Virtual Capture provides the ideal loan application experience with the ability to customize the application process across all devices. This functionality incorporates both the MobileLoan and WebLoan products into one interface: one configuration that can be used across two channels, Web and/or Mobile. With Virtual Capture, institutions can take their application experience to the next level with mobile optimization and unlimited integration with the Lifecycle Management Suite and other third party connectors, as well as the ability to use the Lifecycle Management Suite’s flexible configuration settings and screen designer to customize the application process in a way that fits their financial institution’s business needs.
Reference the table below for an overview of the steps to take to begin configuring Virtual Capture in the Lifecycle Management Suite:
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Before Virtual Capture can be installed and configured for an institution, an agreement must be in place with Temenos. |
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Configuration Checklist
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Verify the supported devices and browsers are acquired.
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Virtual Capture does not support all third party mobile device keyboards. Please see the Hardware and Software Requirements - Origination topic of the Lifecycle Management Suite Administrator Guide for a complete list of the devices and browsers supported in Virtual Capture. |
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Install the Virtual Capture application through the DMZ Services tab in Server Manager.
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This step may be performed by a representative from the financial institution or a Temenos Representative. |
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If the financial institution is using the Virtual Capture Vendor Portal to provide vendors with the ability to create and submit applications on behalf of their customers, an additional install of the Virtual Capture application is required in Server Manager. |
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Contact a Temenos Representative to activate SolutionID 118 in the database, which enables Virtual Capture in the Lifecycle Management Suite.
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Assign Users and Security Groups access to configure Virtual Capture functionality by granting the following permissions in System Management > Users and/or System Management > Groups > Security Groups:
- Virtual Capture Screens
- Virtual Capture Settings
- Virtual Capture Workflow Models
To allow a user to configure the Loan products offered during the virtual application process, permission to the following must also be granted:
- Loan Application Type Management under System Management - Loan
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Configure the following Loan and Virtual Capture functionality in the Lifecycle Management Suite:
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Configure the following if using the Vendor Portal:
- Configure the loan products available for selection within the Vendor Portal in Virtual Capture Settings.
- Enable a vendor's access to the Vendor Portal in Vendor Management.
- Configure authentication credentials for individual vendor users in Vendor Management.
- Configure general and login settings for the Vendor Portal in Virtual Capture Settings.
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| Optional Configurations |
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Determine the Virtual Capture URL to be added to the institution's website. This is the URL that navigates the applicant to the Virtual Capture application when he or she chooses to apply for a product from the institution's website. Reference the section below for an overview of each URL that is available to provide access to Virtual Capture:
 Virtual Capture URLs
Institutions can use one of the following Virtual Capture URLs to automatically direct applicants to a specific location or product when Virtual Capture is accessed from their website:
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Description |
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<Institution site root>/Products
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When this URL is used, applicants are automatically navigated to the first Product Sub-Category that is listed under the first Category in the Product Selection page.
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This is the default Virtual Capture URL for each financial institution. |
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| <Institution site root>/Products?ProductCategory=<Category Name> |
When this URL is used, applicants are automatically navigated to a specific Category in the Product Selection page. For example,
<Institution site root>/Products?ProductCategory=Loan.
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By default, applicants are automatically navigated to the first Product Sub-Category that appears under the Category defined in the URL. If the defined Category does not exist, the system automatically navigates the applicant to the first Category listed in the Product Selection page.
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| <Institution site root>/Products?ProductSubCategory=<Sub-Category Name> |
When this URL is used, applicants are automatically navigated to a specific Sub-Category in the Product Selection page. For example,
<Institution site root>/Products?ProductSubCategory=Auto Loans.
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If the defined Sub-Category does not exist, the system automatically navigates the applicant to the first Sub-Category listed in the Product Selection page.
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| <Institution site root>/Products?ProductCategory=<Category Name>&ProductSubCategory=<Sub-Category Name> |
When this URL is used, applicants are automatically navigated to a specific Category and Sub-Category in the Product Selection page. For example, <Institution site root>/Products?ProductCategory=Loan&ProductSubCategory=Auto Loans. |
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<Institution site root>/CreateApplication?ProductId=<ProductId Number>
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The ProductId for each product is displayed within the grid that appears in the Product Selection tab of Virtual Capture Settings. For more information, please see the Product Selection Tab section of the Virtual Capture Settings topic. |
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When this URL is used, applicants are navigated directly into the virtual application process for the specific product. The location where an applicant is directed is determined by the state of the ProductId and/or applicant's log-in status. For example,<Institution site root>/CreateApplication?ProductId=37.
- If the ProductId in the URL is invalid, the applicant is navigated to the Product Selection page.
- If the ProductId is valid, but the applicant has not completed the log-in process, the applicant is navigated to the Login screen to access an online profile or continue as a guest. Once the log-in process is complete, the applicant is presented with the first screen in the Application Workflow for the product.
- If the ProductId is valid, and the applicant has completed the log-in process, the applicant is presented with the first screen in the Application Workflow for the product.
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An externally available URL must be used to browse the Virtual Capture site, rather than an internal/local host URL. If an internal/local URL is used, the URL may become cached in the application server, and prevent Virtual Capture from being accessed by parties outside of the financial institution. |
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Configure the following for the Online Profile functionality:
- Security Questions
- Five security questions are provided by default, but system administrators can add additional values to the ONLINE_SECURITY_QUESTIONS lookup in System Management > Origination > Field Configurations. These values appear within the Question drop-downs in the Create Online Profile or Manage Profile screens to assist in verifying an applicant's identity when he or she logs on to an online profile from an unrecognized device.
- Password Requirements
- The password requirements for an online profile are determined by the configuration set within the Security tab in System Management > Administrative Settings.
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Create a queue for In-Progress Web Applications.
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Since queuing executes when an application is created, and after decisioning completes, it is recommended to review any decision validations that generate an error and move them to later in the process for web applications, or change them to warnings. This allows the applications to get through decisioning, queue again, and move out of the In-Progress Web Applications queue so the queue only contains applications that are abandoned and those that have not yet made it to decisioning. |
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Update parameters within the Virtual Capture Settings file to apply global changes for the Product Selection process. For example, institutions can customize the name of the link in the top navigation bar, the text and/or images displayed for buttons, as well as the number of minutes that must pass before Virtual Capture is refreshed to display new configurations.
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Customize the look and feel of the Virtual Capture website using Less CSS.
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Please see the Virtual Capture Style Guide for more information about customizing the look and feel of the Virtual Capture application.
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For the IT Resource at a financial institution: If desired, the following URL can be used to send a request to Virtual Capture to ensure the application is running for the institution: <Institution Site Root>/Ping. If the Virtual Capture application is running, a message of "OK" is displayed on the screen. |
Once the above configurations have been made, the virtual application process can begin.
