proc-kyc.tex (3960B)
1 \section{KYC process} 2 3 \begin{figure}[h!] 4 \begin{sequencediagram} 5 \newinst{wallet}{\shortstack{Customer \\ 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]{kyc}{\shortstack{KYC 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]{wallet}{{Initial action}}{exchange} 25 \begin{callself}{exchange}{Establish KYC requirement}{} 26 \end{callself} 27 \mess[0]{exchange}{Request new KYC process}{kyc} 28 \mess[0]{kyc}{{Process identifier (PI)}}{exchange} 29 \mess[0]{exchange}{{KYC required (PI)}}{wallet} 30 \mess[0]{wallet}{{KYC start (PI)}}{kyc} 31 \mess[0]{kyc}{{Request identity documentation}}{wallet} 32 \mess[0]{wallet}{{Upload identity documentation}}{kyc} 33 \begin{callself}{kyc}{Validate documentation}{} 34 \end{callself} 35 \mess[0]{kyc}{{Share documentation (PI)}}{exchange} 36 \mess[0]{kyc}{{Confirm completion}}{wallet} 37 \mess[0]{wallet}{{Retry action}}{exchange} 38 \end{sequencediagram} 39 \caption{Deposit interactions between customer, Taler exchange (payment 40 service provider) and external KYC provider. The process can be 41 triggered by various {\em actions} described in Chapter~\ref{chap:triggers}.} 42 \label{fig:proc:kyc} 43 \end{figure} 44 45 At the beginning of the KYC process, the user needs to specify whether they 46 are an {\bf individual} or a {\bf business}.\footnote{ In practice, we expect 47 most wallet-users to be individuals, but in principle a wallet could be owned 48 by a business.} This then determines which types of attributes are collected 49 in the KYC process (Table~\ref{table:proc:kyc:individual} vs. 50 Table~\ref{table:proc:kyc:business}). 51 52 \begin{table} 53 \caption{Information collected for individuals} 54 \label{table:proc:kyc:individual} 55 \begin{center} 56 \begin{tabular}{l|c|r} 57 {\bf Type} & {\bf Required} & {\bf Example} \\ \hline \hline 58 Surname & yes & Mustermann \\ 59 First name(s) & yes & Max \\ 60 Date of birth & yes & 1.1.1980 \\ 61 Nationality & yes & Swiss \\ 62 Actual address of domicile & yes & Seestrasse 3, 8008 Zuerich \\ 63 Phone number & no & +41-123456789 \\ 64 E-mail & no & me@example.com \\ 65 Identification document & yes & JPG image \\ 66 \end{tabular} 67 \end{center} 68 \end{table} 69 70 \begin{table} 71 \caption{Information collected for businesses} 72 \label{table:proc:kyc:business} 73 \begin{center} 74 \begin{tabular}{l|c|r} 75 {\bf Type} & {\bf Required} & {\bf Example} \\ \hline \hline 76 Company name & yes & Mega AG \\ 77 Registered office & yes & Seestrasse 4, 8008 Zuerich \\ 78 Company identification document & yes & PDF file \\ \hline 79 Contact person name & yes & Max Mustermann \\ 80 Phone number & no & +41-123456789 \\ 81 E-mail & yes & me@example.com \\ 82 Identification document & yes & JPG image \\ 83 Date of birth & yes & 1.1.1980 \\ 84 Nationality & yes & Swiss \\ \hline 85 Power of attorney arrangement & yes & PDF file \\ 86 \end{tabular} 87 \end{center} 88 \end{table}