# Account Access Consents - v4.0

Overview
Endpoints
Data Model
- Account Access Consents - Request
- Account Access Consents - Response
Usage Examples

# 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	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	AWAU	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	RJCT	The account access consent has been rejected.
2	AUTH	The account access consent has been successfully authorised.

# 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 "AUTH".

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

	Status	Status Description
1	RJCT	The account access consent has been rejected.
2	AWAU	The account access consent is awaiting authorisation.
3	AUTH	The account access consent has been successfully authorised.
4	CANC	PSU has cancelled access given to the TPP using the ASPSPs access dashboard. OR ASPSP has revoked the access token or the token has been suspended.
5	EXPD	The consent has passed its expiry date. The ASPSP then marks the consent as ‘Expired’

Changes to the Status, such as being rejected, should be captured in StatusReason, an array of StatusReasonCode, StatusReasonDescription and Path.

Field	Description
StatusReasonCode	Specifies the status reason in a code form. For a full description see `OBExternalStatusReason1Code` here (opens new window)
StatusReasonDescription	Description of why the code was returned
Path	Path is optional but relevant when the status reason refers to an object/field and hence conditional to provide JSON path.

# 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

# 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
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. For a full list of enumeration values refer to `OB_Internal_CodeSet` here (opens new window).	OBInternalPermissions1Code
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

# 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.
- StatusReason.
- 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.	For a full list of enumeration values refer to `OB_Internal_CodeSet` here (opens new window).	OBInternalConsentStatus1Code
StatusReason	0..*	OBReadConsentResponse1/Data/StatusReason	Specifies the status reason.	OBStatusReason
StatusReasonCode	0..1	OBReadConsentResponse1/Data/StatusReason/StatusReasonCode	Specifies the status reason in a code form	For a full list of enumeration values refer to `OB_Internal_CodeSet` here (opens new window).	OBExternalStatusReason1Code
StatusReasonDescription	0..1	OBReadConsentResponse1/Data/StatusReason/StatusReasonDescription	Description supporting the StatusReasonCode.	Max500Text
Path	0..1	OBReadConsentResponse1/Data/StatusReason/Path	Path is optional but relevant when the status reason refers to an object/field and hence conditional to provide JSON path.	Max500Text
StatusUpdateDateTime	1..1	OBReadConsentResponse1/Data/StatusUpdateDateTime	Date and time at which the resource status was updated.	ISODateTime
Permissions	1..*	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.	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. For a full list of enumeration values refer to `OB_Internal_CodeSet` here (opens new window)	OBInternalPermissions1Code
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"
  }
}

# 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": "AWAU",
    "StatusUpdateDateTime": "2017-05-02T00:00:00+00:00",
    "CreationDateTime": "2017-05-02T00:00:00+00:00",
    "StatusReason": {
      "StatusReasonCode": "U036", 
      "StatusReasonDescription":"Waiting for completion of consent authorisation to be completed by user",
    },
    "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/v4.0/aisp/account-access-consents/urn-alphabank-intent-88379"
  },
  "Meta": {
    "TotalPages": 1
  }
}

# Status - AWAU

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": "AWAU",
   "StatusReason": {
      "StatusReasonCode": "U036", 
      "StatusReasonDescription":"Waiting for completion of consent authorisation to be completed by user",
    },
    "StatusReasonDescription":"Waiting for completion of consent authorisation to be completed by user",
    "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/v4.0/aisp/account-access-consents/urn-alphabank-intent-88379"
  },
  "Meta": {
    "TotalPages": 1
  }
}

# Status - AUTH

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": "AUTH",
    "StatusReason": {
      "StatusReasonCode": "U038", 
      "StatusReasonDescription":"Consent has been completed successfully"
    },
    "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/v4.0/aisp/account-access-consents/urn-alphabank-intent-88379"
  },
  "Meta": {
    "TotalPages": 1
  }
}

# Status - RJCT

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

# 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": "REJT",
    "StatusReason": {
      "StatusReasonCode": "U038", 
      "StatusReasonDescription":"Data.LocalInstrument is invalid.  Expected ExternalLocalInstrument1Code value, received SEPE",
      "Path": "Data.LocalInstrument"
    },
    "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/v4.0/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-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"
  }
}

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": "AWAU",
    "StatusUpdateDateTime": "2017-05-02T00:00:00+00:00",
    "CreationDateTime": "2017-05-02T00:00:00+00:00",
    "Status": "AWAU",
    "StatusReason": {
      "StatusReasonCode": "U036", 
      "StatusReasonDescription":"Waiting for completion of consent authorisation to be completed by user",
    },
    "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/v4.0/aisp/account-access-consents/urn-alphabank-intent-88379"
  },
  "Meta": {
    "TotalPages": 1
  }
}

Accounts→

# Account Access Consents - v4.0

# Overview

# Endpoints

# POST /account-access-consents

# Account Access Consent Status

# Status Flow

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

# Account Access Consent Status

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

# Data Model

# Account Access Consents - Request

# UML Diagram

# Notes

# Data Dictionary

# Account Access Consents - Response

# UML Diagram

# Notes

# Data Dictionary

# Usage Examples

# Setup Account Access Consent - All Permissions Granted

# Post Account Access Consents Request

# Post Account Access Consents Response

# Status - AWAU

# Get Account Access Consents Request

# Get Account Access Consents Response

# Status - AUTH

# Get Account Access Consents Request

# Get Account Access Consents Response

# Status - RJCT

# Get Account Access Consents Request

# Get Account Access Consents Response

# Delete Account Access Consent

# Delete Account Access Consents Request

# Delete Account Access Consents Response

# Setup Account Access Consent with Limited Permissions

# Post Account Access Consent Request

# Post Account Access Consent Response