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\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]{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}}}};
\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}.\footnote{In
practice, 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}).
\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}
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