Example 1: Benefit - ID Mapper

This process illustrates how a beneficiary Cash out a benefit from the bank.

Process Flow

This process allows beneficiaries using their National ID Card to cash out a benefit from the bank.

Process Flow: Registration to SP-system

Section	Description
Actors and Entities	SP system, ID system, beneficiary, Bank, Payment system
Assumptions	Beneficiary already exists in SP-MIS and has an approved benefit. ID system is operational and accessible by banks for real-time verification. Banks are integrated with ID mapper and payment infrastructure. Beneficiary has access to a valid ID (e.g., NID, PIN, biometrics). Consent for data sharing is either pre-collected or obtained during the transaction.
Prerequisites	SP-MIS has generated a payment instruction (ID#, amount). Bank is authorized and integrated into the national SP disbursement ecosystem. Beneficiary presents valid and verifiable credentials (ID, biometrics, or PIN). ID Mapper maintains up-to-date linkages between ID# and bank accounts.
Process Inputs	SP system collect user credentials and send them to ID system.
Process Flow Steps	Step 1: Bank collects ID, PIN, or biometrics from beneficiary and sends it to the ID System for verification. Step 2: The ID System confirms beneficiary’s identity (match or no match) and responds to the bank. Step 3: Bank notifies Maria that her ID has been successfully verified. Step 4: Bank uses the verified ID# to connect to the ID Mapper, ensuring the correct linkage between the bank account and the national ID. Step 5: SP-MIS issues a payment request to the Payment System via the ID Mapper. Step 6: Payment System sends a payment instruction to the bank after validating identity and benefit eligibility. Step 7: Bank disburses the benefit to Maria. A notification or receipt may be provided.
Outputs	Verified and successful cash-out of social benefit to the beneficiary.
Control Points	ID Verification Check: Only proceed if ID system confirms the identity. ID-Account Mapping Validation: Ensure correct linkage via ID mapper to avoid misrouting funds. Consent and Authorization: Confirm consent for sharing ID and benefit data between SP-MIS and the bank. Payment Instruction Integrity: Validate the payment request against the SP-MIS transaction reference. Real-Time Notifications: Beneficiary is notified immediately upon approval or denial of payment.
Exception Handling	Refer to Exception Handling for alternate flows.

Diagram 1 - Cashing out benefit