Business Enrollment

Use the feature to enroll your business into the banking application to view and manage your accounts online. The enrollment feature is for existing business customers of the bank who do not have any login credentials to access the accounts online. After you enroll into online banking and create a user name and password combination, you can sign in to the banking application from a computer, mobile device, or a tablet as applicable to access all your eligible accounts.

The business enrollment capability is provided to only authorized persons of a business and the application authenticates such users before allowing them to proceed with the enrollment. An authorized person (business owner) can enroll in business banking only after the authorized person has already connected with the bank and the bank has created and set up the business accounts. The bank captures the authorized person details in the core banking system (Infinity Transact), and then only the authorized person can self-enroll.

This section explains the customer-centric and account-centric business enrollment flows.

Menu path: On the sign in screen, click Enroll.

The application displays the screen to select the enrollment option.

Customer Centric Enrollment

The application has the capability to integrate with customer-centric core in Infinity Transact and allows for virtual business entities to be created by aggregating a set of customer IDs. Before enrolling, the authorized person must make sure that the company related details are already available in the core banking system to enable smooth verification of details during the enrollment process.

To enroll for business banking, follow these steps:

1. On the sign in screen, click Enroll.
   
   
   
2. On the Select an enrollment option screen, click Business Banking.
   
   
   
3. Enter the following details as a proof of identification. Make sure that you enter valid data. All fields are mandatory.
1. Enter the first name.
2. Enter the last name.
3. Enter your date of birth in MM/DD/YYYY format.
4. Enter your nine-digit Social Security Number (SSN)/National Identification Number.
5. Click Continue. The Continue button is enabled only if all valid details are entered.
   
   
   
4. The application displays the screen to enter the company details and verify. All fields are mandatory.
   1.  Follow any one of the following methods:
      • Method 01: Enter the customer information file (CIF) number.
      • Method 02: Enter the registered company name and tax identification number.
   2. Click Continue. The Continue button is enabled only if the required values are entered.
      
5. The application verifies the information with the information stored in the core banking system (Infinity Transact) to ensure the following:
   • A business customer is already created and set up.
   • The person who is trying to enroll is an authorized person associated with the business.
   • If the details do not match with the records available with the bank, the application displays an appropriate message to contact the bank for assistance in enrolling the business.
     
     
     
6. If the verification is successful, complete the second factor of authentication for security reasons. Do the following:
   1. The secure access code is sent to your registered phone number and email ID. Enter the secure access code. In case you have not received the OTP, use the Resend Code option to receive the OTP again.
   2. Click Verify. If the entered code is correct, the application displays the screen to verify the company and business accounts details.
      
      
      

   NOTE: If you enter an incorrect OTP or do not provide any OTP response, the application requests you to enter the correct OTP. If you enter an incorrect response more than five times (configurable), the application displays an error message and navigates you back to the Sign In screen. Click Next. The app displays an alert if any information is incorrect and prompts you to enter the correct information. 

7. After the code is successfully verified, the application displays the screen to verify the company and business accounts details.
   • Company Details: Company name, Tax ID, and CIF number.
   • Business Accounts: The list of applicable business accounts with the company with details such as account name, account number, and account type. Select the required accounts for which you want the online banking facility.
   • Click Continue.
     
     
     
8. The application provides an option to add another company in the enrollment flow and displays a screen asking if you want to add another company. Adding another company in the enrollment flow allows for an aggregation of multiple companies by which business users can have a combined view of the accounts associated with multiple companies and be able to centrally manage the users, authorizations, and beneficiaries for the two companies.
   • Click Yes, if you want to add another company. The application navigates to the company details screen where you will enter the details of the aggregated business entity.
   • Click No to continue the enrollment flow.
     
     
     
9. The application displays the Domain Details screen. Do the following:
   1. Domain Name: The domain name or the company name is pre-populated in the field, if you have not aggregated multiple companies. If you are enrolling for multiple businesses, then you must enter the domain name.
   2. Select the Type of Domain from the list (for example, Sole Proprietor, Trust, Corporation). The domain types are configurable.
   3. Select your role in the company from the list. The roles are configurable through Spotlight application.
   4. Click Continue.
      
      
      
10. The application displays the Select Services screen. The services are applicable to all the added accounts.
    • All Available Services: Clear or select the required services from the list of available services as required. By default, all the services are selected.
    • Default Services: The list of default or mandatory services that are available to all businesses enrolling for online banking access and are applicable to all selected accounts.
    • Add New Company: Click to add a new company.
    • Click Continue.
      
      
      
11. The application displays the submit application screen where you can review the details that you have entered so far.
    • User Details: Displays the full name, date of birth, and the social security number.
    • Company Details: Click the down arrow to view the company details.
    • Domain Details: Click Edit to modify the details as required.
    • Selected Services: Click Edit to modify the details as required.
    • Click Submit. By submitting the application, it is understood that the user has read and accepts all the terms and condition.
12. The application displays an acknowledgment screen with a unique reference number depending on the auto approval option for business enrollment (approval configuration set up in the Spotlight application). Accordingly, an email is triggered to your email address with instructions.
    • Acknowledgment message:
      • Auto approval: If this method is enabled, the acknowledgment screen shows the message, "Your application for enrollment is submitted successfully. You will receive an email with instructions to set up your credentials".
      • FI/Bank approved: If this method is enabled, the acknowledgment screen shows the message, "Your application for enrollment is submitted successfully. You will receive an email with further instructions after the verification is complete".
    • The following details are displayed on the acknowledgment screen:
      • User details
      • Company details
      • Business accounts
      • Selected services
    • Click Back to Login to go to the sign in screen.
    • Click the download icon to download the acknowledgment screen details.
    • Click the print icon to print the acknowledgment screen details.

    
    
    

Accounts Centric Enrollment

The application has the capability to allow for virtual business entities to be created by aggregating a set of account numbers. Before enrolling, the authorized person must make sure that the accounts numbers and account owner details are already available in the core banking system to enable smooth verification of details during the enrollment process.

To enroll for online business banking, follow these steps:

1. On the sign in screen, click Enroll.
   
   
   
2. On the Select an enrollment option screen, click Business Banking.
   
   
   
3. Enter the following details as a proof of identification. Make sure that you enter valid data because the application will verify the details that you enter here with the details available in the core banking system. All fields are mandatory.
1. First Name
2. Middle Name. It is optional.
3. Last Name.
4. Enter your date of birth in MM/DD/YYYY format.
5. Email address.
6. Mobile Phone Number.
7. Enter your nine-digit Social Security Number (SSN)/National Identification Number.
8. Click Continue. The Continue button is enabled only if all valid details are entered.
   
   
   
4. The application displays the screen to enter the company details. All fields are mandatory.
   1. Company Name
   2. Type of Organization. Select the type of organization you are enrolling from the list. The list items are fetched from the Spotlight application. The options are:
   3. Your Role in the Company. Select from the list. The list items are fetched from the Spotlight application.
   4. Email Address of the company.
   5. Telephone Number
   6. Tax ID
   7. FAX number. It is optional.
   8. Company Address with Country, State, City name, and Zip code.
   9. Click Continue. The Continue button is enabled only if the required values are entered.
      
5. The application displays the Add Business Accounts screen where you must enter the accounts that are associated with the company.
   
   
   
   1. Enter the Account Holder name.
   2. Enter a valid Account Number.
   3. Click Add Account. The button is enabled only when all the details are entered.
   4. The application verifies the information with the information stored in the core banking system to ensure the following:
      • The account details provided are valid.
      • The account holder/joint account holder details (Last Name, Date of Birth, and SSN) are the same as that provided by the user while enrolling.
      • If the details do not match with the records available with the bank, the application displays an appropriate message to contact the bank for assistance in enrolling the business.
   5. If the verification is successful, complete the second factor of authentication for security reasons. Do the following:
      • The application displays the registered phone and email to send the secure access code for further verification. Click Continue.
        
        
        
      • The secure access code is sent to your registered phone number and email ID. Enter the secure access code. In case you have not received the OTP, use the Resend Code option to receive the OTP again.
      • Click Verify. If the entered code is correct, the application displays a screen that the account has been added successfully.
        
        
        
   6. The account is added to the Added Accounts section.
   7. Repeat the procedure to add as many valid accounts that are associated with the company. For each of the account that is added, follow the verification procedure.
   8. Use the sort option if required. Click Remove to remove any account from the list.
   9. After all the accounts have been added, Click Continue.
6. The application displays the Select Services screen. The services are applicable to all the added accounts.
   
   
   
   • All Available Services: Clear or select the required services from the list of available services as required. By default, all the services are selected.
   • Default Services: The list of default or mandatory services that are made available to all businesses enrolling for online banking access and are applicable to all selected accounts.
   • Click Continue.
7. The application displays the submit application screen where you can review the details that you have entered so far.
   
   
   
   1. Click the Edit link to modify the following details:
      • Company Details
      • Business Accounts
      • Selected Services
        
        
        
   2. After modifying the details, click Save & Update.
8. After modifying and verifying the details, click Submit. By submitting the application, it is understood that the user has read and accepts all the terms and condition.
9. The application displays an acknowledgment screen with a unique reference number depending on the auto approval option for business enrollment (approval configuration set up in the Spotlight application). Accordingly, an email is triggered to your email address with instructions.
   • Acknowledgment message:
     • Auto approval: If this method is enabled, the acknowledgment screen shows the message, "Your application for enrollment is submitted successfully. You will receive an email with instructions to set up your credentials".
     • FI/Bank approved: If this method is enabled, the acknowledgment screen shows the message, "Your application for enrollment is submitted successfully. You will receive an email with further instructions after the verification is complete".
   • The following details are displayed on the acknowledgment screen:
     • User details
     • Company details
     • Business accounts that were added for online banking.
     • Selected services
   • Click Back to Login to navigate to the sign in screen.
   • Click the print icon to print the acknowledgment screen details.
     
     

Configuration

Enrolling capability

Providing the enrollment capability to retail and business banking is managed the Spotlight application.

Enrollment status

A user's enrollment status is visible in the Spotlight application. In case the user has not enrolled yet, the bank employee has an option to send an enrollment link to the business user.  

Auto approval option

The auto approval option for business enrollment approval is configured in the Spotlight application - Configurations > Business Configurations > Business Banking Configurations.

• Configuration name: Business Enrollment Approvals
• This configuration allows the FI to choose whether they want to auto-approve all business enrollment requests from the business banking application or want to review them before approving them and creating a company.
• The application indicates the current configuration that is enabled.
• The user has only one action, choose whether to enable or disable the approval flow. On selecting the action, the application asks for confirmation to change the approval flow.
• For the out-of-the-box application, the default setting is auto-approval.

Type of Organization

The list items (Sole Proprietor, Partnership, Trust and more) are configurable in the Spotlight application.

Role in Company

The list items (Administrator, Authorizer, and more) are configurable in the Spotlight application.

Configuration to support core type

This is a deployment time configuration maintained in the application table of DBX DB. This configuration allows to switch the core type between Account Centric and Customer Centric flows for business enrollment. Based on the configuration defined, the appropriate fields are available in the Business Enrollment form in the business banking application.

• Database: DBXDB
• Table: application
• Field: isAccountCentricCore
• Value: 1 (default value)
  • 1 - Account centric flow
  • 0 - Customer centric flow

For the out-of-the-box application, the application maintains both types of sample core data for user experience.

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APIs

The following APIs are shipped as part of this feature:

API	Description
AccountType	Fetches the list of account types.
checkIfCompanyExists	Checks for authorized signatory and company availability in DBX.
createOrganization	Creates an organization in DBX. Additionally, the address, owner, accounts and membership data can also be created.
CreateSmallOrganizationEmployeeForAdmin
EditOrganizationEmployeeForAdmin
enrollOrganization	If the business enrollment is auto-approved and virtual company creation is successful, email is triggered to all the authorized signatories associated with the CIF (Customer-centric scenario) and Accounts (Account-centric scenario).
fetchAuthorizedSignatories	Fetches authorized signatories of a company.
getAccountCentricDetails
getAllAccounts	Fetches all matching accounts based on the search criteria.
getAllFeatures	Fetches the list of services/features at the FI Level.
getBusinessTypeRoles
getBusinessTypes	Fetches the list of business types.
getCompanyAccounts	Fetches the company details and accounts after OTP verification.
getCompanyDetails	Fetches the company details for business enrollment from Spotlight.
getCustomerTermsAndConditionsPreLogin
getDbxOrganizationDetails	Fetches the Organization details based on ID, email, and name.
getDbxOrganizationUsers	Retrieves the details of all the corporate users registered for a DBX organization.
getListOfOrganizationsByStatus	Fetches the list of organizations which are pending for approval.
getOrganizationAccounts	Retrieves the list of accounts assigned to an organization.
getOrganizationAccountsHolderDetails
getOrganizationBusinessTypeSignatories
IsEmailLinkActive
requestEnrollOTP	Initiates the MFA process or fetches additional parameters required to initiate the MFA process. This service is invoked in pre-login flows like password reset and user enrollment.
SetOrgEmployeePassword
updateOrganization	Updates the details of an organization.
updateOrganizationStatus	Rejects the organizations which are pending for approval.
verifyOTPPreLogin	Validates and verifies the OTP passed in from the application for the given pre-login scenario like reset password or user enrollment.