ZymPay Retail flow diagrams v1.1 презентация

In ZymPay login credentials are created

“Thank you for Registering” on-screen message

‘Register now’

Customer account is created with 17 digit Unique Customer Number (pre fix with calling code)

Verification link sent to customer’s registered email address along with Unique Customer Number

Verification link is valid for 30 days. Customer receives alert message on Day-10, Day-20 and Day-29

ZymPay validates the customer information & update customer status as ‘ Verified’

Customer logs on to ZymPay & start full application process.

Customer access ZymPay.com

Customer prompted to ‘Contact Customer Service’

yes

No

Customer follows the verification link in their email

Same email account used twice for verification?

Yes

In ZymPay login credentials are created

“Thank you for Registering” on-screen message

‘Register now’

Customer account is created with 17 digit Unique Customer Number (pre fix with calling code)

Verification link sent to customer’s registered email address along with Unique Customer Number

Verification link is valid for 30 days. Customer receives alert message on Day-10, Day-20 and Day-29

ZymPay validates the customer information & update customer status as ‘ Verified’

Customer is ready to access ZymPay & start full application process.

Customer downloads ZymPay App

Customer prompted to ‘Contact Customer Service’

yes

No

Customer follows the verification link in their email

Same email account used twice for verification?

Yes

‘Apply here’

Application process

Step 1: Submit/ confirm Customer Identity Document

Step 3: POF required if pre-paid debit selected and limit of £400 to be exceeded last 30 days

Step 2 : Recipient details

Summary page presented for customer to check & confirm

Thank you Page

Email Alert sent to customer

Customer Status
“Awaiting Approval”

KYC

AML

If sanction check pass

Sanction Flag Set to True in ZymPay

Sanction Flag set to False in ZymPay

Set false to sanction check flag and
User status changed to Awaiting Approval

Zympay Performs manual Check

User completed registration - Status “Awaiting Approval”

Manual check

Pass

Fail

Report to API

ZymPay sends image of Customer passport for Customer ID validation process.

ID Validator receives the image and starts the validation process

If ID Verification pass

If ID Verification fails

ZymPay Performs additional data check manually

If pass, Data Validation flag set to true

Unreadable document

Fraudulent document

Application declined and incident reported to API

Customer prompted to Re-upload

Perform Beneficiary Sanction Check

If Beneficiary check pass

Sanction check flag is set true

If Beneficiary check fails

ZymPay performs manual check

IF pass

IF fails

User should add a new beneficiary and the user status changed to Awaiting Approval

Sanction Flag set to False

Uploads file and send alert to Card fulfillment company by 6.01 incl [t0]

Card fulfillment company print cards based on file and confirms all cards printed and dispatched by 3pm for next day delivery guarantee.

By 4pm customer receive email stating that card is due the following day. This email also includes activation code.

Automatically uploaded in ZymPay - tbc

ZymPay runs card activation reports and contacts customers after t2, t5, t15, t20 & t29

1.5 Card Issuing Process

Along with the card, the customer receives a letter prompting to activate the card.

Activation ‘open’ for 30 days. Reminder sent to customer t+2, t+5, t+15,t+20,t+29.

Customer’s card gets activated with a thank you message and the status is set as active.

Customer is ready to
Transfer money Online

Automatically prompted to activate card

Customer enters the ZymPay card number and the activation code

Customer log into his account in ZymPay.com

If activation code has been missed , then the customer can request to send a new code once again, only by SMS.

ZymPay request-Name, Address, Customer reference Number

Customer Authentication Process

ZymPay Operators sets the card status to ‘lost or stolen’ and loops call

Auto-email is triggered to customer to confirm on the card status also informs that ‘new card will be issued in next 48hrs’

Start Card Allocation Process
(Customer details be picked and sent as the part of New Customer Allocation Process cut off @3pm)

Card Lost / Stolen

Zympay triggers the security question as,
Address
DOB
Security Q 1
Security Q2
Mobile Number
Email Address
Among these 3 out of 5 questions must be valid

The Card is deactivated (by pressing the Suspend Button)

If Customer is Identified in the sanction list ZymPay commences Step 1 manual review to remove any false Positives.

Email sent to customer stating account has been closed (message tbc)

Customer account flagged closed & data kept on file

End Process

If API post manual checks recommends to close due account, ZymPay flags customer as ‘Under review’

API real time to IDL, requesting to deactivate card

Step-2 is to escalate matter to the operating manager who in turn escalates to API (City Forex) after logging decision and reason code.

Automatic email sent to customer

ZymPay Operations ask reason to customer for account closure & enter the reason Code

Customer account flagged as “closed”.

Real time API sent to IDL requesting to deactivate the Card.

Checks whether any outstanding transactions in system

Customer data kept on file & ordered

2.3 Close Account – Customer Prompt

End Process

Customer Authentication Process (see 2.2)

1. MT

Selects payout method:
Bank transfer *
ZymCard
Cash collection

Specifies cash collection point if payout method is 3. cash collection. If payout method is 1. or 2. this is pre-registered with beneficiary

Specify the amount to be sent – in GBP or amount to be received – in local currency

Proceeds to payment:
Bank transfer
Card payment
Mobile wallet

If 1. Bank transfer session is saved and communication to customer where to transfer funds and within what time

Selects beneficiary

Reviews cart (up to six transactions in any one session)

If 2. card payment, customers selects between
1. Debit
2. Credit
3. Pre-paid Debit card

Customer received email with receipt of funds and transaction reference.

If 3. Pre-paid debit POF must be made available if amount send exceeds £400. Customer transferred to payment gateway and returned to ZymPay when payment completed. Email comm with receipt sent.

2. Bill payment

Selects beneficiary

If 2. existing bill previous transactions displayed and updated amount to be paid

If 1. new bill selects Country, Category, Service provider & Service + amount to be paid

Bank transfer
Card payment
Mobile wallet

If 1. Bank transfer session is saved and communication to customer where to transfer funds and within what time

Selects if 1. new or 2. existing bill

If 2. card payment, customers selects between
1. Debit
2. Credit
3. Pre-paid Debit card

Customer received email with receipt of funds and transaction reference.

If 3. Pre-paid debit POF must be made available if amount send exceeds £400. Customer transferred to payment gateway and returned to ZymPay when payment completed. Email comm with receipt sent.

Proceeds to payment