LinX Overview

What is the RocketKOR LinX Service?

LinX (pronounced “Links”) is an orchestration service that allows you to collect information from Customers and perform multiple business activities in a single automated workflow.

Using minimal Customer contact details, such as a mobile number, LinX manages the required communications and processes to securely collect information from your Customers and perform any combination of activities, such as:

Creating new Customer Accounts
Updating existing Customer Accounts
Adding new Financial Accounts for a Customer
Obtaining Customer agreement to legal documents
Executing transactions using new or existing Financial Accounts

LinX provides push notifications to the Business Account with updates on account creation and transaction status events. You can enable push notifications for a Business Account on the RocketKOR Portal.

LinX supports a variety of use cases, such as:

Customer onboarding
Obtaining account debit authorizations
Acceptance of product terms and conditions
Payment collections
Rent collections
Issuing rebates
Automated bank account opening (future feature)
Automated card issuing (future feature)

How Does LinX Work?

Use the RocketKOR APIs or Portal to create a LinX workflow for a new or existing Customer. The workflow defines the activities RocketKOR will execute for the Customer.

The following diagram shows the process to execute a LinX workflow.

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LinX Workflow Request Life Cycle

1. Create and Configure the LinX Workflow

You can create a LinX workflow for a new Customer or an existing RocketKOR Customer — all you need is the Customer’s mobile number.

Use the RocketKOR APIs or Portal to create the workflow and define the activities to execute for the Customer. You can combine any of the following activities:

Create a new Customer Account or lookup an existing Customer Account
Enhance the Customer’s profile
Add a new external bank or card Financial Account for the Customer or lookup one of the Customer’s existing Financial Accounts
Obtain the Customer’s agreement to legal documents
Execute a transaction using the Customer’s Financial Account

You can create a new workflow from scratch or use a LinX workflow template. For details, see LinX Workflow Templates Overview.

2. RocketKOR Contacts the Customer

When you submit the LinX workflow request using the RocketKOR APIs or Portal, RocketKOR sends a link directly to the Customer via SMS. The Customer will use this link to review and complete the steps in the LinX workflow.

Note that the Customer must complete the workflow before the link expires. Customers will receive regular SMS reminders about the link expiry date until they successfully complete the workflow. You can also use the APIs or Portal to extend the link expiry period and to resend the notification to the Customer, as long as the workflow is still active.

3. Customer Completes the LinX Workflow Steps

When the Customer clicks the link they received from RocketKOR, they are directed to the secure RocketKOR Gateway where they can review and confirm the workflow activities. For example, the Customer may be prompted to:

Enter details (such as their name and address) to create a new Customer Account, or enter additional information (such as a mailing address) to enhance their Customer Account
Enter details to create a new external bank or card Financial Account
Accept required documents, such as terms and conditions
Review transaction details
Accept or decline a transaction

If the Customer declines a transaction, they are prompted to select a predefined reason (such as incorrect amount) or specify a reason.

As the Customer completes the LinX workflow steps, RocketKOR executes the activities, such as creating or updating the Customer Account, creating a new Financial Account, storing the Customer’s acceptance of legal documents, and creating a transaction.

4. RocketKOR Confirms the Transaction

If the LinX request includes a transaction, the Customer will receive SMS notifications regarding the transaction status.

If push notifications are enabled, RocketKOR will send status updates to the Business Account regarding account creation and transaction status events.