01 / Operational model
Who acts, and what changes?
Principal and authority origin
A servicing agent under bank operations. Verified customer request plus bank staff delegation.
Consequential action
Change a withdrawal limit or authorized signer.
02 / Action-time control
Make the requested effect testable.
Account ownership, identity verification, change type and maker-checker rule. Block signer changes without independent verification and enforce exact account and limit.
OriginVerified customer request plus bank staff delegation
RequestChange a withdrawal limit or authorized signer
DecisionEvaluate and enforce before effect
03 / Evidence and responsibility
Permission, execution, and outcome are separate.
Customer request, verification result, two approvals, change request and core-banking state.
The bank remains responsible for identity proofing and account correctness.
Primary source