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User

Definition

This is a user of Swan - an actual person. Swan requires each user of our platform to have a unique and valid phone number. We made this choice because it allows us to offer a much simplified user experience.
Swan is login-less, so users don't have to remember anything; similar to Whatsapp. When it comes to sensitive transactions, our web Strong Customer Authentication gets users' consent and lets Swan verify their identity when necessary (like when they want to make a large transfer).

Authentication

You must perform authentication when a user wishes to access their data (for example by logging into their web banking) or to make transactions through your service, via our API.
Swan's API for user authentication is based on the technology oAuth2 OpenIDConnect. Learn More​
A connected user's data is available at the root of the user query.

User login process

Logging into Swan is easy, but the very first time a user logs in differs from subsequent logins. Here's what the user experience is like after clicking the oAuth URL:
  1. 1.
    The user enters their phone number. This step can be bypassed if you already have this info. Learn more​
    • If onboarding via a mobile phone: a verification code will be sent by sms to confirm the phone number
    • If onboarding via a desktop: a link will be sent by sms to confirm the phone number and subsequently open up the verification process on the smartphone
  2. 2.
    The user enters some personal data: first name, last name, and birthdate. This step can be bypassed if you already have this info. Learn more​
  3. 3.
    The user selects a 6-digit passcode that will be used each time user consent is required. If available on the device, the user can also set up TouchID / FaceID for future consents.
  4. 4.
    The user performs identity verification: a combination of identity documentation and biometric face recognition. This step can be performed later.
  5. 5.
    Then the user can start using Swan!
    • #nocode: they are redirected to your white-labeled web banking, and can start using our services.
    • by API: they are redirected to the redirectUrl that you specified when you created the oAuth link.
      This will have the codeaccessToken for your customer. Learn more. Careful, if a redirectUrl is specified, it must be declared in the list of possible Redirect URLs in the API Credentials tab on the dashboard.
Any subsequent logins will go even quicker: the user will simply confirm their phone number, enter their 6-digit passcode or use biometry, and then they're in!
If the user configured TouchID / FaceID, every time they log in or consent to a sensitive operation on the same device, it will be through their fingerprint or face scan. Here's the list of the supported browsers: https://caniuse.com/webauthn.
Only if they switch to another device will we ask them for their 6-digit passcode.

Identity Verification

Sometimes, a user of Swan must prove their identity. For this purpose, Swan provides secure identity verification that uses streaming live-video and A.I. technology.
The identity verification can be performed 24/7 within a 10-minute timeframe, and includes the following validations:
  • Is the ID document authentic?
  • Is this person real?
  • Does the face presented actually match the ID document?
Once this criteria is validated, the user will be flagged idVerified=true, accessible in the userquery. Unless the user reinitializes their smartphone browser, they will never again have to prove their identity with Swan.
If you wish to test the identity verification process, just connect to the Swan dashboard.
Integrating our API, you'll have to check the idVerified status of your users in order to provide them a link to start the identity verification. We will also provide a link by text message for the user to start or restart the process at any time. Learn more​
Identity verification of a physical person is the first step in the verification of an account holder. Learn More​

Sandbox Users

To make your integration with Swan as seamless as possible, we allow you to create as many Sandbox users as you want from Swan. Sandbox users make it possible to simulate the different processes you may encounter with your real users, once you go live. You can simulate different onboarding scenarios and processes, or practice managing the user rights of your accounts.
When you add members to your project on the dashboard, they have access to the menu Sandbox Users. By default, you have a first Sandbox user: Jon Doe. It is easy to add, modify, or delete Sandbox users from this tab.
Here are the settings you can modify for each Sandbox user:
  • First Name
  • Last Name
  • Birthdate
  • Nationality
  • Verification Status: lets you simulate different steps in the individual account holder verification process (not started, waiting for information, pending, verified)
  • ID verified: lets you simulate whether the identity was verified by Swan (True/False)
  • Auto consent: saves you considerable time during the development phase, by automatically allowing consent, removing the need to repeatedly get consent.
When you are playing in the Sandbox environment - using Swan API, simulating the onboarding of a new account holder, accessing web banking - the user being employed is the one selected in the dashboard. To change users, just select a different one.
Last modified 1mo ago