thijooree/docs/thijooree/07-transfer.md

Transfer

The transfer screen initiates account-to-account fund transfers. It supports MIB, BML, and Fahipay as source banks and handles all bank-specific authentication and OTP steps.

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Fragment — TransferFragment

Opened via:

• Navigation menu
• Quick-transfer button on an account row (source pre-selected)
• OPEN_TRANSFER intent action
• OPEN_SCAN_QR intent — opens the QR scanner immediately (newInstanceWithAutoScan())
• QR scan result (recipient and optional amount pre-filled)
• Donate buttons in Settings → About (newInstance(...) with pre-filled recipient)

Factory Methods

All defined in TransferFragment.kt:179-242:

Method	Use case
newInstance(accountNumber, displayName, subtitle, colorHex, imageHash)	Pre-fill recipient (contact tap, recents, donate)
newInstanceFrom(account)	Pre-select a source account (quick-transfer from accounts list)
newInstanceFromQr(accountNumber, displayName, amount, remarks, fromAccountNumber?)	PayMV QR scan
newInstanceFromBmlQr(qrUrl, fromAccountNumber?)	BML ebanking / pay.bml URL scan — locks recipient
newInstanceWithAutoScan()	Open the QR scanner on load

See Transfer Flows for the full routing logic.

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Source Account Selection

A dropdown lists all visible accounts parsed via AccountListParser.from(acc)?.balance. The selected source account determines which bank's transfer flow is used.

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Recipient Entry

The user can specify a recipient in three ways:

1. Manual entry — type an account number directly
2. Contact picker — opens ContactPickerSheetFragment to select a saved contact
3. QR scan — launches QrScannerActivity; a PayMV QR result pre-fills the account number, amount, and remarks; a BML ebanking / pay.bml URL switches the form into BML QR merchant payment mode

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Fields

Field	Notes
Source account	Dropdown; balance shown below
Recipient account number	Text input or filled from contact/QR
Recipient name	Auto-looked up from bank API after account number entry
Amount	Numeric; pre-filled from QR if available
Remarks / purpose	Free text; pre-filled from QR if available

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Recipient Lookup

After the user finishes entering a recipient account number, the app calls the source bank's name-lookup API:

• MIB: account name lookup via MIB API
• BML: beneficiary lookup via BML API
• Fahipay: account name resolution via Fahipay API

The resolved name is displayed below the account number field for the user to confirm.

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Biometric Gate

If both biometrics_enabled and biometrics_transfer_confirm are set in Settings → Security (SettingsSecurityFragment.kt:59), BiometricPrompt is shown before the transfer is submitted. A failed or cancelled biometric blocks submission.

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BML USD → MIB Auto-Add Contact

When the source is a BML USD account and the destination is a MIB account but no saved BML contact exists for it, the app shows a "Contact required" dialog with a Save button that opens AddContactSheetFragment.newInstance(bmlProfileId, accountNumber, recipientName, currency) pre-filled (TransferFragment.kt:1136-1164). The user must save the contact through this sheet before BML can issue a USD cross-bank transfer.

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Bank-Specific Flows

MIB Transfer

1. Validates fields
2. (If biometric gate) prompts biometrics
3. Submits transfer via MibLoginFlow using active MIB session (serialized through mibMutex)
4. On success, shows TransferReceiptFragment

BML Transfer

1. Validates fields
2. (If biometric gate) prompts biometrics
3. Initiates BML transfer — server responds with OTP required
4. Navigates to OtpFragment to collect the TOTP
5. Re-submits with OTP
6. On success, shows TransferReceiptFragment

Fahipay Transfer

1. Validates fields
2. (If biometric gate) prompts biometrics
3. Submits via Fahipay API using stored authID + session cookie
4. On success, shows TransferReceiptFragment

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Transfer Receipt

On success the fragment navigates to TransferReceiptFragment passing the completed transfer details.

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Error Handling

All bank API errors are shown as a Snackbar or inline error message. Session expiry triggers a re-authentication prompt rather than a crash.

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← Transfer History     Next → Contacts