Co-brand Acquisition and Closed Loop Purchase Journey

Cards

Co-brand Acquisition and Closed Loop Purchase Journey

Co-brand Acquisition and PaySmart Journey allows the customers to apply for Citi Co-brand Partner Credit Card and avail exciting offers from the partner. Once the credit card onboarding is successfully complete, the customers register their credit card and enjoy a great shopping experience along with rewards from top online retailers.

Hong Kong

Existing customers apply for Citi Co-brand partner credit card

Transforming customer experience through digital onboarding process. The existing customers can be onboarded seamlessly and they can conveniently apply for Citi Co-brand partner credit card and avail other exciting offers from the partner.

Existing customers get redirected to Citibank website

When the existing customers click on Apply Now, they are redirected to the Citibank website for completing their Citi Co-brand credit card application.

New customers apply for Citi Co-brand partner credit card

Transforming customer experience through digital onboarding process. The new customers can be onboarded seamlessly and they can conveniently apply for Citi Co-brand partner credit card and avail other exciting offers from the partner.

Customers provide their basic information

Partners to pre-populate the customer's available personal details to be shared with Citibank.

Customers to fill in the remaining details and provide their consent by agreeing to the terms & conditions and share their details with Citibank to process their application.


Refer to the below API callout to create a new application.

API(s) Callout

View Api Callout 1 >

Customers provide other details

The customers provide other details like mother's maiden name, educational level, identification details, monthly income details, residential details, etc. They also provide employment information including industry, work experience, job title, office address, etc.

By clicking on 'Continue', the customer's credit card application is updated and submitted for the background screening.

However, by clicking on 'Save for later' link, the application is saved and an alert is sent to the customer with application reference number (URN) to retrieve the application at later point of time.

 

Refer to the below API callouts:

  • API callout1 to update a saved application.
  • API Callout2 for background screening.

API(s) Callout

View Api Callout 1 > View Api Callout 2 >

Customer's information is processed and the application is submitted

The customers have to wait till the time their shared information is getting processed. At this step, a background process is triggered which returns the In-Principle approval status of the application.

After the In-Principle approval, the application is submitted from the partner site.


Refer to the below API callouts:

  • API callout1 for the In-Principle approval.
  • API callout2 for submitting the application.

API(s) Callout

View Api Callout 1 > View Api Callout 2 >

Application Submission Confirmation

After the application is submitted successfully, the customers receive a confirmation message from Citibank with the application reference number and a link to print the application.

Customers receive a notification for Co-brand credit card application

After submitting the application from partner website, the customers receive a notification from the bank. The notification provides the details for instant provisioning of the credit card.

Customers register their Citi Co-brand partner credit card for the first time usage

The customers can use their Citi Co-brand credit card and enjoy a great shopping experience along with rewards from top online retailers. They need to register their card for the first time usage.

Customers register with last four digit of card and mobile number using Secure Identification

The customers register their preferred Citi Co-brand credit card to use it for their purchases. This allows them to verify their identity without compromising on security.

 

Refer to the below API callout for generating the card access token.

API(s) Callout

View Api Callout 1 >

Validation of the one-time password

The customers complete their registration by validating the one-time password sent to their registered mobile number.

Customers give consent to Citi for sharing information and allowing transactions from partner platform

The customers provide their consent to Citi for sharing information with third parties and allowing transactions from partner platform by clicking on 'Allow'. The control goes back to the partner along with Auth Code. After successful authorization, an access token is issued to the partner.

 

Refer to the below API callout for activating the card access token.

API(s) Callout

View Api Callout 1 >

Registration confirmation

The customers receive a confirmation message after successful registration. They can click on 'Shop Now' to begin their purchase.

Customers select the product for purchase on partner website

The customers can select the product of their choice and click on 'Checkout' to proceed with the purchase.

 

Refer to the below API callout to authorize customer's purchase using his registered credit card.

API(s) Callout

View Api Callout 1 >

Validate the one-time password based on additional authentication

The customers review their purchase summary and validate the one-time password sent to their registered mobile number. This password is based on the additional authentication setup by the partner to authorize the transaction. It is a closed loop authorization between partner and Citibank.

 

Refer to the below API callouts:

  • API callout1 for retrieving the public key used for encryption.
  • API callout2 to validate the one time password.
  • API callout3 to re-generate and send the one-time password.
  • API callout4 to confirm the authorization of a purchase done using card.
  • API callout5 to void the transaction in case of authorization failure.

API(s) Callout

View Api Callout 1 > View Api Callout 2 > View Api Callout 3 > View Api Callout 4 > View Api Callout 5 >

Order confirmation

After the successful order placement, the customers receive a confirmation message that shows the order number along with the date and time of order placement. They also receive a notification from the bank with purchase details.