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The Virtual Capture Settings page enables administrators to customize the Virtual Capture application process for their institution. This page can be accessed from System Management > Origination > Virtual Capture > Virtual Capture Settings.

Attributes within Virtual Capture Settings

The Virtual Capture Settings page serves as a centralized hub for the important settings used throughout the Virtual application process and provides administrators with the ability to define attributes within the following tabs:

• General
• Product Selection
• Device Parameters
• Login
• Cross-sells
• Vendor Portal General
• Vendor Portal Login

General Tab

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

• General
• Site Header
• Page Footer

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
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 top navigation bar in Virtual Capture.

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 the 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 Product Selection tab provides administrators with the ability to create and manage the loan products available in Virtual Capture.

The grid in this tab displays the following columns of information for each product configured for use in Virtual Capture:

Column	Description
Application Types	Displays the name of the Loan Application Type configured for use in Virtual Capture.
Display Name	Displays how the name of the product appears in Virtual Capture.
Category	Displays the Category assigned to the product.
Sub-Category	Displays the Sub-Category assigned to the product in Virtual Capture.
List Order	Displays the order in which the product is listed in the Product Selection page in Virtual Capture. For additional information on setting the list order for a product, please see the Product Configuration section in this topic.
Active For Individual	Displays a  if the product is enabled for individual applicants 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.
Product Id	Displays the Product Id for the product in Virtual Capture. This value is the arbitrary Id that should be used in the URL to navigate an applicant directly into the application process for the product in Virtual Capture. For more information, please see the section for Optional Configurations in the Getting Started with Virtual Capture topic of this guide.

The buttons within the top of the Product Selection tab provide the ability to perform the following actions:

Button	Description
	Provides the ability to create a new loan product for Virtual Capture.
	Provides the ability to modify the settings for an existing product.

Product Configuration

The Product Configuration window appears upon clicking  and selecting a product, or clicking  to modify a product.

When creating or editing a loan product, the Product Configuration window appears as shown below:

Attributes for a product are defined within the following tabs:

• General
• Replacement Cross-sell

General Product Attributes

The General tab of the Product Configuration 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 product attributes are defined within the General tab of the Product Configuration window:

Product Attribute	Description
Active for Individual	Select this check box to activate the product for individual applicants in Virtual Capture. Active products are available to be selected by the applicant within the Product Selection page.
Active for Vendor	Select this check box to activate the loan product for vendors in Virtual Capture. Active loan products are available to be selected within the Product Selection page that is used by vendors to create an application on behalf of the applicant.
Display Name	Enter the name of the product to be displayed within Virtual Capture. The value entered within this field determines how the product is listed in the virtual application.
Category	Enter the category for the product.  Categories provide a method of organizing groups of Virtual Capture products within the Product Selection page. For example, Loans. When an applicant accesses the Product Selection page in Virtual Capture, he or she can click a category within the top of the page to quickly access the products that are available to apply for under each sub-category.
Sub-Category	Enter the sub-category for the product. Sub-Categories provide a method of further organizing the Virtual Capture products under each Category in the Product Selection page, 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. For an overview of how sub-categories are listed in the Product Selection page, please see the above Category example. If all products are listed under the same sub-category, only the category is displayed in the Product Selection page.
Workflow Model	Select a workflow model from the drop-down list to assign to the Loan Application Type. This drop-down includes a list of all active workflow models configured in System Management > Origination > Virtual Capture > Virtual Capture Workflow Models. Once assigned to a loan product, the workflow model cannot be disabled in the Virtual Capture Workflow Models page.
List Order	Enter a whole number to identify the order in which the product appears in the Product Selection page in Virtual Capture. This field must be set to a whole number or an error is received upon saving the Virtual Capture Settings page. If two or more products under the same category and sub-category include the same List Order, the products are listed alphabetically within the Product Selection page in Virtual Capture. Reference the following section for an overview of this behavior: Products with the Same List Order In the below example, the following products have been configured in Virtual Capture Settings: Product Category Sub-Category List Order New Auto Loan Auto 1 Used Auto Loan Auto 2 Boat Loan Auto 1 Since two of the products include the same list order, the products appear as follows in Virtual Capture: Boat New Auto Used Auto
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 card for the product on the Product Selection page.
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 in the header of the product card when the Display Header Image parameter is set for the applicable device. For more information on the Display Header Image parameter, please see the Device Parameters section in this topic.
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 body of the product card when the Display Card Image parameter is set for the applicable device. For more information on the Display Card Image parameter, please see the Device Parameters section in this topic.

Replacement Cross-sell Attributes

The Replacement Cross-sell tab provides administrators with the ability to activate the loan product as a replacement cross-sell and define the  sales script to display for the cross-sell within Virtual Capture.

Device Parameters Tab

The Device Parameters tab provides administrators with the ability to configure the look and feel of the virtual application on both small and large devices. Within this tab, administrators can set parameters to control how the virtual application is presented on each type of device an applicant may use to access Virtual Capture. For example, a large device such as a tablet or laptop, or a small device, like a smart-phone or mini tablet.

This tab provides the ability to set the following device parameters for both small and large devices:

Device Parameter	Description
Cards Per Page	Select one of the following options to identify the number of product cards to display in a row within the Product Selection page of Virtual Capture: By default, the Cards Per Page parameter is set to 3 for large devices. Since small devices only allow one product card to be displayed within a row in the Product Selection page, this parameter is set to 1 and disabled within the Small Device section. 1 2 3 4 6 Example The below example displays how the product cards appear in the Product Selection page when the Cards Per Page parameter is set to 3 on a large device:
Consistent Card Height	Select the check box to configure all product cards to be the same height within the Product Selection page. This parameter is only enabled when the Cards Per Page parameter is greater than one. When selected, all product cards are set to the same height as the tallest card on the page. If this check box is not selected, the height of the product cards is determined by the amount of content within the card, and does not display consistently within the Product Selection page. Example In the following example, the Consistent Card Height parameter is set to true for a large device; therefore, each product card is set to the same height. In the example below, the Consistent Card Height parameter is set to false; therefore the height of each product card is determined by the amount of content included in the body of the card:
Display Card Image	Select the check box to display the large image for the product within the body of the product card. By default, this parameter is set to false for both large and small devices. When set to true, the image that populates in the body of the product card is the large image configured for the product in the General tab of the Product Configuration window. If this parameter is set to true, but a large image is not uploaded for the product, an image is not displayed within the body of the product card in Virtual Capture. For more information, please see the General Product Attributes section under Product Selection in this topic.
Display Header	Select the check box to display a header row in the top of each product card. By default, this parameter is set to true for small devices, and false for large devices. Example In the following example, the Display Header parameter is set to true; therefore a gray header row is displayed within the product card: When the Display Header parameter is set to false, the product card appears as shown below:
Display Header Image	Select the check box to display the small image for the product within the right side of the header row in the product card. This parameter is set to false by default, and is only enabled when the Display Header parameter is set to true. When set to true, the image that populates in the header row of the product card is the small image configured for the product in the General tab of the Product Configuration window. If this parameter is set to true, but a small image is not uploaded for the product, an image is not displayed within the body of the product card in Virtual Capture. For more information, please see the General Product Attributes section under Product Selection in this topic.
Allow Collapsible Cards	Select the check box to allow the product cards to be collapsed and expanded in the Product Selection page. The Allow Collapsible Cards parameter is only active when the Cards Per Page parameter is equal to 1, and the Display Header parameter is set to true. By default, this parameter is set to true for small devices, and false for large devices. Example In the following example, the Allow Collapsible Cards parameter is set to true; therefore a "^" appears next to the product name in the header row of the card to allow the applicant to easily expand and collapse each product: When the Allow Collapsible Cards parameter is set to false, the expand/collapse behavior is not available and the full card is displayed for each product as shown below: If multiple products are configured for a sub-category, applicants may have to scroll to view each product card on a small device.
Collapse by Default	Select the check box to display all product cards in a collapsed view when the Product Selection page is accessed in Virtual Capture. This parameter is set to false by default, and is only enabled when the Cards Per Page parameter is equal to 1, the Display Header parameter is set to true, and the Allow Collapsible Cards parameter is set to true.

Login Tab

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

• Single Sign-on
• Guest Login
• Blacklist IP Address

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.

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 Blacklist IP Address 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. If the IP address fulfills the Blacklist parameters defined in System Management > Modules > Origination, the IP address is prohibited, and is displayed within the list of blacklisted IP addresses in System Management > Virtual Capture > Blacklist IP Addresses. 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, if the first IP address is not blacklisted, the IP Address field updates to store the second, most-recent IP address.
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 this field is presented to the applicant.

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.

 

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.

The  button within the top of the tab provides the ability to update a cross-sell product for use in Virtual Capture.

Cross-Sell Configuration

Selecting  opens the Cross-sell configuration window to update the cross-sell product for use in Virtual Capture.

The following fields are displayed within the Cross-sell configuration 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. The Cross-sell Name cannot be modified; therefore, this field is disabled in the Cross-sell configuration window.
Cross-sell Type	Displays the cross-sell type as defined in System Management > Origination > Cross-sell Products. The Cross-sell Type cannot be modified; therefore, this field is disabled in the Cross-sell configuration window.
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. To remove an image from a cross-sell product, select the Remove Image check box that appears within the Small Image section. Once this check box is selected, and the Cross-sell configuration window is saved, the image is no longer displayed for the cross-sell product in Virtual Capture.
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 cross-sell product for which they want 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 cross-sell product for which they want 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.

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.

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.

Defining Virtual Capture Settings

To define settings for the Virtual Capture application:

• Complete the desired attributes within the General tab.
• Navigate to the Product Selection tab and perform one of the following actions:

  Create a Product

  To create a product within the Product Selection tab:

  • Click .
  • The Select Product window appears to select the loan application type to create for Virtual Capture.

    If creating a loan product, the Select Product window includes a list of all active loan application types configured in System Management > Origination > Loan > Loan Application Types.

  • Within the Product Configuration window, define the General and Replacement Cross-sell attributes for the product.
  • Once all product attributes are defined, click  to retain the settings and return to the Virtual Capture Settings page. 

  Edit a Product

  The Product Selection tab provides the ability to modify the attributes for an existing product within the Product Configuration window, as well as supports the ability to edit the following fields directly within the grid:

  • Display Name
  • Category
  • Sub-Category
  • List Order

  To modify attributes within the Product Configuration window:

  • Double-click the desired product within the grid, or highlight the product and click .

  • Make the necessary updates within the Product Configuration window.
  • Click  to retain the updated settings and return to the Virtual Capture Settings page.

  To modify values within the grid:

  • Click within the Display Name, Category, Sub-Category, or List Item column for the desired product.
  • Enter the new value for the field, and then click outside of the column.
  • Click  within the top of the Virtual Capture Settings page to retain the modified value(s).

    When a field is updated within the grid,  must be clicked within the top of the Virtual Capture Settings page in order to retain the modified value for the product. If  is not clicked after a field is updated within the grid, the field reverts to the existing value once the Virtual Capture Settings page is refreshed.

  Delete a Product

  To remove a product from Virtual Capture Settings:

  • Highlight the desired product within the Product Selection grid and click .
  • A message appears to confirm that the product should be deleted. Click Yes to remove the product from Virtual Capture or No to retain the product and return to the Product Selection tab.
  • Upon clicking Yes, the product is removed from the Product Selection grid, and is no longer available to add to an application in Virtual Capture.
• Select the Device Parameters tab to define the look and feel of the Product Selection page for both small and large devices.
• When all Device Parameters have been set, navigate to the Login tab to define the settings for the log-in process.
• Upon completion of all Login settings, select the Cross-sells tab to configure the cross-sell products available in Virtual Capture.
• If applicable to the institution, select the Vendor Portal General and Vendor Portal Login tabs to define the settings that control the virtual application process for vendors accessing Virtual Capture through the Vendor Portal.
• Once all settings have been defined, click  within the top of the Virtual Capture Settings page to retain the configurations. 

 

 

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