Authorizing a Payment

Once a payment has been initiated depending on the Signature Engine & Administrative Rules configurations, the flow may continue in different ways:

• For the Single Signature, when one authorization is required, the user is presented with a confirmation page that payment has been submitted followed by the confirmation page with the response from the Core Banking (for the Instant LCY and SEPA Instant schemas).

  When there is NO signature rule defined, then a single signature is used.

• For the types Standard joint Signature to Mixed signatures multiple limits, when multiple authorizations are required the information in the confirmation page the display message is adapted to mark the signing and status on the second or third pending signature(s).

  When there are rules for signatures defined, but they do not match the payment parameters, then no one is allowed to sign, the system displays the message after the Review Payment Details page: No approvers could be identified. Please contact the bank!

On the page Review Payment Details, when clicking on Confirm, the system triggers the process of finding the signature needed (single/joint), and checking for the authorization rules. If there is a signature rule that applies, the system locks it and the payment is executed when all teh necessary people have signed the payment.

The process is the following:

1. To sign the payment, open FintechOS Portal. For details, see Logging into Online and Mobile Banking.
2. Scroll down on the Homepage to the List of Orders and Multiple Authorizations of a Payment.
3. Click List of Orders and Multiple Authorizations.
4. Select the payment you wish to authorize by clicking the Pay symbol.
5. The page Terms & Conditions is displayed informing you that an SMS will be sent containing an OTP that must be inserted. Click Send to trigger the SMS. To sign the payment, an SMS was sent with a code.
6. A pop-up window is displayed informing you that to finalize the process, the system needs the OTP. The phone number address is taken from the database. There are six boxes where to insert each letter of the OTP One-Time-Password. It is a password generated by the system to validate a piece of information or sign a document..

   If the code was not sent, click Re-send code. The maximum number of retries is 5. To change this number, see FTOS_IB_UserSignMaxRetryNo.The OTP is valid for only 15 minutes. To change the number, see OTPValidity).

   If you have trouble seeing the code, click Call me.

   NOTE  
   The functionality of this button was not implemented.
7. To verify the OTP inserted, click Authorize.

   If the code inserted was wrong, then the user is directed to the page Wrong authorization code. You have 5 tries to insert the OTP code. When that limit is reached, the system displays a toast message informing you that the account has been blocked and that you need to contact a branch or Contact Center. After a few seconds later, the screen displays a Session has expired page with a button Click to unlock. After this point, if you try to log in again, the account is blocked and you must visit a branch or call the Contact Center.

8. Click Send to reinitiate the SMS or click the Try later button to save the payment and re-initiate it at a later date from the List of Orders and Multiple Authorizations.
9. The confirmation page is displayed Your payment has been registered successfully. The payment Id is in the status Authorized.

   If it is the case for a joint signature (a third signature is needed), there is the message The payment has been posted in the Order List for the joint authorized Approver to sign.

   Click Home to return to the Homepage.

   If the account has insufficient funds, the system informs the user.