Temenos Lifecycle Management Suite - Loan Origination Product Guide
Virtual Capture Settings
Administrator Guide > Virtual Capture Overview > Virtual Capture Settings

The Virtual Capture Settings page accessed from System Management > Origination > Virtual Capture > Virtual Capture Settings provides administrators with the ability to customize the Virtual Capture application process for applicants. This page serves as a centralized hub for important Virtual Capture settings and contains the following tabs:

General Tab

The General tab contains the basic Virtual Capture settings and includes the following sections:

General

This section of the General tab provides administrators with the ability to define the style and appearance of Virtual Capture for individual applicants.

The following fields are displayed within the General section of the General tab:

Field Function
Style Folder Enter the CSS folder that houses the financial institution's color scheme to be used for branding in Virtual Capture.
Cards Per Page Enter the number of products to display in a row within the Product Selection screen. Applicants use the Product Selection screen to select the account or loan product for which to apply.
This field is required.
If there are more products active within Virtual Capture than the amount defined within the Cards Per Page setting, the additional products are displayed on the next line within the Product Selection screen.
Application Listing Text Enter instructions or other text to appear within the List Applications screen in Virtual Capture.
Disbursement Confirmation Text Enter the text to appear within a system confirmation message generated upon clicking  on the last screen of the Approval workflow in Virtual Capture. The disbursement process is initiated after the applicant confirms disbursement can be performed.
Disbursement Success Text Enter the text to appear within a system success message generated in Virtual Capture after disbursement is successful.
This field is required.
If text is entered, formatted using the HTML tools (bold, underline, hyperlink, etc.) then deleted, some hidden formatting might remain in the field, allowing the Virtual Capture Settings page to be saved when the Disbursement Success Text field does not contain any readable text. To check if there is any hidden formatting within this field, click  to view the field in HTML mode.
Generic Error Message

Enter a generic error message which appears within a system error message when generated in Virtual Capture.

Lifecycle Management Suite code flags all error messages as "user-friendly" or "not user-friendly." All messages created by rules are flagged as user-friendly and all other messages are flagged as not user-friendly. If an error occurs in a Virtual Capture application that generates a message which is "not user-friendly," the Generic Error Message displays to applicants.

Site Header

This section of the General tab provides administrators with the ability to define a company logo and name to appear within the Virtual Capture top navigation bar.

The following fields are displayed within the Site Header section of the General tab:

Field Description
Company Logo Displays the company's logo currently used in Virtual Capture.
Image Click Browse... to locate and upload a new logo image (50 pixels x 50 pixels maximum). The logo is displayed at the top of the Virtual Capture web page.
An ideal logo image to use in Virtual Capture is 35 pixels x 35 pixels, without any extra space surrounding the logo.
Remove Existing Logo Select this check box to remove the existing company logo.
Company Name Enter the name of the company. The Company Name is displayed in the navigation bar at the top of the Virtual Capture web page.

Site Footer

This section of the General tab provides administrators with the ability to define a footer to appear within Virtual Capture.

The following field displays within the Site Footer section:

Field Description
Text Enter text to display at the footer of the Virtual Capture web page.

Product Selection Tab

The Products Selection tab contains settings for the various loan products configured within Virtual Capture.

Information for Virtual Capture products is displayed within the following columns:

Column Description
Application Types Displays the Loan Application Types configured within System Management > Origination > Loan > Loan Application Types.
Display Name Displays how the name of the product appears within Virtual Capture. 
Sub-Category Displays the Sub-Category assigned to the product in Virtual Capture
Category Displays the Category assigned to the product.
Active For Individual Displays a  if the product is enabled for individual applicants within Virtual Capture.
Active Displays a  if the product is enabled within Virtual Capture.
Active For Vendor Displays a  if the product is enabled for vendors within Virtual Capture.
Replacement Cross-sell Displays a  if the product is configured to be a replacement cross-sell within Virtual Capture.
While the Replacement Cross-sell field and column display for both account and loan products, replacement cross-sell functionality is only available for loan products.

Highlight a product and click  or double-click the product to open the Edit Product window. The Edit Product window consists of the following two tabs:

General

The General tab of the Edit Product window provides administrators with the ability to define the categorization, image and sales script of the product to be used within Virtual Capture.

The following fields are displayed within the General tab of the Edit Product window:

Field Description
Active for Individual Select this check box to activate the product for use by individual applicants within Virtual Capture. Active products are available for selection from the Product Selection screen that applicants use to select the loan product for which to apply.
Active for Vendor Select this check box to activate the product for use by vendors within Virtual Capture. Active products are available for selection from the Product Selection screen that vendors use to select the loan product for which to create an application on behalf of the applicant.
Sub-Category Enter the product's Sub-Category (Auto Loans, for example). Once a Category is selected fron the Virtual Capture navigation bar, the Sub-Categories display as tabs within the web page.
This field is required and helps organize the products within Virtual Capture.
Category Enter the product's Category (Loan Product). Categories are available in the Virtual Capture navigation bar at the top of the web page.
This field is required and helps organize the products within Virtual Capture.
Small Image Click Browse... to locate and upload a small image (maximum 35 pixels by 35 pixels) to associate with the product. The small image appears within the Cross-sell panel when rendered in Virtual Capture.
Remove Image Select this check box to remove the small image for the product.
Large Image Click Browse... to locate and upload a large image (maximum 150 pixels by 150 pixels) to associate with the product. The large image appears within the Product Selection screen that applicants use to select the loan product for which to apply.
Remove Image Select this check box to remove the large image for the product.
Display Name Enter the name of the product to display within Virtual Capture. The Display Name appears within the Product Selection screen that applicants use to select the loan product for which to apply.
This field is required.
Workflow Model From the drop-down, select the workflow model to associate with the product. The workflow model determines how screens are presented to the applicant during the virtual application process.
Virtual Capture Workflow Models are configured in System Management > Origination > Virtual Capture > Virtual Capture Workflow Models.
Sales Script Enter an informational and appealing value statement for the product that can be used as a sales tool during product selection. The Sales Script appears within the Product Selection screen that applicants use to select the loan product for which to apply.

Replacement Cross-Sell

The Replacement Cross-Sell tab of the Edit Product window provides administrators with the ability to enable this product as a replacement cross-sell and provides the ability to define a sales script to display within Virtual Capture.

When finished defining the product attributes, click  to return to the Virtual Capture Settings page. Click  to disregard any changes.

Login Tab

The Login tab contains settings that control how the log-in process works for an individual applicant initializing Virtual Capture and includes the following sections:

Single Sign-on

Single Sign-on (SSO) is available when accessing the virtual capture site through the financial institution's web site in which the applicant has previously provided authentication. This section of the Login tab provides administrators with the ability to define the error messages that may be received when an applicant signs in to Virtual Capture through the financial institution's web site.

Through SSO, once an applicant selects a product, they are not prompted to enter their login information. An HTTPS request is used to validate the applicant's Username, Password, Person Number, Account Number and TIN with information stored in the core.

The following fields display within the Single Sign-on section:

Field Description
Copy Demographics for Account Holder Select this check box to pre-populate address, phone and income information for current account holders within a Virtual Capture application.
Demographic information is also pre-populated on a Virtual Capture application when it is accessed in the Lifecycle Management Suite.
Error Message for Account Holder not found in Core Enter the error message text to display when the Last Name, SSN and Account Number entered within a screen in Virtual Capture do not match an account in the financial institution's core system.
Error Message for Account Holder with closed account Enter the error message text to display when the Account Number entered within a screen in Virtual Capture matches a closed account. 
Valid IP Addresses(es) for Token (commas separated list)

Enter the IP Addresses that are permitted to access Virtual Capture. When an applicant tries to access Virtual Capture from an IP Address that is not in this list, the applicant receives an error to inform that the single sign on request could not be authenticated and is unable to access the Virtual Capture application. If no IP Addresses are included in this list, applicants are able to access the Virtual Capture application from any IP Address.

This field accepts one or more IP Addresses separated by commas. When including multiple values, the IP Addresses can be entered with or without a space after the comma.
Token Expiration in Minutes

Enter the number of minutes that the session token for Virtual Capture is considered valid. After the number of minutes defined within this field expires, an error is received to inform that the token has expired and a new request to access Virtual Capture must be made.

This field defaults to 15 minutes. If the value of this field is blank, the system continues to default the token expiration to 15 minutes.

Guest Login

This section of the Login tab provides administrators with the ability to configure the login process for applicants who access Virtual Capture through an Online Profile or Guest application. The information configured within this section determines the error messages that return during the login process as well as the information that appears within the Continue as Guest panel in the Login screen or the Start New Application screen that populates when creating an application under an online profile.

The following fields display within the Guest Login section:

Field Description
Error Message for Account Holder not found in Core Enter the error message text to display upon clicking  in the Continue as Guest panel or Start New Application screen when the applicant selects Yes from the Member drop-down and the Last Name, SSN and Account Number entered do not match an account in the financial institution's core system.
Error Message for Account Holder with closed account Enter the error message text to display upon clicking  in the Continue as Guest panel or Start New Application screen when the applicant selects Yes from the Member drop-down and the Account Number entered matches a closed account.
Panel Title Enter the title to display at the top of the Login screen in Virtual Capture.
This field is required.
Instructions Enter instructions or other text to appear within the Login screen in Virtual Capture. This text provides applicants with direction in completing the screen.
Is Member Label Enter the name of the Member drop-down that appears within the Continue as Guest panel or Start New Application screen.
This field is required.
Account Number Label Enter the name of the Account Number field that appears within the Continue as Guest panel or Start New Application screen.
This field is conditionally required based upon the selection of the Hide Account Number field. If the Hide Account Number field is selected, the Account Number Label field is not required.
Hide Account Number

Select this check box to determine whether or not an account number is required to initialize the virtual application process. When this check box is selected, the Account Number field does not appear within the Continue as Guest panel or Start New Application screen.

This field defaults to a blank value.

Blacklist IP Address

This section of the Login tab provides administrators with the ability to enable IP address tracking and configure the error message that displays when an applicant's IP address is blacklisted.

The following fields display within the Guest Login section:

Field Description
Capture IP Address Select this check box to enable IP address tracking in Virtual Capture. When an application is saved within Virtual Capture, the IP address is stored within the IPAddress field available for addition to reports and screens in the Lifecycle Management Suite.
IP addresses are not stored for applications created within the Lifecycle Management Suite; they are only stored for applications created through Virtual Capture.
If an applicant uses one IP address to access Virtual Capture then later uses another and the first IP address is not blacklisted, the IP Address field updates to store the second, most-recent IP address. 
If the IP address fulfills the Blacklist parameters defined in System Management > Solutions > Origination, the IP address is prohibited and is displayed within the list of blacklisted IP addresses in System Management > Virtual Capture > Blacklist IP Addresses.
Error Message for Blacklisted IP Address Enter the error message that is displayed within Virtual Capture when an applicant's IP address is blacklisted.
Upon logging in to Virtual Capture and accessing a previously created application, Virtual Capture compares the current IP address with the list of blacklisted IP addresses. If the current IP address is blacklisted, the error message configured within the Error Message for Blacklisted IP Address field is presented to the applicant.
For more information on IP address blacklisting, please see the Blacklist IP Address topic within this guide.

Cross-sells Tab

The Cross-sells tab contains settings for the various loan, and non-loan cross-sells configured within Virtual Capture. This tab is populated with all of the cross-sells configured in System Management > Origination > Cross-sell Products.

When a new cross-sell is added to System Management > Origination > Cross-sell Products, it is automatically added to the Cross-sells tab in Virtual Capture Settings, however it is not automatically marked as Active.  

 

Information for Virtual Capture cross-sells is displayed within the following columns:

Column Description
Name Displays the name of the cross-sell.
Type Displays the type of the cross-sell.
Active Displays a  if the product is enabled within Virtual Capture.

Highlight a product and click  or double-click the product to open the Edit Cross-sell window.

The following fields are displayed within the Edit Cross-sell window:

Field Description
Active Select this check box to activate the cross-sell within Virtual Capture. Active cross-sells can be offered to applicants through the Cross-sell panel during the virtual application process.
Name Displays the name of the cross-sell as defined in System Management > Origination > Cross-sell Products.
Cross-sell Type Displays the cross-sell type as defined in System Management > Origination > Cross-sell Products.
Include Term Select this check box to display a Term field within the Cross-sell Details window in which users can manually enter a length of time (in months) for the account product.
The Include Term check box is only available for account cross-sell products.
Include Amount Select this check box to display an Amount field within the Cross-sell Details window in which users can manually enter the amount of money to place in the account product. 
The Include Term check box is only available for account cross-sell products.
Small Image Click Browse... to locate and upload a small image (maximum 35 pixels by 35 pixels) to associate with the cross-sell. The small image appears within the Cross-sell panel when rendered in Virtual Capture.
Remove Image Select this check box to remove the small image for the cross-sell.
Summary Script Enter an informational and appealing short value statement for the product to be used as a sales tool during cross-sell selection. The Summary Script appears within the Cross-sells panel that applicants use to select the loan cross-sell product for which to apply.
Sales Script Enter an informational and appealing value statement for the product to be used as a sales tool during cross-sell selection. The Sales Script appears within the Cross-sells panel details that applicants use to select the loan cross-sell product for which to apply.
If a sales script is not defined for the cross-sell within Virtual Capture, the Sales Script defined in System Management > Origination > Cross-sell Products is displayed within the Cross-sells panel during the virtual application process.

When finished defining the cross-sell attributes, click  to return to the Virtual Capture Settings page. Click  to disregard any changes.

Vendor Portal General Tab

The Vendor Portal General tab contains settings that enable administrators to define the style and appearance of Virtual Capture for vendors accessing the module through the Vendor Portal.

The Vendor Portal General tab contains the same fields as the General tab. Please refer to the General tab section of this topic for information on the fields that are available within this tab.

Vendor Portal Login Tab

The Vendor Portal Login tab contains settings that control how the log-in process works for a vendor initializing Virtual Capture through the Vendor Portal.

The following fields are displayed within the Vendor Login tab:

Field Description
Error Message for Deactivated User Enter the error message text to display within Virtual Capture when a deactivated vendor user attempts to access the module.
Vendor users are activated/deactivated within System Management > Origination > Vendor Management.
Error Message for Incorrect Username/Password Enter the error message text to display within Virtual Capture when a vendor user attempts to access the module with an incorrect username and/or password.
Usernames and passwords for vendor users are assigned within System Management > Origination > Vendor Management.
Panel Title Enter the name of the login panel as it should appear for vendors within Virtual Capture.
This field is required.
Instructions Enter the text to display as instructions to assist vendor users with logging in to Virtual Capture.

Once all settings have been configured within the Virtual Capture Settings page, click . Click  to disregard any changes.

After any changes are made within Virtual Capture Settings, an IIS reset must be performed in order for the changes to appear within the Virtual Capture web application. Please contact the financial institution's IT resource to perform an IIS reset on the DMZ server where Virtual Capture is installed. The IIS reset should be performed off hours, as this impacts any users logged in to the Lifecycle Management Suite and may cause temporary slowness for any applicants logged in to the Virtual Capture web application.

 

 

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