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Concession Payment Gateway & Certificates

Once an applicant's proposal is vetted and approved by all five verification desks, they are directed to the post-verification settlement gateway to complete the mandatory concession bid bond payment.

Simulation Only

The payment gateway is a high-fidelity simulation of a Central Bank of Nigeria (CBN) RTGS wire transfer. No real funds are transferred. The ₦15,000,000 figure and all clearing house interactions are illustrative only, for demonstration and pilot purposes.

1. Payment Lifecycle States

The payment cycle manages three distinct states under the state.paymentStatus key:

stateDiagram-v2
    [*] --> pending : All 5 Desks Cleared
    pending --> processing : Click "Settle Concession Bid Fee"
    processing --> disbursed : 6-Second CBN RTGS Simulation
    disbursed --> [*] : Print Certificate / Reset Workflow

2. State Breakdown

UI Element: A Verification Audit Trail table listing completion dates, AI confidence scores, status badges, and assigned officers for all 5 desks.

Transaction Details: Highlights the mandatory Concession Bid Bond Fee:

Field Value
Amount ₦15,000,000.00 (Fifteen Million Naira)
Channel CBN Secure RTGS Portal
Type Bid Bond / Escrow Lock

Action: Click "Settle Concession Bid Fee & Lock Contract" to begin processing.

UI Element: A custom loading animation alongside a sequential live log feed simulating direct CBN clearinghouse communication:

  1. Initiating secure RTGS channel with Central Bank of Nigeria (CBN)...
  2. Escrowing bid bond contract & validating clearing house coordinates...
  3. Executing concession bid fee disbursement (₦15,000,000.00)...
  4. Generating cryptographic proof-of-payment & BPE Concession Bond Certificate...

Duration: ~6 seconds (simulated RTGS settlement time).

UI Element: Renders the official BPE Concession Bid Bond Certificate.

Available Actions: - 🖨️ Print Certificate — triggers window.print() with print-optimised CSS - ↺ Reset Workflow — clears application state for a new simulation run

3. Concession Bid Bond Certificate

The certificate is generated in OnboardingFlow.tsx and contains:

Element Description
Gold Official Seal CSS-rendered rotating text ring representing sovereign Nigerian certification
FRN Watermark Embedded Federal Republic of Nigeria crest background watermark
Certificate Number Unique BPE-CB-[RANDOM] ID mapped to the secure transaction record
Issue Date ISO-formatted date of disbursement
Applicant Details Full name, organisation, and verified CAC RC number
Digital Signature Matrix Five officer signature blocks dynamically populated from state.desks

Digital Signature Block Officers

Position Role Desk
1 Verification Officer Desk 1
2 Verification Officer Desk 2
3 Finance Analyst Desk 3
4 Compliance Officer Desk 4
5 Biometric Agent Desk 5

Live Officer Names

The officer names on the certificate are dynamically retrieved from state.desks[n].officerName, reflecting any real-time reassignments made by the Executive in the Command Center.

4. Print Configuration

To ensure the certificate renders cleanly when printed or saved as a PDF, a print media CSS block isolates the certificate and suppresses all other application chrome:

globals.css — @media print
@media print {
  body * {
    visibility: hidden; /* Hide all application chrome */
  }
  #bpe-certificate-print-area,
  #bpe-certificate-print-area * {
    visibility: visible; /* Show only the certificate */
  }
  #bpe-certificate-print-area {
    position: absolute;
    left: 0; top: 0;
    width: 100%;
    background: white !important;
    color: black !important;
    border: 8px double #00985c !important;
    box-shadow: none !important;
    padding: 40px !important;
    -webkit-print-color-adjust: exact !important;
    print-color-adjust: exact !important;
  }
}

Print Background Graphics

When testing print output, enable "Print Background Graphics" in your browser's print dialog to ensure the double gold/emerald border, logo watermark, and coloured badges display correctly on physical sheets or PDF exports.