutId.toClaimId();
+            IPolicy.ClaimInfo memory claimInfo = instanceReader.getClaimInfo(policyNftId, claimId);
+            claimInfo.paidAmount = claimInfo.paidAmount.add(payoutAmount);
+            claimInfo.openPayoutsCount -= 1;
+
+            // check if this payout is closing the linked claim
+            // update claim and policy info accordingly
+            if(claimInfo.openPayoutsCount == 0 && claimInfo.paidAmount == claimInfo.claimAmount) {
+                claimInfo.closedAt = TimestampLib.blockTimestamp();
+                instanceStore.updateClaim(policyNftId, claimId, claimInfo, CLOSED());
+
+                policyInfo.openClaimsCount -= 1;
+            } else {
+                instanceStore.updateClaim(policyNftId, claimId, claimInfo, KEEP_STATE());
+            }
         }
 
         // update and save policy info with instance
-        policyInfo.payoutAmount = policyInfo.payoutAmount.add(payoutAmount);
-        instance.getInstanceStore().updatePolicyClaims(policyNftId, policyInfo, KEEP_STATE());
+        policyInfo.payoutAmount = policyInfo.payoutAmount + payoutAmount;
+        instanceStore.updatePolicyClaims(policyNftId, policyInfo, KEEP_STATE());
 
-        // inform pool about payout
-        _poolService.reduceCollateral(instance, policyNftId, policyInfo, payoutAmount);
+        emit LogClaimServicePayoutProcessed(policyNftId, payoutId, payoutAmount);
 
-        // transfer payout token and fee
-        (
-            Amount netPayoutAmount,
-            address beneficiary
-        ) = _transferPayoutAmount(
+        // effects + interactions (push tokens to beneficiary, product)
+        // delegate to pool to update book keeping and moving tokens payout
+        _poolService.processPayout(
             instanceReader,
-            policyNftId,
-            policyInfo,
-            payoutInfo);
+            instanceStore, 
+            policyInfo.productNftId, // product nft id 
+            policyNftId, 
+            policyInfo.bundleNftId, 
+            payoutId,
+            payoutAmount,
+            payoutInfo.beneficiary);
+    }
 
-        // TODO callback IPolicyHolder
+    function cancelPayout(
+        NftId policyNftId, 
+        PayoutId payoutId
+    )
+        external
+        virtual
+    {
+        // checks
+        (
+            ,
+            IInstance instance,
+            InstanceReader instanceReader,
+            InstanceStore instanceStore,
+            IPolicy.PolicyInfo memory policyInfo
+        ) = _verifyCallerWithPolicy(policyNftId);
+
+        StateId payoutState = instanceReader.getPayoutState(policyNftId, payoutId);
+        if (payoutState != EXPECTED()) {
+            revert ErrorClaimServicePayoutNotExpected(policyNftId, payoutId, payoutState);
+        }
 
-        emit LogClaimServicePayoutProcessed(policyNftId, payoutId, payoutAmount, beneficiary, netPayoutAmount);
+        // effects
+        // update and save payout info with instance
+        instanceStore.updatePayoutState(policyNftId, payoutId, CANCELLED());
+
+        {
+            ClaimId claimId = payoutId.toClaimId();
+            IPolicy.ClaimInfo memory claimInfo = instanceReader.getClaimInfo(policyNftId, claimId);
+            claimInfo.openPayoutsCount -= 1;
+            instanceStore.updateClaim(policyNftId, claimId, claimInfo, KEEP_STATE());
+        }
+
+        emit LogClaimServicePayoutCancelled(policyNftId, payoutId);
     }
 
-    // TODO create (I)TreasuryService that deals with all gif related token transfers
-    function _transferPayoutAmount(
-        InstanceReader instanceReader,
+    // internal functions
+
+    function _checkClaimAmount(
         NftId policyNftId,
         IPolicy.PolicyInfo memory policyInfo,
-        IPolicy.PayoutInfo memory payoutInfo
+        Amount claimAmount
     )
         internal
-        returns (
-            Amount netPayoutAmount,
-            address beneficiary
-        )
+        pure
     {
-        Amount payoutAmount = payoutInfo.amount;
+        // check claim amount > 0
+        if (claimAmount.eqz()) {
+            revert ErrorClaimServiceClaimAmountIsZero(policyNftId);
+        }
+
+        // check policy including this claim is still within sum insured
+        if(policyInfo.claimAmount + claimAmount > policyInfo.sumInsuredAmount) {
+            revert ErrorClaimServiceClaimExceedsSumInsured(
+                policyNftId, 
+                policyInfo.sumInsuredAmount,
+                policyInfo.payoutAmount + claimAmount);
+        }
+    }
 
-        if(payoutAmount.gtz()) {
-            NftId productNftId = policyInfo.productNftId;
-            ISetup.ProductSetupInfo memory setupInfo = instanceReader.getProductSetupInfo(productNftId);
+    function _createPayout(
+        NftId policyNftId, 
+        ClaimId claimId,
+        Amount amount,
+        address beneficiary,
+        bytes memory data
+    )
+        internal
+        virtual
+        returns (PayoutId payoutId)
+    {
+        // checks
+        (
+            ,,
+            InstanceReader instanceReader,
+            InstanceStore instanceStore,
+            // IPolicy.PolicyInfo memory policyInfo
+        ) = _verifyCallerWithPolicy(policyNftId);
 
-            // get pool component info from policy or product
-            NftId poolNftId = getRegistry().getObjectInfo(policyInfo.bundleNftId).parentNftId;
-            IComponents.ComponentInfo memory poolInfo = instanceReader.getComponentInfo(poolNftId);
+        IPolicy.ClaimInfo memory claimInfo = instanceReader.getClaimInfo(policyNftId, claimId);
 
-            netPayoutAmount = payoutAmount;
-            beneficiary = _getBeneficiary(policyNftId, payoutInfo.claimId);
+        {
+            // check claim state
+            StateId claimState = instanceReader.getClaimState(policyNftId, claimId);
+            if (claimState != CONFIRMED()) {
+                revert ErrorClaimServiceClaimNotConfirmed(policyNftId, claimId, claimState);
+            }
 
-            if(FeeLib.gtz(setupInfo.processingFee)) {
-                // TODO calculate net payout and processing fees
-                // TODO transfer processing fees to product wallet
-                // TODO inform product to update fee book keeping
+            // check total payout amount remains within claim limit
+            Amount newPaidAmount = claimInfo.paidAmount + amount;
+            if (newPaidAmount > claimInfo.claimAmount) {
+                revert ErrorClaimServicePayoutExceedsClaimAmount(
+                    policyNftId, claimId, claimInfo.claimAmount, newPaidAmount);
             }
+        }
 
-            poolInfo.tokenHandler.transfer(
-                poolInfo.wallet,
-                beneficiary,
-                netPayoutAmount);
+        // effects
+        // create payout info with instance
+        uint24 payoutNo = claimInfo.payoutsCount + 1;
+        payoutId = PayoutIdLib.toPayoutId(claimId, payoutNo);
+        if (beneficiary == address(0)) {
+            beneficiary = getRegistry().ownerOf(policyNftId);
         }
-    }
 
-    // internal functions
+        instanceStore.createPayout(
+            policyNftId, 
+            payoutId, 
+            IPolicy.PayoutInfo({
+                claimId: payoutId.toClaimId(),
+                amount: amount,
+                beneficiary: beneficiary,
+                data: data,
+                paidAt: TimestampLib.zero()}));
 
-    function _getBeneficiary(
-        NftId policyNftId,
-        ClaimId claimId
-    )
-        internal
-        returns (address beneficiary)
-    {
-        // TODO check if owner is IPolicyHolder
-        // if so, obtain beneficiary from this contract
+        // update and save claim info with instance
+        claimInfo.payoutsCount += 1;
+        claimInfo.openPayoutsCount += 1;
+        instanceStore.updateClaim(policyNftId, claimId, claimInfo, KEEP_STATE());
 
-        // default beneficiary is policy nft owner
-        beneficiary = getRegistry().ownerOf(policyNftId);
+        emit LogClaimServicePayoutCreated(policyNftId, payoutId, amount, beneficiary);
     }
 
 
@@ -392,15 +512,19 @@ contract ClaimService is
         NftId policyNftId
     )
         internal
+        view
+        virtual
         returns (
+            NftId productNftId,
             IInstance instance,
             InstanceReader instanceReader,
+            InstanceStore instanceStore,
             IPolicy.PolicyInfo memory policyInfo
         )
     {
-        NftId productNftId;
-        (productNftId,, instance) = _getAndVerifyCallingComponentAndInstance(PRODUCT());
+        (productNftId, instance) = _getAndVerifyActiveComponent(PRODUCT());
         instanceReader = instance.getInstanceReader();
+        instanceStore = instance.getInstanceStore();
 
         // check caller(product) policy match
         policyInfo = instanceReader.getPolicyInfo(policyNftId);
@@ -411,6 +535,29 @@ contract ClaimService is
         }
     }
 
+
+    function _getAndVerifyActiveComponent(ObjectType expectedType) 
+        internal 
+        view 
+        returns (
+            NftId productNftId,
+            IInstance instance
+        )
+    {
+        (
+            IRegistry.ObjectInfo memory info,
+            address instanceAddress
+        ) = ContractLib.getAndVerifyComponent(
+            getRegistry(),
+            msg.sender, // caller
+            PRODUCT(),
+            true); // isActive 
+
+        // get component nft id and instance
+        productNftId = info.nftId;
+        instance = IInstance(instanceAddress);
+    }
+
     function _verifyClaim(
         InstanceReader instanceReader,
         NftId policyNftId, 
@@ -434,9 +581,52 @@ contract ClaimService is
         claimInfo = instanceReader.getClaimInfo(policyNftId, claimId);
     }
 
-    function _getAndVerifyInstanceAndProduct() internal view returns (Product product) {
-        IRegistry.ObjectInfo memory productInfo;
-        (, productInfo,) = _getAndVerifyCallingComponentAndInstance(PRODUCT());
-        product = Product(productInfo.objectAddress);
+    function _processConfirmedClaimByPool(
+        InstanceReader instanceReader, 
+        NftId productNftId, 
+        NftId policyNftId, 
+        ClaimId claimId, 
+        Amount amount
+    )
+        internal
+    {
+        NftId poolNftId = instanceReader.getProductInfo(productNftId).poolNftId;
+        if (instanceReader.getPoolInfo(poolNftId).isProcessingConfirmedClaims) {
+            address poolAddress = getRegistry().getObjectAddress(poolNftId);
+            IPoolComponent(poolAddress).processConfirmedClaim(policyNftId, claimId, amount);
+        }
+    }
+
+
+    function _policyHolderClaimConfirmed(
+        NftId policyNftId, 
+        ClaimId claimId,
+        Amount confirmedAmount
+    )
+        internal
+    {
+        IPolicyHolder policyHolder = _getPolicyHolder(policyNftId);
+        if(address(policyHolder) != address(0)) {
+            policyHolder.claimConfirmed(policyNftId, claimId, confirmedAmount);
+        }
+    }
+
+    // TODO: move to policy helper lib or something
+    function _getPolicyHolder(NftId policyNftId)
+        internal 
+        view 
+        returns (IPolicyHolder policyHolder)
+    {
+        address policyHolderAddress = getRegistry().ownerOf(policyNftId);
+        policyHolder = IPolicyHolder(policyHolderAddress);
+
+        if (!ContractLib.isPolicyHolder(policyHolderAddress)) {
+            policyHolder = IPolicyHolder(address(0));
+        }
+    }
+
+
+    function _getDomain() internal pure override returns(ObjectType) {
+        return CLAIM();
     }
 }