Generic enrollment flow

Green flow enrollment

In a green flow enrollment, the Issuer decides to digitize a card through the payment network TSP (for example, VTS or MDES) without step-up authentication of the end user.

The digitization process is:

Green flow enrollment (no step-up authentication).

Yellow flow enrollment

In a yellow flow enrollment, the Issuer decides to digitize a card through the payment network TSP (for example, VTS or MDES) with step-up authentication of the end user.

The step-up authentication method is also called an ID&V (identification and verification) method.

SMS or email OTP step-up authentication

The Issuer backend sends an OTP generated by the payment network TSP to the end user. This OTP proves the end user’s identity and authorizes digitization.

Yellow flow enrollment using SMS or email OTP.

Issuer application step-up authentication

The end user is redirected from the wallet application to the issuer application. The end user then authenticates using their eBanking credentials.

Yellow flow enrollment using the issuer application.

Customer service step-up authentication

If the end user selects the Customer service option, they are redirected to the call center and must identify themselves.

Customer service uses getCardInfo to identify the pending virtual card. Customer service then sends an updateCard request to resume the virtual card flow.

Yellow flow enrollment using customer service.