Credentis

Evidence

Auditable evidence for every authorization.

Credentis records authoritative identity verification, the authorization decision, and its evidence together. The bank can review these records together for audit and investigation.

Authorization and evidence

The authorization and evidence flow

The successful authorization sequence connects eligibility, authoritative identity verification, transaction authorization, evidence finalization, and bank confirmation.

Five-stage authorization flow: initiation and eligibility, authoritative identity verification, transaction authorization, auditable evidence, and bank processing and confirmation.
Evidence is finalized and recorded before the decision with evidence is sent to the bank for receipt confirmation and acknowledgement validation.View full-size diagram (opens in a new tab)

  1. Transaction initiation & eligibility

    • Request received
    • Eligibility & serviceability checks
    • Request accepted

  2. Authoritative identity verification

    • Verification method selected
    • Challenge initiated
    • Customer response validated

  3. Transaction authorization

    • Transaction validation
    • Identity verification
    • Authorization decision
    • Approved

  4. Auditable evidence

    • Evidence finalized
    • Evidence recorded

  5. Bank processing & confirmation

    • Decision with evidence sent to bank
    • Bank receipt confirmed
    • Acknowledgement validated

What the Authorization Records Contain

Structured authorization records link authoritative-token validation, the customer’s deliberate response, the transaction context, and the authorization decision.

Review the Decision and Evidence Together

The bank can review the authorization decision and the evidence supporting it together.

Reconstructability

Why Authorization Evidence Matters

If Credentis changes how the institution determines that a transaction was authorized, it must also produce evidence the institution can reconstruct, review, and defend.

Explain Every Authorization

The bank should be able to see what happened and why.

Credentis preserves the state transitions and decisions showing why a transaction was allowed, rejected, blocked, or failed. These records support operational review, review of authorization decisions and controls, audit, and investigation.

Investigation fields
01
Investigation field
Session identifier
Why it matters
Lets investigators tie the approval event to the exact authorization session under review.
02
Investigation field
Transaction reference
Why it matters
Keeps the authorization evidence anchored to the specific payment or transfer in question.
03
Investigation field
Menu mapping
Why it matters
Shows what the customer was actually shown at the point of decision.
04
Investigation field
User selection
Why it matters
Records the customer’s response within the live authorization interaction.
05
Investigation field
Subscriber continuity result
Why it matters
Records whether subscriber continuity and surrounding checks held as expected.
06
Investigation field
Authorization rule results
Why it matters
Shows how authorization rules and the assessed risk influenced the decision.
07
Investigation field
Lifecycle timestamps
Why it matters
Makes the event reconstructable across creation, delivery, response, expiry, and resolution.
08
Investigation field
Final authorization status
Why it matters
Preserves the final authorization outcome for disputes, oversight, and post-incident review.

Lifecycle events

Created, sent, responded, blocked, rejected, expired, or approved, with timestamps and identifiers that link related authorization events.

Next step

Review Regulatory Compliance and Begin Institutional Inquiry

Regulatory Compliance explains how authorization evidence supports compliance review, audit, and dispute scrutiny. Institutional Inquiry allows a financial institution to begin evaluating Credentis.