c. Check operation history (what debit or credit his account)
d. Check order history (i.e. rejected transfer order)
e. Authorize his transfer order (SMS, token…)
Additionally user should have a possibility to editing his data (phone number), choose authorization method.
**I. Sending cryptocurrency and receiving EURO**
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@@ -20,14 +26,14 @@ A Exchange user sends cryptocurrency and wants to receive Euro.
2. An operation in the blockchain includes a receiver IBAN account.
3. A memo description (with IBAN account) is encrypted.
4. A transaction is processed with a standard path in the Exchange:
a. The transaction scanner in the source blockchain recognizes an operation and takes an appropriate action (as now) – sends it to SEPA-plugin
b. SEPA-plugin or CBS recognizes whether it is an internal transfer (to IBAN account in the Dan’s bank) or external transfer (to IBAN account not in the Dan’s bank):
i. If it is internal transfer, then it is processed in SEPA-plugin or CBS
a. The transaction scanner in the source blockchain recognizes an operation and takes an appropriate action (as now) – sends it to CBS-plugin
b. CBS-plugin or CBS recognizes whether it is an internal transfer (to IBAN account in the Dan’s bank) or external transfer (to IBAN account not in the Dan’s bank):
i. If it is internal transfer, then it is processed in CBS-plugin or CBS
ii. If it is external transfer, then it is sent to DIS - see [diagram flow](use cases/uc-2)
*Remarks:*
1. Everyone can send money to IBAN account and user doesn't need any access to this account.
2. SEPA doesn’t work all the time. SEPA works only in working days during defined working hours. SEPA-plugin or CBS is responsible for queueing transactions.
2. SEPA doesn’t work all the time. SEPA works only in working days during defined working hours. CBS-plugin or CBS is responsible for queueing transactions.
**II. Sending EURO and receiving cryptocurrency**
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@@ -36,11 +42,11 @@ ii. If it is external transfer, then it is sent to DIS - see [diagram flow](use
A Exchange user sends Euro from his IBAN account in Dan’s bank and wants to receive cryptocurrency
1. A transaction is processed with a standard path in the Exchange
2. A transaction is not processed by DIS.
3. Dan's bank accounting subsystem (SEPA-plugin or CBS) stores information about reducing of user account balance.
3. Dan's bank accounting subsystem (CBS-plugin or CBS) stores information about reducing of user account balance.
**UC 3**
A Exchange user sends Euro from his account not in Dan's bank and wants to receive cryptocurrency.
1. DIS sends a transaction to SEPA-plugin or CBS – see [diagram flow](use cases/uc-4)
1. DIS sends a transaction to CBS-plugin or CBS – see [diagram flow](use cases/uc-4)
To be discussed:
1. What is responsible for keeping information about balance account, info whether account is open?
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@@ -53,8 +59,8 @@ To be discussed:
*First solution:*
1.*An exchange user makes a transfer using the Exchange interface (or rather a dedicated interface of IB).*
2.*CBS registers a transaction (similarly to blockchain registering a transaction).*
3.*SEPA-plugin transaction scanner checks via CBS if there are any new incoming transactions on Dan’s account (same as for any crypto/blockchain).*
4.*If there are any, SEPA-plugin transaction scanner fetches those transactions and processes them (same as for any crypto/blockchain).*
3.*CBA-plugin transaction scanner checks via CBS if there are any new incoming transactions on Dan’s account (same as for any crypto/blockchain).*
4.*If there are any, CBA-plugin transaction scanner fetches those transactions and processes them (same as for any crypto/blockchain).*
*Then the standard execution path is followed in the Exchange: a record is created and processed.*
