MICROSITE

START
DCB BANK Hosted page Fields as per DCB Remit registration fields
Client clicks

DCB REMIT Client clicks

Redirect client
Client fills the form If PAN is newly added in LP, call ESB
Register button on
Home page Register button to to
Microsite
New LPLP (allow only 18 years old and above) Dedupe API
homepage

DEDUPE RESPONSES AND NEXT STEPS

NTB Customer
ETB Customer ETB Customer Check if PAN is If PAN is already registered
already registered and redirected to EKYC but
Response 1 Response 2 Response 3
previously. If VKYC VKYC status is not available,
status is rejected,do call EKYC Fetch Status API to
PAN matches with Bank PAN not found in Bank not allow to register fetch status of EKYC and PAN
PANnot
notmatched
found ininBank
Bank
Record Record again. Show a timestamp.
Record
message to client.
If EKYC flag is 'Yes' but
Abort journey timestamp is >3 days, redirect
to EKYC again. 

Recognized as DCB Bank If EKYC flag is N, redirect to

Recognized as Customer
customer, call DCB Bank Check if DOB+Mobile EKYC again.

customer
Information API with matches based on Bank DOB+Mobile
DOB+MobileDedupe
Dedupe 
API
If EKYC flag is 'Yes' and
VKYC status and send to dedupe API response  timestamp is <3 days, redirect
DCB Remit (Fable)  to VKYC portal.

  Not Matched
Matched
In Fable,toatDCB
Redirect the backend
Remit via
check if client
APIis registered Client to enter Bank Call
Call EKYC
API andAPIredirect
and take
to
in DCB Remit based on Customer ID and
the client
EKYCto EKYC
portal Portal
PAN  Verify by SMS OTP 

Cust ID not matched ,

Cust ID matched as

display message to enter

per Dedupe response and EKYC portal
CustID again upto x
OTP verified

attempts, else, abort

Call NSDL API Client journey

journey
If PAN does not exists, Enter Aadhaar and accept DCB Bank will maintain the
If PAN does not exists,
If PAN exists in DCB register the client at the consent
VKYC status master list and will
register the client at the
Remit,
Remit, redirect
redirect client
to login
to backend. Data and VKYC EKYC partner will
be made available on microsite 
backend. Data will be
login
page
page status will be passed in trigger OTP
for VKYC status check
passed in API
Cust Information API
Call Insert PAN API

PAN added After PAN is updated at

the bank, DCB Bank to EKYC and VKYC are
Flag client as DCB Bank
Fable to send login id on Call Customer Information
Customer in the backend
independent journey
Flag client as DCB Bank email and one time API and send details to Details shown as per UIDI
Not Do not allow to proceed

Check if VKYC is done of customer. EKYC

Customer in the backend password on RMN as Fable
confirmed
and approved as status is not required abort the journey

received in Cust Info API
If VKYC is done, Client
SMS.
Client to confirm the If client drops-off, repeat from
to be passed to
details DCB Remit registration again
Fable. VKYC status
will be passed in
Cust Info API if Confirm
Client's 1st login on DCB After successful login, approved by DCB Client

Client can login and Flag client as DCB Bank Client completes EKYC

can login and transact on 1st login,Remit 

client to verify Client can transact on Bank aborts
transact on DCB Remit via OTP and force to Customer in the backend. journey   If client drops-off, VKYC status
DCB Remit as per DCB Remit as per regular Ask to proceed for

as per regular flow System

changewill
password
force to VKYC must be approved will be pending. Pending status
regular flow change password flow VKYCl

Redirect to DCB Bank must be updated on microsite

VKYC
If PAN exists in DCB Remit, send mail about
status and allow to transact, update VKYC
as approved. Proceed
VKYC
Fable to send mail to client that approved
Rejected
After successful login, On 1st login, client will be forced registration is complete

DCB Bank to Call Customer API and register

Client can transact on to change password. No email
DCB Bank
Do not allow to register again.
client in DCB Remit at the backend based on
DCB Remit as per regular verification required.Flag as Non- Fable to send login id on email to conduct VKCY Reject status must be updated
DCB Bank customer data received from UIDI
flow and one time password on on microsite  
RMN as SMS.

Old transacted DCB Remit

Old Registered Non -DCB Old Registered DCB Bank Old transacted DCB Remit
/ Non -DCB Bank
Bank customers customers / DCB Bank customers
customers

DCB REMIT DCB REMIT DCB REMIT DCB REMIT

Home page Home page Home page Home page

Clicks LOGIN
Clicks LOGIN

Go to Login page and enter credentials. Go to Login page and enter credentials.

Verify details via SMS OTP (one time activity) If registration is before go live date of VKYC and VKYC status
is not updated in DCB Remit, redirect to microsite, fetch data
from bank for EKYC status and follow the logic as per
microsite

Remove or disable the verification link / not needed

anymore

If VKYC is approved by DCB Bank, call Customer Information

API and pass VKYC status as approved in Fable.

Update VKYC status in DCB Remit as approved.

If registration is before go live date of VKYC and VKYC Trigger mail to client.

status is not updated in DCB Remit, redirect to microsite, Client can login once VKYC is approved.

fetch data from bank for EKYC status and follow the logic as Do not allow to login if VKCY status is blank, null, or no status,
per microsite and display message to customer for the next steps