Account and Transaction API Profile - v4.0

• Overview
  • Document Structure
  • Resources
• Basics
  • Overview
    • Steps
    • Sequence Diagram
  • Idempotency
  • Release Management
    • Account Access Consent
      • POST
      • GET
      • DELETE
    • Account Information Resources
      • GET
• Security & Access Control
  • Scopes
  • Grants Types
  • Consent Authorisation
    • Consent Elements
      • Permissions
        • Detail Permissions
        • Reversing Entries
      • Expiration Date Time
      • Transaction To/From Date Time
    • Account Access Consent Status
    • Consent Re-authentication
  • Consent Revocation
  • Access Revocation
  • Changes to Selected Account(s)
  • Account Switching
  • Risk Scoring Information
• Data Model
  • Reused Classes
    • OBProxy1
      • Data Dictionary
    • OBPostalAddress7
      • Data Dictionary
    • OBMandateRelatedInformation1
      • Notes
      • Data Dictionary
    • OBUltimateCreditor1
      • Data Dictionary
    • OBUltimateDebtor1
      • Data Dictionary
  • Using Meta to identify Available Transaction Period
  • Mapping to Schemes & Standards
  • Enumerations
    • Static Enumerations
    • ISO Enumerations
    • Namespaced Enumerations
• Alternative Flows
  • 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

Diagram source

participant PSU
participant AISP
participant ASPSP Authorisation Server
participant ASPSP Resource Server

note over PSU, ASPSP Resource Server
    Step 1: Request account information
end note
PSU -> AISP: Get account/transaction information

note over PSU, ASPSP Resource Server
    Step 2: Setup account access consent
end note
AISP <-> ASPSP Authorisation Server: Establish TLS 1.2 MA
AISP -> ASPSP Authorisation Server: Initiate Client Credentials Grant
ASPSP Authorisation Server -> AISP: access-token
AISP <-> ASPSP Resource Server: Establish TLS 1.2 MA
AISP -> ASPSP Resource Server: POST /account-access-consents
state over ASPSP Resource Server: Consent Status: AWAU
ASPSP Resource Server -> AISP: HTTP 201 (Created), ConsentId

note over PSU, ASPSP Resource Server
Step 3: Authorise consent
end note
alt Redirection (Using Authorization Code Grant)
        AISP -> PSU: HTTP 302 (Found), Redirect (ConsentId)
        PSU -> ASPSP Authorisation Server: Follow redirect (ConsentId)
        PSU <-> ASPSP Authorisation Server: authenticate
        PSU <-> ASPSP Authorisation Server: SCA if required
        PSU <-> ASPSP Authorisation Server: select accounts
        state over ASPSP Resource Server: Consent Status: AUTH
        ASPSP Authorisation Server -> PSU: HTTP 302 (Found), Redirect (authorization-code)
        PSU -> AISP: Follow redirect (authorization-code)
        AISP <-> ASPSP Authorisation Server: Establish TLS 1.2 MA
        AISP -> ASPSP Authorisation Server: Exchange authorization-code for access token
        ASPSP Authorisation Server -> AISP: access-token
    else Decoupled (Using CIBA)
        AISP -> ASPSP Authorisation Server: POST /bc-authorize (login_hint_token)
        ASPSP Authorisation Server -> AISP: OK

        PSU -> ASPSP Authorisation Server: Authorise (Consent Id)
        PSU <-> ASPSP Authorisation Server: authenticate
        PSU <-> ASPSP Authorisation Server: SCA if required
        PSU <-> ASPSP Authorisation Server: select accounts
        state over ASPSP Resource Server: Consent Status: AUTH

        alt Using callback
                ASPSP Authorisation Server -> AISP: Callback (authorization-code)
                AISP <-> ASPSP Authorisation Server: Establish TLS 1.2 MA
                AISP -> ASPSP Authorisation Server: Exchange authorization-code for access token
                ASPSP Authorisation Server -> AISP: access-token
        else Using polling
                AISP <-> ASPSP Authorisation Server: Establish TLS 1.2 MA
                AISP -> ASPSP Authorisation Server: Poll at /token using auth-req-id
                ASPSP Authorisation Server -> AISP: access-token
        end alt
end alt



note over PSU, ASPSP Resource Server
Step 4: Request data
end note
AISP <-> ASPSP Resource Server: Establish TLS 1.2 MA
AISP -> ASPSP Resource Server: GET /accounts
ASPSP Resource Server -> AISP: HTTP 200 (OK), List of accounts containing AccountId(s)


AISP -> ASPSP Resource Server: GET /accounts/{AccountId}/transactions
ASPSP Resource Server -> AISP: HTTP 200 (OK), List of transactions
option footer=bar

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 representative of the version being accessed. e.g. using v4 fields and enums when accessing a consent create don 3.1 on v4.0 endpoints
• 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.

Permissions	Endpoints	Business Logic	Data Cluster Description
ReadAccountsBasic	/accounts /accounts/{AccountId}		Ability to read basic account information
ReadAccountsDetail	/accounts /accounts/{AccountId}	Access to additional elements in the payload	Ability to read account identification details
ReadBalances	/balances /accounts/{AccountId}/balances		Ability to read all balance information
ReadBeneficiariesBasic	/beneficiaries /accounts/{AccountId}/beneficiaries		Ability to read basic beneficiary details
ReadBeneficiariesDetail	/beneficiaries /accounts/{AccountId}/beneficiaries	Access to additional elements in the payload	Ability to read account identification details for the beneficiary
ReadDirectDebits	/direct-debits /accounts/{AccountId}/direct-debits		Ability to read all direct debit information
ReadTransactionsBasic	/transactions /accounts/{AccountId}/transactions /accounts/{AccountId}/statements/{StatementId}/transactions	Permissions must also include at least one of: ReadTransactionsCredits ReadTransactionsDebits	Ability to read basic transaction information
ReadTransactionsDetail	/transactions /accounts/{AccountId}/transactions /accounts/{AccountId}/statements/{StatementId}/transactions	Access to additional elements in the payload Permissions must also include at least one of: ReadTransactionsCredits ReadTransactionsDebits	Ability to read transaction data elements which may hold silent party details
ReadTransactionsCredits	/transactions /accounts/{AccountId}/transactions /accounts/{AccountId}/statements/{StatementId}/transactions	Access to credit transactions. Permissions must also include one of: ReadTransactionsBasic ReadTransactionsDetail	Ability to read only credit transactions
ReadTransactionsDebits	/transactions /accounts/{AccountId}/transactions /accounts/{AccountId}/statements/{StatementId}/transactions	Access to debit transactions. Permissions must also include one of: ReadTransactionsBasic ReadTransactionsDetail	Ability to read only debit transactions
ReadStatementsBasic	/statements /accounts/{AccountId}/statements		Ability to read basic statement details
ReadStatementsDetail	/statements /accounts/{AccountId}/statements /accounts/{AccountId}/statements/{StatementId}/file	Access to additional elements in the payload Access to download the statement file (if the ASPSP makes this available).	Ability to read statement data elements which may leak other information about the account
ReadProducts	/products /accounts/{AccountId}/product		Ability to read all product information relating to the account
ReadOffers	/offers /accounts/{AccountId}/offers		Ability to read all offer information
ReadParty	/accounts/{AccountId}/party /accounts/{AccountId}/parties		Ability to read party information on the account owner.
ReadPartyPSU	/party		Ability to read party information on the PSU logged in.
ReadScheduledPaymentsBasic	/scheduled-payments /accounts/{AccountId}/scheduled-payments		Ability to read basic statement details
ReadScheduledPaymentsDetail	/scheduled-payments /accounts/{AccountId}/scheduled-payments	Access to additional elements in the payload
ReadPAN	All API endpoints where PAN is available as a structured field	Request to access to PAN in the clear	Request to access PAN in the clear across the available endpoints. If this permission code is not in the account-access-consent, the AISP will receive a masked PAN. While an AISP may request to access PAN in the clear, an ASPSP may still respond with a masked PAN if: The ASPSP does not display PAN in the clear in existing online channels The ASPSP takes a legal view to respond with only the masked PAN ASPSP should return last 4 digits unmasked, or ASPSP should return at max first 6 and last 4 digits unmasked. e.g. 5555 **** **** 4444, **** **** **** 4444 etc

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.

Permission - Detail Codes	Data Element Name	Occurrence	XPath
ReadAccountsDetail	Account	0..1	OBReadAccount3/Data/Account/Account
ReadAccountsDetail	Servicer	0..1	OBReadAccount3/Data/Account/Servicer
ReadAccountsDetail	Servicer	0..*	OBReadAccount3/Data/Account/StatementFrequencyAndFormat
ReadBeneficiariesDetail	CreditorAgent	0..1	OBReadBeneficiary3/Data/Beneficiary/CreditorAgent
ReadBeneficiariesDetail	CreditorAccount	0..1	OBReadBeneficiary3/Data/Beneficiary/CreditorAccount
ReadStandingOrdersDetail	CreditorAgent	0..1	OBReadStandingOrder6/Data/StandingOrder/CreditorAgent
ReadStandingOrdersDetail	CreditorAccount	0..1	OBReadStandingOrder6/Data/StandingOrder/CreditorAccount
ReadTransactionsDetail	TransactionInformation	0..1	OBReadTransaction4/Data/Transaction/TransactionInformation
ReadTransactionsDetail	Balance	0..1	OBReadTransaction4/Data/Transaction/Balance
ReadTransactionsDetail	MerchantDetails	0..1	OBReadTransaction4/Data/Transaction/MerchantDetails
ReadTransactionsDetail	CreditorAgent	0..1	OBReadTransaction4/Data/Transaction/CreditorAgent
ReadTransactionsDetail	CreditorAccount	0..1	OBReadTransaction4/Data/Transaction/CreditorAccount
ReadTransactionsDetail	DebtorAgent	0..1	OBReadTransaction4/Data/Transaction/DebtorAgent
ReadTransactionsDetail	DebtorAccount	0..1	OBReadTransaction4/Data/Transaction/DebtorAccount
ReadTransactionsDetail	UltimateCreditor	0..1	OBReadTransaction4/Data/Transaction/UltimateCreditor
ReadTransactionsDetail	UltimateDebtor	0..1	OBReadTransaction4/Data/Transaction/UltimateDebtor
ReadStatementsDetail	StatementAmount	0..*	OBReadStatement1/Data/Statement/StatementAmount
ReadScheduledPaymentsDetail	CreditorAgent	0..1	OBReadScheduledPayment2/Data/ScheduledPayment/CreditorAgent
ReadScheduledPaymentsDetail	CreditorAccount	0..1	OBReadScheduledPayment2/Data/ScheduledPayment/CreditorAccount

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. If SCA is applied in permitted circumstances, 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.

ASPSP must not modify the ExpirationDateTime for an account access consent, and must leave it as provided by the TPP, i.e. null/absent. The change in ExpirationDateTime by ASPSP may be considered as altering the PSU Consent.

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:

	Status	Description
1	AUTH	The account access consent has been successfully authorised.
2	RJCT	The account access consent has been rejected.

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 AUTH or CANC and
• The ExpirationDateTime of the account-access-consent, if specified, has not elapsed.

Where there is no change in the consent parameters required, TPPs should perform a re-authentication / refresh upon the original consent using the same intent-id as before, instead of issuing a new, duplicate consent.

A TPP and PSU may have multiple consents at any point in time.

Consent Revocation

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

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) as soon as is practically possible, to indicate to the ASPSP that the PSU has revoked consent.

Access Revocation

A PSU may revoke AISP's access directly with the ASPSP, via the access dashboard. In such a situation:

• The ASPSP must take the necessary action to revoke access e.g. by revoking/expiring the access token provided to the AISP.
• The status of the account-access-consent must be changed to CANC and the AISP must be allowed to request PSU to re-authenticate the same account-access-consent resource.
• The ASPSP must provide the reasons as appropriate when the status is marked to CANC. For more guidance refer to CEG.
• Upon successful re-authentication by PSU, an ASPSP may issue new authorization code and subsequently new access token to the AISP. The ASPSP must also change the status of the consent back to AUTH which means Authorised.

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 account is barred or frozen.
• The beneficial owner of the account revokes the PSU's mandate or power of attorney to operate the account.

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

Account Switching

In addition to the changes that may take place to a selected account, an account may be switched to another ASPSP through an account switching service such as CASS.

In such a situation:

• The ASPSP should indicate the switching status of the account on the accounts resources.
• The ASPSP may chooose not to return any other resources related to an account that has switched on their corresponding end-points.

Risk Scoring Information

Information for risk scoring and assessment will come via:

• FAPI HTTP headers. These are defined in section 6.2.1 and 6.2.2 (opens new window) of the FAPI 1 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

Reused Classes

OBProxy1

OBProxy1 Data Dictionary

Name	Occurrence	XPath	EnhancedDefinition	Class	Codes
OBProxy1			Specifies an alternate assumed name for the identification of the account.	OBProxy1
Identification	1..1	OBProxy1/Identification	Identification used to indicate the account identification under another specified name.	Max2048Text
Type	0..1	OBProxy1/Type	Type of the proxy identification.	Max35Text
Code	1..1	OBProxy1/Code	Specifies the external proxy account type code, as published in the proxy account type external code set.	For a full list of enumeration values refer to External_CodeSethere (opens new window)	ExternalProxyAccountType1Code

OBPostalAddress7

OBPostalAddress7 Data Dictionary

Name	Occurrence	XPath	EnhancedDefinition	Class	Codes	Pattern
OBPostalAddress7			Information that locates and identifies a specific address, as defined by postal services.	OBPostalAddress7
AddressType	0..1	OBPostalAddress7/AddressType	Identifies the nature of the postal address.	OBAddressType2Code	For a full set of codes see OBAddressType2Code here (opens new window).
CareOf	0..1	OBPostalAddress7/CareOf	The 'care of' address is used whenever sending mail to a person or organisation who does not actually live or work at the address. They will receive the mail for the individual.	Max140Text
PostBox	0..1	OBPostalAddress7/PostBox	Numbered box in a post office, assigned to a person or organisation, where letters are kept until called for	Max16Text
BuildingNumber	0..1	OBPostalAddress7/BuildingNumber	Number that identifies the position of a building on a street.	Max16Text
UnitNumber	0..1	OBPostalAddress7/UnitNumber	Number that identifies the unit of a specific address	Max16Text
BuildingName	0..1	OBPostalAddress7/BuildingName	Name of a referenced building.	Max140Text
Department	0..1	OBPostalAddress7/Department	Identification of a division of a large organisation or building.	Max70Text
SubDepartment	0..1	OBPostalAddress7/SubDepartment	Identification of a sub-division of a large organisation or building.	Max70Text
Room	0..1	OBPostalAddress7/Room	Information that locates and identifies a room to form part of an address.	Max70Text
Floor	0..1	OBPostalAddress7/Floor	Number that identifies the level within a building.	Max70Text
StreetName	0..1	OBPostalAddress7/StreetName	Name of a street or thoroughfare.	Max140Text
TownName	0..1	OBPostalAddress7/TownName	Name of a built-up area, with defined boundaries, and a local government.	Max140Text
TownLocationName	0..1	OBPostalAddress7/TownLocationName	Name of a built-up area, with defined boundaries, and a local government.	Max140Text
DistrictName	0..1	OBPostalAddress7/DistrictName	Number that of the regional area, known as a district, which forms part of an address.	Max140Text
PostCode	0..1	OBPostalAddress7/PostCode	Identifier consisting of a group of letters and/or numbers that is added to a postal address to assist the sorting of mail.	Max16Text
CountrySubDivision	0..1	OBPostalAddress7/CountrySubDivision	Identifies a subdivision of a country such as state, region, county.	Max35Text
Country	0..1	OBPostalAddress7/Country	Nation with its own government.	CountryCode		^[A-Z]{2,2}$
AddressLine	0..7	OBPostalAddress7/AddressLine	Information that locates and identifies a specific address, as defined by postal services, presented in free format text.	Array of Max70Text

OBMandateRelatedInformation1

Notes

• Please note, within in the Frequency object either the CountPerPeriod or the PointInTime field should be provided. It should never be the case that both are used together.

OBMandateRelatedInformation1 Data Dictionary

Name	Occurrence	XPath	EnhancedDefinition	Class	Codes
OBMandateRelatedInformation1			Provides further details of the mandate signed between the creditor and the debtor.	OBMandateRelatedInformation1
MandateIdentification	0..1	OBMandateRelatedInformation1/MandateIdentification	Unique identification, as assigned by the creditor, to unambiguously identify the mandate.	Max35Text
Classification	0..1	OBMandateRelatedInformation1/Classification	Type of direct debit instruction.	For a full list of enumeration values refer to OB_Internal_CodeSethere (opens new window).	OBExternalMandateClassification1Code
CategoryPurposeCode	0..1	OBMandateRelatedInformation1/CategoryPurposeCode	Specifies the high level purpose of the mandate based on a set of pre-defined categories.	For a full list of enumeration values refer to OB_EXternal_CodeSethere (opens new window).	ExternalCategoryPurpose1Code
FirstPaymentDateTime	0..1	OBMandateRelatedInformation1/FirstPaymentDate	The date on which the first payment for a recurrent credit transfer will be made.	ISODateTime
RecurringPaymentDateTime	0..1	OBMandateRelatedInformation1/RecurringPaymentDateTime	he date on which the first recurring payment for a Standing Order schedule will be made. Usage: This must be populated only if the first recurring date is different to the first payment date.	ISODateTime
FinalPaymentDateTime	0..1	OBMandateRelatedInformation1/FinalPaymentDate	The date on which the final payment for a recurrent credit transfer will be made.	ISODateTime
Frequency	1..1	OBMandateRelatedInformation1/Frequency	Regularity with which credit transfer instructions are to be created and processed	OBFrequency6
CountPerPeriod	0..1	OBMandateRelatedInformation1/Frequency/CountPerPeriod	Number of instructions to be created and processed during the specified period.	Int32
PointInTime	0..1	OBMandateRelatedInformation1/Frequency/PointInTime	Further information on the exact point in time the event should take place.	Exact2NumericText
Type	1..1	OBMandateRelatedInformation1/Frequency/Type	A code indicating the point in time for the credit transfer.	OBFrequency6Code	For all enum values see OBFrequency6Code here (opens new window)
Reason	0..1	OBMandateRelatedInformation1/Reason	Reason for the setup of the credit transfer mandate.	Max256Text

OBUltimateCreditor1

OBUltimateCreditor1 Data Dictionary

Name	Occurrence	XPath	EnhancedDefinition	Class	Codes	Pattern
OBUltimateCreditor1			Ultimate party to which an amount of money is due.	OBUltimateCreditor1
Name	0..1	OBUltimateCreditor1/Name	Name by which a party is known and which is usually used to identify that party.	Max140Text
Identification	0..1	OBUltimateCreditor1/Identification	Identification assigned by an institution.	Max256Text
LEI	0..1	OBUltimateCreditor1/LEI	Legal entity identification as an alternate identification for a party. Legal Entity Identifier is a code allocated to a party as described in ISO 17442 "Financial Services - Legal Entity Identifier (LEI)".	Max20Text		^[A-Z0-9]{18,18}[0-9]{2,2}$
SchemeName	0..1	OBUltimateCreditor1/SchemeName	Name of the identification scheme, in a coded form as published in an external list.	For a full list of enumeration values refer to OB_Internal_CodeSet here (opens new window).	OBInternalAccountIdentification4Code
PostalAddress	0..1	OBUltimateCreditor1/PostalAddress	Information that locates and identifies a specific address, as defined by postal services.	OBPostalAddress7

OBUltimateDebtor1

OBUltimateDebtor1 Data Dictionary

Name	Occurrence	XPath	EnhancedDefinition	Class	Codes	Pattern
OBUltimateDebtor1			Ultimate party that owes an amount of money to the (ultimate) creditor.	OBUltimateDebtor1
Name	0..1	OBUltimateDebtor1/Name	Name by which a party is known and which is usually used to identify that party.	Max140Text
Identification	0..1	OBUltimateDebtor1/Identification	Identification assigned by an institution.	Max256Text
LEI	0..1	OBUltimateDebtor1/LEI	Legal entity identification as an alternate identification for a party. Legal Entity Identifier is a code allocated to a party as described in ISO 17442 "Financial Services - Legal Entity Identifier (LEI)".	Max20Text		^[A-Z0-9]{18,18}[0-9]{2,2}$
SchemeName	0..1	OBUltimateDebtor1/SchemeName	Name of the identification scheme, in a coded form as published in an external list.	For a full list of enumeration values refer to OB_Internal_CodeSet here (opens new window).	OBInternalAccountIdentification4Code
PostalAddress	0..1	OBUltimateDebtor1/PostalAddress	Information that locates and identifies a specific address, as defined by postal services.	OBPostalAddress7

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

The definitions and values for enumerations used in the Account and Transaction APIs can be found here (opens new window)

ISO Enumerations

These following ISO Enumerations are used in the Accounts APIs.

ISO Data Type	Fields	ISO Enumeration Values URL
Min3Max4Text	MerchantCategoryCode	https://www.iso.org/standard/33365.html
ActiveOrHistoricCurrencyCode	Currency	https://www.iso20022.org/external_code_list.page
CountryCode	Country	https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2#Officially_assigned_code_elements
ExternalBankTransactionFamily1Code	BankTransactionCode/Code	https://www.iso20022.org/external_code_list.page
ExternalBankTransactionSubFamily1Code	BankTransactionCode/SubCode	https://www.iso20022.org/external_code_list.page

The definitions and values for ISO enumerations in the Account and Transaction APIs can also be found here (opens new window)

Namespaced Enumerations

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

A list of codes can be found in the External_Internal_Codesets repository (opens new window)

Alternative Flows

Multi-Authorisation Consent for Corporate Accounts

Open Banking 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.