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
• Account Application Types
• Device Parameters
• Login
• Cross-sells
• Account Origination Check Image

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 message displays when the Application > New Membership field does not have a value of New Member Account Created pr if the New Account Holder Disbursement success message parameter is not populated. 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.
Use Shopping Cart	Allows institutions to suppress applicants from applying for multiple products simultaneously in Virtual Capture. When this parameter is selected, the Shopping Cart displays in Virtual Capture, and applicants are able to create an application with multiple products.   When this parameter is not selected, the following behavior occurs in the Products screen: The shopping cart does not display. The  button within the Product Card is replaced with the  button. The  (counter) does not appear for account products configured to allow multiple instances on an application. An application starts with one instance of the account product selected. The application begins when  is clicked. When this parameter is not selected, the following behavior occurs in the Account Products screen: The shopping cart does not display. The Add Products button only adds one product at a time By default, the value of this parameter is set to true.
Days to show disbursed applications	Enter the number of days that an application displays within the Virtual Capture Application Listing Page, after it has been disbursed. This parameter only works with the Single Sign-On, Online Profile, and Guest Verification log in methods. By default, this parameter is set to 30. If enter “0,” disbursed applications are not able to be accessed in the Application Listing page.
Wait to check for post disbursement documents (seconds)	Enter the number of seconds Virtual Capture waits before checking for post-disbursement documents. If no documents are found, Virtual Capture waits the number of seconds identified in this parameter, before checking again. Virtual Capture continues to check for documents, until the value identified in the "Number of times to check for post disbursement documents" parameter is reached. By default, this parameter is set to 10.
Number of times to check for post disbursement documents	This parameter enables Virtual Capture to check for documents that become available to the applicants, after their application is disbursed. Enter the number of times Virtual Capture checks for post-disbursement documents. By default, this parameter is set to 3.
New Account Holder Disbursement success message	Enter the text that appears to a new account holder within a system success message generated in Virtual Capture after disbursement is successful. This message displays when the Application > New Membership field has a value of New Member Account Created. 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 New Account Holder Disbursement success message 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.
Disbursement document panel message	Enter the text that appears to a applicant within the Document Sets screen in Virtual Capture after disbursement is successful. 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 document panel message 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.

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 (maximum height of 50 pixels). The logo is displayed at the top of the Virtual Capture web page. While the uploaded image has a maximum height of 50 pixels, there is no restriction on the width, which allows the image to maintain the aspect ratio, and display proportionally when the height of the image is scaled down to meet the 50 pixel requirement. 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:

Product Selection Tab

The Product Selection tab provides administrators with the ability to create and manage the account 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:

The order in which products appear in the Product Selection grid is determined by the List Order. Products are listed in descending List Order; however, if two or more products include the same List Order, those products are then organized alphabetically.

Display Name, Category, Sub-Category, and List Order are editable columns that allow administrators to modify the value directly within the grid. For more information, please see the Editing a Product section in this topic.

Column	Description
Application Types	Displays the name of the Account Product 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.
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 account products, replacement cross-sell functionality is only available for loan products.
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 accountproduct 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.

The Product Configuration window for an account product appears as follows:

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.
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, Accounts. 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, Checking Accounts. 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.
Maximum Number Allowed	Enter a whole number to identify the maximum number of the account product allowed on an application. When the maximum number is reached, the applicant is no longer able to add an account product of that type to the application. The number configured for this parameter determines the button that appears for the account product within the Product Selection page in Virtual Capture. Reference the following section for an overview of this behavior: Add Account Product Buttons If the Maximum Number Allowed parameter is set to 1, a  button appears in the product card to only allow the applicant to add one instance of the account product to the application as shown below: If this parameter is set to a number greater than 1, "-" and "+" buttons appear in the card to allow applicants to manage the number of account products that are added to the application: When the maximum number of account products is reached, the "+" is disabled for the product to prevent the applicant from exceeding the maximum number allowed: The placement of the Add Account Product buttons does differ depending on the setting of the Display Header parameter. In the above examples, the Display Header parameter was set to true.
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 Primary Savings Account Savings 1 Basic Savings Account Savings 1 Holiday Savings Account Savings 2 Since two of the products include the same list order, the products appear as follows in Virtual Capture: Basic Savings Primary Savings Holiday Savings
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 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. By default, the large image spans the full width of the product card in the Product Selection page; however, the image can be resized to a desired pixel width prior to uploading if desired. For more information on the Display Card Image parameter, please see the Device Parameters section in this topic.

To remove an image from a product, select the Remove Image check box that appears within the Small Image and Large Image sections. Once this check box is selected, and the product configuration window is saved, the image is no longer displayed for the product in Virtual Capture.

Replacement Cross-sell Attributes

The Replacement Cross-sell functionality does not apply to account products; therefore, the Replacement Cross-sell tab is disabled in the Product Configuration window when creating or editing an account product for Virtual Capture.

Account Application Types Tab

The Account Application Types tab enables administrators to set a default workflow model for Virtual Capture applications that include account products, as well as assign a Virtual Capture workflow model to each Account Application Type. 

This tab includes an editable grid that lists the following columns of information, and provides the ability to assign a value for each Virtual Capture Workflow Model:

Column	Description
Account Application Type	Displays a read-only list of the active Account Application Types configured in System Management > Origination > Account > Account Application Types. If an application type is disabled in the Account Application Types page, the value is removed from the grid in this tab. For more information on Account Application Types, please see the Account Application Types topic in the Administrator Guide.
Virtual Capture Workflow	Displays an editable list of the Virtual Capture workflow models assigned to each Account Application Type. When an Account Application Type does not have a workflow model assigned, a blank value appears in this column, as shown for the General - Checking application type in the above example. When a row is clicked, the field becomes editable and allows administrators to select a value from a drop-down list including all Virtual Capture Workflow Models configured in System Management > Origination > Virtual Capture > Virtual Capture Workflow Models. The drop-down list includes all workflow models configured in the Virtual Capture Workflow Models page, including those that are disabled. If a workflow model is disabled, the word "[INACTIVE]" appears next to the workflow model name. For example, General - Checking INACTIVE]. If a Virtual Capture workflow model is disabled after it is assigned to an Account Application Type, the workflow model remains assigned to the Account Application Type, but the value in the Virtual Capture Workflow Model column is updated to display "[INACTIVE]." If an application including the disabled workflow model comes in through Virtual Capture, the system automatically uses the Default Workflow Model.

The Default Workflow Model field in the top of the tab determines the workflow model that is used in a virtual application when an Account Application Type does not have a workflow model assigned. This field defaults to the first active workflow model configured in the Virtual Capture Workflow Models page in System Management (System Management > Origination > Virtual Capture > Virtual Capture Workflow Models), but can be modified by selecting a new value from the drop-down list.

The Default Workflow Model drop-down includes a list of all active Virtual Capture Workflow Models. If a workflow model is disabled in the Virtual Capture Workflow Models page, the workflow model does not appear in the Default Workflow Model drop-down list. Once assigned as the Default Workflow Model within the Account Application Types tab, the workflow model cannot be disabled in the Virtual Capture Workflow Models page.

Rule Configuration to set the Account Application Type

In order for account applications to be created in Virtual Capture, a Product Selection rule to set the Account Application Type must be authored in System Management > Origination > Rules Management. The Product Selection Rule generates an application for the appropriate Account Application Type based on the criteria defined in the rule. For example, if a different account application type must be assigned for a Checking account product and Savings account product, a Product Selection rule can be authored using host values to set the Account Application Type based on the value of the Account Product Category and Sub-Category.

The following example illustrates a Product Selection decision table rule written under the Application.AccountProducts entity to set Account Application Types based on the Account Product Category and Sub-Category:

There are many ways to author a rule; therefore, the following rule should be used as an example ONLY.

An example of a rule condition for Category and Sub-Category is as follows:

If setting multiple Account Application Types in the rule, a separate Category and Sub-Category condition must be defined for each Account Application Type being set.

Category

Sub-Category

For information on authoring rules in the Lifecycle Management Suite, please see the Rules Management topic in this guide.

Using the above example, when an applicant applies for a checking account product in Virtual Capture, the application is created using the General - Checking account application type. During the application process, the applicant is presented with the Virtual Capture Workflow Model that is assigned to the General - Checking application type in the Account Application Types tab of Virtual Capture Settings.

When an applicant applies for multiple account products at once, if any of the account products are assigned different account application types, the system automatically creates the application using the account application type for the first account product added to the application.

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.

A device that has a width of 768 pixels or greater is considered a large device.

The parameters within this tab control settings for both Virtual Capture and Merchant Lending; however, the Merchant Lending functionality is only available for institutions that use the Loan Origination module.

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 2 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.
Display Progress Bar	Select the check box to display a progress bar in the top of the Virtual Capture application, which can be used to assist applicants with tracking their progress through the Origination stage of the workflow. This parameter is set to false by default, and only displays during the Origination stage of a Virtual Capture application. The progress bar is calculated based on the total amount of panels across all of the Origination screens assigned to the Virtual Capture Workflow Model, and automatically adjusts as applicants move forward or backward through a workflow to display their percentage of completion. Example When set to false, the progress bar does not display in the application.   In the following example, the Display Progress Bar parameter is set to true; therefore, a bar displays within the top of the Virtual Capture application to identify the percentage of the workflow completed by the applicant:   For information on how the percentage complete is calculated, and to see the progress bar in action, please see the Progress Bar section in the Virtual Capture Overview topic.
Field Label Position	Select one of the following options from the drop-down list to determine if field labels appear to the left of a field text box, or above a field text box in Virtual Capture: Left Top This parameter is set to Left by default. This parameter only affects the label placement of data entry fields. Grids and columns are not affected. In addition to controlling the placement of field labels in Application screens, this parameter also determines the placement of field labels in system screens ,such as the Sign In and Manage Profile screens. Example The following example demonstrates how field labels appear when the Field Label Position is set to Left: The following example demonstrates how field labels appear when the Field Label Position is set to Top:

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.

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	By default, this parameter is set to true to pre-populate address, phone, and income information from the core for existing account holders in Virtual Capture. If set to false, the system does not populate the applicant's income and demographic data from the core in Virtual Capture. Demographic information is also pre-populated in a Virtual Capture application when it is accessed in the Lifecycle Management Suite.
Copy Demographics from Previous Applications	By default, this parameter is set to true to pre-populate address, phone, and income information from the most-recent application on record for an existing account holder in Virtual Capture. If set to false, the system does not populate income and demographic data from the applicant's previous application in Virtual Capture. This parameter is only active when Copy Demographics for Account Holder is set to true. If Copy Demographics for Account Holder is set to false, this parameter is disabled as institutions are not able to copy demographics from previous applications unless they also copy the information from core. When both Copy Demographics for Account Holder and Copy Demographics from Previous Applications are set to true, demographic data from the previous application is loaded first, and then any updates to the data from core are applied to the application.
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 Guest Login panel in the Login screen, or the Start New Application screen that populates when creating an application under an Online Profile. Within this section, system administrators are also able to activate the Guest Verification process for their institution, and determine the email message sent to applicants with and without existing guest applications.

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 Guest Login 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 Guest Login 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 Guest Login 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 Guest Login 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 Guest Login panel or Start New Application screen. This field defaults to a blank value.
Guest Verification
Activate Guest Verification	Select the check box to enable the Guest Verification process for the institution. By default, this parameter is set to false. When set to true, an  button appears within the Sign In panel in Virtual Capture, which allows applicants to access applications previously created as a Guest without creating an Online Profile. For more information on the Guest Verification process, please see the Guest Login section under Login Methods in the Virtual Capture Overview topic of this guide. When this parameter is set to false, the Guest Verification Email parameter and the Guest Verification Email with No Application section are disabled within the Login tab.
Guest Verification Email	Select the email to be sent to an applicant upon clicking  when the email address entered within the Sign In panel is associated with one or more existing guest applications. The Guest Verification Email drop-down includes a list of all active Application Email Templates configured in System Management > Origination > Email Templates.  When Activate Guest Verification is set to true, a value must be selected for this parameter in order to save the Virtual Capture Settings page.
Guest Verification Email with No Application	This section provides the ability to define the Subject and Body of the email sent to an applicant upon clicking  when the email address entered within the Sign In panel does not match any existing guest applications in Virtual Capture. Within the Subject textbox, enter the text to appear for the subject of the email. Within the Body section, define the text to appear in the body of the email, which identifies that there are no existing guest applications associated with the email address entered for the Guest Verification process. When Activate Guest Verification is set to true, an email subject and body must be defined within this section in order to save the Virtual Capture Settings page.

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.

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  and account 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.

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.
Include Term	Select this check box to display a Term field within the Cross-sell Details window that provides applicants with the ability to manually enter a length of time (in months) for the account product.
Include Amount	Select this check box to display an Amount field within the Cross-sell Details window that provides applicants with the ability to manually enter the amount of money to deposited for the account product.
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.

Account Origination Check Image

When the Check Image field is configured to appear in an Account Product panel, applicants are able to determine the information that displays on the initial checks issued for an account product during the virtual application process.  

The Account Origination Check Image tab provides the ability to upload the sample check image to be displayed for the Check Image field in Virtual Capture, and define the instructions for applicants to use as a guide in customizing their checks during the virtual application process.

The following fields are displayed within the Account Origination Check Image tab:

Field	Description
Check Image	Displays the image of the sample check that populates for the Check Image field in a virtual application. An ideal check image to use in Virtual Capture is 50 pixels x 50 pixels.
Upload Image	Click Browse... to locate and upload the image to be used to display data for the Check Image field in a virtual application.
Check Image Instructions	Enter the text to display as instructions to assist applicants with customizing their checks in a virtual application.

For more information on the Check Image field, please see the Account Product Check Image Field example in this guide.

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 account product  to create for Virtual Capture.

    If creating an account product, the Select Product window includes a list of all active account products configured in System Management > Origination > Account > Account Products.

  • 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.
• Once all products have been defined, select the Account Application Types tab to assign a Virtual Capture workflow model to each account application type.
• Select the Device Parameters tab to define the look and feel of the virtual application 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 including the Check Image field on an Account Product panel, select the Account Origination Check Image tab to define the instructions for the field, and upload the sample check image to be displayed in the virtual application.
• Once all settings have been defined, click  within the top of the Virtual Capture Settings page to retain the configurations. 

Any changes made within the Virtual Capture Settings page are not applied in Virtual Capture until the web application is refreshed. By default, Virtual Capture is automatically refreshed every 30 minutes to apply the updated configurations from the Lifecycle Management Suite to the Virtual Capture application. Institutions can customize the number of minutes that pass before an automatic refresh of the virtual application occurs. For more information, please see the Customizing Global Product Selection Settings for Virtual Capture topic in this guide. If desired, an IT resource for the financial institution can perform an IIS reset on the DMZ server where Virtual Capture is installed to immediately apply the changes from Virtual Capture Settings; however, it is recommended that the IIS reset is 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.

©2020 Temenos Headquarters SA - all rights reserved.