internet banking standard and standard-hybrid registration intuit financial services university...

Internet Banking Standard and

Standard-Hybrid Registration

Intuit Financial Services University Internet Banking Certification Training

Internet Banking Registration

© 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY.

Internet Banking: Standard and Standard-Hybrid Registration

Registration Overview

Consumer Admin Platform Financial Institution Administrator

1 Goes to website and completes registration form.

Completion screen tells consumer to wait for approval.

Completion email is sent to the consumer.

2 Consumer’s application is added in the Admin Platform.

Receives an email that a new consumer has registered (optional).

3 Flag the account(s) on the host (if applicable).

4 Account access is granted after host file update to Intuit Financial Services.

5 Approve application under Registration > IB Registration”.

6 Approval email is sent to the consumer.

7 Logs into Internet Banking with User ID and Password/PIN.

Consumer has an “Active” status in the Admin Platform.




Consumer Registration Process

(The Front End)




Login Screen

To register for Internet Banking, consumers should click the link found on your financial institution’s login screen. NOTE: The location of this link as well as the verbiage for the link is customizable.

Example of a Home Page login screen

Example of a Standard login screen




Welcome Screen

The consumer is presented with a welcome screen.




Step 1: Complete the Registration Form

• Tool Tips allow you to give your consumers formatting requirements, e.g. NNNNNNNNN for the SSN field.

• Many fields are customizable. Please reference the Implementation Form for details.

• The Company field is configurable and optional. If you have small businesses using your Internet Banking product, this is a good way to collect that data.




Validation Fields (optional)

Validation fields: If your financial institution has decided to use validation fields, your financial institution will create/customize up to four validation fields to be displayed on the registration form. The financial institution will also determine if the consumer is required to provide information for these fields. NOTE: Your financial institution will need to verify the consumer’s responses manually upon approving the registration application.

TIPS:

• Use Tool Tips to let consumers know if this is required or optional.

• If your financial institution decides to have “Ending Balance on most recent statement” as a validation field, your financial institution should make this field optional as your brand new consumers will not have this information.




Login Credentials – Standard Registration Only

User ID: This field pre-fills with the SSN that was entered in the SSN field at the top of the form. This field is not editable. During Implementations, your financial institution will select the identifier based on your host (i.e. member number, account number).

Alternate User ID: During Implementations your financial institution will determine if the consumer is required to create a unique Login ID for this field. Your financial institution will also choose to either display your unique login ID guideline requirements as a Tool Tip or as a hyperlink that when clicked, opens a new window with login ID requirements. NOTE: The Reports > IB Activity Reports may be used to track consumers that have created an Alternate User ID.

Password: During Implementations, your financial institution will choose to either display your password requirements as a Tool Tip or as a hyperlink that when clicked, opens a new window with password requirements.

TIP: The consumer can manage their Alternate User Id via User Options button inside of Internet Banking.




Login Credentials – Standard-Hybrid Registration Only

TIPS:

• Add a tool tip to tell the consumer exactly what to enter in the PIN and Alternate User ID field.

• Enable the global password prompt. This will force all consumers to change the PIN entered on the registration form to a unique password upon the initial login to Internet Banking.

User ID: This field pre-fills with the SSN that was entered in the SSN field at the top of the form. During Implementations, your financial institution will select the identifier based on your host (i.e. member number, account number).

Alternate User ID: During Implementations your financial institution will determine if the consumer is required to create a unique Login ID for this field. NOTE: The Reports > IB Activity Reports may be used to track consumers that have created an Alternate User ID.

PIN: If your FI chooses to display this field, the consumer enters their PIN that is currently stored on your host (i.e. telephone banking PIN, last four digits of their SSN, etc.).




Account Information & Bill Pay

Account Information: If your financial institution has decided to use account fields, consumers can select which accounts they want to have access to online. If your financial institution is planning on allowing access to all accounts, you may choose not to enable this feature. NOTE: Accounts will need to be manually verified on your host upon approving the registration application.

Bill Pay: If your financial institution is using Combined Enrollment for bill payment, the consumer is registering for Internet Banking and Bill Payment via this one application.

Depending on the verbiage your financial institution selected during Implementations, the consumer will either opt in or opt out of Bill Payment here.


Internet Banking – Standard and Standard-Hybrid Registration

© 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY

The confirmation screen allows the consumer to verify their information. If anything is incorrect, they can click Edit and the fields become editable.

Step 2: Review the Confirmation Screen


Internet Banking – Standard and Standard-Hybrid Registration

© 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY

The consumer is prompted to accept your financial institution’s disclosure. If your financial institution is using Combined Enrollment, both the Internet Banking and Bill Pay Terms & Conditions will be displayed here.

Option 1: Text box with the Accept/Decline buttons.

Option 2: A checkbox which is integrated on the registration form with a link to the Terms & Conditions.

Step 3: Read the Disclosure Screen (optional)




Step 4: Completion Screen and Email

The consumer is presented with a completion screen.

An email is also sent to the consumer.

NOTES: • Real-Time financial institutions: The verbiage of these screens will

reflect your turn- around times.• Standard Hybrid financial institutions: The verbiage of these screens

will not reference a Password.




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Administration Process

(The Back-End)




Financial Institution Email Sent (optional)

An email may be sent to the financial institution:

• This email tells you that a new consumer has registered and needs to be approved through Admin Platform.

• The email contains minimal information – just enough for you to look up this consumer in Admin Platform.

• The financial institution indicates what email address to send this email during the Implementation process.

XXXXX1234




Step 1: Access New Registration ApplicationsAccess new registration applications via Registration > IB Registration. Leave “New Registrations” selected as the Category. Click on ‘Retrieve User List’ button. Then, click on the User ID hyperlink to view the registration application.




Step 2: Verify/Review the Registration Application

Review the application by verifying the consumer’s responses to your financial institution’s Validation fields against your host and/or flagging any accounts that the consumer selected to be enable for Internet access.

TIP: Don’t forget to flag/enable the consumer’s account on your host!

TIP: Financial institution administrators can use the ‘Notes’ field to enter notes to other financial institution administrators about this application. These notes are displayed in the “MC Notes” field on screen.




• Your financial institution will have the following options to select from: Approve, Decline, Download and Postpone. Check off the consumers that you wish to perform an action on (approve/decline) and choose an activity from the Select Activity drop-down.

Step 3: Approve the Registration Application




Approval (batch/hybrid financial institutions):

Congratulations! Your [your financial institution’s name for online banking] application has been approved. Your account information will be available online within 24 hours. To access your accounts, go to [your financial institution’s name for online banking] on our website at [Hyperlink to your financial institution’s home page] and enter your [your financial institution’s name for User ID] and [your financial institution’s name for Password].

Congratulations! Your [your financial institution’s name for online banking] application has been approved. To access your accounts, go to [your financial institution’s name for online banking] on our website at [your financial institution’s homepage hyperlink] and enter your [your financial institution’s name for User ID] and [your financial institution’s name for Password].

Approval

(real-time financial institutions):

Denial:Thank you for applying for [your financial institution’s name for online banking]. At this time we cannot process your application. Please call your financial institution for further details.

Upon the financial institution approving/denying the consumer’s Internet Banking application in the Admin Platform, the consumer will receive one of the following emails:

Step 4: Consumer Receives IB Email




Consumers Who Opted in for Bill Pay

If the consumer opted in for Bill Pay on the Combined Enrollment form, the consumer will be prompted to select their Bill Pay funding account upon their initial login. At that time, the consumer’s Bill Pay eReg record will be sent to the financial institution’s host.

NOTE: The consumer’s Bill Pay eReg record is sent to the financial institution (as opposed to the bill payment processor if the financial institution does not have auto approval.

Please refer to your Bill Pay manual for details regarding these steps/processes.




Additional Registration Search Options

1. To view a specific consumer’s registration application: Enter their User ID and click on the ‘Retrieve User’ button.

2. To view all consumers’ registration applications that are in a specific status: Choose the category (New Registrations, Approved Registrations – Not Logged In, Declined Registrations, Postponed Registrations) from the dropdown and click on the ‘Retrieve User List’ button.




Registration – Practical Applications

1. Describe the registration process from the consumer’s perspective.

2. How do you know that a new consumer has registered for Internet Banking?

3. How would an financial institutions administrator temporarily hold a consumer’s application for additional research before approving or declining it?

4. How long does a consumer need to wait between registering and being able to access their accounts on line?




Step 1: Receive an email when a new IB registration has arrived

Step 2: Log into Admin Platform > Registration > IB Registration. Search for user or select New Registrations and retrieve list

Step 3: Click on the User ID and review the registration for completeness, looking at the additional verification fields

Step 4: Look at the accounts the consumer wants to view online and minimize Admin Platform. Go your host do any maintenance necessary to enable their account for online access (Ask your host contact for instructions).

Step 5: Once you have correctly enabled the consumer’s accounts on the host, maximize Admin Platform again, check the user checkbox and select the activity “Approve.”

Quick Tip Sheet: Registration

Suggested Daily Task Monitor the ‘New Registrations’ category in Registration > IB Registration. Approve

or deny the applications. If approved, enable the accounts on your host if necessary.

Suggested Monthly Task Monitor Registration > IB Registration > ‘New Registration Not Logged In’

category.

internet banking standard and standard-hybrid registration intuit financial services university...

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