Page Comparison

openapi: 3.0.1

servers:
  - url: https://<your-ozone-connect-server>

info:
  title: Ozone Connect - Service Initiation APIs
  description: |
    This document provides an API description in [OpenAPI](https://spec.openapis.org/oas/v3.0.1.html)
    for Service Initiation APIs for Ozone Connect.

    These APIs should be implemented by a Financial Institution so that Ozone can deliver Service Initiation capabilities to TPPs

    ### Changes in Release 2024.46.0

    * Changed `tpp` property in `post /payments` to provide more information about the 
      TPP and the Client software statement

    * Removed `FollowingServiceLevel` enum from `CurrencyRequest.ChargeBearer`

    * Removed `PaymentSequenceNumber` from `instruction.PaymentSequenceNumber`

    #### Changes in Release 2024.43.0

    * Added `OpenFinanceBilling` object to request and response body of POST Payments and in GET Payments.

    #### Changes in Release 2024.37.0

    * Added `default` response to each operation to aid understanding of error handling requirements.

    * Added missing `description` properties through the document.

    * Removed `additionalProperties: true` as not required and causes tooling issues

    #### Changes in Version 2024.34.1

    * Removed propagateError field from the Error object.

    * Update exchangeRate and rateType properties

    * Refactored Security Scheme Objects to use common definitions across all API Hub APIs

    * Implemented the correct Security Requirements for this API description, reflecting security patterns available in API Hub

    #### Changes in Version 2024.34

    * Introduced new endpoint Get /payment-consents/{consentId}/refund.

    * Cosmetic changes - Request Response Changes

  contact:
    name: Ozone Financial Technology Limited

  version: 2024.46.0

tags:
  - name: payments
    description: |
      APIs that should be implemented by Financial Institutions to expose Service Initiation capability to TPPs.

security:
  - {}
  - OzoneConnectApiKey: []
  - OzoneConnectClientCredentials: [
      "placeholder"
    ]
  - OzoneConnectJwtAuth: []

paths:
  /payments:
    post:
      tags:
        - payments
      summary: Make a payment
      description: |
        This API is called by Ozone Connect to instruct a Financial Institution to initiate a payment once it has received a payment
        instruction from a TPP that has passed all local validations.

        The Financial Institution must process the payment and indicate a failure response (if the payment fails technical validation) or a
        success response (if the payment passess technical validation and is submitted to the payment rails for processing)

        The Financial Institution must generate a unique `PaymentId` that can be sent on to the TPP as a reference for the payment.

        If the underlying consent has been patched with a `bankConnectToken`, then the token is passed in as the authorization header.

      operationId: makePayment
      parameters:
        # common header parameters that set context
        - $ref: "#/components/parameters/providerId"
        - $ref: "#/components/parameters/aspspId"
        - $ref: "#/components/parameters/callerOrgId"
        - $ref: "#/components/parameters/callerClientId"
        - $ref: "#/components/parameters/callerSoftwareStatementId"
        - $ref: "#/components/parameters/apiUri"
        - $ref: "#/components/parameters/apiOperation"
        - $ref: "#/components/parameters/consentId"
        - $ref: "#/components/parameters/callerInteractionId"
        - $ref: "#/components/parameters/ozoneInteractionId"
        - $ref: "#/components/parameters/psuIdentifier"

      security:
        - {}
        - OzoneConnectApiKey: []
        - OzoneConnectClientCredentials: [
            "placeholder"
          ]
        - OzoneConnectJwtAuth: []
        - OzoneConnectServiceInitiationToken: []

      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: "#/components/schemas/PaymentPostRequest"

      responses:
        '201':
          description: successful operation
          content:
            application/json:
              schema:
                $ref: "#/components/schemas/AEPaymentIdResponse"
        '400':
          description: failed operation
          content:
            application/json:
              schema:
                $ref: "#/components/schemas/Error"
        default:
          $ref: "#/components/responses/Error"
  /payments/{paymentId}:
    get:
      operationId: getPayment
      tags:
        - payments
      summary: Get a payment
      description: |
        Ozone can call this API from Financial Institutions to retrieve payment information.
      parameters:
        # common header parameters that set context
        - $ref: "#/components/parameters/providerId"
        - $ref: "#/components/parameters/aspspId"
        - $ref: "#/components/parameters/callerOrgId"
        - $ref: "#/components/parameters/callerClientId"
        - $ref: "#/components/parameters/callerSoftwareStatementId"
        - $ref: "#/components/parameters/apiUri"
        - $ref: "#/components/parameters/apiOperation"
        - $ref: "#/components/parameters/consentId"
        - $ref: "#/components/parameters/callerInteractionId"
        - $ref: "#/components/parameters/ozoneInteractionId"
        - $ref: "#/components/parameters/psuIdentifier"
        - $ref: "#/components/parameters/paymentId"

      responses:
        '200':
          description: successful operation
          content:
            application/json:
              schema:
                $ref: "#/components/schemas/AEPaymentIdResponse"
        '400':
          description: failed operation
          content:
            application/json:
              schema:
                $ref: "#/components/schemas/Error"
        default:
          $ref: "#/components/responses/Error"
  /payments/{paymentId}/report-file:
    get:
      tags:
        - payments
      summary: report file for bulk payments
      description: |
        This API is called by Ozone Bank Connect to get a report file for a set of bulk payments

      operationId: reportFile
      parameters:
        # common header parameters that set context
        - $ref: "#/components/parameters/providerId"
        - $ref: "#/components/parameters/aspspId"
        - $ref: "#/components/parameters/callerOrgId"
        - $ref: "#/components/parameters/callerClientId"
        - $ref: "#/components/parameters/callerSoftwareStatementId"
        - $ref: "#/components/parameters/apiUri"
        - $ref: "#/components/parameters/apiOperation"
        - $ref: "#/components/parameters/consentId"
        - $ref: "#/components/parameters/callerInteractionId"
        - $ref: "#/components/parameters/ozoneInteractionId"
        - $ref: "#/components/parameters/psuIdentifier"
        - $ref: "#/components/parameters/paymentId"

      responses:
        '200':
          description: successful operation
          content:
            '*/*':
              schema:
                type: string
                description: Any content type.

        '400':
          description: failed operation
          content:
            application/json:
              schema:
                $ref: "#/components/schemas/Error"
        default:
          $ref: "#/components/responses/Error"
  /payment-consents/{consentId}/refund:
    get:
      tags:
        - payments
      summary: Retrieve a Payment Consent
      description: |
        Ozone can call this API from Financial Institutions to retrieve payment information.
      operationId: getRefund
      parameters:
        # common header parameters that set context
        - $ref: "#/components/parameters/providerId"
        - $ref: "#/components/parameters/aspspId"
        - $ref: "#/components/parameters/callerOrgId"
        - $ref: "#/components/parameters/callerClientId"
        - $ref: "#/components/parameters/callerSoftwareStatementId"
        - $ref: "#/components/parameters/apiUri"
        - $ref: "#/components/parameters/apiOperation"
        - $ref: "#/components/parameters/consentId"
        - $ref: "#/components/parameters/callerInteractionId"
        - $ref: "#/components/parameters/ozoneInteractionId"
        - $ref: "#/components/parameters/psuIdentifier"

        - name: consentId
          in: path
          schema:
            type: string
          required: true
          description: |
            Identifies the consent by an id

      responses:
        '200':
          description: successful operation
          content:
            application/json:
              schema:
                $ref: "#/components/schemas/RefundGetResponse"
        '400':
          description: failed operation
          content:
            application/json:
              schema:
                $ref: "#/components/schemas/Error"
        default:
          $ref: "#/components/responses/Error"
components:
  responses:
    Error:
      description: Default error response
      content:
        application/json:
          schema:
            $ref: "#/components/schemas/Error"
  schemas:

    PaymentPostRequest:
      description: The properties of a payment request
      type: object
      properties:
        requestUrl:
          type: string
          description: |
            The (Ozone) URL at which the TPP requested for the payment

        paymentType:
          $ref: "#/components/schemas/PaymentType"

        request:
          $ref: "#/components/schemas/AEPaymentAndFilePaymentRequest"

        requestHeaders:
          $ref: "#/components/schemas/PaymentRequestHeaders"

        tpp:
          $ref: "#/components/schemas/tpp"

        supplementaryInformation:
          $ref: "#/components/schemas/SupplementaryInformation"

      required:
        - paymentType
        - request
        - requestHeaders
        - tpp

      additionalProperties: false

    AEPaymentAndFilePaymentRequest:
      description: The payment request body as received from the TPP
      oneOf:
        - $ref: "#/components/schemas/AEPaymentRequest"
        - $ref: "#/components/schemas/AEFilePaymentRequest"

    AEPaymentRequest:
      description: |
        Payment Request Schema
      type: "object"
      additionalProperties: false
      required:
        - "Data"
      properties:
        Data:
          description: Primary data for the request
          type: "object"
          additionalProperties: false
          required:
            - "ConsentId"
            - "Instruction"
            - "PersonalIdentifiableInformation"
            - "PaymentPurposeCode"
            - "OpenFinanceBilling"
          properties:
            ConsentId:
              $ref: "#/components/schemas/AEConsentId"
            Instruction:
              $ref: "#/components/schemas/AEPaymentInstruction"
            CurrencyRequest:
              $ref: "#/components/schemas/AECurrencyRequest"
            PersonalIdentifiableInformation:
              $ref: "#/components/schemas/AEJWEPaymentPII"
            PaymentPurposeCode:
     description: Personal Identifiable Information, represented in both encoded and decoded form 
                using a `oneOf`, to help implementers readily understand both the structure and 
                serialized form of the property.

                **Implementations MUST reflect the AEJWEPaymentPII Schema Object**
                **structure and the notes provided on implementing a JWS and JWE**
                **The decoded form AEPaymentPII is for guidance on content only**
              oneOf:
               - $ref: "#/components/schemas/AEJWEPaymentPII"
               - $ref: "#/components/schemas/AEPaymentPII"
            PaymentPurposeCode:
              $ref: "#/components/schemas/AEPaymentPurposeCode"
            DebtorReference:
              $ref: "#/components/schemas/AEStructuredDebtorReference"
            CreditorReference:
              $ref: "#/components/schemas/AEStructuredCreditorReference"
            OpenFinanceBilling:
              $ref: "#/components/schemas/AEServiceInitiationOpenFinancePaymentBilling"

    AEServiceInitiationOpenFinancePaymentBilling:
      type: object
      required:
        - Type
      properties:
        Type:
          enum:
            - Collection
            - LargeValueCollection
            - PushP2P
            - PullP2P
            - Me2Me
          description: The type payment for billing
          type: string
        MerchantId:
          description: "MerchantId"
          type: "string"
          minLength: 8
          maxLength: 20
      description: Billing parameters specified by the TPP for a payment initiation
      additionalProperties: false

    AEServiceInitiationOpenFinancePaymentBillingGet:
      type: object
      required:
        - Type
      properties:
        NumberOfSuccessfulTransactions:
          type: "integer"
          description: |
            Number of individual transactions successfully executed by the LFI.
            This is returned by the LFI after the file is fully processed.
        Type:
          enum:
            - Collection
            - LargeValueCollection
            - PushP2P
            - PullP2P
            - Me2Me
          description: The type payment for billing
          type: string
        MerchantId:
          description: "MerchantId"
          type: "string"
          minLength: 8
          maxLength: 20
      description: Billing parameters specified by the TPP for a payment initiation
      additionalProperties: false

    AEJWEPaymentPII:
      type: string
      description: |2-
            A JSON Web Encryption (JWE) object, which encapsulates a JWS. The value is a compact serialization
            of a JWE, which is a string consisting of five base64url-encoded parts joined by dots. It encapsulates encrypted content using JSON data structures.

            The decrypted JWS content has the structure of the AEPaymentPII schema.

    AEPaymentPII:
      type: "object"
      additionalProperties: false
      description: "Elements of Personal Identifiable Information data"
      properties:
        Initiation:
          type: "object"
          additionalProperties: false
          description: "The Initiation payload is sent by the initiating party to the LFI. It is used to request movement of funds from the debtor account to a creditor."
          properties:
            CreditorAgent:
              $ref: "#/components/schemas/AECreditorAgent"
            Creditor:
              type: "object"
              additionalProperties: false
              description: "Party to which an amount of money is due."
              properties:
                Name:
                  description: | 
                    Name by which a party is known and which is usually used to identify that party.
                    This may be used to identify the Creditor for international payments.
                  type: "string"
                  minLength: 1
                  maxLength: 140
                PostalAddress:
                  $ref: "#/components/schemas/AEAddress"
            CreditorAccount:
              $ref: "#/components/schemas/AECreditorAccount"
            ConfirmationOfPayeeResponse:
              $ref: "#/components/schemas/AEConfirmationOfPayeeResponse"
        Risk:
          $ref: "#/components/schemas/AERisk"
    AECreditorAgent:
      description: |
        Refers to the Financial Institution.
      type: "object"
      required:
        - "SchemeName"
        - "Identification"
      properties:
        SchemeName:
          type: "string"
          description: |
            Refers to the Identification scheme for uniquely identifying the Agent.

            * BICFI: The BIC/SWIFT Code
            * Other: The ID; A Country Code followed by a Bank Code (4 character code). The full list of LFI names and 6 digits IDs are as follows:
          enum:
            - "BICFI"
            - "Other"
        Identification:
          description: |
            The Agent is the Country Code followed by a Bank Code"
          type: "string"
        Name:
          description: "Name by which an agent is known and which is usually used to identify that agent."
          type: "string"
          minLength: 1
          maxLength: 140
        PostalAddress:
          $ref: "#/components/schemas/AEAddress"
    AECreditorAccount:
      description: "Unambiguous identification of the account of the creditor to which a credit entry will be posted."
      type: "object"
      additionalProperties: false
      required:
        - "SchemeName"
        - "Identification"
        - "Name"
      properties:
        SchemeName:
          $ref: "#/components/schemas/AECreditorExternalAccountIdentificationCode"
        Identification:
          $ref: "#/components/schemas/AEIdentification"
        Name:
          $ref: "#/components/schemas/AEName"
        TradingName:
          $ref: "#/components/schemas/AETradingName"
    AEAddress:
      description: |
        (Array) Address information that locates and identifes a specific address, as defined by a national or international postal service."
      type: "array"
      minItems: 1
      items:
        type: "object"
        required:
          - "AddressType"
          - "Country"
        properties:
          AddressType:
            $ref: "#/components/schemas/AEAddressTypeCode"
          ShortAddress:
            $ref: "#/components/schemas/AEShortAddress"
          UnitNumber:
            $ref: "#/components/schemas/AEUnitNumber"
          FloorNumber:
            $ref: "#/components/schemas/AEFloorNumber"
          BuildingNumber:
            $ref: "#/components/schemas/AEBuildingNumber"
          StreetName:
            $ref: "#/components/schemas/AEStreetName"
          SecondaryNumber:
            $ref: "#/components/schemas/AESecondaryNumber"
          District:
            $ref: "#/components/schemas/AEDistrict"
          PostalCode:
            $ref: "#/components/schemas/AEPostalCode"
          POBox:
            $ref: "#/components/schemas/AEPOBox"
          ZipCode:
            $ref: "#/components/schemas/AEZipCode"
          City:
            $ref: "#/components/schemas/AECity"
          Region:
            $ref: "#/components/schemas/AERegion"
          Country:
            $ref: "#/components/schemas/AECountryCode"
        additionalProperties: false
    AEAddressTypeCode:
      description: "Specifies the nature of the Address."
      type: "string"
      enum:
        - "Business"
        - "Correspondence"
        - "Residential"
      example: "Residential"
    AEShortAddress:
      description: "A short address consists of four letters: region code, branch code, division code, unique code and a four-digit number for the building."
      type: "string"
      minLength: 1
      maxLength: 8
      example: "ABCD1234"
    AEUnitNumber:
      description: "Identifies the unit or apartment number."
      type: "string"
      minLength: 1
      maxLength: 10
      example: "6"
    AEFloorNumber:
      description: "Identifies the building floor number."
      type: "string"
      minLength: 1
      maxLength: 10
      example: "2"
    AEBuildingNumber:
      description: "Identifies the building number."
      type: "string"
      minLength: 1
      maxLength: 10
      example: "34"
    AEStreetName:
      description: "Identifies the street name or road."
      type: "string"
      minLength: 1
      maxLength: 70
      example: "Omar Bin Hassan Street"
    AEDistrict:
      description: "Identifies the district of a city."
      type: "string"
      minLength: 1
      maxLength: 35
      example: "Olaya Dist."
    AECountryCode:
      description: "Indicates the country code in which the address is located (References ISO 3166-1 alpha-2)."
      type: "string"
      pattern: "^[A-Z]{2,2}$"
      example: "SA"
    AEPostalCode:
      description: " Identifies the postal code; a unique code assigned to a specific geographic area for efficient mail sorting and delivery purposes."
      type: "string"
      minLength: 1
      maxLength: 10
      example: "12345"
    AEPOBox:
      description: " Identifies the POBox."
      type: "string"
      minLength: 1
      maxLength: 10
      example: "11562"
    AEZipCode:
      description: "Identifies the ZIP code; a unique code assigned to a specific geographic area for efficient mail sorting and delivery purposes."
      type: "string"
      minLength: 1
      maxLength: 10
      example: "12366"
    AESecondaryNumber:
      description: "4 numbers representing the accurate location coordinates of the address"
      type: "string"
      minLength: 4
      maxLength: 4
      example: "1233"
    AECity:
      description: "Identifies the name of the city or town where the address is situated."
      type: "string"
      minLength: 1
      maxLength: 35
      example: "Riyadh"
    AERegion:
      description: "Identifies the region."
      type: "string"
      minLength: 1
      maxLength: 35
      example: "North"
    AEDebtorIndicators:
      type: "object"
      description: |
        Debtor (User) Indicators
      properties:
        UserName:
          type: "object"
          description: "The Name of the User initiating the Payment"
          properties:
            en:
              type: "string"
              description: "English value of the string"
            ar:
              type: "string"
              description: "Arabic value of the string"
        GeoLocation:
          type: "object"
          description: "GPS to identify and track the whereabouts of the connected electronic device."
          required:
            - "latitude"
            - "longitude"
          properties:
            latitude:
              type: "string"
              description: "latitude"
            longitude:
              type: "string"
              description: "longitude"
        DeviceId:
          type: "string"
          description: "IMEISV number of the connected electronic device"
        DeviceOperatingSystem:
          type: "string"
          description: "Device operating system"
        DeviceOperatingSystemVersion:
          type: "string"
          description: "Device operating system version"
        UserOnboardingDateTime:
          type: "string"
          format: "date-time"
          description: "The exact date and time when the User account was activated with the TPP."
        AuthenticationChannel:
          description: Channel on which the User was authenticated
          type: string
          enum:
            - App
            - Web
    AETransactionIndicators:
      type: "object"
      description: |
        Transaction Indicators
      properties:
        IsCustomerPresent:
          description: "This field differentiates between automatic and manual payment initiation."
          type: boolean
        IsContractPresent:
          description: "Indicates if the Creditor has a contractual relationship with the TPP."
          type: boolean
        Channel:
          description: "Where the payment has been initiated from."
          type: "string"
          enum:
            - "Web"
            - "Mobile"
    AECreditorIndicators:
      type: "object"
      description: |
        Creditor Indicators
      properties:
        AccountType:
          $ref: "#/components/schemas/AEExternalAccountTypeCode"
        IsCreditorPrePopulated:
          $ref: "#/components/schemas/AEIsCreditorPrePopulated"
        TradingName:
          $ref: "#/components/schemas/AETradingName"
        IsVerifiedByTPP:
          $ref: "#/components/schemas/AEIsVerifiedbyTPP"
        AdditionalAccountHolderIdentifiers:
          $ref: "#/components/schemas/AEAdditionalAccountHolderIdentifiers"
        MerchantDetails:
          type: "object"
          description: |
            Details of the Merchant involved in the transaction.
            Merchant Details are specified only for those merchant categories that are generally expected to originate retail financial transactions
          properties:
            MerchantId:
              description: "MerchantId"
              type: "string"
              minLength: 8
              maxLength: 20
            MerchantName:
              description: "Name by which the merchant is known."
              type: "string"
              minLength: 1
              maxLength: 350
            MerchantSICCode:
              description: |
                SIC code stands for standard industrial classification (SIC) code.
                This four digit-number identifies a very specific short descriptor of the type of business a company is engaged in.
                SIC can be obtained from the Chamber of Commerce.
              type: "string"
              minLength: 3
              maxLength: 4
            MerchantCategoryCode:
              description: >
                Category code values are used to enable the classification of
                merchants into specific categories based on the type of business,
                trade or services supplied. 

                Category code conforms to ISO 18245, related to the type of services
                or goods the merchant provides for the transaction."
              type: string
              minLength: 3
              maxLength: 4
          additionalProperties: false
        IsCreditorConfirmed:
          description: Creditor account details have been confirmed successfully using Confirmation of Payee
          type: boolean
        ConfirmationOfPayeeResponse:
          $ref: "#/components/schemas/AEConfirmationOfPayeeResponse"
    AEExternalAccountTypeCode:
      description: "Specifies the type of account (Retail or Corporate)."
      type: "string"
      enum:
        - "Retail"
        - "Corporate"
    AEIsCreditorPrePopulated:
      description: "Is Creditor populated"
      type: "boolean"
    AEIsVerifiedbyTPP:
      description: "The TPP has onboarded the Creditor"
      type: "boolean"
    AEAdditionalAccountHolderIdentifiers:
      type: "array"
      items:
        type: "object"
        description: "Provides the details to identify an account."
        required:
          - "SchemeName"
          - "Identification"
        properties:
          SchemeName:
            $ref: "#/components/schemas/AERiskExternalAccountIdentificationCode"
          Identification:
            $ref: "#/components/schemas/AEIdentification"
          Name:
            $ref: "#/components/schemas/AEName"
        additionalProperties: false
    AERiskExternalAccountIdentificationCode:
      description: "Name of the identification scheme, in a coded form as published in an external list."
      type: "string"
      enum:
        - "EmiratesID"
        - "TradeLicenceNumber"
    AEConfirmationOfPayeeResponse:
      description: The JSON Web Signature returned by the Payee Confirmation operation at the Confirmation of Payee API. The value must be the full JWS string, including the header and signature, without decoding to an object. If Confirmation of Payee is not performed this property can be omitted
      type: string
      pattern: '^.+\..+\..+$'

    AECreditorExternalAccountIdentificationCode:
      description: "Name of the identification scheme, in a coded form as published in an external list."
      type: "string"
      enum:
        $ref:- "#/components/schemas/AEPaymentPurposeCodeIBAN"
        - "AccountNumber"
  DebtorReference  AEIdentification:
      description: |
      $ref: "#/components/schemas/AEStructuredDebtorReference"
            CreditorReference:  Identification for the account assigned by the LFI based on the Account Scheme Name. 
        This identification is known by the User $ref: "#/components/schemas/AEStructuredCreditorReference"account owner.
      type: "string"
    OpenFinanceBilling:  minLength: 1
    AETradingName:
      $reftype: "#/components/schemas/AEServiceInitiationOpenFinancePaymentBilling"object"
      AEServiceInitiationOpenFinancePaymentBillingdescription: |
     type: object
      required:   The Trading Brand Name (if applicable) for the Creditor. 
        Applicable -to TypePayments.
      properties:
        Typeen:
          enumtype: "string"
          description: -"English Collectionvalue of the string"
         - LargeValueCollectionmaxLength: 70
        ar:
  - PushP2P       type: "string"
    - PullP2P     description: "Arabic value of the string"
  - Me2Me       maxLength: 70
  description: The type payment foradditionalProperties: billingfalse

    AERisk:
    type: string additionalProperties: false
      MerchantIddescription: |
        The description: "MerchantId"
          type: "string"
          minLength: 8
   Risk section is sent by the TPP to the LFI. It is used to specify additional details for risk/fraud scoring regarding Payments.
      type: "object"
      maxLengthproperties:
20        descriptionDebtorIndicators:
Billing      parameters specified by the TPP for a payment initiation$ref: "#/components/schemas/AEDebtorIndicators"
        additionalPropertiesDestinationDeliveryAddress: false
     AEServiceInitiationOpenFinancePaymentBillingGet:       type: "object"
      required:    description: |
    - Type       properties:Destination Delivery Address
      NumberOfSuccessfulTransactions:    properties:
      type: "integer"     RecipientType:
     description: |        type: "string"
   Number of individual transactions successfully executed by the LFI.   description: "The recipient of the goods whether an individual or Thisa iscorporation."
returned by the LFI after the file is fully processed.     enum:
   Type:           enum:  - "Individual"
         - Collection      - "Corporate"
     - LargeValueCollection      RecipientName:
      - PushP2P       type: "object"
    - PullP2P         description: "The name of -the Me2Merecipient of the goods, whether an individual or a corporation."
 description: The type payment for billing        properties:
  type: string         MerchantId:    en:
      description: "MerchantId"           type: "string"
          minLength: 8       description: "English value of maxLength:the 20string"
      description: Billing parameters specified by the TPP for a payment initiationar:
      additionalProperties: false      AEJWEPaymentPII:       type: "string"
      description: |2-           description: "Arabic Avalue JSONof Webthe Encryptionstring"
(JWE) object, which encapsulates a JWS. The value is a compact serialization NationalAddress:
           of a JWE, which is a string consisting of five base64url-encoded parts joined by dots. It encapsulates encrypted content using JSON data structures.

 $ref: "#/components/schemas/AEAddress"
        TransactionIndicators:
          $ref: "#/components/schemas/AETransactionIndicators"
        CreditorIndicators:
 The decrypted JWS content has the structure of the AEPaymentPII schema.$ref: "#/components/schemas/AECreditorIndicators"

    AEConsentId:
      type: string
      minLength: 1
      maxLength: 128
      description: >-
        Unique identification assigned by the TPP to identify the consent
        resource.

    AEFilePaymentRequest:
      description: |
        File Payment Request Schema
      type: "object"
      additionalProperties: false
      required:
        - "Data"
      properties:
        Data:
          description: Primary data for the request
          type: "object"
          additionalProperties: false
          required:
            - "ConsentId"
            - "PaymentPurposeCode"
          properties:
            ConsentId:
              $ref: "#/components/schemas/AEConsentId"
            Instruction:
              $ref: "#/components/schemas/AEFilePaymentConsent"
            PaymentPurposeCode:
              $ref: "#/components/schemas/AEPaymentPurposeCode"
            DebtorReference:
              $ref: "#/components/schemas/AEStructuredDebtorReference"

    AEFilePaymentConsent:
      type: "object"
      description: |
        A file based payment consent.
        A Consent definition for defining Multi Payments
      required:
        - "FileType"
        - "FileHash"
        - "NumberOfTransactions"
        - "ControlSum"
      properties:
        FileType:
          $ref: "#/components/schemas/AEFileType"
        FileHash:
          $ref: "#/components/schemas/AEFileHash"
        FileReference:
          $ref: "#/components/schemas/AEReference"
        NumberOfTransactions:
          $ref: "#/components/schemas/AEFileNumberOfTransactions"
        ControlSum:
          $ref: "#/components/schemas/AEControlSum"
        RequestedExecutionDate:
          $ref: "#/components/schemas/AERequestedExecutionDate"
      additionalProperties: false

    AERequestedExecutionDate:
      description: |
        The date when the TPP expects the LFI to execute the payment.
        The date must be in the future and cannot be on the same day or a day in the past.
        The maximum date in the future that can be specified is 1 year from the day of the consent of the User to the TPP.
        All dates in the JSON payloads are represented in ISO 8601 date format.
      type: "string"
      format: "date"

    AEFileNumberOfTransactions:
      type: "integer"
      description: |
        Number of individual transactions contained in the payment information group.
    AEControlSum:
      description: |
        Total of all individual amounts included in the group, irrespective of currencies.
      type: "string"
      pattern: "^\\d{1,16}\\.\\d{2}$"
      example: "100.00"

    AEReference:
      description: |
        A reason or reference in relation to a payment.
        Reason or reference for the beneficiary regarding the Payment
      type: "string"
      minLength: 1
      maxLength: 120

    AEFileType:
      type: "string"
      description: "Specifies the payment file type"
      minLength: 1
      maxLength: 40
    AEFileHash:
      type: "string"
      description: "A base64 encoding of a SHA256 hash of the file to be uploaded."
      minLength: 1
      maxLength: 44

    AEStructuredCreditorReference:
      description: |
        A reason or reference in relation to a payment, set to facilitate a structured Creditor reference consisting of:

        * TPP ID and BIC for the Debtor Account, followed by freeform text to a maximum of 120 characters.

        The TPP ID value will match the organization ID value from the Trust Framework, and therefore will be a v4 UUID.

        A BIC is specific according to the standard format for ISO 20022, and can therefore be either 8 or 11 characters in length.

        If the value of the concatenated string exceeds 120 characters, the TPP must first omit or truncate the freeform element of the reference.
      type: "string"
      minLength: 1
      maxLength: 120
      pattern: "^TPP=[0-9a-f]{8}-[0-9a-f]{4}-[0-9a-f]{4}-[0-9a-f]{4}-[0-9a-f]{12},BIC=[A-Z0-9]{4}[A-Z0-9]{2}[A-Z0-9]{2}([A-Z0-9]{3}){0,1}($|,.+$)"

    AEPaymentInstruction:
      type: "object"
      additionalProperties: false
      required:
        - "Amount"
      description: "The Initiation payload is sent by the initiating party to the LFI. It is used to request movement of funds from the debtor account to a creditor for a single payment."
      properties:
        Amount:
          $ref: "#/components/schemas/AEActiveCurrencyAmount"
    PaymentType:
      type: string
      description: |
        The type of the payment that is being created.

        Each LFI's instance may support a different set of payment types
        depending on the standards supported.

        For example,

          - cbuae-payment (Single Instant Payment, Multi Payment - Fixed and Variable Recurring Payment, Future Dated Payment etc)
          - cbuae-file-payment

    PaymentRequestHeaders:
      type: object
      description: |
        The entire set of HTTP request headers that was received by Ozone from the TPP

    tpp:
      description: The TPP record as held by Ozone. If Ozone TPP Connect has been integrated into a 
        directory, the `directoryRecord` provides the TPP's directory record as held by Ozone in 
        base 64 encoded format.
      type: object
      required:
        - clientId
        - orgId
        - softwareStatementId
        - tppId
        - tppName
        - decodedSsa
      properties:
        clientId:
          description: The client identifier for the TPP as issued by the Trust Framework
          type: string
          pattern: '^[0-9a-fA-F]{8}-[0-9a-fA-F]{4}-4[0-9a-fA-F]{3}-[89abAB][0-9a-fA-F]{3}-[0-9a-fA-F]{12}$'
        tppId:
          description: The identifier used by the API Hub to uniquely identify the TPP
          type: string
        tppName:
          description: The TPP name recorded in the Trust Framework
          type: string
        obieTppId:
          description: The UK market TPP identifier. This property is not used for CBUAE and is therefore 
            marked as deprecated.
          type: string
          deprecated: true
        softwareStatementId:
          description: The software statement identifier for the Client.
          type: string
        obieSoftwareStatementId:
          description: The UK market software statement identifier. This property is not used for CBUAE
            and is therefore marked as deprecated.
          type: string
          deprecated: true
        obieSoftwareStatementName:
          description: The UK market software statement name. This property is not used for CBUAE and 
            is therefore marked as deprecated.
          type: string
          deprecated: true
        directoryRecord:
          type: string
          description: The latest copy of the TPP directory record retrieve from the CBUAE Trust Framework 
            directory, encoded as a Base 64 string
          format: base64
        ssa:
          description: The encoded Software Statement Assertion. This property is not used for CBUAE and is
            therefore marked as deprecated.
          type: string
          deprecated: true
        decodedSsa:
          $ref: "#/components/schemas/softwareStatementProperties"
        orgId:
          description: The organization identifier for the TPP
          type: string
          pattern: '^[0-9a-fA-F]{8}-[0-9a-fA-F]{4}-4[0-9a-fA-F]{3}-[89abAB][0-9a-fA-F]{3}-[0-9a-fA-F]{12}$'
  
    softwareStatementProperties:
      description: |
        The decoded software statement retrieved from the Trust Framework that provides 
        the properties of the Client.
        
        Please note:

          - The JSON payload will contain other properties in addition to those listed 
            here. The properties listed here are considered most relevant for activities 
            such as TPP logo retrieval and JWS verification.
          - The content reflects elements of discovery metadata, which in generally
            defined as a file rather than an API. Providing constraints such as
            `minLength` and `maxLength` is impractical in this context

        The full software statement record is also available in the Trust Framework. 
        Please also refer the Registration Framework page in the CBUAE standards for
        additional guidance on these properties.
      type: object
      properties:
        redirect_uris:
          description: The redirect URIs registered by the TPP at the Trust Framework
          type: array
          items:
            type: string
        client_name:
          description:  Name of the Client to be presented to the End-User.
          type: string
        client_uri:
          description: URL of the home page of the Client.
          type: string
        logo_uri:
          description: URL of the Client logo.
          type: string
        jwks_uri: 
          description: URL of the Client JSON Web Key Set (JWKS) at the Trust Framework.
          type: string
        client_id: 
          description: Unique Client Identifier.
          type: string
        roles:
          description: The roles under which the organization is registered at the Trust Framework.
          type: array
          items: 
            type: string
        sector_identifier_uri:
          description: URL using the https scheme to be used in calculating Pseudonymous Identifiers 
            by the OP. Allows redirect URI values to be grouped, easing registration
            management.
          type: string
        application_type: 
          description: Client application type.
          type: string
        organisation_id:  
          description: Organization identifier for organization that owns the Client.
          type: string

    SupplementaryInformation:
      type: object
      description: |
        The `SupplementaryInformation` object may have arbitrary custom fields that a Financial Institution may use


    AEPaymentIdResponse:
      description: |
        The payment response to be passed on to the TPP.

        The structure of this response is aligned to the structure of the response for the CBUAE payment initiation API.
      type: "object"
      additionalProperties: false
      required:
        - "data"
      properties:
        data:
          type: "object"
          description: "Required fields are common for all the payments including file payment. Apart from that, paymentTransactionId is required for all payments except file payments"
          additionalProperties: false
          required:
            - "id"
            - "status"
            - "statusUpdateDateTime"
            - "creationDateTime"
            - "paymentPurposeCode"
          properties:
            id:
              description: An API specific unique identification as assigned by the LFI to identify the domestic Payment resource.
              type: string
            consentId:
              description: Unique identification assigned by the TPP to identify the consent resource.
              type: string
            paymentTransactionId:
              description: |
                This is an end-to-end identifier that is generated by the underlying payment rails when it is sent from an Originating LFI to a Receiving LFI.
                For IPP transactions, this is the IPP generated identifier.

                This property is not the same as the `transactionId` in the Bank Data Sharing Transactions API.

                The `paymentTransactionId` must be populated if the payment is processed by the LFI, and updated at the Consent Manager Payment Log API using the `patch` operation.
              type: string
            status:
              description: |
                Specifies the status of the payment information group
                * Pending: Payment initiation or individual transaction included in the payment initiation is pending. Further checks and status update will be performed.
                * Rejected: The payment initiation has been rejected
                * AcceptedSettlementCompleted: Settlement of the Debtor's account has been completed
                * AcceptedCreditSettlementCompleted: When the Creditor account has been credited with the funds of the payment initiated via the TPP
                * AcceptedWithoutPosting:  When the Recipient Bank has accepted the payment but has not applied the credit to the Creditor account yet.
              type: string
              enum:
                - "Pending"
                - "AcceptedSettlementCompleted"
                - "AcceptedCreditSettlementCompleted"
                - "AcceptedWithoutPosting"
                - "Rejected"
                - "Received"
            statusUpdateDateTime:
              description: Date and time at which the resource status was updated.
              type: string
              format: date-time
            creationDateTime:
              description: Date and time at which the message was created.
              type: string
              format: date-time
            charges:
              $ref: "#/components/schemas/AECharges"
            exchangeRate:
              $ref: "#/components/schemas/AEExchangeRateInformation"
            currencyRequest:
              $ref: "#/components/schemas/AECurrencyRequest"
            instruction:
              $ref: "#/components/schemas/AEPaymentInstruction"
            paymentPurposeCode:
              $ref: "#/components/schemas/AEPaymentPurposeCode"
            debtorReference:
              $ref: "#/components/schemas/AEStructuredDebtorReference"
            openFinanceBilling:
              $ref: "#/components/schemas/AEServiceInitiationOpenFinancePaymentBillingGet"
        meta:
          $ref: "#/components/schemas/Meta"

    AECharges:
      description: List of charges associated with the payment request
      type: "array"
      items:
        type: "object"
        additionalProperties: false
        description: |
          Set of elements used to provide details of a charge for the payment initiation.
          * For Payments, these Charges are on the Debtor.
        required:
          - "chargeBearer"
          - "type"
          - "amount"
        properties:
          chargeBearer:
            $ref: "#/components/schemas/AEChargeBearerType1Code"
          type:
            $ref: "#/components/schemas/AEExternalPaymentChargeTypeCode"
          amount:
            $ref: "#/components/schemas/AEActiveCurrencyAmount"

    AEChargeBearerType1Code:
      description: "Specifies which party/parties will bear the charges associated with the processing of the payment transaction."
      type: "string"
      enum:
        - "BorneByCreditor"
        - "BorneByDebtor"
        - "Shared"

    AEExternalPaymentChargeTypeCode:
      description: "Charge type, in a coded form."
      type: "string"
      enum:
        - "VAT"
        - "Fees"

    AEActiveCurrencyAmount:
      description: |
        The Currency and Amount relating to the Payment, Refund or Request to Pay
      type: "object"
      required:
        - "amount"
        - "currency"
      properties:
        amount:
          $ref: "#/components/schemas/AEActiveOrHistoricAmount"
        currency:
          $ref: "#/components/schemas/AEActiveOrHistoricCurrencyCode"

    AEActiveOrHistoricAmount:
      description: "A number of monetary units specified in an active currency where the unit of currency is explicit and compliant with ISO 4217."
      type: "string"
      pattern: "^\\d{1,16}\\.\\d{2}$"
      example: "100.00"

    AEActiveOrHistoricCurrencyCode:
      description: "A 3 character alphabetic code allocated to a currency under an international currency identification scheme, as described in the latest edition of the international standard ISO 4217 'Codes for the representation of currencies and funds'."
      type: "string"
      pattern: "^[A-Z]{3,3}$"
      example: "AED"

    AEExchangeRateInformation:
      type: "object"
      additionalProperties: false
      required:
        - "unitCurrency"
        - "exchangeRate"
        - "rateType"
      description: "Further detailed information on the exchange rate that has been used in the payment transaction."
      properties:
        unitCurrency:
          description: "Currency in which the rate of exchange is expressed in a currency exchange. In the example 1GBP = xxxCUR, the unit currency is GBP."
          type: "string"
          pattern: "^[A-Z]{3,3}$"
        exchangeRate:
          description: "The factor used for conversion of an amount from one currency to another. This reflects the price at which one currency was bought with another currency."
          type: "number"
        rateType:
          description: "Specifies the type used to complete the currency exchange."
          type: "string"
          enum:
            - "Actual"
            - "Agreed"
            - "Indicative"
        contractIdentification:
          description: "Unique and unambiguous reference to the foreign exchange contract agreed between the initiating party/creditor and the debtor agent."
          type: "string"
          minLength: 1
          maxLength: 256
        expirationDateTime:
          description: "Specified date and time the exchange rate agreement will expire.All dates in the JSON payloads are represented in ISO 8601 date-time format. \nAll date-time fields in responses must include the timezone. An example is below:\n2017-04-05T10:43:07+00:00"
          type: "string"
          format: "date-time"

    AECurrencyRequest:
      description: |
        The details of the non-local currency or FX request that has been agreed between the User and the TPP.
        The requested ChargeBearer and ExchangeRateInformation are included in this object may be overwritten by the LFI in the returned Consent object.
      type: "object"
      additionalProperties: false
      required:
        - "currencyOfTransfer"
      properties:
        instructionPriority:
          description: "Indicator of the urgency or order of importance that the instructing party would like the instructed party to apply to the processing of the instruction."
          type: "string"
          enum:
            - "Normal"
            - "Urgent"
        extendedPurpose:
          description: "Specifies the purpose of an international payment, when there is no corresponding 4 character code available in the ISO20022 list of Purpose Codes."
          type: "string"
          minLength: 1
          maxLength: 140
        chargeBearer:
          $ref: "#/components/schemas/AEChargeBearerType1Code"
        currencyOfTransfer:
          description: "Specifies the currency of the to be transferred amount, which is different from the currency of the debtor's account."
          type: "string"
          pattern: "^[A-Z]{3,3}$"
        destinationCountryCode:
          description: "Country in which Credit Account is domiciled. Code to identify a country, a dependency, or another area of particular geopolitical interest, on the basis of country names obtained from the United Nations (ISO 3166, Alpha-2 code)."
          type: "string"
          pattern: "[A-Z]{2,2}"
        exchangeRateInformation:
          type: "object"
          additionalProperties: false
          required:
            - "unitCurrency"
            - "rateType"
          description: "Provides details on the currency exchange rate and contract."
          properties:
            unitCurrency:
              description: "Currency in which the rate of exchange is expressed in a currency exchange. In the example 1GBP = xxxCUR, the unit currency is GBP."
              type: "string"
              pattern: "^[A-Z]{3,3}$"
            exchangeRate:
              description: "The factor used for conversion of an amount from one currency to another. This reflects the price at which one currency was bought with another currency."
              type: "number"
            rateType:
              description: "Specifies the type used to complete the currency exchange."
              type: "string"
              enum:
                - "Actual"
                - "Agreed"
                - "Indicative"
            contractIdentification:
              description: "Unique and unambiguous reference to the foreign exchange contract agreed between the initiating party/creditor and the debtor agent."
              type: "string"
              minLength: 1
              maxLength: 256


    AEPaymentPurposeCode:
      description:  A category code that relates to the type of services or goods that corresponds to the underlying purpose of the payment. The code must conform to the published AANI payment purpose code list.
      type: "string"
      minLength: 1
      maxLength: 4
      pattern: "^[A-Z]{3}$"

    AEStructuredDebtorReference:
      description: |
        A reason or reference in relation to a payment, set to facilitate a structured Debtor reference consisting of:

        * For payments to Merchants: TPP ID, Merchant ID, BIC for the Creditor Account, followed by freeform text to a maximum of 120 characters.

        * For other payments: TPP ID and BIC for the Creditor Account, followed by freeform text to a maximum of 120 characters.

        The TPP ID value will match the organization ID value from the Trust Framework, and therefore will be a v4 UUID.

        The Merchant ID wil be as per the existing IPP rules for the Merchant identification, and will incorporate the Trade License number for the Merchant.

        A BIC is specific according to the standard format for ISO 20022, and can therefore be either 8 or 11 characters in length.

        If the value of the concatenated string exceeds 120 characters, the TPP must omit or truncate the freeform element of the reference.
      oneOf:
        - description: Merchant-initiated payment, containing Merchant identifier
          type: "string"
          minLength: 1
          maxLength: 120
          pattern: "^TPP=[0-9a-f]{8}-[0-9a-f]{4}-[0-9a-f]{4}-[0-9a-f]{4}-[0-9a-f]{12},Merchant=[A-Z0-9]{3}-[A-Z]{4}-TL.+-[0-9]{4},BIC=[A-Z0-9]{4}[A-Z0-9]{2}[A-Z0-9]{2}([A-Z0-9]{3}){0,1}($|,.+$)"
        - description: Non-merchant payment, containing TPP ID, BIC, and free form text
          type: "string"
          minLength: 1
          maxLength: 120
          pattern: "^TPP=[0-9a-f]{8}-[0-9a-f]{4}-[0-9a-f]{4}-[0-9a-f]{4}-[0-9a-f]{12},BIC=[A-Z0-9]{4}[A-Z0-9]{2}[A-Z0-9]{2}([A-Z0-9]{3}){0,1}($|,.+$)"

    RefundGetResponse:
      description: Response to a request to the Debtor details for a given payment, in order to initiate a refund. Requires the consent of the Debtor to be retrieved, enforced at the API Hub.
      type: object
      properties:
        data:
          $ref: "#/components/schemas/RefundGetResponseBody"
        meta:
          $ref: "#/components/schemas/Meta"

    RefundGetResponseBody:
      description: Primary data for the response
      type: object
      required:
        - refundAccount
      properties:
        consentId:
          description: |
            Unique identification assigned by the TPP to identify the consent resource.
          type: "string"
          minLength: 1
          maxLength: 128
        refundAccount:
          $ref: "#/components/schemas/AEDebtorAccount"

    AEDebtorAccount:
      description: "Unambiguous identification of the account of the debtor to which a debit entry will be made."
      type: "object"
      required:
        - "schemeName"
        - "identification"
        - "name"
      properties:
        schemeName:
          description: "Name of the identification scheme, in a coded form as published in an external list."
          type: "string"
          enum:
            - "IBAN"
            - "AccountNumber"
        identification:
          description: |
            Identification for the account assigned by the LFI based on the Account Scheme Name.
            This identification is known by the User account owner.
          type: "string"
          minLength: 1
        name:
          $ref: "#/components/schemas/AEName"

    AEName:
      type: "object"
      description: |
        The Account Holder Name is the name or names of the Account owner(s) represented at the account level
      properties:
        en:
          type: "string"
          description: "English value of the string"
          maxLength: 70
        ar:
          type: "string"
          description: "Arabic value of the string"
          maxLength: 70
      additionalProperties: false

    #
    # Common types
    #
    Meta:
      description: Metadata relevant to the resource.
      type: object
      additionalProperties: false

    Error:
      description: Default error response payload structure for Ozone Connect
      type: object
      properties:
        errorCode:
          type: string
          description: Error code identifying the problem that occurred
        errorMessage:
          type: string
          description: Message describing what problem has occurred

  parameters:
    providerId:
      name: o3-provider-id
      in: header
      schema:
        type: string
      required: true
      description: Identifier for the Financial Institution that the request is targetted to

    aspspId:
      name: o3-aspsp-id
      in: header
      schema:
        type: string
      required: true
      deprecated: true
      description:
        Identifier for the financial institution that the request is targetted to.
        This header is deprecated and will be removed in a future version of Ozone Connect. Use `o3-provider-id` instead.

    callerOrgId:
      name: o3-caller-org-id
      in: header
      schema:
        type: string
      required: true
      description: An identifier for the organization calling the API

    callerClientId:
      name: o3-caller-client-id
      in: header
      schema:
        type: string
      required: true
      description: An identifier for the OIDC clientId calling the API

    callerSoftwareStatementId:
      name: o3-caller-software-statement-id
      in: header
      schema:
        type: string
      required: true
      description: An identifier for the software statement calling the API

    apiUri:
      name: o3-api-uri
      in: header
      schema:
        type: string
      required: true
      description: The parameterised URL of the API being called by the caller

    apiOperation:
      name: o3-api-operation
      in: header
      schema:
        type: string
      required: true
      description: The API operation carried out by the caller (e.g. GET, POST, PUT, DELETE, PATCH)

    consentId:
      name: o3-consent-id
      in: header
      schema:
        type: string
      required: true
      description: The consentId for which this call is being made

    callerInteractionId:
      name: o3-caller-interaction-id
      in: header
      schema:
        type: string
      required: true
      description: The interaction ID passed in by the caller, if any

    ozoneInteractionId:
      name: o3-ozone-interaction-id
      in: header
      schema:
        type: string
      required: true
      description: An interaction ID generated by Ozone if the caller did not send in one. If the callerInteractionId is specified, this takes the same value.

    psuIdentifier:
      name: o3-psu-identifier
      in: header
      schema:
        type: string
      required: true
      description: A Base64 encoded representation of the psuIdentifier JSON object.

    paymentId:
      name: paymentId
      description: The identifier for a given payment instruction
      in: path
      required: true
      schema:
        type: string

  securitySchemes:
    OzoneConnectApiKey:
      description: Communications between the API Hub and the LFI Ozone Connect implementation are secured using an API Key, which is a secret shared between the API Hub and the LFI.
      type: apiKey
      in: header
      name: Authorization
    OzoneConnectClientCredentials:
      type: oauth2
      description: |
        Communications between the API Hub and the LFI Ozone Connect implementation are secured using a Client Credentials grant type.

        LFIs must host an OAuth 2.0 Authorization Server to utilise this security pattern. Scope values are set during the onboarding process, and represented by a placeholder in this API description.
      flows:
        clientCredentials:
          tokenUrl: "https://example.lfi.ae/token"
          scopes:
            placeholder: Placeholder for scopes, which are set by the LFI during onboarding
    OzoneConnectJwtAuth:
      description: |
        Communications between the API Hub and the LFI Ozone Connect implementation are secured using the "JWT Auth" mechanism, where the Client presents a signed JSON Web Token as a credential.

        The Server MUST verify the signature in order to authenticate the Client.

        Please note that the value of the `scheme` parameter is not a registered HTTP Authentication Scheme, to indicate it is specific to Ozone Connect. Please refer to API Hub documentation for further details.
      type: http
      scheme: Ozone-Connect-JWT-Auth
    OzoneConnectServiceInitiationToken:
      description: |
        Communications between the API Hub and the LFI Ozone Connect implementation are secured using a Service Initiation Token.

        The API Hub will set an Access Token based on a value set by the LFI, which has been patched onto the associated consent. The value will be transmitted in the `Authorization` header, which is represented as a `Bearer` in this Security Scheme Object.

      type: http
      scheme: Bearer