Categories provide a method of organizing groups of similar Virtual Capture products, while Sub-Categories allow administrators to further organize the Virtual Capture products under each Category, and can be used to identify the specific type of product to be added to the application. For example, Auto Loans. When an applicant selects a Category in the Product Selection page, he or she can then click a sub-category to access the products that are available to add to the application.

This section displays an alphabetical list of the categories and sub-categories assigned to the products configured in the Product Selection tab of Virtual Capture Settings (System Management > origination > Virtual Capture > Virtual Capture Settings).

If all products are listed under the same sub-category, only the category is displayed in the Product Selection page. For more information on product categories and sub-categories, please see the General Product Attributes section of the Virtual Capture Settings topic in this guide.

By default, when an applicant accesses Virtual Capture from an institution's website, he or she is navigated to the first Product Sub-Category that is listed under the first Category in the Product Selection page.

Institutions are able to customize their Virtual Capture URL to automatically direct applicants to a specific product when Virtual Capture is accessed from their website. When this occurs, applicants are automatically navigated to the category and/or sub-category specified in the URL upon accessing Virtual Capture. For more information, please see the Getting Started with Virtual Capture topic in this guide.

Once a category and sub-category are selected within the top of the Product Selection page, applicants are presented with a product card for each active product configured for the sub-category in the Product Selection tab of Virtual Capture Settings.

The contents in each Product Card, and layout of the Product Card section, is determined by the parameters that are set for the large or small device used to access Virtual Capture.

Please see the Device Parameters section in this topic for more information on the configurable settings for large and small devices.

The order in which product cards are listed under the selected sub-category, and the content that appears in each product card, is determined by the following attributes set for the product in the Product Selection tab of Virtual Capture Settings:

The text that is displayed within the button on each product card can also be determined by the system administrator. The following table provides an overview of the button configurations that are available for the Product Selection page:

Button	Available Configuration
	This button appears in the product card for a loan product. If desired, the button text can be updated within a Custom Settings file for the institution. For more information on customizing text for the Apply Now button, please see the Customizing Global Product Selection Settings for Virtual Capture topic in this guide.

To learn more about the behavior of the above buttons during the application process, please see Product Selection within the Virtual Application Process Overview section of this topic.

The Screen Links section of the Virtual Capture web application displays the name of each screen configured in the Virtual Capture Workflow Model assigned to the product. Each screen is numbered according to the order in which they are presented within the workflow model.

Virtual Capture Workflow Models are assigned to loan application types within the Product Selection tab of the Virtual Capture Settings page.

The name of the screen in context is shaded in blue. Once the screen is completed, and  clicked, the next screen in the workflow model is presented and shaded in blue. The previous screen appears as a blue hyperlink that, when clicked, navigates the applicant back to that screen for editing. Screens in the workflow that have not been accessed by clicking  appear in gray text, and cannot be opened by clicking on the screen name.

When Virtual Capture is accessed using a small device, the same behavior occurs within the Screen Links section, but only the number of the screen is displayed as shown in the below example:

The Buttons section of the Virtual Capture web application displays a combination of the following buttons, depending on the screen in context:

Button	Description
	Click this button to save the current screen, and navigate to the previous screen in the application. This button is not displayed for the first screen in the application.
	Click this button to save the information entered within the current screen.
	This button only appears in Guest applications. Click this button to exit the Guest application process and create an online profile. For more information, please see Guest Application in the Online Profile Management topic.
	Click this button to save the current screen and navigate to the next incomplete screen in the application. This button is not displayed for the last screen in the application.
	Click this button to save the current screen and submit the application to the financial institution. This button is only displayed on the final screen in the application workflow category. In the Origination workflow category, clicking  submits the application to the financial institution for decisioning. In the Approval workflow category, clicking  submits the application to the financial institution for disbursement. The Submit button is disabled if the application is in a Pending Review status or is rejected. Depending on the workflow model configuration, screens for the subsequent workflow categories (Underwriting, Approval and Decline) may display after  is selected.
	Click this button to add an applicant, collateral, or reference to an application. Once this button is clicked, fields display to allow information to be entered for the applicant, collateral, or reference. The  button displays for the Additional Applicant, Collateral - Real Estate, Collateral - Vehicle, and Reference panels.
	Click this button to remove an applicant, collateral, or reference from an application. Once this button is clicked, a confirmation window appears to confirm that the applicant, collateral, or reference should be removed from the application. The  button displays for the Additional Applicant, Collateral - Real Estate, Collateral - Vehicle, and Reference panels.

When the Single Sign On method is implemented for an institution, applicants are provided with seamless navigation between the institution's website and the Virtual Capture application.

Once the desired product has been selected by the applicant, clicking  within the product card initializes the application process.

For more information on the Single Sign On process, please see the Virtual Capture Sign On Specifications document available on the Temenos Client Portal.

The Online Profile functionality allows new account holders, and applicants who do not log in through their financial institution's web site, to establish a secure online profile where they can safely create and manage applications in Virtual Capture. The Sign In panel enables applicants to access their secure online profile to create a new application, or view/update an existing application. If an applicant has not created an online profile, this panel also provides the ability to easily create one by clicking the Create an online profile link. The Sign In panel displays upon clicking Sign In in the Navigation Bar, or by selecting a product and clicking  in the product card to populate the Login screen.

For information on creating and managing an online profile, please see the Online Profile Management topic in this guide.

To access an online profile, the applicant must enter his or her email address and password within the corresponding panel fields and click .

The value entered for the password is case sensitive and must be an exact match to the password provided in the Online Profile Management screen.

If the email address and/or password entered does not match the value provided in the Online Profile Management screen, an error message is presented to the applicant upon clicking . If the correct email and/or password is not entered after three attempts, the online profile is locked for 20 minutes. A message displays to inform the applicant that the online profile has been locked and to provide a link for the applicant to update the forgotten password before the 20 minutes expire. For information on how to unlock an online profile, please see the Forgot Password section in this topic.

Upon clicking , one of the following screens may appear:

• User Authentication - Displays when an applicant accesses his or her online profile from an unregistered device.
• Start New Application - Displays when an applicant accesses an online profile from a registered device.

User Authentication

When an applicant accesses his or her online profile from an unregistered device, the User Authentication screen appears to validate the applicant's identity. This screen includes the Security Image and Welcome Phrase configured for the online profile as well as two Challenge questions that must be answered to proceed with the login process. The questions that appear are randomly populated from the list of five questions configured for the online profile.  

To continue with the login process, the applicant must enter a response in each Answer field and click .

The values within each Answer field are masked to ensure the security of the information entered. The responses are not case sensitive, but must match the answers provided in the Online Profile Management screen. If either of the questions are answered incorrectly, two additional Challenge questions are presented to the applicant upon clicking . If both questions are not answered correctly after three attempts, the online profile is locked for 20 minutes. For information on how to unlock an online profile before the 20 minutes expire, please see the Forgot Password section in this topic.

Once both Challenge questions have been answered correctly, the applicant is navigated to the Start New Application screen.

Start New Application

The Start New Application screen provides applicants with the ability to enter the information required to begin the application process, such as their SSN and/or Account Number. Within this screen, the First Name and Last Name fields pre-populate with the first and last name provided for the online profile.

To complete the login process, the applicant must enter an SSN and select Yes or No from the Member drop-down to identify his or her account holder status. If Yes is selected, the Account Number field becomes enabled and is required to complete the screen.

System administrators are provided with the ability to remove the Account Number field from the Start New Application screen by enabling the Hide Account Number parameter within the Login Tab in Virtual Capture Settings. When this parameter is enabled, the Account Number field does not appear in this screen regardless of an applicant's account holder status. For more information on this functionality, please see the Login Tab section of the Virtual Capture Settings topic.

Once all information is complete, clicking  initializes the application process.

For information on the process that occurs after an application is created, please see the Virtual Application Process Overview section in this topic.

Forgot Password

In order to access their online profile, applicants must enter the email address and password they provided in the Online Profile Management screen. In the event that an applicant does not remember the password for his or her online profile, a Forgot Password? link appears under the Sign In panel to allow the applicant to easily reset his or her password.

Applicants must take the following steps to reset their password:

• In the Sign In panel, enter the email address for their online profile.
• Click Forgot Password?
• Upon clicking Forgot Password?, virtual capture attempts to match the email address that was provided with a record located within the database. If a matching email address is located in the database, a success message displays to the Virtual Capture user and a password recovery email is sent to the email address that was provided.
  
  
  

  In order to protect users from a brute force attack, the same message displays to the user if the email address that was entered does not match a record within the database

  
  
•  Within the password recovery email, the following message is displays to the user:

  

• Clicking the Reset Password Link in the email populates the Reset Password screen in Virtual Capture.

  The Reset Password link expires in 24 hours, if not used by the applicant, or expires immediately after an applicant successfully changes his or her password.

• From Reset Password screen, the applicant is able to enter a new password for the online profile within the Password field and then re-enter the password within the Confirm field to confirm the value.

   

• Once all fields are complete, clicking  retains the new password for the online profile.

  The password entered in this field must meet the requirements set by the system administrator in the Security tab of Administrative Settings (System Management > Administrative Settings) or a validation error is received upon clicking . Please see the Administrative Settings topic in this guide for more information.

• If the password meets the necessary requirements, a message appears to confirm that the password was changed successfully. 
• After the password is successfully updated, the applicant is able to access his or her online profile from the Sign In panel. 

Profile Lock-Out

If a correct email address and/or password is not entered within the Sign In panel after three attempts, the applicant's online profile is automatically locked for 20 minutes. When this occurs, a message including a Forgot Password? link displays to inform the applicant that his or her online profile has been locked and provide the ability to unlock the profile before the 20 minutes expires. If desired, the applicant can click Forgot Password? to update his or her password and unlock the online profile following the above steps.

The Guest Login panel provides applicants with the ability to log on to Virtual Capture without creating an online profile.

The title that displays in the header of this panel may differ for each institution, as it displays the value configured for the Panel Title field in the Guest Login section of the Login tab in Virtual Capture Settings.

To continue as a Guest, the applicant must enter information into the required First Name, Last Name, and SSN fields in the panel.

Within the Member drop-down, the applicant can select Yes to identify that he or she is a current account holder with the financial institution or No to identify that he or she is not a current account holder. If Yes is selected, the Account Number field becomes enabled and is required to complete the screen.

System administrators are provided with the ability to remove the Account Number field from the Continue as Guest panel by enabling the Hide Account Number parameter within the Login Tab in Virtual Capture Settings. When this parameter is enabled, the Account Number field does not appear in the Continue as Guest panel regardless of an applicant's account holder status. For more information on this functionality, please see the Login Tab section of the Virtual Capture Settings topic.

Once all information is entered in the Continue as Guest panel, clicking  initializes the application process.

Upon clicking , if Yes is selected from the Member drop-down, and the SSN and Account Number entered within the Login screen does not match an account in the Lifecycle Management Suite, the application is not created and the text configured for the "Error Message for Account Holder not found in Core" parameter in Virtual Capture Settings is displayed. For more information on configuring this parameter, please see the Login Tab section of the Virtual Capture Settings topic.

For information on the process that occurs after an application is created, please see the Virtual Application Process Overview section in this topic.

In addition to supporting the application process for individual applicants, the Lifecycle Management Suite provides vendors with the ability to access the Virtual Capture module to create, submit, and view applications on behalf of their customers.

The Vendor Portal (Merchant Lending) is only available with the Loan Origination module and requires a second instance and URL configuration in Server Manager. Please see the Getting Started with Virtual Capture topic of this guide for more information.

The Vendor Login panel provides individual vendor users with the ability to log on to Virtual Capture with the username and password defined by a system administrator in System Management > Origination > Loan > Vendor Management.

Once the Username and Password fields are complete, click  to initialize the application process.

Reset Password

If the vendor user has forgotten their password, clicking the Reset Password link on the Vendor Login panel displays the Reset Password panel. Within the panel, enter the username and old password, and then enter a new password within the New Password and Confirm Password fields.

If the "Force Password Change on Next Login" option is selected for the user within the Contacts tab in System Management > Origination > Loan > Vendor Management, the Reset Password panel is displayed upon navigating to the Vendor Portal, instead of the Vendor Login panel.

When finished entering the password information, click . Upon successful reset, the vendor user is returned to the Vendor Login panel to login using their username and new password information.