Provide the Lending Company with an option to verify the Customer's phone number. Such a verification can be enabled in the system configuration if SMS integration is enabled.

If the functionality is enabled, an SMS code is sent to the phone number provided by the Customer. To finalize the verification the Customer must enter the verification code on the Customer's Portal.

Step-by-Step Flow

The customer gets an SMS with a code where they are also requested to enter the code into the message in the Customer's Portal.
When the Customer opens the portal, they will see the message with a place for the verification code.

User interaction and design

Borrower

When the application form is submitted Borrower receives an SMS with the verification code required to complete an application. Borrower logs in to Personal Account.

The system shows the notification "To finish the application process, phone verification is required. To verify, please enter the verification code below."

During this step Borrower can:

Enter the verification code to complete the application process;
Ask to resend the code;
Borrower should be able to edit Main Phone number
- In case if Borrower has edited a phone number, he should be prompted to verify a new number.
- Amount of SMS messages available for the borrower to Update Main Phone or to RESEND CODE should be limited. Max number of SMS messages available per day should be specified in the /wiki/spaces/TKL/pages/207781909
- Borrower should be able to requests to resend the code by clicking RESEND CODE in case Phone number was updated.

Use cases

Preconditions:

Application form is submitted by the Borrower.
The Borrower is logged in to the Front Office.
The SMS with a verification code has been sent to the Borrower's phone number (Customer details → Main Phone).
The default SMS Code Expiry Period is 5 minutes. The SMS Code Expiry Period is hardcoded.

A verification code is sent to a Borrower's phone number which is specified using a globally selected SMS provider

#	The Borrower	The System	Postconditions
1	Enters the correct code and clicks VERIFY.	The System checks if Borrower has not Exceeded Max number of SMS messages available per day The System validates the entered code for expiry. In case if the code is NOT EXPIRED: The System validates entered code (which is valid for this use case) and shows the corresponding Application complete notification. The System changes the loan status to AutoProcessing.	The loan status changes to AutoProcessing. Phone verification notification is hidden.
2	Enters the EXPIRED code and clicks VERIFY.	The System checks if Borrower has not Exceeded Max number of SMS messages available per day The System validates the entered code for expiry. In case the code is EXPIRED the system shows the notification "Сode expired".	The loan remains in a Origination status. The Loan Details panel contains the same list of Phone verification options.
3	Enters an incorrect code and clicks VERIFY.	The System checks if Borrower has not Exceeded Max number of SMS messages available per day The System shows notification "Invalid code". After three unsuccessful attempts borrower will be Locked	The loan remains in a Origination status. The Loan Details panel contains the same list of Phone verification options.
4	Requests to resend the code by clicking RESEND CODE.	The System checks if Borrower has not Exceeded Max number of SMS messages available per day The System sends the customer a new code.	The SMS Code Expiry Period the counter is reset. The loan remains in a Origination status. The Loan Details panel contains the same list of Phone verification options.
5	Exceeded Max number of SMS messages available per day	The System checks if Borrower has not Exceeded Max number of SMS messages available per day In case if Exceeded the system shows the notification "Too many attempts, try again tomorrow".

Originator

In case if this functionality is enabled SEND FOR APPROVAL button is replaced with SEND FOR VERIFICATION button
In case if the application form is submitted from the Back-Office, a verification code will be sent after Originator clicks on SEND FOR VERIFICATION
- In case if Main Phone is Verified system automatically sends loan application for Approval

#	Originator	The System	Postconditions
1	clicks on SEND FOR VERIFICATION	The System checks if Borrower has not Exceeded Max number of SMS messages available per day The system opens a popup with phone verification window	The loan remains in a Origination status. The System sends a verification code to the Borrower
1.1	Enters the correct* code and clicks VERIFY*	The System validates the entered code for expiry. In case if the code is NOT EXPIRED: The System validates entered code (which is valid for this use case) and shows the corresponding Main Phone is Verified notification.	The System changes the loan status to AutoProcessing.
1.2	Enters the incorrect* code and clicks VERIFY*	The System shows notification "Invalid code".	The loan remains in a Origination status The phone verification window contains the same list of options.
1.3	Enters the EXPIRED* code and clicks VERIFY*	The System validates the entered code for expiry. In case the code is EXPIRED the system shows the notification "Сode expired".	The loan remains in a Origination status The phone verification window contains the same list of options.
2	Requests to resend the code by clicking RESEND CODE.	The System checks if Borrower has not Exceeded Max number of SMS messages available per day The System sends the customer a new code.	The SMS Code Expiry Period counter is reset. The loan remains in a Origination status The phone verification window contains the same list of options.
2.1	Exceeded Max number of SMS messages available per day And Requests to resend the code by clicking RESEND CODE.	The System checks if Borrower has not Exceeded Max number of SMS messages available per day In case if Exceeded the system shows the notification "Too many attempts, try again tomorrow".	The loan remains in a Origination status RESEND CODE button is disabled
3	Exceeded Max number of SMS messages available per day clicks on SEND FOR VERIFICATION	The System checks if Borrower has not Exceeded Max number of SMS messages available per day In case if Exceeded the system shows the notification "Too many attempts, try again tomorrow".	The loan remains in a Origination status

Customers Workplace

In case if the application form is submitted from the Back-Office from the Customers Section, an a verification code will be sent after Borrower is applied for a loan

In a filter list available on Origination workplace:

the system shall have a filter to display all applications which are waiting for a phone verification (Phone Verification)

Front-Office

Mockup of the Phone verification notification area:

The specification of the control elements of the Phone verification notification area:

Element	Type	Constraints	Description
Verification code	Input field	only numbers	Field to enter Verification code received in the SMS message
VERIFY	Button		By pressing this button Borrower will complete the registration process
RESEND CODE	Button	Disabled if Borrower Exceeded Max number of SMS messages available per day	By pressing this button Borrower will request for a new code

Verify Customer's Phone SMS