Special Authentication Flows

Some banks have unique special flows that you may encounter while your end-user is attempting to connect to their bank account. It is possible to test them with FlinksCapital to ensure that you can support them correctly.

Laurentienne

Laurentienne bank has an additional security step during the Authorize request. After answering the usual MFA question, the client must select his personal image from a list.

To test this, change the username to: test_laurentienne

RBC

Sometimes, RBC will ask the client to reset their MFA questions and answers during the account connection step. This situation happens when the bank has determined that a suspicious login attempt was recently made.

To test this, change the username to: test_rbcsecurity

RBC also has a MFA flow in which a trusted user’s device receives a notification to confirm the authentication.
To test this, change the username to: test_realtime

Scotia

Sometimes, Scotia will ask the client to reset their MFA questions and answers during the account connection step. This situation happens when the user incorrectly answered their MFA question 3 times in their latest login attempt.

The client will first have to confirm their identity by answering to questions only they should know the answers to. After this successful confirmation, the client must recreate a new set of 3 questions and answers.

To test this, change the username to: test_scotiasecurity

TD

Some TD clients have activated two factor authentication, requiring the user to select a phone number and an action (Text or Call), then enter a security code.

To test this, change the username to: test_td