Separate data-sharing consent from authority to sign service enrollment; retain scope, recipient and agreement version in the source system.
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| Control point | Applicable design |
|---|---|
| Actors | Business customer and bank service administrator |
| Trigger | Approve authority and service scope before activation |
| Source system | Open Banking / CRM |
| Documents | Enrollment, connection scope and consent records |
| Approval control | Approve authority and service scope before activation |
| Identity and authority | Match the participants, representation authority and document scope before requesting authorization. |
| Signing route | API or Agent connects an agreed VNeID/RS-HUB or Trusted SIC route; fallback requires an approved deployment policy. |
| Business exceptions | Scope change; consent withdrawal; unconfirmed activation |
| Downstream system | Open Banking / Trusted Billing |
Separate data-sharing consent from authority to sign service enrollment; retain scope, recipient and agreement version in the source system.
Customer; organization representative; Open Banking operations review the document and representation authority before authorizing signing.
Correlate the signing request with connection enrollment and data scope and its approved version; retain the transaction reference.
The approved provider creates the signature using the applicable certificate and authorization; do not change routes without approval.
Activation evidence links enrollment, consent, agreement and signing result; bank API access remains a separate configuration.
Scope change; consent withdrawal; unconfirmed activation.
The Open Banking / CRM owner decides whether to amend, cancel or request a new signature. Reconcile delayed callbacks against the original transaction before creating a replacement.
This is a reference implementation workflow. The organization determines business policy, legal requirements and acceptance conditions.
