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diff --git a/doc/flows/proc-kyb.tex b/doc/flows/proc-kyb.tex new file mode 100644 index 000000000..6c84f414c --- /dev/null +++ b/doc/flows/proc-kyb.tex @@ -0,0 +1,98 @@ +\section{KYB process} \label{sec:proc:kyb} + +\begin{figure}[h!] + \begin{sequencediagram} + \newinst{merchant}{\shortstack{Merchant \\ + \\ \begin{tikzpicture} + \node [fill=gray!20,draw=black,thick,align=center] { Unique \\ Action}; + \end{tikzpicture} + }} + \newinst[2]{exchange}{\shortstack{Taler (exchange) \\ + \\ \begin{tikzpicture}[shape aspect=.5] + \tikzset{every node/.style={cylinder,shape border rotate=90, draw,fill=gray!25}} + \node at (1.5,0) {\shortstack{{{\tiny Database}}}}; + \end{tikzpicture} + }} + \newinst[2]{kyb}{\shortstack{KYB provider \\ + \\ \begin{tikzpicture}[shape aspect=.5] + \tikzset{every node/.style={cylinder,shape border rotate=90, draw,fill=gray!25}} + \node at (1.5,0) {\shortstack{{{\tiny Database}}}}; + \end{tikzpicture} + }} + + \postlevel + \mess[0]{merchant}{{Initial action}}{exchange} + \begin{callself}{exchange}{Establish KYB requirement}{} + \end{callself} + \mess[0]{exchange}{Request new KYB process}{kyb} + \mess[0]{kyb}{{Process identifier (PI)}}{exchange} + \mess[0]{exchange}{{KYB required (PI)}}{merchant} + \mess[0]{merchant}{{KYB start (PI)}}{kyb} + \mess[0]{kyb}{{Request identity documentation}}{merchant} + \mess[0]{merchant}{{Upload identity documentation}}{kyb} + \begin{callself}{kyb}{Validate documentation}{} + \end{callself} + \mess[0]{kyb}{{Share documentation (PI)}}{exchange} + \mess[0]{kyb}{{Confirm completion}}{merchant} + \mess[0]{merchant}{{Retry action}}{exchange} +\end{sequencediagram} + \caption{Deposit interactions between customer, Taler exchange (payment + service provider) and external KYB provider. The process can be + triggered by various {\em actions} described in Chapter~\ref{chap:triggers}.} + \label{fig:proc:kyb} +\end{figure} + +At the beginning of the KYB process, the user needs to specify whether they +are an {\bf individual} (not incorporated) or a {\bf business}.\footnote{In +practice, we expect most owners of bank accounts crossing the KYB threshold to +be businesses, but in principle such a bank account could be owned by an +individual operating a business without a separate legal entity.} This then +determines which types of attributes are collected in the KYB process +(Table~\ref{table:proc:kyb:individual} +vs. Table~\ref{table:proc:kyb:business}). + +\begin{table} + \caption{Information collected for unincorporated individuals} + \label{table:proc:kyb:individual} + \begin{center} + \begin{tabular}{l|c|r} + {\bf Type} & {\bf Required} & {\bf Example} \\ \hline \hline + Surname & yes & Mustermann \\ + First name(s) & yes & Max \\ + Date of birth & yes & 1.1.1980 \\ + Nationality & yes & Swiss \\ + Actual address of domicile & yes & Seestrasse 3, 8008 Zuerich \\ + Phone number & no & +41-123456789 \\ + E-mail & no & me@example.com \\ + Identification document & yes & JPG image \\ + Taxpayer identification & yes & ZPV Nr. 253'123'456 \\ + \end{tabular} + \end{center} +\end{table} + + +\begin{table} + \caption{Information collected for businesses. Information on individals is + collected for owners with more than 25\% ownership and for those with + signature authority for the business.} + \label{table:proc:kyb:business} + \begin{center} + \begin{tabular}{l|c|r} + {\bf Type} & {\bf Required} & {\bf Example} \\ \hline \hline + Company name & yes & Mega AG \\ + Registered office & yes & Seestrasse 4, 8008 Zuerich \\ + Company identification document & yes & PDF file \\ + Power of attorney arrangement & yes & PDF file \\ + Business registration number & yes & \\ + Business registration document & yes & PDF file \\ + Registration authority & yes & \\ \hline + Authorized person name & yes & Max Mustermann \\ + Share/authorization certification & yes & PDF file \\ + Identification document & yes & JPG image \\ + Date of birth & yes & 1.1.1980 \\ + Nationality & yes & Swiss \\ + E-mail & yes & me@example.com \\ + Phone number & no & +41-123456789 \\ + \end{tabular} + \end{center} +\end{table} |