Account and Transaction API Profile - v3.1.2

1. Overview
   1. Document Structure
   2. Resources
2. Basics
   1. Overview
      1. Steps
      2. Sequence Diagram
   2. Idempotency
   3. Release Management
      1. Account Access Consent
         1. POST
         2. GET
         3. DELETE
      2. Account Information Resources
         1. GET
3. Security & Access Control
   1. Scopes
   2. Grants Types
   3. Consent Authorisation
      1. Consent Elements
         1. Permissions
            1. Detail Permissions
            2. Reversing Entries
         2. Expiration Date Time
         3. Transaction To/From Date Time
      2. Account Access Consent Status
      3. Consent Re-authentication
   4. Consent Revocation
   5. Changes to Selected Account(s)
   6. Risk Scoring Information
4. Data Model
   1. Using Meta to identify Available Transaction Period
   2. Mapping to Schemes & Standards
   3. Enumerations
      1. Static Enumerations
      2. ISO Enumerations
      3. Namespaced Enumerations
5. Alternative Flows
   1. Multi-Authorisation Consent for Corporate Accounts

Overview

The Account and Transaction API Profile describes the flows and common functionality for the Accounts and Transaction API, which allows an Account Information Service Provider (‘AISP’) to:

• Register an intent to retrieve account information by creating an “account access consent”. This registers the data “permissions”, expiration and historical period allowed for transactions / statements - that the customer (PSU) has consented to provide to the AISP; and
• Subsequently, retrieve account and transaction data.

This profile should be read in conjunction with a compatible Read/Write Data API Profile which provides a description of the elements that are common across all the Read/Write Data APIs, and compatible individual resources.

Document Structure

This document consists of the following parts:

Overview: Provides an overview of the profile.

Basics: Identifies the flows, release management and permission model.

Security & Access Control: Specifies the means for AISPs and PSUs to authenticate themselves and provide consent.

Data Model: Documents mappings and enumerations that apply to all the end-points.

Alternative Flows: Documents rules for alternative flows.

Resources

Each of the Account and Transaction API resources are documented in the Resources and Data Models / AISP area of the specification. Each resource is documented with:

• Endpoints
  • The API endpoints available for the resource.
• Data Model
  • Resource definition.
  • UML diagram.
  • Permissions as they relate to accessing the resource.
  • Data dictionary - which defines fields, re-usable classes, mandatory (1..1) or conditional (0..1) as defined in the Design Principles section, and enumerations.
• Usage Examples

Basics

Overview

The figure below provides a general outline of an account information request and flow using the Account Info APIs.

Steps

Step 1: Request Account Information

• This flow begins with a PSU consenting to allow an AISP to access account information data.

Step 2: Setup Account Access Consent

• The AISP connects to the ASPSP that services the PSU’s account(s) and creates an account-access-consent resource. This informs the ASPSP that one of its PSUs is granting access to account and transaction information to an AISP. The ASPSP responds with an identifier for the resource (the ConsentId - which is the intent identifier). This step is carried out by making a POST request to / account-access-consents endpoint.
• The account-access-consent resource will include these fields below - which describe the data that the PSU has consented with the AISP:
  • Permissions - a list of data clusters that have been consented for access.
  • Expiration Date - an optional expiration for when the AISP will no longer have access to the PSU’s data.
  • Transaction Validity Period - the From/To date range which specifies a historical period for transactions and statements which may be accessed by the AISP.
• An AISP may be a broker for data to other parties, and so it is valid for a PSU to have multiple account-access-consents for the same accounts, with different consent/authorisation parameters agreed.

Step 3: Authorise Consent

• The AISP requests the PSU to authorise the consent. The ASPSP may carry this out by using a redirection flow or a decoupled flow .
  • In a redirection flow, the AISP redirects the PSU to the ASPSP.
    • The redirect includes the ConsentId generated in the previous step.
    • This allows the ASPSP to correlate the account-access-consent that was setup.
    • The ASPSP authenticates the PSU.
    • The ASPSP updates the state of the account-access-consent resource internally to indicate that the account access consent has been authorised.
    • Once the consent has been authorised, the PSU is redirected back to the AISP.
  • In a decoupled flow, the ASPSP requests the PSU to authorise consent on an authentication device that is separate from the consumption device on which the PSU is interacting with the AISP.
    • The decoupled flow is initiated by the AISP calling a back-channel authorisation request.
    • The request contains a ‘hint’ that identifies the PSU, paired with the consent to be authorised.
    • The ASPSP authenticates the PSU and updates the state of the account-access-consent resource internally to indicate that the account access consent has been authorised.
    • Once the consent has been authorised, the ASPSP can make a callback to the AISP to provide an access token.
• The principle we have agreed is that consent is managed between the PSU and the AISP - so the account-access-consent details must not be changed (with the ASPSP) in this step. The PSU will only be able to authorise or reject the account-access-consent details in its entirety.
• During authorisation, the PSU selects accounts that are authorised for the AISP request (in the ASPSP’s banking interface).

Step 4: Request Data

• This is carried out by making a GET request the relevant resource.
• The unique AccountId(s) that are valid for the account-access-consent will be returned with a call to GET /accounts. This will always be the first call once an AISP has a valid access token.

Sequence Diagram

Idempotency

The API endpoints for creating account-access-consent resources are not idempotent.

If a time-out error occurs - then we would expect an AISP to create a new account-access-consent resource - rather than try with the same resource.

Release Management

This section overviews the release management and versioning strategy for the Account and Transaction API.

Account Access Consent

The account-access-consent resource is referred to as an account-request resource in v1 and v2 of this specification. For clarity, it has been generalised to ‘Consent’ in the detail below.

POST

• An AISP must not create a Consent on a newer version, and use it on a previous version
  • E.g., A ConsentId for an account-access-consent created in v3, must not be used to access v2 endpoints.

GET

• An AISP must not access a Consent on an older version, via the Id for a Consent created in a newer version:
  • E.g., An account-access-consent created in v3 accessed via v2 account-request.
• An ASPSP must allow a Consent to be accessed in a newer version.
• An ASPSP must ensure Permissions set associated with a Consent are unchanged when accessed in a different version:
  • E.g., An account-request created in v2 will have the same details when accessed via v2 and v3 (as an account-access-consent).
• An ASPSP must ensure a Consent’s fields are unchanged when accessed in a different version.
• An ASPSP may allow expired Consents to be accessed in a newer version.
• An ASPSP may choose to populate new fields introduced in a resource from previous version sensible defaults (if mandatory) or not populate at all (if not mandatory):
  • E.g., OBReadResponse1/Data/StatusUpdateDateTime introduced in v2 accessed with v1 AccountRequestId can be populated with Last accessed date time, if not already available in the system of records.

DELETE

• An AISP must not delete a Consent on an older version, via an Id for a Consent created in a newer version:
  • E.g., An account-access-consent is created in v3, and request DELETE on v2.
• An ASPSP must support deleting a Consent from a previous version via a newer version:
  • E.g., An account-request is created in v2, and request DELETE on v3.

Account Information Resources

GET

• An AISP may use a token that is bound to a Consent in a previous version, to access an endpoint of a newer version.
• An AISP may use an Id for a Consent created in a previous version to retrieve Account Information resources in a newer version:
  • E.g., AccountRequestId from v2 can be used as ConsentId in v3, to GET /accounts.
• An AISP must not use an Id for a Consent from a newer version to access Account Information resources in a previous version:
  • E.g., ConsentId for an account-access-consent created in v3, must not be used to access v2 Account Information endpoints.
• An AISP must not use an Id for a Consent from a previous version to access a resource introduced in a newer version (as the Consent will not have Permissions required to access the new resource).
• An ASPSP must allow an AISP to use an Id for a Consent from a previous version to access Account Information resource endpoints in a newer version:
  • E.g., AccountRequestId created in v2 must be allowed to access Account Information resource endpoints in v3.
• An ASPSP must reject the request to access a resource, for which a Consent’s Permissions set does not permit.
• An ASPSP may choose to populate new fields introduced in a resource from previous version sensible defaults (if mandatory) or not populate at all:
  • E.g., OBReadResponse1/Data/StatusUpdateDateTime introduced in Version2 accessed with V1 AccountRequestId can be populated with Last accessed date time, if not already available in the system of records.

Security & Access Control

Scopes

The access tokens required for accessing the Account Info APIs must have at least the following scope:

accounts: Ability to read Accounts information

Grants Types

AISPs must use a client credentials grant to obtain a token to access the account-access-consents resource. In the specification, this grant type is referred to as “Client Credentials”.

AISPs must use an authorization code grant using a redirect or decoupled flow to obtain a token to access all other resources. In the specification, this grant type is referred to as “Authorization Code”.

Consent Authorisation

The AISP must create an account-access-consent resource through a POST operation. This resource indicates the consent that the AISP claims it has been given by the PSU to retrieve account and transaction information. At this stage, the consent is not yet authorised as the ASPSP has not yet verified this claim with the PSU.

The ASPSP responds with a ConsentId. This is the intent-id that is used when initiating the authorization code grant (as described in the Trust Framework).

As part of the consent authorization flow:

• The ASPSP authenticates the PSU.
• The ASPSP plays back the consent (registered by the AISP) back to the PSU - to get consent authorisation. The PSU may accept or reject the consent in its entirety (but not selectively).
• The ASPSP presents the PSU with a list of accounts to which the consent will apply.

Once these steps are complete, the consent is considered to have been authorised by the PSU.

Consent Elements

The Account Access Consent resource consists of the following fields, which together form the elements of the consent provided by the PSU to the AISP:

• Permissions: The set of data clusters that the PSU has consented to allow the AISP to access.
• ExpirationDateTime: The date-time up to which the consent is valid.
• TransactionFromDateTime: The earliest point of the transaction / statement historical period that the PSU has consented to provide access to the AISP.
• TransactionToDateTime: The last point of the transaction / statement historical period that the PSU has consented to provide access to the AISP.

Permissions

Permissions codes will be used to limit the data that is returned in response to a resource request.

When a permission is granted for a “Detail” permission code (e.g., ReadAccountsDetail) it implies that access is also granted to the corresponding “Basic” permission code (e.g., ReadAccountsBasic).

While it is duplication for a TPP to request a “Basic” permission code and the corresponding “Detail” permission code, it is not a malformed request, and the ASPSP must not reject solely on the basis of duplication.

The permissions array must contain at least ReadAccountsBasic or ReadAccountsDetail.

The following combinations of permissions are not allowed, and the ASPSP must reject these account-access-consents with a 400 response code:

• Account Access Consents with an empty Permissions array.
• Account Access Consents with a permission code that is not supported by the ASPSP (ASPSPs are expected to publish which API endpoints are supported).
• Account Access Consents with a Permissions array that contains ReadTransactionsBasic but does not contain at least one of ReadTransactionsCredits and ReadTransactionsDebits.
• Account Access Consents with a Permissions array that contains ReadTransactionsDetail but does not contain at least one of ReadTransactionsCredits and ReadTransactionsDebits.
• Account Access Consents with a Permissions array that contains ReadTransactionsCredits but does not contain at least one of ReadTransactionsBasic and ReadTransactionsDetail
• Account Access Consents with a Permissions array that contains ReadTransactionsDebits but does not contain at least one of ReadTransactionsBasic and ReadTransactionsDetail.

Detail Permissions

The additional elements that are granted for “Detail” permissions are listed in this section.

All other fields (other than these fields listed) are available with the “Basic” Permission access.

In addition the ReadStatementsDetail is required to access the statement file download via: /accounts/{AccountId}/statements/{StatementId}/file

Example behaviour of the Permissions for the ReadAccountsBasic and ReadAccountsDetail codes is as follows:

Reversing Entries

It is expected that transactions will be returned in the payload irrespective of whether they are reversing entries, as long as the PSU has provided consent for that type of transaction.

If the PSU has provided permission for ReadTransactionsCredits, the ASPSP must include all credits, including debit reversals.

If the PSU has provided permission for ReadTransactionsDebits, the ASPSP must include all debits, including credit reversals.

Expiration Date Time

The ExpirationDateTime is an optional field which specifies the expiration for AISP access to the PSU’s data.

The field is optional as the consent for AISP access to a PSU’s data may be indefinite. The ExpirationDateTime is different from the RTS requirement for a PSU to re-authenticate after 90 days. The same account-access-consent resource will be re-authenticated with the same ExpirationDateTime as the original request.

The ExpirationDateTime applies to all Permissions (data clusters) being consented.

Transaction To/From Date Time

The TransactionToDateTime and the TransactionFromDateTime specify the period for consented transaction and/or statement history. Both the fields are optional and one may be specified without the other.

The AISP must be restricted to accessing transactions within this period when accessing the transactions resource.

The AISP must be restricted to accessing statements which are completely within this period when accessing the statements resource.

Account Access Consent Status

The Account Access Consent resource may have one of the following status codes after authorisation has taken place:

Consent Re-authentication

Account Access Consents are long-lived consents.

A PSU can re-authenticate an Account Access Consent if:

• The account-access-consent has a status of Authorised and
• The ExpirationDateTime of the account-access-consent, if specified, has not elapsed.

The accounts bound to the account-access-consent are selected in the ASPSP domain.

An ASPSP may allow the PSU to change the selected accounts during consent re-authentication.

Consent Revocation

A PSU may revoke consent for accessing account information at any point in time.

A PSU may revoke authorisation directly with the ASPSP. The mechanisms for this are in the competitive space and are up to each ASPSP to implement in the ASPSP’s banking interface. If the PSU revokes authorisation with the ASPSP, the Status of the account-access-consent resource must be set to Revoked.

The PSU may request the AISP to revoke consent that it has authorised. If consent is revoked with the AISP:

• The AISP must cease to access the APIs at that point.
• The AISP must call the DELETE operation on the account-access-consent resource (before confirming consent revocation with the PSU) to indicate to the ASPSP that the PSU has revoked consent.

Changes to Selected Account(s)

The PSU must select the accounts to which the consent should be applied at the point of consent authorisation.

Subsequent changes to the set of accounts to which the consent authorisation applies may be carried out directly with the ASPSP. The method for doing this lies in the competitive space and is not part of this specification.

Additionally, the set of selected accounts may also change due to external factors. This includes (but is not limited to):

• The account being closed.
• The PSU’s mandate to operate the account is revoked.
• The account is barred or frozen.
• The PSU changes the selected accounts during consent re-authentication.

In these scenarios, only the affected account is removed from the list of selected accounts. The ASPSP must not revoke authorisation to other accounts.

Risk Scoring Information

Information for risk scoring and assessment will come via:

• FAPI HTTP headers. These are defined in Section 6.3 of the FAPI specification and in the Headers section above.
• Additional fields identified by the industry as business logic security concerns - which will be passed in the Risk section of the payload in the JSON object.

No fields for business logic security concerns have been identified for the Account Info APIs.

Data Model

Using Meta to identify Available Transaction Period

For Accounts & Transaction APIs, the Meta section in API responses may contain two additional fields to indicate the date range for which data has been returned.

The transactions or statements for a particular range of dates may be excluded from the response because:

• The ASPSP does not provide historical transactions / statements for that date range.
• The PSU has not consented to transactions / statements for that date range.

The absence of transactions / statements in the payload does not indicate that there were no transactions / statements during that period.

To ensure that the data is interpreted correctly, the ASPSP may provide the date of the first available transaction and last available transaction as part of the response in the Meta section in the FirstAvailableDateTime and LastAvailableDateTime fields.

  "Meta": {
    "TotalPages": 1,
    "FirstAvailableDateTime": "2017-05-03T00:00:00+00:00",
    "LastAvailableDateTime": "2017-12-03T00:00:00+00:00"
  }

Mapping to Schemes & Standards

The Account Info API resources, where possible, have been borrowed from the ISO 20022 camt.052 XML standard. However, has been adapted for APIs based as per our design principles.

Deviations from the camt.052 XML standard are:

• The camt.052 header section and trailer sections have been removed as these are not required for a RESTful API.
• Resources have been identified and payload structures have been designed for these resources rather than a full message (i.e., camt.052) that encompasses all resources in a report format. This has meant we have designed separate endpoints and payloads to cover:
  • accounts
  • balances
  • beneficiaries
  • direct-debits
  • offers
  • party
  • products
  • standing-orders
  • statements
  • transactions
  • scheduled-payments
• New payloads have been designed for beneficiaries, direct-debits, standing-orders, and products resources as these are not in the ISO 20022 standard (or the camt.052 message).
• A DateTime element has been used instead of a complex choice element of Date and DateTime (across all API endpoints). Where time elements do not exist in ASPSP systems, the expectation is the time portion of the DateTime element will be defaulted to 00:00:00+00:00.
• Variations for the accounts structure include:
  • Standardised inline with the Payment API account structures.
  • Contains elements to identify an account Nickname, SecondaryIdentification.
• Variations for the balances structure include:
  • Adding a Type into the CreditLine section to allow for multiple credit line types affecting the available balance.
  • DateTime element has been specified instead of a complex choice of Date and DateTime.
• Variations for the transactions structure include:
  • Renaming “entry” to “transaction” for consistency as this is the language used in the CMA Order and PSD2.
  • DateTime elements used instead of a complex choice of Date and DateTime.
  • Flattening of the structure for BankTransactionCode and ProprietaryBankTransactionCode.
  • Additional information for an AddressLine, MerchantDetails and a running Balance.

Enumerations

Static Enumerations

ISO Enumerations

These following ISO Enumerations are used in the Accounts APIs.

Namespaced Enumerations

The enumerated values specified by Open Banking are documented in Swagger specification and Namespaced Enumerations page.

Alternative Flows

Multi-Authorisation Consent for Corporate Accounts

OBIE Specification doesn’t provide a specific state modelling for Account Access Consent resource where the Authorisation cannot be completed by a Single Authoriser.

It’s up to ASPSP to engage with AISP/PSUs to enable them to facilitate the Account Access in such cases, with an alternative workflow, and the ASPSP must document the behaviour on their Developer Portal.