Account Access Consents - v3.1.4

# Overview

The Account Access Consents API is used by an AISP to request an ASPSP to create a new account-access-consent resource, retrieve the status of account-access-consent resource and delete the account-access-consent resource.

This resource description should be read in conjunction with a compatible Account Information Services API Profile.

# Endpoints

Resource HTTP Operation Endpoint Mandatory? Scope Grant Type Idempotency Key Parameters Request Object Response Object
1 account-access-consents POST POST /account-access-consents Mandatory accounts Client Credentials No OBReadConsent1 OBReadConsentResponse1
2 account-access-consents GET GET /account-access-consents/{ConsentId} Mandatory accounts Client Credentials No OBReadConsentResponse1
3 account-access-consents DELETE DELETE /account-access-consents/{ConsentId} Mandatory accounts Client Credentials No

# POST /account-access-consents

The API allows the AISP to ask an ASPSP to create a new account-access-consent resource.

  • This API effectively allows the AISP to send a copy of the consent to the ASPSP to authorise access to account and transaction information.
  • An AISP is not able to pre-select a set of accounts for account-access-consent authorisation. This is because the behaviour of the pre-selected accounts, after authorisation, is not clear from a Legal perspective.
  • An ASPSP creates the account-access-consent resource and responds with a unique ConsentId to refer to the resource.
  • Prior to calling the API, the AISP must have an access token issued by the ASPSP using a client credentials grant.

The PSU must authenticate with the ASPSP and authorise the account-access-consent for the account-access-consent to be successfully setup. The account-access-consent resource that is created successfully must have the following Status code-list enumeration:

Status Status Description
1 AwaitingAuthorisation The account access consent is awaiting authorisation.

After authorisation has taken place the account-access-consent resource may have these following statuses.

Status Status Description
1 Rejected The account access consent has been rejected.
2 Authorised The account access consent has been successfully authorised.
3 Revoked The account access consent has been revoked via the ASPSP interface. This status is not applicable for the resource created after Ver 3.1.4.

# Status Flow

This is the state diagram for the Status.

 Consent Authorisation.jpg

# GET /account-access-consents/{ConsentId}

An AISP may optionally retrieve an account-access-consent resource that they have created to check its status.

Prior to calling the API, the AISP must have an access token issued by the ASPSP using a client credentials grant.

The usage of this API endpoint will be subject to an ASPSP's fair usage policies.

Once the PSU authorises the account-access-consent resource - the Status of the account-access-consent resource will be updated with "Authorised".

The available Status code-list enumerations for the account-access-consent resource are:

Status Status Description
1 Rejected The account access consent has been rejected.
2 AwaitingAuthorisation The account access consent is awaiting authorisation.
3 Authorised The account access consent has been successfully authorised.
4 Revoked The account access consent has been revoked via the ASPSP interface. This status is not applicable for the resource created after Ver 3.1.4.

# DELETE /account-access-consents/{ConsentId}

If the PSU revokes consent to data access with the AISP, the AISP must delete the account-access-consent resource with the ASPSP as soon as is practically possible.

  • This is done by making a call to DELETE the account-access-consent resource.
  • Prior to calling the API, the AISP must have an access token issued by the ASPSP using a client credentials grant.

TPP should also clear the Account Access Consent resources, from ASPSP's system, which are:

  • Expired, i.e. ExpirationDateTime is lapsed, or ExpirationDateTime is not lapsed, but PSU doesn't want to refresh/re-authenticate it, and
  • Consent Resource may never be referenced by the PSU in AISP or ASPSP domain.

# Data Model

# Account Access Consents - Request

The OBReadConsent1 object will be used for the call to:

  • POST /account-access-consents

# UML Diagram

 OBReadConsent1.gif

# Notes

  • The fields in the OBReadConsent1 object are described in the Consent Elements section.
  • No fields have been identified for the Risk section.

# Data Dictionary

Name Occurrence XPath EnhancedDefinition Class Codes
OBReadConsent1 OBReadConsent1 OBReadConsent1
Data 1..1 OBReadConsent1/Data OBReadData1
Permissions 1..n OBReadConsent1/Data/Permissions Specifies the Open Banking account access data types. This is a list of the data clusters being consented by the PSU, and requested for authorisation with the ASPSP. OBExternalPermissions1Code ReadAccountsBasic ReadAccountsDetail ReadBalances ReadBeneficiariesBasic ReadBeneficiariesDetail ReadDirectDebits ReadOffers ReadPAN ReadParty ReadPartyPSU ReadProducts ReadScheduledPaymentsBasic ReadScheduledPaymentsDetail ReadStandingOrdersBasic ReadStandingOrdersDetail ReadStatementsBasic ReadStatementsDetail ReadTransactionsBasic ReadTransactionsCredits ReadTransactionsDebits ReadTransactionsDetail
ExpirationDateTime 0..1 OBReadConsent1/Data/ExpirationDateTime Specified date and time the permissions will expire. If this is not populated, the permissions will be open ended. ISODateTime
TransactionFromDateTime 0..1 OBReadConsent1/Data/TransactionFromDateTime Specified start date and time for the transaction query period. If this is not populated, the start date will be open ended, and data will be returned from the earliest available transaction. ISODateTime
TransactionToDateTime 0..1 OBReadConsent1/Data/TransactionToDateTime Specified end date and time for the transaction query period. If this is not populated, the end date will be open ended, and data will be returned to the latest available transaction. ISODateTime
Risk 1..1 OBReadConsent1/Risk The Risk section is sent by the initiating party to the ASPSP. It is used to specify additional details for risk scoring for Account Info. OBRisk2

# Account Access Consents - Response

The OBReadConsentResponse1 object will be used for the call to:

  • GET /account-access-consents/{ConsentId}

And response to:

  • POST /account-access-consents

# UML Diagram

 OBReadConsentResponse1.gif

# Notes

  • The OBReadConsentResponse1 object contains the same information as the OBReadConsent1, but with additional fields:
    • ConsentId - to uniquely identify the account-access-consent resource.
    • Status.
    • CreationDateTime.
    • StatusUpdateDateTime.
  • No fields have been identified for the Risk section.

# Data Dictionary

Name Occurrence XPath EnhancedDefinition Class Codes
OBReadConsentResponse1 OBReadConsentResponse1 OBReadConsentResponse1
Data 1..1 OBReadConsentResponse1/Data OBReadDataConsentResponse1
ConsentId 1..1 OBReadConsentResponse1/Data/ConsentId Unique identification as assigned to identify the account access consent resource. Max128Text
CreationDateTime 1..1 OBReadConsentResponse1/Data/CreationDateTime Date and time at which the resource was created. ISODateTime
Status 1..1 OBReadConsentResponse1/Data/Status Specifies the status of consent resource in code form. OBExternalRequestStatus1Code Authorised AwaitingAuthorisation Rejected Revoked
StatusUpdateDateTime 1..1 OBReadConsentResponse1/Data/StatusUpdateDateTime Date and time at which the resource status was updated. ISODateTime
Permissions 1..n OBReadConsentResponse1/Data/Permissions Specifies the Open Banking account access data types. This is a list of the data clusters being consented by the PSU, and requested for authorisation with the ASPSP. OBExternalPermissions1Code ReadAccountsBasic ReadAccountsDetail ReadBalances ReadBeneficiariesBasic ReadBeneficiariesDetail ReadDirectDebits ReadOffers ReadPAN ReadParty ReadPartyPSU ReadProducts ReadScheduledPaymentsBasic ReadScheduledPaymentsDetail ReadStandingOrdersBasic ReadStandingOrdersDetail ReadStatementsBasic ReadStatementsDetail ReadTransactionsBasic ReadTransactionsCredits ReadTransactionsDebits ReadTransactionsDetail
ExpirationDateTime 0..1 OBReadConsentResponse1/Data/ExpirationDateTime Specified date and time the permissions will expire. If this is not populated, the permissions will be open ended. ISODateTime
TransactionFromDateTime 0..1 OBReadConsentResponse1/Data/TransactionFromDateTime Specified start date and time for the transaction query period. If this is not populated, the start date will be open ended, and data will be returned from the earliest available transaction. ISODateTime
TransactionToDateTime 0..1 OBReadConsentResponse1/Data/TransactionToDateTime Specified end date and time for the transaction query period. If this is not populated, the end date will be open ended, and data will be returned to the latest available transaction. ISODateTime
Risk 1..1 OBReadConsentResponse1/Risk The Risk section is sent by the initiating party to the ASPSP. It is used to specify additional details for risk scoring for Account Info. OBRisk2

# Usage Examples

# Post Account Access Consents Request

POST /account-access-consents HTTP/1.1
Authorization: Bearer 2YotnFZFEjr1zCsicMWpAA
x-fapi-auth-date: Sun, 10 Sep 2017 19:43:31 GMT
x-fapi-customer-ip-address: 104.25.212.99
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Content-Type: application/json
Accept: application/json
{
  "Data": {
    "Permissions": [
      "ReadAccountsDetail",
      "ReadBalances",
      "ReadBeneficiariesDetail",
      "ReadDirectDebits",
      "ReadProducts",
      "ReadStandingOrdersDetail",
      "ReadTransactionsCredits",
      "ReadTransactionsDebits",
      "ReadTransactionsDetail",
      "ReadOffers",
      "ReadPAN",
      "ReadParty",
      "ReadPartyPSU",
      "ReadScheduledPaymentsDetail",
      "ReadStatementsDetail"
    ],
    "ExpirationDateTime": "2017-05-02T00:00:00+00:00",
    "TransactionFromDateTime": "2017-05-03T00:00:00+00:00",
    "TransactionToDateTime": "2017-12-03T00:00:00+00:00"
  },
  "Risk": {}
}

# Post Account Access Consents Response

HTTP/1.1 201 Created
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Content-Type: application/json
{
  "Data": {
    "ConsentId": "urn-alphabank-intent-88379",
    "Status": "AwaitingAuthorisation",
    "StatusUpdateDateTime": "2017-05-02T00:00:00+00:00",
    "CreationDateTime": "2017-05-02T00:00:00+00:00",
    "Permissions": [
      "ReadAccountsDetail",
      "ReadBalances",
      "ReadBeneficiariesDetail",
      "ReadDirectDebits",
      "ReadProducts",
      "ReadStandingOrdersDetail",
      "ReadTransactionsCredits",
      "ReadTransactionsDebits",
      "ReadTransactionsDetail",
      "ReadOffers",
      "ReadPAN",
      "ReadParty",
      "ReadPartyPSU",
      "ReadScheduledPaymentsDetail",
      "ReadStatementsDetail"
    ],
    "ExpirationDateTime": "2017-08-02T00:00:00+00:00",
    "TransactionFromDateTime": "2017-05-03T00:00:00+00:00",
    "TransactionToDateTime": "2017-12-03T00:00:00+00:00"

  },
  "Risk": {},
  "Links": {
    "Self": "https://api.alphabank.com/open-banking/v3.1/aisp/account-access-consents/urn-alphabank-intent-88379"
  },
  "Meta": {
    "TotalPages": 1
  }
}

# Status - AwaitingAuthorisation

This is an example of a GET request which is made before the account access consent resource is authorised.

# Get Account Access Consents Request

GET /account-access-consents/urn-alphabank-intent-88379 HTTP/1.1
Authorization: Bearer 2YotnFZFEjr1zCsicMWpAA
x-fapi-auth-date: Sun, 10 Sep 2017 19:43:31 GMT
x-fapi-customer-ip-address: 104.25.212.99
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Accept: application/json

# Get Account Access Consents Response

HTTP/1.1 200 OK
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Content-Type: application/json
{
  "Data": {
    "ConsentId": "urn-alphabank-intent-88379",
    "Status": "AwaitingAuthorisation",
    "StatusUpdateDateTime": "2017-05-02T00:00:00+00:00",
    "CreationDateTime": "2017-05-02T00:00:00+00:00",
    "Permissions": [
      "ReadAccountsDetail",
      "ReadBalances",
      "ReadBeneficiariesDetail",
      "ReadDirectDebits",
      "ReadProducts",
      "ReadStandingOrdersDetail",
      "ReadTransactionsCredits",
      "ReadTransactionsDebits",
      "ReadTransactionsDetail",
      "ReadOffers",
      "ReadPAN",
      "ReadParty",
      "ReadPartyPSU",
      "ReadScheduledPaymentsDetail",
      "ReadStatementsDetail"
    ],
    "ExpirationDateTime": "2017-08-02T00:00:00+00:00",
    "TransactionFromDateTime": "2017-05-03T00:00:00+00:00",
    "TransactionToDateTime": "2017-12-03T00:00:00+00:00"
  },
  "Risk": {},
  "Links": {
    "Self": "https://api.alphabank.com/open-banking/v3.1/aisp/account-access-consents/urn-alphabank-intent-88379"
  },
  "Meta": {
    "TotalPages": 1
  }
}

# Status - Authorised

This is an example of a GET request which is made after the account access consent resource is authorised.

# Get Account Access Consents Request

GET /account-access-consents/urn-alphabank-intent-88379 HTTP/1.1
Authorization: Bearer 2YotnFZFEjr1zCsicMWpAA
x-fapi-auth-date: Sun, 10 Sep 2017 19:43:31 GMT
x-fapi-customer-ip-address: 104.25.212.99
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Accept: application/json

# Get Account Access Consents Response

HTTP/1.1 200 OK
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Content-Type: application/json
{
  "Data": {
    "ConsentId": "urn-alphabank-intent-88379",
    "Status": "Authorised",
    "StatusUpdateDateTime": "2017-05-02T00:05:00+00:00",
    "CreationDateTime": "2017-05-02T00:00:00+00:00",
    "Permissions": [
      "ReadAccountsDetail",
      "ReadBalances",
      "ReadBeneficiariesDetail",
      "ReadDirectDebits",
      "ReadProducts",
      "ReadStandingOrdersDetail",
      "ReadTransactionsCredits",
      "ReadTransactionsDebits",
      "ReadTransactionsDetail",
      "ReadOffers",
      "ReadPAN",
      "ReadParty",
      "ReadPartyPSU",
      "ReadScheduledPaymentsDetail",
      "ReadStatementsDetail"
    ],
    "ExpirationDateTime": "2017-08-02T00:00:00+00:00",
    "TransactionFromDateTime": "2017-05-03T00:00:00+00:00",
    "TransactionToDateTime": "2017-12-03T00:00:00+00:00"
  },
  "Risk": {},
  "Links": {
    "Self": "https://api.alphabank.com/open-banking/v3.1/aisp/account-access-consents/urn-alphabank-intent-88379"
  },
  "Meta": {
    "TotalPages": 1
  }
}

The DELETE /account-access-consents call allows an AISP to delete a previously created account-access-consent (whether it is currently authorised or not). The PSU may want to remove their consent via the AISP instead of revoking authorisation with the ASPSP.

This API call allows the PSU to revoke consent with the AISP, and for that consent to be reflected in authorisation with the ASPSP.

# Delete Account Access Consents Request

DELETE /account-access-consents/urn-alphabank-intent-88379 HTTP/1.1
Authorization: Bearer 2YotnFZFEjr1zCsicMWpAA
x-fapi-auth-date:  Sun, 10 Sep 2017 19:43:31 GMT
x-fapi-customer-ip-address: 104.25.212.99
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d

# Delete Account Access Consents Response

HTTP/1.1 204 No Content
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d

# Post Account Access Consent Request

POST /account-access-consents HTTP/1.1
Authorization: Bearer 2YotnFZFEjr1zCsicMWpAA
x-fapi-auth-date:  Sun, 10 Sep 2017 19:43:31 GMT
x-fapi-customer-ip-address: 104.25.212.99
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Content-Type: application/json
Accept: application/json
{
  "Data": {
    "Permissions": [
      "ReadAccountsBasic",
      "ReadBalances"
    ],
    "ExpirationDateTime": "2017-05-02T00:00:00+00:00",
    "TransactionFromDateTime": "2017-05-03T00:00:00+00:00",
    "TransactionToDateTime": "2017-12-03T00:00:00+00:00"
  },
  "Risk": {}
}

# Post Account Access Consent Response

HTTP/1.1 201 Created
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Content-Type: application/json
{
  "Data": {
    "ConsentId": "urn-alphabank-intent-88379",
    "Status": "AwaitingAuthorisation",
    "StatusUpdateDateTime": "2017-05-02T00:00:00+00:00",
    "CreationDateTime": "2017-05-02T00:00:00+00:00",
    "Permissions": [
      "ReadAccountsBasic",
      "ReadBalances"
    ],
    "ExpirationDateTime": "2017-08-02T00:00:00+00:00",
    "TransactionFromDateTime": "2017-05-03T00:00:00+00:00",
    "TransactionToDateTime": "2017-12-03T00:00:00+00:00"
  },
  "Risk": {},
  "Links": {
    "Self": "https://api.alphabank.com/open-banking/v3.1/aisp/account-access-consents/urn-alphabank-intent-88379"
  },
  "Meta": {
    "TotalPages": 1
  }
}