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openapi: 3.0.1
info:
title: Ozone Connect - Consent Event & Action APIs
contact:
name: Ozone Financial Technology Limited
description: |
This document provides the OAS3 specification for APIs that are called by Ozone Connect to inform a financial institution that a consent has been created or modified.
These are also used to carry out actions to verify and augment a consent when it is being created.
These APIs should be implemented by an financial institution.
#### Test Case References
Please refer to the API Hub documentation for details of test cases that are
This description contains aavailable numberfor ofthis referencesAPI inusing the Ozone Connect form `XXX-999-999`. These are referencestest suite.
### Changes in Version 2025.06.0
* toRemoved test case guidance and numbersreferences infrom the Ozone Connect Test Harness that financial institutions may use to test API description as now
maintained on a API Hub documentation page.
* Changed o3-psu-identifier to be optional for all operations
#### theirChanges Ozonein ConnectRelease implementations. Please note that these errors are intended for pre-production
testing by the financial institution and are therefore not mandated for implementation.
2024.48.1
* Changed account access and insurance permissions from a string to an array of string values
#### Changes in Release 2024.48.0
* Added required fields parId, rarType ConsentBody.CreationDateTime & standardVersion in newConsent object
#### Changes in Release 2024.46.0
* Changed PeriodicSchedule to mandatory in AEServiceInitiationLongLivedPaymentConsent
* Changed AEServiceInitiationFixedDefinedSchedule and
AEServiceInitiationVariableDefinedSchedule to a maximum of 53 items
* Changed ExpirationDateTime to mandatory for insurance consents
* Changed AEPaymentConsumption to match v1.1 of the standards
* Changed AERisk object to provide details of enhanced risk data encrypted as the
payload of the JWE
* Changed ReadPartyPSU and ReadPartyPSUIdentity to ReadPartyUser and
ReadPartyUserIdentity respectively
* Changed PaymentPurposeCode from 4 to 3 characters to match Aani code format
* Changes as per V1.1
* Updated description of `ExpirationDateTime` and `BaseConsentId`
* Removed `FollowingServiceLevel` enum from `CurrencyRequest.ChargeBearer`
* Removed `IsPayByAccount`, `ExpectedInitiationTimeWindow` and added `IsDelegatedAuthentication`
* Added new periodic Schedule type
* Introduced `oneOf` in `PersonalIdentifiableInformation`
* Removed `oneOf` from `DebtorReference`
* Added `ReadRefundAccount` enum in Service Initiation `Permissions`
* Changed `tpp` property in to provide more information about the
TPP and the Client software statement
#### Changes in Release 2024.43.0
* Added OpenFinanceBilling object to AEAccountAccessConsentBody, AEInsuranceConsentBody, AEPaymentConsentResponse, augmentConsentResponse
* Added authorizationChannel
#### Changes in Version 2024.37.0
* Added `default` response to each operation to aid understanding of error handling requirements.
* Removed `additionalProperties: true` as not required and causes tooling issues
#### Changes in Release 2024.34.1
* CreditCard, PrePaidCard, EMoney, ChargeCard and Other enums have been removed from the AccountSubType.
* In AEAccountAccessConsentBody, Purpose field has been made mandatory and it has been made optional in AEInsuranceConsentBody.
* Amount field has been changed from number type to string.
* Amount, MaximumIndividualPaymentAmount and PeriodicSchedule have been made optional in MultiPayment.
* In PeriodicSchedule, DefinedSchedule, FixedPeriodicSchedule and VariablePeriodicSchedule have been made optional.
* In VariablePeriodicSchedule, MaximumCumulativeValueOfPaymentsPerPeriodType and MaximumCumulativeNumberOfPaymentsPerPeriodType have been made optional.
* In VariablePeriodicSchedule, Type field has been removed.
* In FilePayment, RequestedExecutionDateTime has been changed to RequestedExecutionDate
* In AEServiceInitiationDefinedSchedule, maxItems has been updated to 50
* ConnectToken has been added to cbuaePatchBody
* 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
version: Version 20242025.4606.0
servers:
- url: https://<your-ozone-connect-server>
tags:
- name: consent-events
description: |
APIs that are called when a consent is created or modified.
- name: consent-actions
description: |
APIs that are called to take actions on a consent
security:
- {}
- OzoneConnectApiKey: []
- OzoneConnectClientCredentials: [
"placeholder"
]
- OzoneConnectJwtAuth: []
paths:
/consent/event/{operation}:
post:
tags:
- consent-events
summary: Called to inform a financial institution that a consent has been created or modified
description: |
Used by financial institution to get a notification for updated consent.
operationId: consentEvent
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"
# Path param definitions
- name: operation
in: path
description: specifies whether this is a POST or PATCH operation
required: true
schema:
type: string
enum:
- post
- patch
requestBody:
description: |
Sends an event indicating the created or updated consent to an financial institution.
This consists of the entire consent as stored in the consent Manager.
required: true
content:
application/json:
schema:
$ref: "#/components/schemas/consent"
responses:
"204":
description: |
Indicates the successful notification response.
The response does not have a body
"400":
description: |
Indicates that the financial institution could not process the event.
Ozone will ignore these errors.
The notification *will not* be retried.
The change to the consent *will not* be rolled back.
content:
application/json:
schema:
$ref: "#/components/schemas/Error"
default:
$ref: "#/components/responses/Error"
/consent/action/augment:
post:
tags:
- consent-actions
summary: Account action augmentation
description: |
The API is called by Ozone to allow a Financial Institution to augment additional information that may apply to the account consent
The request body contains the entire consent record as stored in the Consent Manager.
operationId: augmentAccountConsent
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"
requestBody:
required: true
content:
application/json:
schema:
$ref: "#/components/schemas/consent"
responses:
"200":
description: |
Indicates a successful operation
The response consists of fields that must be augmented into the consent.
These fields will be different for each consent type.
content:
application/json:
schema:
$ref: "#/components/schemas/augmentConsentResponse"
"400":
description: failed operation
content:
application/json:
schema:
$ref: "#/components/schemas/Error"
default:
$ref: "#/components/responses/Error"
/consent/action/validate:
post:
tags:
- consent-actions
summary: Provides an opportunity for a financial institution to validate a consent before it is created
description: |
The API is called by Ozone to allow a financial institution to carry out additional validations before a consent is created.
The request body contains the entire consent along with contextual information.
Typically this could be used for situations like:
- soft validation of the debtor account (e.g. to ensure that it is a debtor account managed by the financial institution)
- populating charges and exchange rate information
Note that a financial institution only need to implement this API where it needs to correlate information in the consent payload
with data held in its systems. If this is not the case, "local" validations can be configured in Ozone that do not require a remote call.
The financial institution must return a response that includes a status. If the status is set to `valid`, the consent is saved and processing continues.
If the status is set to `invalid` the processing fails and an error response is sent to the TPP.
operationId: validateConsent
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"
requestBody:
required: true
content:
application/json:
schema:
$ref: "#/components/schemas/consent"
responses:
'200':
description: successful operation
content:
application/json:
schema:
$ref: "#/components/schemas/consentValidateResponse"
'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:
augmentConsentResponse:
description: |
Fields to be added to the consent
type: object
properties:
Charges:
$ref: "#/components/schemas/AECharges"
ExchangeRate:
$ref: "#/components/schemas/AEExchangeRateInformation"
OpenFinanceBilling:
$ref: "#/components/schemas/AEOpenFinanceBilling"
AEOpenFinanceBilling:
type: object
properties:
IsLargeCorporate:
type: "boolean"
description: Customer has more than 100 million AED turnover
description: Billing parameters specified by the LFI
additionalProperties: false
AECharges:
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
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"
consent:
description: |
A consent in its current state.
If the consent has been authorised, then it can be expected that the financial institution would have patched in `accountIds` and `psuIdentifier` fields.
Additionally, the financial institution may also patch in an arbitrary set of fields along with consent in the `supplementaryInformation` field.
allOf:
- $ref: "#/components/schemas/newConsent"
- $ref: "#/components/schemas/patchedConsent"
newConsent:
type: object
properties:
id:
type: string
description: |
A unique identifier for the consent in uuid-v4 format.
consentGroupId:
type: string
description: |
A unique identifier for the consent group in uuid-v4 format.
The consent group id is used to group together consents that are related to each other.
requestUrl:
type: string
format: url
description: |
The request url of Http request that was received by Ozone from the TPP
consentType:
type: string
description: |
The type of the consent that is being created.
Each financial institution's instance may support a different set of consent types
The Consent Manager supports the creation of consents of different consent types depending on the standards supported.
- cbuae-account-access-consents
- cbuae-service-initiation-consents
- cbuae-insurance-consents
status:
$ref: "#/components/schemas/AEConsentStatus"
request:
$ref: "#/components/schemas/AuthorizationDetails"
requestHeaders:
type: object
description: |
The entire set of Http request headers that was received by Ozone from the TPP
consentBody:
$ref: "#/components/schemas/cbuaeConsentBody"
authorizationChannel:
type: string
enum:
- App
- Web
interactionId:
type: string
description: |
The heimdall interaction id that this consent is associated with.
tpp:
$ref: "#/components/schemas/tpp"
ozoneSupplementaryInformation:
type: object
updatedAt:
type: number
parId:
type: string
description: |
A unique identifier for the PAR request that created this consent.
The value matches the value of the request_uri returned by the post call to the PAR endpoint.
rarType:
type: string
pattern: '^urn:openfinanceuae:(?:account-access|insurance|service-initiation)-consent:v[0-9]+\.[0-9]+$'
description: |
The authorization detail type of the RAR request that resulted in this consent.
This value matches the Type of the authorization_details element of the RAR request.
type: string Its value will be one description:of |
the authorization_details_types_supported on the well-known endpoint.
The heimdall interactionstandardVersion:
id that this consent is associated with. type: string
tpp: description: |
$ref: "#/components/schemas/tpp" The standardVersion ozoneSupplementaryInformation:field specifies the standardized version of an API set. An API type:set objectrefers to a group of APIs designed to deliver a updatedAt:specific functionality (e.g., accounts, payments, insurance). Example values: 'v1.0', 'v2.1', or type: number'insurance:v1.1'."
required:
- id
- consentType
- request
- requestHeaders
- tpp
patchedConsent:
type: object
properties:
psuIdentifiers:
$ref: "#/components/schemas/psuIdentifiers"
accountIds:
type: array
items:
type: string
minItems: 1
description: |-
An array of account ids associated with the consent. The array must be populated once consent has been authorised.
For payment consents, the array must always have one element - the debtor account from which the payment will be made
For CBPII consents, the array must always have one element - the account for which CoF requests will be answered
For AIS requests, the array may contain multiple values, representing each of the payment accounts for which an AIS service will be provided.
supplementaryInformation:
description:
Contains additional information at the discretion of the financial institution.
type: object
interactionId:
type: string
description: The heimdall interaction id that this consent is associated with. This is updated by heimdall and must not be set by financial institutions.
paymentContext:
type: object
ConnectToken:
type: string
description: A bearer token that will be sent as the `Authorization` header for calls to Ozone Connect made under this consent.
tpp:
description: The TPP record as held by Ozone. If Ozone TPP Connect has been integrated into a
directory, the `directoryRecord` provides the TPP's directory record as held by Ozone in
base 64 encoded format.
type: object
required:
- clientId
- orgId
- softwareStatementId
- tppId
- tppName
- decodedSsa
properties:
clientId:
description: The client identifier for the TPP as issued by the Trust Framework
type: string
pattern: '^[0-9a-fA-F]{8}-[0-9a-fA-F]{4}-4[0-9a-fA-F]{3}-[89abAB][0-9a-fA-F]{3}-[0-9a-fA-F]{12}$'
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
cbuaeConsentBody:
type: object
description: |
An object representing the current state of the consent.
This includes the entire request, augmented by additional computed properties
(e.g. ids, charges etc)
oneOf:
- $ref: "#/components/schemas/AEAccountAccessConsentBody"
- $ref: "#/components/schemas/AEInsuranceConsentBody"
- $ref: "#/components/schemas/AEPaymentConsentResponse"
AuthorizationDetails:
description: |
The request body for creating a new consent.
The body consists of the RAR request that is sent by the TPP to the authorization server.
oneOf:
- $ref: "#/components/schemas/DataSharingAuthorizationDetails"
- $ref: "#/components/schemas/InsuranceAuthorizationDetails"
- $ref: "#/components/schemas/ServiceInitiationAuthorizationDetails"
DataSharingAuthorizationDetails:
type: object
properties:
type:
description: The Rich Authorization Request (RAR) type
type: string
enum:
- urn:openfinanceuae:account-access-consent:v1.1
consent:
$ref: "#/components/schemas/AuthorizationDetailsDataSharingConsent"
subscription:
$ref: '#/components/schemas/EventNotification'
InsuranceAuthorizationDetails:
type: object
properties:
type:
description: The Rich Authorization Request (RAR) type
type: string
enum:
- urn:openfinanceuae:insurance-consent:v1.1
consent:
$ref: "#/components/schemas/AuthorizationDetailsInsuranceConsent"
subscription:
$ref: '#/components/schemas/EventNotification'
ServiceInitiationAuthorizationDetails:
type: object
properties:
type:
description: The Rich Authorization Request (RAR) type
type: string
enum:
- urn:openfinanceuae:service-initiation-consent:v1.1
consent:
$ref: "#/components/schemas/AEServiceInitiationAuthorizationDetailProperties"
subscription:
$ref: '#/components/schemas/EventNotification'
AEAccountAccessOpenFinanceBillingPost:
type: object
required:
- UserType
- Purpose
properties:
UserType:
description: Type of Customer
type: string
enum:
- Retail
- SME
- Corporate
Purpose:
description: Purpose of data sharing request
type: string
enum:
- AccountAggregation
- RiskAssessment
- TaxFiling
- Onboarding
- Verification
- QuoteComparison
- BudgetingAnalysis
- FinancialAdvice
- AuditReconciliation
description: Billing parameters specified by the TPP
additionalProperties: false
AEServiceInitiationAuthorizationDetailProperties:
type: object
required:
- ConsentId
- PersonalIdentifiableInformation
- ControlParameters
- PaymentPurposeCode
- ExpirationDateTime
properties:
ConsentId:
$ref: '#/components/schemas/AEConsentId'
BaseConsentId:
$ref: '#/components/schemas/AEBaseConsentId'
IsSingleAuthorization:
$ref: '#/components/schemas/IsSingleAuthorization'
AuthorizationExpirationDateTime:
type: string
format: date-time
description: |2-
A time by which a Consent (in AwaitingAuthorization status) must be Authorized by the User.
The time window starts from the actual CreationDateTime (when the Consent is staged with the LFI).
If the current time window exceeds the Authorization Expiration Time Window (and the Consent status is AwaitingAuthorization) then the Consent Status must be set to Rejected.
The time window is based on a custom time format hhh:mm:ss. e.g. 720:00:00 represents a time window of 720 hours, 00 minutes, 00 seconds (30 days) after the CreationDateTime to Authorize the Consent.
ExpirationDateTime:
allOf:
- $ref: '#/components/schemas/ARConsentExpirationDateTime'
description: |2-
Specified date and time the consent will expire.
All dates in the JSON payloads are represented in ISO 8601 date-time format.
All date-time fields in responses must include the timezone. An example is :2023-04-05T10:43:07+00:00
Permissions:
type: array
items:
$ref: '#/components/schemas/AEServiceInitiationConsentPermissionCodes'
description: |2-
Specifies the permitted Account Access data types.
This is a list of the data groups being consented by the User, and requested for authorization with the LFI.
This allows a TPP to request a balance check permission.
CurrencyRequest:
$ref: '#/components/schemas/AECurrencyRequest'
PersonalIdentifiableInformation:
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"
ControlParameters:
$ref: '#/components/schemas/AEServiceInitiationConsentControlParameters'
DebtorReference:
$ref: '#/components/schemas/AEServiceInitiationStructuredDebtorReference'
CreditorReference:
$ref: '#/components/schemas/AEServiceInitiationStructuredCreditorReference'
PaymentPurposeCode:
$ref: '#/components/schemas/AEServiceInitiationPaymentPurposeCode'
SponsoredTPPInformation:
$ref: '#/components/schemas/AEServiceInitiationSponsoredTPPInformation'
additionalProperties: false
ARConsentExpirationDateTime:
type: string
format: date-time
AEServiceInitiationSponsoredTPPInformation:
type: object
required:
- Name
- Identification
properties:
Name:
type: string
minLength: 1
maxLength: 50
description: The Sponsored TPP Name
Identification:
type: string
minLength: 1
maxLength: 50
description: The Sponsored TPP Identification
description: |2-
The Sponsored TPP is:
* A TPP that itself has no direct Open Banking API integrations.
* A TPP that is using the integration of another TPP that does have direct Open Banking API integrations.
additionalProperties: false
AEServiceInitiationPaymentPurposeCode:
type: string
minLength: 1
maxLength: 3
pattern: ^[A-Z]{3}$
description: |2-
A Category code, related to the type of services or goods that corresponds to the underlying purpose of the Payment.
* The ISO20022 External code sets
AEServiceInitiationStructuredCreditorReference:
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}($|,.+$)"
AEServiceInitiationConsentControlParameters:
type: object
properties:
IsDelegatedAuthentication:
type: boolean
description: Indicates whether the all payment controls will be defined and managed by the
TPP under the Payment with Delegated Authentication capability
ConsentSchedule:
$ref: '#/components/schemas/AEServiceInitiationConsentSchedule'
description: Control Parameters set the overall rules for the Payment Schedule
additionalProperties: false
AEServiceInitiationConsentSchedule:
type: object
properties:
SinglePayment:
$ref: '#/components/schemas/AEServiceInitiationSinglePayment'
MultiPayment:
$ref: '#/components/schemas/AEServiceInitiationLongLivedPaymentConsent'
FilePayment:
$ref: '#/components/schemas/AEServiceInitiationFilePaymentConsent'
description: |2-
The various payment types that can be initiated:
* A Single Payment
* A Multi-Payment
* A Combined Payment (one SinglePayment and one MultiPayment)
additionalProperties: false
AEServiceInitiationFilePaymentConsent:
type: object
required:
- FileType
- FileHash
- NumberOfTransactions
- ControlSum
properties:
FileType:
type: string
minLength: 1
maxLength: 40
description: Specifies the payment file type
FileHash:
type: string
minLength: 1
maxLength: 44
description: A base64 encoding of a SHA256 hash of the file to be uploaded.
FileReference:
$ref: '#/components/schemas/AEServiceInitiationReference'
NumberOfTransactions:
type: integer
description: >-
Number of individual transactions contained in the payment
information group.
ControlSum:
type: string
pattern: ^\d{1,16}\.\d{2}$
description: >-
Total of all individual amounts included in the group, irrespective
of currencies.
RequestedExecutionDate:
$ref: '#/components/schemas/AERequestedExecutionDate'
description: A Consent definition for defining Bulk/Batch Payments
additionalProperties: false
AEServiceInitiationReference:
type: string
minLength: 1
maxLength: 120
description: A reason or reference in relation to a payment.
AEServiceInitiationLongLivedPaymentConsent:
type: object
required:
- PeriodicSchedule
properties:
MaximumCumulativeValueOfPayments:
allOf:
- $ref: '#/components/schemas/AEAmountAndCurrency'
description: |2-
The maximum cumulative value of all successful payment rails executions under the Consent.
Each successful payment rails execution amount (related to the Consent) is added to the total cumulative value of the Consent which cannot exceed the maximum value agreed with the User at the point of consent.
MaximumCumulativeNumberOfPayments:
type: integer
description: |2-
The maximum cumulative number of all successful payment rails executions under the Consent.
Each successful payment rails execution (related to the Consent) is added to the total cumulative number of payments for the Consent which cannot exceed the maximum value agreed with the User at the point of consent.
PeriodicSchedule:
$ref: >-
#/components/schemas/AEServiceInitiationLongLivedPaymentConsentPeriodicSchedule
description: A Consent definition for defining Multi Payments
additionalProperties: false
AEServiceInitiationLongLivedPaymentConsentPeriodicSchedule:
oneOf:
- $ref: '#/components/schemas/AEServiceInitiationFixedDefinedSchedule'
- $ref: '#/components/schemas/AEServiceInitiationVariableDefinedSchedule'
- $ref: '#/components/schemas/AEServiceInitiationFixedPeriodicSchedule'
- $ref: '#/components/schemas/AEServiceInitiationVariablePeriodicSchedule'
- $ref: '#/components/schemas/AEServiceInitiationFixedOnDemand'
- $ref: '#/components/schemas/AEServiceInitiationVariableOnDemand'
discriminator:
propertyName: Type
description: The definition for a schedule
additionalProperties: false
AEServiceInitiationVariablePeriodicSchedule:
type: object
required:
- Type
- PeriodType
- PeriodStartDate
- MaximumIndividualAmount
properties:
Type:
type: string
enum:
- VariablePeriodicSchedule
PeriodType:
$ref: '#/components/schemas/AEPeriodType'
PeriodStartDate:
$ref: '#/components/schemas/AEPeriodStartDate'
MaximumIndividualAmount:
allOf:
- $ref: '#/components/schemas/AEAmountAndCurrency'
description: >-
This is the Maximum amount a variable payment can take per period.
description: >-
Payment Controls that apply to all payment instructions in a given
period under this payment consent.
The payments for this consent must be executed only on the PeriodStartDate, and
dates recurring based on the PeriodType.
additionalProperties: false
AEServiceInitiationFixedDefinedSchedule:
type: object
required:
- Type
- Schedule
properties:
Type:
type: string
enum:
- FixedDefinedSchedule
description: The Periodic Schedule Type
Schedule:
type: array
items:
$ref: '#/components/schemas/AEServiceInitiationFixedSchedule'
minItems: 1
maxItems: 53
description: >-
Payment Schedule denoting a list of pre-defined future dated payments
all with fixed amounts and dates.
additionalProperties: false
AEServiceInitiationVariableDefinedSchedule:
type: object
required:
- Type
- Schedule
properties:
Type:
type: string
enum:
- VariableDefinedSchedule
description: The Periodic Schedule Type
Schedule:
type: array
items:
$ref: '#/components/schemas/AEServiceInitiationVariableSchedule'
minItems: 1
maxItems: 53
description: >-
Payment Schedule denoting a list of pre-defined future dated payments
all with variable amounts and dates.
additionalProperties: false
AEServiceInitiationFixedPeriodicSchedule:
type: object
required:
- Type
- PeriodType
- PeriodStartDate
- Amount
properties:
Type:
type: string
enum:
- FixedPeriodicSchedule
PeriodType:
$ref: '#/components/schemas/AEPeriodType'
PeriodStartDate:
$ref: '#/components/schemas/AEPeriodStartDate'
Amount:
$ref: '#/components/schemas/AEAmountAndCurrency'
description: >-
Payment Controls that apply to all payment instructions in a given
period under this payment consent.
The payments for this consent must be executed only on the PeriodStartDate, and
dates recurring based on the PeriodType.
additionalProperties: false
AEServiceInitiationFixedOnDemand:
type: object
required:
- Type
- PeriodType
- PeriodStartDate
- Amount
- Controls
properties:
Type:
type: string
enum:
- FixedOnDemand
PeriodType:
$ref: '#/components/schemas/AEPeriodType'
PeriodStartDate:
$ref: '#/components/schemas/AEPeriodStartDate'
Amount:
$ref: '#/components/schemas/AEAmountAndCurrency'
Controls:
type: "object"
minProperties: 1
additionalProperties: false
properties:
MaximumCumulativeValueOfPaymentsPerPeriod:
allOf:
- $ref: '#/components/schemas/AEAmountAndCurrency'
description: >-
The maximum cumulative payment value of all payment initiations per
Period Type.
MaximumCumulativeNumberOfPaymentsPerPeriod:
type: integer
description: The maximum frequency of payment initiations per Period Type.
description: >-
Payment Controls that apply to all payment instructions in a given
period under this payment consent.
The payments for this consent may be executed on any date, as long as they are within the Controls for a PeriodType
additionalProperties: false
AEServiceInitiationVariableOnDemand:
type: object
required:
- Type
- PeriodType
- PeriodStartDate
- Controls
properties:
Type:
type: string
enum:
- VariableOnDemand
PeriodType:
$ref: '#/components/schemas/AEPeriodType'
PeriodStartDate:
$ref: '#/components/schemas/AEPeriodStartDate'
Controls:
type: "object"
minProperties: 1
additionalProperties: false
properties:
MaximumIndividualAmount:
allOf:
- $ref: '#/components/schemas/AEAmountAndCurrency'
description: >-
This is the Maximum amount a variable payment can take per period.
MaximumCumulativeValueOfPaymentsPerPeriod:
allOf:
- $ref: '#/components/schemas/AEAmountAndCurrency'
description: >-
The maximum cumulative payment value of all payment initiations per
Period Type.
MaximumCumulativeNumberOfPaymentsPerPeriod:
type: integer
description: The maximum frequency of payment initiations per Period Type.
description: >-
Payment Controls that apply to all payment instructions in a given
period under this payment consent.
The payments for this consent may be executed on any date, as long as they are within the Controls for a PeriodType
additionalProperties: false
AEServiceInitiationFixedSchedule:
type: object
required:
- PaymentExecutionDate
- Amount
properties:
PaymentExecutionDate:
type: string
format: date
description: |2-
Used to specify the expected payment execution date/time.
All dates in the JSON payloads are represented in ISO 8601 date format.
An example is: 2023-04-05
Amount:
$ref: '#/components/schemas/AEAmountAndCurrency'
additionalProperties: false
AEServiceInitiationVariableSchedule:
type: object
required:
- PaymentExecutionDate
- MaximumIndividualAmount
properties:
PaymentExecutionDate:
type: string
format: date
description: >-
Used to specify the expected payment execution date/time.
All dates in the JSON payloads are represented in ISO 8601 date format.
An example is: 2023-04-05
MaximumIndividualAmount:
allOf:
- $ref: '#/components/schemas/AEAmountAndCurrency'
description: >-
This is the Maximum amount a variable payment can take per period.
additionalProperties: false
AEServiceInitiationSinglePayment:
anyOf:
- $ref: '#/components/schemas/AEServiceInitiationSingleInstantPayment'
- $ref: '#/components/schemas/AEServiceInitiationFutureDatedPayment'
discriminator:
propertyName: Type
mapping:
SingleInstantPayment: '#/components/schemas/AEServiceInitiationSingleInstantPayment'
SingleFutureDatedPayment: '#/components/schemas/AEServiceInitiationFutureDatedPayment'
description: A Consent definition for defining Single Payments
AEServiceInitiationFutureDatedPayment:
type: object
required:
- Type
- Amount
- RequestedExecutionDate
properties:
Type:
type: string
enum:
- SingleFutureDatedPayment
Amount:
$ref: '#/components/schemas/AEAmountAndCurrency'
RequestedExecutionDate:
$ref: '#/components/schemas/AERequestedExecutionDate'
description: A single payment consent that MUST be used for a single payment executed by the LFI
on a future date. This payment consent will be authorized by the User during
the payment journey, and the payment will be executed by the TPP immediately.
additionalProperties: false
AEServiceInitiationSingleInstantPayment:
type: object
required:
- Type
- Amount
properties:
Type:
type: string
enum:
- SingleInstantPayment
description: The Payment Type
Amount:
$ref: '#/components/schemas/AEAmountAndCurrency'
description: >-
A single immediate payment consent that MUST be used for a single
payment which will be initiated immediately after User authorization at
the LFI.
additionalProperties: false
AEAmountAndCurrency:
type: object
required:
- Currency
- Amount
properties:
Currency:
$ref: '#/components/schemas/CurrencyCode'
Amount:
$ref: '#/components/schemas/Amount'
description: >-
The Currency and Amount relating to the Payment
additionalProperties: false
Amount:
type: string
pattern: ^\\d{1,16}\\.\\d{2}$
CurrencyCode:
type: string
pattern: ^[A-Z]{3}$
IsSingleAuthorization:
description: |
Specifies to the LFI that the consent authorization must be completed in a single authorization Step
with the LFI
type: "boolean"
AEServiceInitiationConsentPermissionCodes:
type: string
enum:
- ReadAccountsBasic
- ReadAccountsDetail
- ReadBalances
- ReadRefundAccount
AEJWEPaymentPII:
type: string
description: |
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.
example: "eyJhbGciOiJSU0EtT0FFUCIsImVuYyI6IkEyNTZHQ00ifQ...."
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:
DebtorAccount:
type: "object"
additionalProperties: false
required:
- "SchemeName"
- "Identification"
description: "Unambiguous identification of the account of the debtor to which a debit entry will be made as a result of the transaction."
properties:
SchemeName:
description: "Name of the identification scheme, in a coded form as published in an external list."
type: "string"
enum:
- "IBAN"
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:
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
Creditor:
description: |
(Array) Identification elements for a Creditor associated with the consent
type: "array"
minItems: 1
items:
$ref: "#/components/schemas/AECreditor"
Risk:
$ref: "#/components/schemas/AERisk"
AECreditor:
additionalProperties: false
type: object
description: Identification elements for a Creditor.
properties:
CreditorAgent:
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"
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:
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
CreditorAccount:
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"
ConfirmationOfPayeeResponse:
$ref: "#/components/schemas/AEConfirmationOfPayeeResponse"
AERisk:
additionalProperties: false
description: |
The 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"
properties:
DebtorIndicators:
$ref: "#/components/schemas/AEDebtorIndicators"
DestinationDeliveryAddress:
type: "object"
description: |
Destination Delivery Address
properties:
RecipientType:
type: "string"
description: "The recipient of the goods whether an individual or a corporation."
enum:
- "Individual"
- "Corporate"
RecipientName:
type: "object"
description: "The name of the recipient of the goods, whether an individual or a corporation."
properties:
en:
type: "string"
description: "English value of the string"
ar:
type: "string"
description: "Arabic value of the string"
NationalAddress:
$ref: "#/components/schemas/AEAddress"
TransactionIndicators:
$ref: "#/components/schemas/AETransactionIndicators"
CreditorIndicators:
$ref: "#/components/schemas/AECreditorIndicators"
AEDebtorIndicators:
type: "object"
description: |
Debtor (User) Indicators
properties:
Authentication:
type: "object"
description: "The authentication method used by the User to access their account with the TPP"
properties:
AuthenticationChannel:
description: Channel on which the User was authenticated
type: string
enum:
- App
- Web
PossessionFactor:
type: "object"
description: "The User's possession, that only the User possesses"
properties:
IsUsed:
type: "boolean"
Type:
type: "string"
enum:
- FIDO2SecurityKey
- Passkey
- OTPDevice
- OTPApp
- SMSOTP
- EmailOTP
- PushNotification
- WebauthnToken
- SecureEnclaveKey
- HardwareOTPKey
- TrustedDevice
- Other
KnowledgeFactor:
type: "object"
description: "The User's knowledge, that only the User knows"
properties:
IsUsed:
type: "boolean"
Type:
type: "string"
enum:
- PIN
- Password
- SecurityQuestion
- SMSOTP
- EmailOTP
- OTPPush
- Other
InherenceFactor:
type: "object"
description: "The User's inherance, that is unique to the User's physical characteristics"
properties:
IsUsed:
type: "boolean"
Type:
type: "string"
enum:
- Biometric
- Fingerprint
- FaceRecognition
- IrisScan
- VoiceRecognition
- FIDOBiometric
- DeviceBiometrics
- Other
ChallengeOutcome:
type: "string"
description: "The result of multi-factor authentication performed by the TPP, with NotPerformed indication the User was not required to authenticate before consenting to the requested payment"
enum:
- Pass
- Fail
- NotPerformed
AuthenticationFlow:
type: "string"
enum:
- MFA
- Other
AuthenticationValue:
type: "string"
description: "Cryptographic proof of authentication where supported by the device and protocol."
ChallengeDateTime:
type: "string"
format: "date-time"
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"
DeviceInformation:
type: "object"
description: "Detailed device information"
properties:
DeviceId:
type: "string"
description: "IMEISV number of the connected electronic device"
AlternativeDeviceId:
type: "string"
description: "Alternative identifier for the connected electronic device"
DeviceOperatingSystem:
type: "string"
description: "Device operating system"
DeviceOperatingSystemVersion:
type: "string"
description: "Device operating system version"
DeviceBindingId:
type: "string"
description: "An identifier that associates a device uniquely with a specific application"
LastBindingDateTime:
type: "string"
format: "date-time"
description: "Date and time when the device was last bound to the application"
BindingDuration:
type: "string"
format: "duration"
description: "ISO 8601 duration since device was last bound (e.g., P30D for 30 days)"
BindingStatus:
type: "string"
description: "Current status of the device binding"
enum:
- Active
- Expired
- Revoked
- Suspended
DeviceType:
type: "string"
description: "Type of device used"
enum:
- Mobile
- Desktop
- Tablet
- Wearable
- Other
DeviceManufacturer:
type: "object"
properties:
Model:
type: "string"
description: "Device model name"
maxLength: 50
Manufacturer:
type: "string"
description: "Device manufacturer"
maxLength: 50
DeviceLanguage:
type: "string"
description: "Device language"
DeviceLocalDateTime:
type: "string"
description: "Device local time"
ConnectionType:
type: "string"
description: "Type of connection to the internet"
enum:
- WiFi
- Cellular
- Other
ScreenInformation:
type: "object"
properties:
PixelDensity:
type: "number"
description: "Screen pixel density"
Orientation:
type: "string"
enum:
- Portrait
- Landscape
BatteryStatus:
type: "object"
properties:
Level:
type: "number"
minimum: 0
maximum: 100
IsCharging:
type: "boolean"
TouchSupport:
type: "object"
properties:
Supported:
type: "boolean"
MaxTouchPoints:
type: "integer"
minimum: 0
MotionSensors:
type: "object"
properties:
Status:
type: "string"
enum:
- InMotion
- Stationary
Accelerometer:
type: "boolean"
Gyroscope:
type: "boolean"
DeviceEnvironmentContext:
type: "array"
description: "List of device environment context"
items:
type: "string"
enum:
- VPNDetected
- EmulatorDetected
BiometricCapabilities:
type: "object"
description: "Device biometric capabilities"
properties:
SupportsBiometric:
type: "boolean"
description: "Whether device supports biometric authentication"
BiometricTypes:
type: "array"
description: "Types of biometric authentication supported"
items:
type: "string"
enum:
- Fingerprint
- FacialRecognition
- Iris
- VoicePrint
- Other
AppInformation:
type: "object"
description: "Mobile application specific information"
properties:
AppVersion:
type: "string"
description: "Version of the mobile application"
PackageName:
type: "string"
description: "Application package identifier"
BuildNumber:
type: "string"
description: "Application build number"
BrowserInformation:
type: "object"
description: "Browser-specific information"
properties:
UserAgent:
type: "string"
description: "Complete browser user agent string"
IsCookiesEnabled:
type: "boolean"
description: "Whether cookies are enabled in the browser"
AvailableFonts:
type: "array"
description: "List of available fonts"
items:
type: "string"
Plugins:
type: "array"
description: "List of installed browser plugins"
items:
type: "string"
PixelRatio:
type: "number"
description: "Device pixel ratio for scaling"
UserBehavior:
type: "object"
description: "User behavior indicators"
properties:
ScrollBehavior:
type: "object"
properties:
Direction:
type: "string"
enum:
- Up
- Down
- Both
Speed:
type: "number"
description: "Average scroll speed in pixels per second"
Frequency:
type: "number"
description: "Number of scroll events per minute"
AccountRiskIndicators:
type: "object"
description: "Risk indicators related to the account"
properties:
UserOnboardingDateTime:
type: "string"
format: "date-time"
description: "The exact date and time when the User account was activated with the TPP."
LastAccountChangeDate:
type: "string"
format: "date"
description: "Date that the User's account was last changed"
LastPasswordChangeDate:
type: "string"
format: "date"
description: "Date of the last password change by the User"
SuspiciousActivity:
type: "string"
description: "Indicates any suspicious activity associated with the account"
enum:
- NoSuspiciousActivity
- SuspiciousActivityDetected
TransactionHistory:
type: "object"
properties:
LastDay:
type: "integer"
description: "Total transactions made by the account in the last 24 hours"
minimum: 0
LastYear:
type: "integer"
description: "Total transactions made by the account in the past year"
minimum: 0
SupplementaryData:
type: "object"
description: |
Additional information that cannot be captured in the structured fields and/or any other specific block
This may include information that is not available in the structured fields, such as a user's behavioural data
like their typing speed and typing patterns.
properties: {}
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
ChannelType:
type: "string"
description: "The channel through which the transaction is being conducted"
enum:
- ECommerce
- InStore
- InApp
- Telephone
- Mail
- RecurringPayment
- Other
SubChannelType:
type: "string"
description: "More specific classification of the transaction channel"
enum:
- WebBrowser
- MobileApp
- SmartTV
- WearableDevice
- POSTerminal
- ATM
- KioskTerminal
- Other
PaymentProcess:
type: "object"
description: "Metrics related to the payment process duration and attempts"
properties:
TotalDuration:
type: "integer"
description: "Total time in seconds from payment initiation to completion"
minimum: 0
CurrentSessionAttempts:
type: "integer"
description: "Number of payment attempts in the current session"
minimum: 1
CurrentSessionFailedAttempts:
type: "integer"
description: "Number of failed payment attempts in the current session"
minimum: 0
Last24HourAttempts:
type: "integer"
description: "Number of payment attempts in the last 24 hours"
minimum: 0
Last24HourFailedAttempts:
type: "integer"
description: "Number of failed payment attempts in the last 24 hours"
minimum: 0
MerchantRisk:
type: "object"
description: "Risk indicator details provided by the merchant"
properties:
DeliveryTimeframe:
type: "string"
description: "Timeframe for the delivery of purchased items"
enum:
- ElectronicDelivery
- SameDayShipping
- OvernightShipping
- MoreThan1DayShipping
ReorderItemsIndicator:
type: "string"
description: "Indicates if the transaction is a reorder"
enum:
- FirstTimeOrder
- Reorder
PreOrderPurchaseIndicator:
type: "string"
description: "Indicates if this is a pre-ordered item"
enum:
- MerchandiseAvailable
- FutureAvailability
IsGiftCardPurchase:
type: "boolean"
description: "Indicates if the transaction includes a gift card"
IsDeliveryAddressMatchesBilling:
type: "boolean"
description: "Indicates if delivery address matches billing address"
AddressMatchLevel:
type: "string"
description: "Level of match between delivery and billing addresses"
enum:
- FullMatch
- PartialMatch
- NoMatch
- NotApplicable
SupplementaryData:
type: "object"
description: |
Additional information that cannot be captured in the structured fields and/or any other specific block
properties: {}
AECreditorIndicators:
type: "object"
description: |
Creditor Indicators
properties:
AccountType:
$ref: "#/components/schemas/AEAccountTypeCode"
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"
SupplementaryData:
type: "object"
description: |
Additional information that cannot be captured in the structured fields and/or any other specific block
properties: {}
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:
$ref: "#/components/schemas/AEName"
additionalProperties: false
AERiskExternalAccountIdentificationCode:
description: "Name of the identification scheme, in a coded form as published in an external list."
type: "string"
enum:
- "EmiratesID"
- "TradeLicenceNumber"
AEConfirmationOfPayeeResponse:
description: The JSON Web Signature returned by the Payee Confirmation operation at the Confirmation of Payee API. The value must be the full JWS string, including the header and signature, without decoding to an object. If Confirmation of Payee is not performed this property can be omitted
type: string
pattern: '^.+\..+\..+$'
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"
AECreditorExternalAccountIdentificationCode:
description: "Name of the identification scheme, in a coded form as published in an external list."
type: "string"
enum:
- "IBAN"
- "AccountNumber"
AEIdentification:
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
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
AETradingName:
type: "object"
description: |
The Trading Brand Name (if applicable) for the Creditor.
Applicable to Payments.
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
AuthorizationDetailsDataSharingConsent:
type: object
required:
- ConsentId
- Permissions
- OpenFinanceBilling
- ExpirationDateTime
properties:
ConsentId:
$ref: '#/components/schemas/AEConsentId'
Permissions:
type: array
items:
$ref: '#/components/schemas/AEAccountAccesssConsentPermissionCodesAEAccountAccessConsentPermissionCodes'
minItems: 1
OpenFinanceBilling:
$ref: '#/components/schemas/AEAccountAccessOpenFinanceBillingPost'
allOf:
- $ref: '#/components/schemas/AEAccountAccessAuthorizationDetailsProperties'
additionalProperties: false
AuthorizationDetailsInsuranceConsent:
type: object
required:
- ConsentId
- Permissions
- OpenFinanceBilling
- ExpirationDateTime
properties:
BaseConsentId:
type: string
description: >-
The original ConsentId assigned by the TPP
ExpirationDateTime:
type: string
format: date-time
description: >-
Specified date and time the permissions will expire. All date-time fields in responses must include the timezone. An example is below: 2017-04-05T10:43:07+00:00
OnBehalfOf:
$ref: '#/components/schemas/OnBehalfOfOnBehalfOf'
ConsentId:
$ref: '#/components/schemas/AEConsentId'
ConsentIdPermissions:
$reftype: '#/components/schemas/AEConsentId' array
Permissionsitems:
$ref: '#/components/schemas/AEInsuranceConsentPermissions'
minItems: 1
OpenFinanceBilling:
$ref: '#/components/schemas/AEInsuranceOpenFinanceBillingPost'
AEInsuranceOpenFinanceBillingPost:
type: object
required:
- Purpose
properties:
Purpose:
description: Purpose of data sharing request
type: string
enum:
- AccountAggregation
- RiskAssessment
- PremiumHistory
- ClaimHistory
- Onboarding
- Verification
- QuoteComparison
- FinancialAdvice
description: Billing parameters specified by the TPP
additionalProperties: false
AEAccountAccessAuthorizationDetailsProperties:
type: object
properties:
BaseConsentId:
$ref: '#/components/schemas/AEBaseConsentId'
ExpirationDateTime:
type: string
format: date-time
description: >-
Specified date and time the permissions will expire.
All date-time fields in responses must include the timezone. An
example is below:
2017-04-05T10:43:07+00:00
TransactionFromDateTime:
type: string
format: date-time
description: |2-
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.All dates in the JSON payloads are represented in
ISO 8601 date-time format.
All date-time fields in responses must include the timezone. An
example is below:
2017-04-05T10:43:07+00:00
TransactionToDateTime:
type: string
format: date-time
description: |2-
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.All
dates in the JSON payloads are represented in ISO 8601 date-time
format.
All date-time fields in responses must include the timezone. An
example is below:
2017-04-05T10:43:07+00:00
AccountType:
type: array
items:
$ref: '#/components/schemas/AEExternalAccountTypeCode'
AccountSubType:
type: array
items:
$ref: '#/components/schemas/AEAccountSubTypeCode'
OnBehalfOf:
$ref: '#/components/schemas/AEOnBehalfOf'
additionalProperties: false
AEExternalAccountTypeCode:
description: Specifies the type of account (Retail, SME or Corporate).
type: string
enum:
- Retail
- SME
- Corporate
OnBehalfOf:
type: object
description: On Behalf Of
properties:
TradingName:
type: string
description: Trading Name
example: Acme Accounting Trading Name
LegalName:
type: string
description: Legal Name
example: Acme Accounting Legal Name
IdentifierType:
type: string
description: Identifier Type
enum:
- Other
Identifier:
type: string
description: Identifier
example: abcd1234
additionalProperties: false
AEInsuranceConsentPermissions:
type: string
enum:
- ReadMotorInsurancePolicies
- ReadMotorInsuranceCustomerBasic
- ReadMotorInsuranceCustomerDetail
- ReadMotorInsuranceCustomerPaymentDetails
- ReadMotorInsuranceProduct
- ReadMotorInsuranceTransactions
EventNotification:
type: object
description: |
A Webhook Subscription Schema
required:
- Webhook
properties:
Webhook:
description: |
A Webhook Schema
type: object
required:
- Url
- IsActive
properties:
Url:
description: |
The TPP Callback URL being registered with the LFI
type: string
example: https://api.tpp.com/webhook/callbackUrl
IsActive:
description: >
The TPP specifying whether the LFI should send (IsActive true)
or not send (IsActive false) Webhook Notifications to the TPP's
Webhook URL
type: boolean
example: false
additionalProperties: false
additionalProperties: false
AEInsuranceConsentBody:
type: object
required:
- Data
properties:
Data:
type: object
required:
- "ConsentId"
- "OpenFinanceBilling"
- "Permissions"
- "ExpirationDateTime"
properties:
ConsentId:
$ref: '#/components/schemas/AEConsentId'
Permissions:
type: array
items:
$ref: '#/components/schemas/AEInsuranceConsentPermissions'
minItems: 1
OpenFinanceBilling:
$ref: '#/components/schemas/AEInsuranceOpenFinanceBilling'
allOf:
- $ref: '#/components/schemas/AEInsuranceAuthorizationDetailProperties'
additionalProperties: false
Meta:
type: object
properties:
MultipleAuthorizers:
$ref: '#/components/schemas/AEMetaMultiAuthorization'
Subscription:
type: object
properties:
Webhook:
$ref: '#/components/schemas/Webhook'
AEAccountAccessConsentBody:
type: object
required:
- Data
properties:
Data:
type: object
required:
- "ConsentId"
- "OpenFinanceBilling"
- "Permissions"
- "ExpirationDateTime"
properties:
ConsentId:
$ref: '#/components/schemas/AEConsentId'
Permissions:
type: array
items:
$ref: '#/components/schemas/AEAccountAccesssConsentPermissionCodes'AEAccountAccessConsentPermissionCodes'
minItems: 1
OpenFinanceBilling:
$ref: '#/components/schemas/AEAccountAccessOpenFinanceBilling'
allOf:
- $ref: '#/components/schemas/AEAccountAccessAuthorizationDetailProperties'
additionalProperties: false
Meta:
type: object
properties:
MultipleAuthorizers:
$ref: '#/components/schemas/AEMetaMultiAuthorization'
Subscription:
type: object
required:
- Webhook
properties:
Webhook:
$ref: '#/components/schemas/Webhook'
AEInsuranceAuthorizationDetailProperties:
type: object
properties:
BaseConsentId:
$ref: '#/components/schemas/AEBaseConsentId'
ExpirationDateTime:
type: string
format: date-time
description: >-
Specified date and time the permissions will expire.
All date-time fields in responses must include the timezone. An
example is below:
2017-04-05T10:43:07+00:00
TransactionFromDateTime:
type: string
format: date-time
description: |2-
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.All dates in the JSON payloads are represented in
ISO 8601 date-time format.
All date-time fields in responses must include the timezone. An
example is below:
2017-04-05T10:43:07+00:00
TransactionToDateTime:
type: string
format: date-time
description: |2-
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.All
dates in the JSON payloads are represented in ISO 8601 date-time
format.
All date-time fields in responses must include the timezone. An
example is below:
2017-04-05T10:43:07+00:00
AccountType:
type: array
items:
$ref: '#/components/schemas/AEAccountTypeCode'
AccountSubType:
type: array
items:
$ref: '#/components/schemas/AEAccountSubTypeCode'
OnBehalfOf:
$ref: '#/components/schemas/AEOnBehalfOf'
Status:
$ref: '#/components/schemas/AEAccountAccessConsentStatus'
Purpose:
type: array
items:
$ref: '#/components/schemas/AEInsuranceConsentPurpose'
RevokedBy:
$ref: '#/components/schemas/AERevokedBy'
CreationDateTime:
$ref: "#/components/schemas/AECreationDateTime"
additionalProperties: false
AEInsuranceOpenFinanceBilling:
type: object
required:
- Purpose
properties:
IsLargeCorporate:
type: "boolean"
description: Customer has more than 100 million AED turnover
Purpose:
description: Purpose of data sharing request
type: string
enum:
- AccountAggregation
- RiskAssessment
- PremiumHistory
- ClaimHistory
- Onboarding
- Verification
- QuoteComparison
- FinancialAdvice
description: Billing parameters specified by the TPP
additionalProperties: false
AEInsuranceConsentPurpose:
type: string
enum:
- InsurancePolicyAggregation
- PersonalFinanceManager
- CreditAssessment
- MotorInsuranceQuote
- EnterpriseFinancialManagement
- Other
AEMetaMultiAuthorization:
type: "object"
description: |
Meta Data with Multi-Authorization relevant to the payload.
For a payment, it represents any Authorizers within the financial institution domain that are involved in approving the payment request.
properties:
TotalRequired:
description: |
The total number of Authorizers required to process the request
type: "number"
Authorizations:
type: "array"
items:
description: |
Authorizer
type: "object"
properties:
AuthorizerId:
description: |
The Authorizer's Identifier
type: "string"
AuthorizerType:
description: |
The Type of Authorizer. For example, Financial, Management, etc.
type: "string"
AuthorizationDate:
description: |
The DateTime of when the Authorization occurred. 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:\n2023-04-05T10:43:07+00:00
type: "string"
format: "date-time"
AuthorizationStatus:
description: |
The Status reflecting the Authorizer's final decision regarding the request
type: "string"
enum:
- "Pending"
- "Approved"
- "Rejected"
additionalProperties: false
additionalProperties: false
additionalProperties: false
AEConsentId:
type: string
minLength: 1
maxLength: 128
description: >-
Unique identification assigned by the TPP to identify the consent
resource.
AEAccountAccesssConsentPermissionCodesAEAccountAccessConsentPermissionCodes:
type: string
enum:
- ReadAccountsBasic
- ReadAccountsDetail
- ReadBalances
- ReadBeneficiariesBasic
- ReadBeneficiariesDetail
- ReadTransactionsBasic
- ReadTransactionsDetail
- ReadTransactionsCredits
- ReadTransactionsDebits
- ReadProduct
- ReadScheduledPaymentsBasic
- ReadScheduledPaymentsDetail
- ReadDirectDebits
- ReadStandingOrdersBasic
- ReadStandingOrdersDetail
- ReadConsents
- ReadPartyUser
- ReadPartyUserIdentity
- ReadParty
description: >-
Specifies the permitted account access policy data types.
This is a list of the data groups being consented by the User, and
requested for authorization with the LFI.
AEAccountAccessAuthorizationDetailProperties:
type: object
required:
- Purpose
- OpenFinanceBilling
properties:
BaseConsentId:
$ref: '#/components/schemas/AEBaseConsentId'
ExpirationDateTime:
type: string
format: date-time
description: >-
Specified date and time the permissions will expire.
All date-time fields in responses must include the timezone. An
example is below:
2017-04-05T10:43:07+00:00
TransactionFromDateTime:
type: string
format: date-time
description: |2-
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.All dates in the JSON payloads are represented in
ISO 8601 date-time format.
All date-time fields in responses must include the timezone. An
example is below:
2017-04-05T10:43:07+00:00
TransactionToDateTime:
type: string
format: date-time
description: |2-
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.All
dates in the JSON payloads are represented in ISO 8601 date-time
format.
All date-time fields in responses must include the timezone. An
example is below:
2017-04-05T10:43:07+00:00
AccountType:
type: array
items:
$ref: '#/components/schemas/AEAccountTypeCode'
AccountSubType:
type: array
items:
$ref: '#/components/schemas/AEAccountSubTypeCode'
OnBehalfOf:
$ref: '#/components/schemas/AEOnBehalfOf'
Status:
$ref: '#/components/schemas/AEAccountAccessConsentStatus'
Purpose:
type: array
items:
$ref: '#/components/schemas/AEAccountAccessConsentPurpose'
RevokedBy:
$ref: '#/components/schemas/AERevokedBy'
OpenFinanceBilling:
$ref: '#/components/schemas/AEAccountAccessOpenFinanceBilling'
CreationDateTime:
$ref: "#/components/schemas/AECreationDateTime"
additionalProperties: false
AEAccountAccessOpenFinanceBilling:
type: object
required:
- UserType
- Purpose
properties:
IsLargeCorporate:
type: "boolean"
description: Customer has more than 100 million AED turnover
UserType:
description: Type of Customer
type: string
enum:
- Retail
- SME
- Corporate
Purpose:
description: Purpose of data sharing request
type: string
enum:
- AccountAggregation
- RiskAssessment
- TaxFiling
- Onboarding
- Verification
- QuoteComparison
- BudgetingAnalysis
- FinancialAdvice
- AuditReconciliation
description: Billing parameters specified by the TPP
additionalProperties: false
AEAccountAccessConsentStatus:
description: >-
Consent Status is set
to either Authorized ,Revoked ,Rejected or AwaitingAuthorization
type: string
enum:
- Authorized
- AwaitingAuthorization
- Rejected
- Revoked
- Expired
- Suspended
AEAccountAccessConsentPurpose:
type: string
enum:
- Account Aggregation
- Personal Finance Manager
- Credit Assessment
- Tax Filing
- Enterprise Financial Management
- Other
AEAccountSubTypeCode:
type: string
enum:
- CurrentAccount
- Savings
description: Specifies the sub type of account (product family group)
AEAccountTypeCode:
type: string
enum:
- Retail
- SME
- Corporate
description: Specifies the type of account (Retail, SME or Corporate).
AEPaymentConsentResponse:
description: |
Payment Consent Response Schema
type: "object"
additionalProperties: false
required:
- "Data"
properties:
Data:
type: "object"
additionalProperties: false
required:
- "ConsentId"
- "Status"
- "ExpirationDateTime"
properties:
ConsentId:
$ref: "#/components/schemas/AEConsentId"
BaseConsentId:
$ref: "#/components/schemas/AEBaseConsentId"
IsSingleAuthorization:
description: |
Specifies to the LFI that the consent authorization must be completed in a single authorization Step
with the LFI
type: "boolean"
AuthorizationExpirationDateTime:
$ref: "#/components/schemas/AEAuthorizationExpirationDateTime"
Permissions:
$ref: "#/components/schemas/AEConsentPermissions"
AcceptedAuthorizationType:
$ref: "#/components/schemas/AEAcceptedAuthorizationType"
ExpirationDateTime:
$ref: "#/components/schemas/AEConsentExpirationDateTime"
Status:
$ref: "#/components/schemas/AEConsentStatus"
RevokedBy:
$ref: "#/components/schemas/AERevokedBy"
CreationDateTime:
$ref: "#/components/schemas/AECreationDateTime"
StatusUpdateDateTime:
$ref: "#/components/schemas/AEStatusUpdateDateTime"
Charges:
$ref: "#/components/schemas/AECharges"
ExchangeRate:
$ref: "#/components/schemas/AEExchangeRateInformation"
CurrencyRequest:
$ref: "#/components/schemas/AECurrencyRequest"
ControlParameters:
$ref: '#/components/schemas/AEServiceInitiationConsentControlParameters'
DebtorReference:
$ref: "#/components/schemas/AEServiceInitiationStructuredDebtorReference"
CreditorReference:
$ref: "#/components/schemas/AEReference"
PaymentPurposeCode:
$ref: "#/components/schemas/AEPaymentPurposeCode"
SponsoredTPPInformation:
$ref: "#/components/schemas/AESponsoredTPPInformation"
PaymentConsumption:
$ref: "#/components/schemas/AEPaymentConsumption"
OpenFinanceBilling:
$ref: "#/components/schemas/AEServiceInitiationOpenFinanceBilling"
Subscription:
$ref: "#/components/schemas/AEEventNotification"
Meta:
$ref: "#/components/schemas/AEMetaMultiAuthorization"
AEServiceInitiationOpenFinanceBilling:
type: object
properties:
IsLargeCorporate:
type: "boolean"
description: Customer has more than 100 million AED turnover
description: Billing parameters specified by the LFI
additionalProperties: false
AEPaymentConsumption:
type: "object"
description: |
Data to track the consumption of Payments in relation to an authorized Consent Schedule
required:
- "CumulativeNumberOfPayments"
- "CumulativeValueOfPayments"
properties:
CumulativeNumberOfPayments:
type: "number"
description: |
The cumulative number of payment instructions initiated under the consent schedule, excluding instructions in a Rejected state.
minLength: 1
example: 4
CumulativeValueOfPayments:
description: |
The cumulative value of payment instructions initiated under the consent schedule, excluding instructions in a Rejected state.
A number of monetary units specified in an active currency where the unit of currency is explicit and compliant with ISO 4217."
type: "object"
required:
- "Amount"
- "Currency"
properties:
Amount:
$ref: "#/components/schemas/AEActiveOrHistoricAmount"
Currency:
$ref: "#/components/schemas/AEActiveOrHistoricCurrencyCode"
CumulativeNumberOfPaymentsInCurrentPeriod:
type: "number"
description: |
The cumulative number of payment instructions in the current period initiated under the consent schedule, excluding instructions in a Rejected state.
minLength: 1
example: 1
CumulativeValueOfPaymentsInCurrentPeriod:
description: |
The cumulative value of payment instructions in the current period initiated under the consent schedule, excluding instructions in a Rejected state.
A number of monetary units specified in an active currency where the unit of currency is explicit and compliant with ISO 4217."
type: "object"
required:
- "Amount"
- "Currency"
properties:
Amount:
$ref: "#/components/schemas/AEActiveOrHistoricAmount"
Currency:
$ref: "#/components/schemas/AEActiveOrHistoricCurrencyCode"
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"
AEConsentExpirationDateTime:
description: |2-
Specified date and time the consent will expire.
All dates in the JSON payloads are represented in ISO 8601 date-time format.
All date-time fields in responses must include the timezone. An example is :2023-04-05T10:43:07+00:00
type: "string"
format: "date-time"
AEConsentStatus:
description: |
Specifies the status of a payment consent.
| Consent Status| State Type| Description|
|---------------|-----------|------|
| AwaitingAuthorization | Pending | The consent is awaiting authorization.|
| Authorized | In Use | The consent has been successfully authorized.|
| Rejected | Terminal | The unauthorized consent has been rejected at the LFI.|
| Revoked | Terminal | The consent has been revoked at the TPP or LFI.|
| Expired | Terminal | The consent is now expired.|
| Consumed | Terminal | The consented action(s) have either been completed successfully.|
| Suspended | In Use | The consent has been suspended, pending further enquiries.|
type: "string"
enum:
- "AwaitingAuthorization"
- "Authorized"
- "Rejected"
- "Revoked"
- "Expired"
- "Consumed"
- "Suspended"
AECreationDateTime:
description: "Date and time at which the message was created. 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:\n2023-04-05T10:43:07+00:00"
type: "string"
format: "date-time"
AEStatusUpdateDateTime:
description: "Date and time at which the resource status was updated.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:\n2023-04-05T10:43:07+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
AEPeriodType:
type: "string"
description: |
A Period may begin from the Consent CreationDateTime if a PeriodStartDate is not provided.
|Period Type|Description|
|-----------|-----------|
|Day|A continuous period of time, consisting of 24 consecutive hours, starting from midnight (00:00:00) and finishing at 23:59:59 of the same day. |
|Week|A continuous period of time, consisting of seven consecutive days, starting from midnight (00:00:00) and finishing at 23:59:59 of the 7th day. |
|Month|A continuous period of time starting from midnight (00:00:00) of the first day of a month and finishing at 23:59:59 of the last day of that month.|
|Year|A continuous period of time, consisting of 12 months.|
enum:
- Day
- Week
- Month
- Year
AEPeriodStartDate:
type: "string"
description: |
* Payments: Specifies the start date of when a payment schedule begins.
format: "date"
AEServiceInitiationStructuredDebtorReference:
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.
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}($|,.+$)"
AEPaymentPurposeCode:
description: A category code that relates to the type of services or goods that corresponds to the underlying purpose of the payment. The code must conform to the published AANI payment purpose code list.
type: "string"
minLength: 1
maxLength: 4
pattern: "^[A-Z]{3}$"
AESponsoredTPPInformation:
type: "object"
description: |
The Sponsored TPP is:
* A TPP that itself has no direct Open Banking API integrations.
* A TPP that is using the integration of another TPP that does have direct Open Banking API integrations.
properties:
Name:
type: "string"
minLength: 1
maxLength: 50
description: |
The Sponsored TPP Name
Identification:
type: "string"
minLength: 1
maxLength: 50
description: |
The Sponsored TPP Identification
additionalProperties: false
AEBaseConsentId:
type: string
minLength: 1
maxLength: 128
description: >-
The original ConsentId assigned by the TPP
AEOnBehalfOf:
type: object
properties:
TradingName:
type: string
description: Trading Name
LegalName:
type: string
description: Legal Name
IdentifierType:
allOf:
- $ref: '#/components/schemas/AEOnBehalfOfIdentifierType'
description: Identifier Type
Identifier:
type: string
description: Identifier
additionalProperties: false
AEOnBehalfOfIdentifierType:
type: string
enum:
- Other
Webhook:
type: object
description: |
A Webhook Subscription Schema
required:
- Url
- IsActive
properties:
Url:
description: |
The TPP Callback URL being registered with the LFI
type: string
example: https://api.tpp.com/webhook/callbackUrl
IsActive:
description: >
The TPP specifying whether the LFI should send (IsActive true)
or not send (IsActive false) Webhook Notifications to the TPP's
Webhook URL
type: boolean
example: false
additionalProperties: false
AERevokedBy:
description: |
Denotes the Identifier of the revocation.
| Identifier| Description|
|-----------|------------|
| LFI | Revoked by LFI without User initiation|
| TPP | Revoked by TPP without User initiation|
| LFI.InitiatedByUser | Initiated by User via the LFI|
| TPP.InitiatedByUser | Initiated by User via the TPP|
type: string
enum:
- LFI
- TPP
- LFI.InitiatedByUser
- TPP.InitiatedByUser
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
AEEventNotification:
type: "object"
description: |
A Webhook Subscription Schema
required:
- "Webhook"
properties:
Webhook:
description: |
A Webhook Schema
type: "object"
properties:
Url:
description: |
The TPP Callback URL being registered with the LFI
type: "string"
example: "https://api.tpp.com/webhook/callbackUrl"
IsActive:
description: |
The TPP specifying whether the LFI should send (IsActive true) or not send (IsActive false) Webhook Notifications to the TPP's Webhook URL
type: "boolean"
example: false
additionalProperties: false
additionalProperties: false
AEAcceptedAuthorizationType:
description: |
Specifies to the LFI the type of consent authorization accepted by the TPP when staging the consent
* Single - The consent should incur a single authorization Step with the LFI
* Multi - The consent should incur a multi-authorization Step with the LFI
type: "string"
enum:
- "Single"
- "Multi"
AEAuthorizationExpirationDateTime:
description: |
A time window by which a Consent (in AwaitingAuthorization status) must be Authorized by the User.
The time window starts from the actual CreationDateTime (when the Consent is staged with the LFI).
If the current time window exceeds the Authorization Expiration Time Window (and the Consent status is AwaitingAuthorization) then the Consent Status must be set to Rejected.
The time window is based on a custom time format hhh:mm:ss. e.g. 720:00:00 represents a time window of 720 hours, 00 minutes, 00 seconds (30 days) after the CreationDateTime to Authorize the Consent.
type: "string"
pattern: "^(00[0-9]|0[1-9][0-9]|[1-6][0-9]{2}|7[01][0-9]|720):[0-5][0-9]:[0-5][0-9]$"
example: "720:00:00"
AEConsentPermissions:
type: "array"
description: |
Specifies the permitted Account Access data types.
This is a list of the data groups being consented by the User, and requested for authorization with the LFI.
This allows a TPP to request a balance check permission.
items:
type: "string"
enum:
- "ReadAccountsBasic" # Ability to read basic account information
- "ReadAccountsDetail" # Ability to read account identification details
- "ReadBalances" # Ability to read all balance information
- "ReadRefundAccount"
minItems: 1
psuIdentifiers:
type: object
description: |
The PSU that is associated with this consent.
The `PSUIdentifiers` object may have arbitrary custom fields that an financial institution may use to
identify the PSU.
However, all `PSUIdentifiers` must have a mandatory `userId` field that provides a unique
user id for the PSU.
The consent is initially created without a PSU identified.
The value must be specified once the consent is authorised.
properties:
userId:
type: string
required:
- userId
ValidateResponseStatusEnum:
type: string
enum:
- valid
- invalid
consentValidateResponse:
type: object
properties:
data:
type: object
properties:
status:
$ref: "#/components/schemas/ValidateResponseStatusEnum"
code:
type: string
description:
type: string
meta:
$ref: "#/components/schemas/Meta"
Meta:
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:
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.
providerId:
name: o3-provider-id
in: header
schema:
type: string
required: true
description: Identifier for the financial institution that the request is targetted to
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: truefalse
description: A Base64 encoded representation of the psuIdentifier JSON object.
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
|
...