proc-kyb.tex (4619B)
1 \section{KYB process} \label{sec:proc:kyb} 2 3 \begin{figure}[h!] 4 \begin{sequencediagram} 5 \newinst{merchant}{\shortstack{Merchant \\ 6 \\ \begin{tikzpicture} 7 \node [fill=gray!20,draw=black,thick,align=center] { Unique \\ Action}; 8 \end{tikzpicture} 9 }} 10 \newinst[2]{exchange}{\shortstack{Taler (exchange) \\ 11 \\ \begin{tikzpicture}[shape aspect=.5] 12 \tikzset{every node/.style={cylinder,shape border rotate=90, draw,fill=gray!25}} 13 \node at (1.5,0) {\shortstack{{{\tiny Database}}}}; 14 \end{tikzpicture} 15 }} 16 \newinst[2]{kyb}{\shortstack{KYB provider \\ 17 \\ \begin{tikzpicture}[shape aspect=.5] 18 \tikzset{every node/.style={cylinder,shape border rotate=90, draw,fill=gray!25}} 19 \node at (1.5,0) {\shortstack{{{\tiny Database}}}}; 20 \end{tikzpicture} 21 }} 22 23 \postlevel 24 \mess[0]{merchant}{{Initial action}}{exchange} 25 \begin{callself}{exchange}{Establish KYB requirement}{} 26 \end{callself} 27 \mess[0]{exchange}{Request new KYB process}{kyb} 28 \mess[0]{kyb}{{Process identifier (PI)}}{exchange} 29 \mess[0]{exchange}{{KYB required (PI)}}{merchant} 30 \mess[0]{merchant}{{KYB start (PI)}}{kyb} 31 \mess[0]{kyb}{{Request identity documentation}}{merchant} 32 \mess[0]{merchant}{{Upload identity documentation}}{kyb} 33 \begin{callself}{kyb}{Validate documentation}{} 34 \end{callself} 35 \mess[0]{kyb}{{Share documentation (PI)}}{exchange} 36 \mess[0]{kyb}{{Confirm completion}}{merchant} 37 \mess[0]{merchant}{{Retry action}}{exchange} 38 \end{sequencediagram} 39 \caption{Deposit interactions between customer, Taler exchange (payment 40 service provider) and external KYB provider. The process can be 41 triggered by various {\em actions} described in Chapter~\ref{chap:triggers}.} 42 \label{fig:proc:kyb} 43 \end{figure} 44 45 At the beginning of the KYB process, the user needs to specify whether they 46 are an {\bf individual} (not incorporated) or a {\bf business}.\footnote{In 47 practice, we expect most owners of bank accounts crossing the KYB threshold to 48 be businesses, but in principle such a bank account could be owned by an 49 individual operating a business without a separate legal entity.} This then 50 determines which types of attributes are collected in the KYB process 51 (Table~\ref{table:proc:kyb:individual} 52 vs. Table~\ref{table:proc:kyb:business}). 53 54 \begin{table} 55 \caption{Information collected for unincorporated individuals} 56 \label{table:proc:kyb:individual} 57 \begin{center} 58 \begin{tabular}{l|c|r} 59 {\bf Type} & {\bf Required} & {\bf Example} \\ \hline \hline 60 Surname & yes & Mustermann \\ 61 First name(s) & yes & Max \\ 62 Date of birth & yes & 1.1.1980 \\ 63 Nationality & yes & Swiss \\ 64 Actual address of domicile & yes & Seestrasse 3, 8008 Zuerich \\ 65 Phone number & no & +41-123456789 \\ 66 E-mail & no & me@example.com \\ 67 Identification document & yes & JPG image \\ 68 Taxpayer identification & yes & ZPV Nr. 253'123'456 \\ 69 \end{tabular} 70 \end{center} 71 \end{table} 72 73 74 \begin{table} 75 \caption{Information collected for businesses. Information on individals is 76 collected for owners with more than 25\% ownership and for those with 77 signature authority for the business.} 78 \label{table:proc:kyb:business} 79 \begin{center} 80 \begin{tabular}{l|c|r} 81 {\bf Type} & {\bf Required} & {\bf Example} \\ \hline \hline 82 Company name & yes & Mega AG \\ 83 Registered office & yes & Seestrasse 4, 8008 Zuerich \\ 84 Company identification document & yes & PDF file \\ 85 Power of attorney arrangement & yes & PDF file \\ 86 Business registration number & yes & \\ 87 Business registration document & yes & PDF file \\ 88 Registration authority & yes & \\ \hline 89 Authorized person name & yes & Max Mustermann \\ 90 Share/authorization certification & yes & PDF file \\ 91 Identification document & yes & JPG image \\ 92 Date of birth & yes & 1.1.1980 \\ 93 Nationality & yes & Swiss \\ 94 E-mail & yes & me@example.com \\ 95 Phone number & no & +41-123456789 \\ 96 \end{tabular} 97 \end{center} 98 \end{table}