1. Model the following business process for handling down payments: The process for handling down payments starts when a request for payment has been approved. It involves entering the down payment request into the system, the automatic subsequent payment, emission of the direct invoice and the clearance of the vendor line items. The clearing of the vendor line items can result in a debit or credit balance. In case of debit balance, the arrears are processed, otherwise the remaining balance is paid.

2. Model the following business process for assessing credit risks: When a new credit request is received, the risk is assessed. If the risk is above a threshold, an advanced risk assessment needs to be carried out, otherwise a simple risk assessment will suffice. Once the assessment has been completed, the customer is notified with the result of the assessment and meantime the disbursement is organized. For simplicity, assume that the result of an assessment is always positive.

3. Model the following business process. Use pools/lanes where needed: The motor claim handling process starts when a customer submits a claim with the relevant documentation. The notification department at the car insurer checks the documents upon completeness and registers the claim. Next, the Handling department picks up the claim and checks the insurance. Then, an assessment is performed. If the assessment is positive, auto repair garage is called to authorize the repairs and the payment is scheduled (in this order). Otherwise, the claim is rejected. In any case (whether the outcome is positive or negative), a letter is sent to the customer and the process is considered to be complete.

Please use Signavio to model (BPMN 2.0) the following three processes show the 3 diagrams.