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This document outlines two foundational use cases that form the core of the online banking authentication and onboarding experience: New User Registration and User Login. These processes are essential for enabling secure, reliable, and user-friendly access to digital banking services.
The New User Registration use case defines the end-to-end workflow required for a prospective user to create an online banking profile. The process includes entering personal information, choosing authentication credentials, and validating key identifiers such as User ID uniqueness and SSN eligibility. The flow ensures data accuracy and system integrity through a series of controlled validation steps and looping alternate flows. Any incorrect or incomplete data triggers a corresponding alternate flow, requiring the user to return to the appropriate step and correct the information before proceeding. System errors are handled through exception flows to maintain operational stability and security. Upon successful completion of all validations, the system creates the new online account and directs the user to the Account Summary page.
The User Login use case supports secure access for existing users by validating both the User ID and Password. The process relies on a similar structure of main flows, alternate flows, and exception flows to ensure the accuracy and security of user authentication. Invalid User ID or Password entries initiate controlled retry loops so users can correct their mistakes without losing progress. Password failures are tracked, and the system automatically locks the account after three failed attempts, ensuring protection against unauthorized access. Successful authentication consistently results in navigation to the Account Summary page.
Together, these use cases establish a consistent, secure, and user-centered foundation for the broader online banking platform. The structured validation loops, clear flow linkages, and defined exception handling ensure reliability, reduce user errors, and maintain the integrity of sensitive customer information. These requirements serve as the basis for design, development, and testing activities to support seamless digital access for all customers.
The requirements and use case definitions presented in this document establish a comprehensive foundation for a secure and efficient online banking authentication and enrollment process. The Register User and Login use cases outline the essential steps, validations, and system behaviors needed to ensure that users can reliably create accounts and access their information through a consistent and user-friendly interface.
By incorporating detailed main flows, validation loops, alternate flows, and exception handling, the system is designed to support accuracy, reduce user errors, and maintain robust security standards. These flows ensure that users remain in control of their actions, are guided toward correcting mistakes, and are protected from unauthorized access through mechanisms such as account lockouts and data verification checks.
Implementing these requirements will support the organization’s broader goal of providing accessible, 24/7 digital banking services while reducing dependence on call center operations. The clearly defined interactions between the user and the system create a predictable and seamless experience, supporting long-term customer satisfaction and operational efficiency.
Overall, this use-case document provides a complete blueprint for the authentication and onboarding components of the online banking platform. It will serve as a key reference for all design, development, and quality assurance efforts moving forward, ensuring the solution is delivered with accuracy, consistency, and alignment with business objectives.
Emmanuel Olorunda
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