From 67262173a1f6922724fe2993707896c81c73cf91 Mon Sep 17 00:00:00 2001 From: Christian Grothoff Date: Sun, 2 Jul 2023 14:34:41 +0200 Subject: forgot to add KYB file --- doc/flows/proc-kyb.tex | 93 ++++++++++++++++++++++++++++++++++++++++++++++++++ 1 file changed, 93 insertions(+) create mode 100644 doc/flows/proc-kyb.tex (limited to 'doc/flows/proc-kyb.tex') diff --git a/doc/flows/proc-kyb.tex b/doc/flows/proc-kyb.tex new file mode 100644 index 00000000..fa7761b8 --- /dev/null +++ b/doc/flows/proc-kyb.tex @@ -0,0 +1,93 @@ +\section{KYB process} \label{sec:proc:kyb} + +\begin{figure}[h!] + \begin{sequencediagram} + \newinst{merchant}{\shortstack{Merchant \\ + \\ \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{KYB 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]{merchant}{{Initial action}}{exchange} + \begin{callself}{exchange}{Establish KYB requirement}{} + \end{callself} + \mess[0]{exchange}{Request new KYB process}{kyb} + \mess[0]{kyb}{{Process identifier (PI)}}{exchange} + \mess[0]{exchange}{{KYB required (PI)}}{merchant} + \mess[0]{merchant}{{KYB start (PI)}}{kyb} + \mess[0]{kyb}{{Request identity documentation}}{merchant} + \mess[0]{merchant}{{Upload identity documentation}}{kyb} + \begin{callself}{kyb}{Validate documentation}{} + \end{callself} + \mess[0]{kyb}{{Share documentation (PI)}}{exchange} + \mess[0]{kyb}{{Confirm completion}}{merchant} + \mess[0]{merchant}{{Retry action}}{exchange} +\end{sequencediagram} + \caption{Deposit interactions between customer, Taler exchange (payment + service provider) and external KYB provider. The process can be + triggered by various {\em actions} described in Chapter~\ref{chap:triggers}.} + \label{fig:proc:kyb} +\end{figure} + +At the beginning of the KYB process, the user needs to specify whether they +are an {\bf individual} (not incorporated) or a {\bf business}. This then +determines which types of attributes are collected in the KYB process +(Table~\ref{table:proc:kyb:individual} vs. Table~\ref{table:proc:kyb:business}). + +\begin{table} + \caption{Information collected for unincorporated individuals} + \label{table:proc:kyb: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 \\ + Taxpayer identification & yes & ZPV Nr. 253'123'456 \\ + \end{tabular} + \end{center} +\end{table} + + +\begin{table} + \caption{Information collected for businesses. Information on individals is + collected for owners with more than 25\% ownership and for those with + signature authority for the business.} + \label{table:proc:kyb: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 \\ + Power of attorney arrangement & yes & PDF file \\ + Business registration number & yes & \\ + Business registration document & yes & PDF file \\ + Registration authority & yes & \\ \hline + Contact person name & yes & Max Mustermann \\ + Identification document & yes & JPG image \\ + Date of birth & yes & 1.1.1980 \\ + Nationality & yes & Swiss \\ + E-mail & yes & me@example.com \\ + Phone number & no & +41-123456789 \\ + \end{tabular} + \end{center} +\end{table} -- cgit v1.2.3 From c6e3cba61dee3b9578d3adcee9c76b5c7ca60b02 Mon Sep 17 00:00:00 2001 From: Christian Grothoff Date: Sun, 2 Jul 2023 14:52:36 +0200 Subject: edits --- contrib/gana | 2 +- doc/flows/proc-kyb.tex | 12 ++++++++---- doc/flows/proc-kyc.tex | 10 +++++----- 3 files changed, 14 insertions(+), 10 deletions(-) (limited to 'doc/flows/proc-kyb.tex') diff --git a/contrib/gana b/contrib/gana index 31b74264..3e5591a7 160000 --- a/contrib/gana +++ b/contrib/gana @@ -1 +1 @@ -Subproject commit 31b74264e62c4a7f4a671033e214c43fa2f304c0 +Subproject commit 3e5591a7e3fd93ba46fc2b538c63f0c16336283d diff --git a/doc/flows/proc-kyb.tex b/doc/flows/proc-kyb.tex index fa7761b8..fa63976f 100644 --- a/doc/flows/proc-kyb.tex +++ b/doc/flows/proc-kyb.tex @@ -43,9 +43,13 @@ \end{figure} At the beginning of the KYB process, the user needs to specify whether they -are an {\bf individual} (not incorporated) or a {\bf business}. This then +are an {\bf individual} (not incorporated) or a {\bf business}.\footnote{ In +pratice, we expect most owners of bank accounts crossing the KYB threshold to +be businesses, but in principle such a bank account could be owned by an +individual operating a business without a separate legal entity.} This then determines which types of attributes are collected in the KYB process -(Table~\ref{table:proc:kyb:individual} vs. Table~\ref{table:proc:kyb:business}). +(Table~\ref{table:proc:kyb:individual} +vs. Table~\ref{table:proc:kyb:business}). \begin{table} \caption{Information collected for unincorporated individuals} @@ -77,7 +81,7 @@ determines which types of attributes are collected in the KYB process {\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 \\ + Company identification document & yes & PDF file \\ Power of attorney arrangement & yes & PDF file \\ Business registration number & yes & \\ Business registration document & yes & PDF file \\ @@ -85,7 +89,7 @@ determines which types of attributes are collected in the KYB process Contact person name & yes & Max Mustermann \\ Identification document & yes & JPG image \\ Date of birth & yes & 1.1.1980 \\ - Nationality & yes & Swiss \\ + Nationality & yes & Swiss \\ E-mail & yes & me@example.com \\ Phone number & no & +41-123456789 \\ \end{tabular} diff --git a/doc/flows/proc-kyc.tex b/doc/flows/proc-kyc.tex index 006a0556..c279052f 100644 --- a/doc/flows/proc-kyc.tex +++ b/doc/flows/proc-kyc.tex @@ -42,10 +42,11 @@ \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}. This -then determines which types of attributes are collected in the -KYC process (Table~\ref{table:proc:kyc:individual} vs. +At the beginning of the KYC process, the user needs to specify whether they +are an {\bf individual} or a {\bf business}.\footnote{ In pratice, 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} @@ -66,7 +67,6 @@ Table~\ref{table:proc:kyc:business}). \end{center} \end{table} - \begin{table} \caption{Information collected for businesses} \label{table:proc:kyc:business} -- cgit v1.2.3 From 2d5f0a87e0e336c6888adf878ae21613c384f89e Mon Sep 17 00:00:00 2001 From: Christian Grothoff Date: Sun, 2 Jul 2023 14:57:48 +0200 Subject: fix build --- doc/flows/int-pull.tex | 2 +- doc/flows/int-push.tex | 2 +- doc/flows/kyc-pull.tex | 2 +- doc/flows/kyc-push.tex | 2 +- doc/flows/main.de.tex | 10 +++++----- doc/flows/main.tex | 3 +++ doc/flows/proc-kyb.tex | 2 +- 7 files changed, 13 insertions(+), 10 deletions(-) (limited to 'doc/flows/proc-kyb.tex') diff --git a/doc/flows/int-pull.tex b/doc/flows/int-pull.tex index 8c9b66b1..1503ec0b 100644 --- a/doc/flows/int-pull.tex +++ b/doc/flows/int-pull.tex @@ -1,4 +1,4 @@ -\section{Pull payment (aka invoicing)} +\section{Pull payment (aka invoicing)} \label{sec:pull} \begin{figure}[h!] \begin{sequencediagram} diff --git a/doc/flows/int-push.tex b/doc/flows/int-push.tex index fd49e8d4..0d95d2df 100644 --- a/doc/flows/int-push.tex +++ b/doc/flows/int-push.tex @@ -1,4 +1,4 @@ -\section{Push payment} +\section{Push payment} \label{sec:push} \begin{figure}[h!] \begin{sequencediagram} diff --git a/doc/flows/kyc-pull.tex b/doc/flows/kyc-pull.tex index 57fcc3be..d131d130 100644 --- a/doc/flows/kyc-pull.tex +++ b/doc/flows/kyc-pull.tex @@ -1,4 +1,4 @@ -\section{KYC/AML: Pull Payment} +\section{KYC/AML: Pull Payment} \label{sec:kyc:pull} \begin{figure}[h!] \begin{center} diff --git a/doc/flows/kyc-push.tex b/doc/flows/kyc-push.tex index a42318f8..4cc09c18 100644 --- a/doc/flows/kyc-push.tex +++ b/doc/flows/kyc-push.tex @@ -1,4 +1,4 @@ -\section{KYC/AML: Push Payment} +\section{KYC/AML: Push Payment} \label{sec:kyc:push} \begin{figure}[h!] \begin{center} diff --git a/doc/flows/main.de.tex b/doc/flows/main.de.tex index 88fc3fac..5f224007 100644 --- a/doc/flows/main.de.tex +++ b/doc/flows/main.de.tex @@ -118,13 +118,13 @@ Das Taler-Bezahlsystem transferiert lediglich Gelder auf die bestehenden Bankkonten der Verk\"aufer, die f\"ur ihre G\"uterleistungen Zahlungen der Nutzer erhalten, f\"ur die bereits bei der \"Uberweisung von deren Kundenkonten eine KYC-Pr\"ufung erfolgte. Daher wird unseres Erachtens -der Betreiber eines Taler-Exchange keine Mittelherkunft verlangen bzw. +der Betreiber eines Taler-Exchange keine Mittelherkunft verlangen bzw. nachweisen m\"ussen -\footnote{Wenn Unternehmen das Taler-Bezahlsystem ihrerseits f\"ur -Zahlungen nutzen wollen, m\"ussen sie genauso wie alle anderen Nutzer -zuerst Geld von ihrem Bankkonto an einen Taler-Exchange \"uberweisen, +\footnote{Wenn Unternehmen das Taler-Bezahlsystem ihrerseits f\"ur +Zahlungen nutzen wollen, m\"ussen sie genauso wie alle anderen Nutzer +zuerst Geld von ihrem Bankkonto an einen Taler-Exchange \"uberweisen, eine KYC-Pr\"ufung absolvieren und dann ihr Wallet Coins abheben lassen. -F\"ur die gesch\"aftlichen K\"aufer gelten ebenfalls die Limits wie +F\"ur die gesch\"aftlichen K\"aufer gelten ebenfalls die Limits wie f\"ur alle anderen Nutzer.}. diff --git a/doc/flows/main.tex b/doc/flows/main.tex index 30d5fd3a..be7b884e 100644 --- a/doc/flows/main.tex +++ b/doc/flows/main.tex @@ -13,8 +13,11 @@ \author{Christian Grothoff} \title{Flows in the GNU Taler System} +\newcommand\CURRENCY{CHF} + \begin{document} +\maketitle \tableofcontents \chapter{Interactions} \label{chap:interactions} diff --git a/doc/flows/proc-kyb.tex b/doc/flows/proc-kyb.tex index fa63976f..d7cd6430 100644 --- a/doc/flows/proc-kyb.tex +++ b/doc/flows/proc-kyb.tex @@ -13,7 +13,7 @@ \node at (1.5,0) {\shortstack{{{\tiny Database}}}}; \end{tikzpicture} }} - \newinst[2]{kyc}{\shortstack{KYB provider \\ + \newinst[2]{kyb}{\shortstack{KYB 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}}}}; -- cgit v1.2.3