Trusted Beneficiary
This document is intended to provide a non-technical audience with an understanding of the Trusted beneficiary element in the end-user journey.
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For illustrative purposes the Canvas app has been used to demonstrate the end user functionality of the SDK.
The Trusted beneficiary workflow
The Trusted beneficiary end-user journey
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A customer can make a payee "trusted" – meaning subsequent payments to that payee do not require SCA. The act of making a payee trusted itself requires SCA and the payee must have been paid at least once before.
Step 1 – Customer logs in
The customer opens the app and logs in using 2FA SCA.
Step 2 – Select Payments
The customer selects the Payments options at the bottom of the screen and then selects Bank Payment.
Step 3 – List of payees displayed
A list of previous payees is displayed
Step 4 – Select the beneficiary
The customer selects a beneficiary from the list by pressing and holding the selected beneficiary until the radio button is displayed. There are two options here:
- Add trusted beneficiary
- Remove trusted beneficiary
Note: A displayed shield will indicate if the customer’s beneficiary is trusted or not trusted.
Step 5 – Submit the request
The customer selects the Submit button.
Step 6 – SCA required
The customer is required to perform SCA to verify the action. There are two potential SCA outcomes:
- Success – continue to Step 9 – Success – updated Payments screen displayed.
- Fail – continue to Step 7 – Other authentication/Account blocked/Retry SCA factor.
Step 7 – Other authentication/Account blocked/Retry SCA factor
- Success – continue to Step 9 – Success – updated Payments screen displayed.
- Other authentication – The customer is presented with alternative SCA action to complete the transaction – continue to Step 9 – Success – updated Payments screen displayed.
- Fail (maximum attempts exceeded will result in an Account Access blocked) – continue to Step 8 – Account Access blocked.
Step 8 – Account Access blocked
After exceeding the maximum number of SCA attempts, the customer is directed to the Account Access Blocked error screen – instructing them to ring customer services. See the login end-user journey.
Step 9 – Success – updated Payments screen displayed
The SCA has been successfully applied and the customer has completed the Trusted Beneficiary change – returning them to Bank Payment screen.