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new-bank-account-usecase.md

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New Bank Account Use Case

Use Case: As a user, I should be able to open a new bank account online by providing my digital drivers license, digital drivers license assurance/evidence and digital credit report.

References

Components

Component Cloud URL (Sandbox)** Cloud URL (Staging) Cloud URL (Devel) Local k8s URL*
User Wallet Click Here Click Here Click Here Click Here
Bank Click Here Click Here Click Here Click Here
Drivers License + Assurance Issuer Click Here Click Here Click Here Click Here
Credit Report Issuer Click Here Click Here Click Here Click Here

*: Refer here to run the local k8s demo. **: Soon to be deprecated - pre k8s deployment environment

Flow details

  1. Login to Wallet:
    • UI Navigation
      • Go to Wallet and click on Demo Sign-Up Partner button.
      • A new window will open with email id and password.
      • Click on Sign In button and it will redirect to Wallet dashboard.
    • Details
  2. Get Drivers License and Connect to Assurance Issuer:
    • UI Navigation
      • On Drivers License + Assurance Issuer page, click on Issue Driving Licence button.
      • Login to the account with default username/password and click agree on the consent page.
      • Click Next on the window, select the wallet and click Store and Connect.
    • Details
      • The Issuer Adapter provides following details to wallet through CHAPI.
        • Drivers License
        • DIDComm Invitation to connect to issuer adapter
        • Manifest Credential with details about Assurance Issuer
      • The Wallet performs Aries DID Exchange protocol with the Issuer Adapter
      • The Wallet responds with success message through CHAPI.
  3. Verify Drivers License in the Wallet:
    • UI Navigation
      • Go to Wallet and confirm the data in Drivers License under stored credentials.
  4. Connect to Credit Report Issuer:
    • UI Navigation
      • Browse to Credit Report Issuer and click on Get your credit report button.
      • Login to the account with default username/password and click agree on the consent page.
      • Click Next on the window, select the wallet and click Connect.
    • Details
      • The issuer adapter provides following details to wallet through CHAPI.
        • DIDComm Invitation to connect to issuer adapter
        • Manifest Credential with details about Credit Report Issuer
  5. Open a Bank Account
    • UI Navigation
      • Navigate to Bank's website and click on Open Bank Account button.
      • Click Next on the window and select the wallet.
      • The next page shows the Drivers License along with Drivers License Assurance and Credit Report issuer.
      • Select all 3 and click on Share.
      • The user data will be displayed on the page with success message. Click source tab to view the raw json data.
    • Details
      • RP connects to RP adapter through OIDC protocol.
      • The RP adapter provides following details to wallet through CHAPI.
        • DIDComm Invitation to connect to rp adapter
        • Presentation Exchange request
          • Request for Drivers License
          • Request for Authorization to access Drivers License Assurance data
          • Request for Authorization to access Credit Report data
      • For Authorization, the wallet connects to the Issuer Adapter of Drivers License Assurance and Credit Report through Aries Issue-Credential protocol and gets Authorization Credential for users Drivers License Assurance and Credit Report. Note: Currently, rp connects directly to the issuer without blinding. The Blinded Routing feature is planned for subsequent release.
      • Wallet responds with following data through CHAPI.
        • Drivers License Credential
        • Drivers License Assurance Authorization Credential
        • Credit Report Authorization Credential
      • For Authorization Credentials (Drivers License Assurance and Drivers License Assurance), the rp adapter connects to issuer adapter through Aries Present Proof protocol to get the actual data.
      • RP adapter returns the data to RP.