From 67262173a1f6922724fe2993707896c81c73cf91 Mon Sep 17 00:00:00 2001
From: Christian Grothoff <grothoff@gnunet.org>
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 <christian@grothoff.org>
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 <christian@grothoff.org>
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

