1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
|
\section{KYC process}
\begin{figure}[h!]
\begin{sequencediagram}
\newinst{wallet}{\shortstack{Customer \\
\\ \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]{kyc}{\shortstack{KYC 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]{wallet}{{Initial action}}{exchange}
\begin{callself}{exchange}{Establish KYC requirement}{}
\end{callself}
\mess[0]{exchange}{Request new KYC process}{kyc}
\mess[0]{kyc}{{Process identifier (PI)}}{exchange}
\mess[0]{exchange}{{KYC required (PI)}}{wallet}
\mess[0]{wallet}{{KYC start (PI)}}{kyc}
\mess[0]{kyc}{{Request identity documentation}}{wallet}
\mess[0]{wallet}{{Upload identity documentation}}{kyc}
\begin{callself}{kyc}{Validate documentation}{}
\end{callself}
\mess[0]{kyc}{{Share documentation (PI)}}{exchange}
\mess[0]{kyc}{{Confirm completion}}{wallet}
\mess[0]{wallet}{{Retry action}}{exchange}
\end{sequencediagram}
\caption{Deposit interactions between customer, Taler exchange (payment
service provider) and external KYC provider. The process can be
triggered by various {\em actions} described in Chapter~\ref{chap:triggers}.}
\label{fig:proc:kyc}
\end{figure}
At the beginning of the KYC process, the user needs to specify whether they
are an {\bf individual} or a {\bf business}.\footnote{ In practice, we expect
most wallet-users to be individuals, but in principle a wallet could be owned
by a business.} This then determines which types of attributes are collected
in the KYC process (Table~\ref{table:proc:kyc:individual} vs.
Table~\ref{table:proc:kyc:business}).
\begin{table}
\caption{Information collected for individuals}
\label{table:proc:kyc: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 \\
\end{tabular}
\end{center}
\end{table}
\begin{table}
\caption{Information collected for businesses}
\label{table:proc:kyc: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 \\ \hline
Contact person name & yes & Max Mustermann \\
Phone number & no & +41-123456789 \\
E-mail & yes & me@example.com \\
Identification document & yes & JPG image \\
Date of birth & yes & 1.1.1980 \\
Nationality & yes & Swiss \\ \hline
Power of attorney arrangement & yes & PDF file \\
\end{tabular}
\end{center}
\end{table}
|
