{
  "id": "template_bch_tef_001",
  "name": "Transferencia TEF",
  "companyName": "BancoDeChile-Transferencia",
  "domain": "https://www.bancochile.cl",
  "requirements": "Financial Services - Transferencia Electronica de Fondos",
  "csuitePrompt": "",
  "journeyPrompt": "",
  "originalConfig": {
    "companyName": "BancoDeChile-Transferencia",
    "domain": "https://www.bancochile.cl",
    "industryType": "Financial Services",
    "journeyType": "Transferencia TEF",
    "journeyDetail": "Transferencia TEF",
    "journeyId": "journey_bch_tef_2026",
    "journeyStartTime": "2026-06-16T00:00:00.000Z",
    "steps": [
      {
        "stepIndex": 1,
        "stepName": "AutenticacionCliente",
        "serviceName": "AutenticacionClienteService",
        "description": "Cliente ingresa al portal o app con RUT y clave. Validacion de segundo factor (token, biometria). Verificacion de dispositivo conocido",
        "category": "Autenticacion",
        "timestamp": "2026-06-16T00:00:00.000Z",
        "estimatedDuration": 2,
        "businessRationale": "Login debe ser menor a 3 segundos incluyendo 2FA. Falla bloquea al 100% de los clientes.",
        "substeps": [
          {"substepName": "ValidacionRUTClave", "duration": 0.5},
          {"substepName": "VerificacionSegundoFactor", "duration": 1},
          {"substepName": "ValidacionDispositivo", "duration": 0.5}
        ]
      },
      {
        "stepIndex": 2,
        "stepName": "SeleccionCuentaOrigen",
        "serviceName": "SeleccionCuentaOrigenService",
        "description": "Cliente selecciona cuenta de origen. Sistema muestra saldo disponible en tiempo real y ultimos movimientos",
        "category": "Consulta",
        "estimatedDuration": 1,
        "businessRationale": "Saldo debe mostrarse en tiempo real. Saldo desactualizado puede generar sobregiro.",
        "substeps": [
          {"substepName": "ConsultaCuentasCliente", "duration": 0.5},
          {"substepName": "ConsultaSaldoTiempoReal", "duration": 0.5}
        ]
      },
      {
        "stepIndex": 3,
        "stepName": "IngresoDestinatario",
        "serviceName": "IngresoDestinatarioService",
        "description": "Cliente ingresa datos del destinatario: RUT, banco destino, tipo cuenta, numero cuenta. Validacion de formato y busqueda en agenda frecuentes",
        "category": "IngresoDatos",
        "estimatedDuration": 2,
        "businessRationale": "Error en numero de cuenta genera devolucion que toma 48-72 horas.",
        "substeps": [
          {"substepName": "IngresoDatosDestinatario", "duration": 1},
          {"substepName": "ValidacionFormatoCuenta", "duration": 0.5},
          {"substepName": "BusquedaAgendaFrecuentes", "duration": 0.5}
        ]
      },
      {
        "stepIndex": 4,
        "stepName": "ValidacionAntifraude",
        "serviceName": "ValidacionAntifraudeTEFService",
        "description": "Motor antifraude evalua: monto vs patron habitual, destinatario nuevo, hora inusual, dispositivo desconocido",
        "category": "Antifraude",
        "estimatedDuration": 2,
        "businessRationale": "Fraude en transferencias es la mayor perdida operacional. Falso negativo es irrecuperable.",
        "substeps": [
          {"substepName": "EvaluacionRiesgoTransaccion", "duration": 1},
          {"substepName": "ScoringAntifraudeTEF", "duration": 0.5},
          {"substepName": "DecisionAutorizarBloquear", "duration": 0.5}
        ]
      },
      {
        "stepIndex": 5,
        "stepName": "ProcesamientoTEF",
        "serviceName": "ProcesamientoTEFService",
        "description": "Ejecucion de la transferencia via CCA del Banco Central. Debito cuenta origen, mensaje interbancario, credito cuenta destino",
        "category": "Procesamiento",
        "estimatedDuration": 2,
        "businessRationale": "TEF debe procesarse en menos de 30 segundos por regulacion CMF. Falla en CCA bloquea todo Chile.",
        "substeps": [
          {"substepName": "DebitoCuentaOrigen", "duration": 0.5},
          {"substepName": "EnvioMensajeInterbancarioCCA", "duration": 1},
          {"substepName": "ConfirmacionCreditoDestino", "duration": 0.5}
        ]
      },
      {
        "stepIndex": 6,
        "stepName": "ConfirmacionNotificacion",
        "serviceName": "ConfirmacionNotificacionTEFService",
        "description": "Confirmacion de transferencia exitosa. Comprobante por email, notificacion push, actualizacion saldo y cartola digital",
        "category": "Notificacion",
        "estimatedDuration": 1,
        "businessRationale": "Comprobante inmediato es requisito CMF. Demora genera llamada al call center.",
        "substeps": [
          {"substepName": "GeneracionComprobante", "duration": 0.3},
          {"substepName": "NotificacionPushYEmail", "duration": 0.4},
          {"substepName": "ActualizacionCartola", "duration": 0.3}
        ]
      }
    ],
    "id": "bch-tef-001",
    "name": "Banco de Chile - Transferencia Electronica TEF",
    "timestamp": "2026-06-16T00:00:00.000Z",
    "source": "custom",
    "additionalFields": {
      "orderTotal": 250000,
      "transactionValue": 250000,
      "averageOrderValue": 250000,
      "contractValue": 0,
      "annualRevenue": 15000000,
      "revenuePerCustomer": 15000000,
      "profitMargin": 0.5,
      "customerLifetimeValue": 15000000,
      "lifetimeValue": 15000000,
      "acquisitionCost": 80000,
      "conversionProbability": 0.99,
      "conversionRate": 99,
      "engagementScore": 90,
      "timeToConversion": 30,
      "netPromoterScore": 58,
      "satisfactionRating": 4.4,
      "retentionProbability": 0.94,
      "processingTime": 8.5,
      "operationalCost": 5,
      "efficiencyRating": 98,
      "complianceScore": 99,
      "channel": ["App Movil", "Portal Web", "App Movil", "Portal Web", "App Movil"],
      "deviceType": ["mobile", "desktop", "mobile", "desktop", "mobile"],
      "region": ["Santiago", "Valparaiso", "Concepcion", "Antofagasta", "Temuco"],
      "customerSegmentValue": ["Premium", "Persona", "Empresa", "Premium", "Persona"],
      "segment": ["Pago arriendo", "Transferencia familiar", "Pago proveedor", "Inversion", "Pago servicio"],
      "Productname": ["TEF Inmediata", "TEF Programada", "TEF Masiva", "TEF Internacional", "TEF Cuenta RUT"],
      "ProductId": ["TEF-INM-001", "TEF-PRG-002", "TEF-MAS-003", "TEF-INT-004", "TEF-RUT-005"],
      "ProductType": ["inmediata", "programada", "masiva", "internacional", "basica"],
      "Price": [50000, 250000, 1500000, 5000000, 100000],
      "marketTrend": ["pago_instantaneo", "open_banking", "transferencia_internacional", "criptomonedas", "billetera_digital"]
    }
  },
  "createdAt": "2026-06-16T00:00:00.000Z",
  "isPreloaded": false
}