1. Payment Core
2. Product template
2.1. Business Description
2.1.1. Background
2.1.2. Objectives
2.1.3. Assumptions
2.1.4. Legal & compliance
2.2. Product Requirements
2.2.1. Overview
2.2.1.1. Business Process
2.2.1.2. Domain models
2.2.1.3. State machine diagram
2.2.2. User cases (UML)
2.2.2.1. Context vilidation
2.2.2.1.1. check user status=enabled
2.2.2.1.2. check payment amount=valid
2.2.2.1.3. check user account status=enabled
2.2.2.1.4. check user balance fund-out status=enable
2.2.2.1.5. check user balance amount is sufficient
2.2.2.1.6. check pay via bank card/account check bank card/account enbled (if pay via bank)
2.2.2.1.7. check bank & card limitation
2.2.2.2. Business logic (risk)
2.2.2.3. Edge cases
2.2.2.3.1. External
2.2.2.3.2. Internal
2.2.2.3.3. Fail/Error case
2.2.3. Data analytics
2.2.3.1. Data metrics
2.2.3.1.1. Reports to evaluate business health
2.2.3.2. Date funnel
2.2.3.2.1. End to end funnel from user initiate to pay successfuly)
2.2.3.3. Transaction quality
2.2.3.3.1. Success transaction
2.2.3.3.2. Fail transaction
2.2.4. User journey diagram
2.2.5. Additional Requirements
3. Promotion Core
4. Settlement
5. Transfer Business
5.1. Send money in 1 - 1 chat
5.2. Lixi in group chat
5.2.1. Sender send lx
5.2.1.1. Sender clicks lx entry point
5.2.1.2. Sender iniliate lx
5.2.1.3. Sender pay lx
5.2.1.4. System process lx request allocate amount
5.2.2. Receiver(s) claim envelops
5.2.3. Receiver(s)/late participant(s) open envelops
5.2.4. Sender views summary
5.2.5. Receiver(s) views summary
5.2.6. Ops views lx transaction
5.2.7. System expires lx
5.3. Request Money
5.3.1. by QR
5.4. IBFT
6. User Management
6.1. KYC
6.1.1. KYC bank verification
6.2. User Onboarding
6.2.1. Verification
6.2.1.1. Activating Account
6.2.1.1.1. Activating on mini ZLP
6.2.1.1.2. Binding Zalo and ZaloPay account
6.2.1.1.3. Log-in process
6.2.1.1.4. Zalo Account scenarios
6.2.2. User activation on Zalo
6.2.3. User activation with mobile number on ZaloPay app
6.2.4. User registration on H5
6.3. User transaction history (history)
6.4. User profile
6.5. User Identification
6.5.1. Change PIN
6.5.2. FaceID / TouchID
6.5.3. Forgot PIN
6.5.4. PIN verification