Re: [Taler] Withdrawal Flow (was: Taler Android UX)

[Torsten Grote]

On 2020-04-24 06:14, Florian Dold wrote:
> I'm unsure about one aspect:  When you talk about the "select exchange"
> screen, is this literally just the list of exchanges (and some button to
> add a new one), or does it also contain some text like "Do you want to
> withdraw 5 TESTKUDOS from bank.test.taler.net into your wallet?"?

Good point. I think we haven't actually discussed this, since it depends
on whether we pre-set a default exchange for the user or not.

If we do not pre-set one and the user needs to choose on first
withdrawal, providing a list and a button to add a new exchange along
with some context information would be helpful indeed.

> Another thing that's missing is the 2FA step that might happen after the
> user confirms withdrawal in the wallet.  The final arrow is a bit
> misleading, since the transaction doesn't happen immediately.

Maybe I should clarify this more, but the idea so far has been that the
user will be taken to the "transactions" screen for the withdrawal
currency where the withdrawal will be shown as pending.

That reminds me that we need to show 0 balances for currencies that we
do not yet have, but have pending transactions for. Otherwise their
transactions page wouldn't be visible in the UI.

> There are three cases:
> 
> 1. The bank transfer happens immediately, i.e. your bank chose to not
> require 2FA for this transfer, maybe because it's under an amount
> threshold, say <20 EUR per day.

In this case, I expect the pending transaction transform immediately or
very quickly into the actual transaction.

> 2. The 2FA is "detached", i.e. you have to press "confirm" on a physical
> Taler ATM, or a Taler cashier has to do a final "confirm" on their device.

Here, we should probably show an appropriate hint in the pending
transaction as for what kind of confirmation is expected from the user.

> 3. The bank provides a confirmation_url, which allows you to navigate to
> the Web page (or maybe even app!) where you can do the final 2FA step.
> If you are using a desktop browser and a mobile wallet to withdraw, then
> this confirmation_url is already displayed in your browser.  However, if
> you accidentally close it, the wallet would have a way to re-navigate
> you there.  For example by showing a dialog like:
> 
>    waiting for transaction confirmation
>    [ click here to open your bank's confirmation page again ]

This sounds like this could also be shown as part of the pending
withdrawal transaction most likely at the top of your transaction list.

Kind Regards,
Torsten