Obtaining Account Information (AISP)

AISP process visualization

AISP process Flow


Token is obtained through SCA (chapter CSA (90 AT)).


PostAccountInfo (Account Information)

Method of service: HTTP POST

Receiving data account identified by IBAN

Header structure:

Request Header definition

Attributes structure
Optionality
Type
Description
Content-Type
Mandatory
String
Application/json or application/xml
Authorization
Mandatory
String
Authorization is defined in RFC 6750 - The OAuth 2.0 Authorization Framework: Bearer Token Usage
Request-ID
Mandatory
String
A unique identifier of a particular request message. Although it may be arbitrary string, it is strongly recommended to use a Universally Unique Identifier (UUID) version 4 form (RFC4122).
Correlation-ID
Optional
String
A unique correlation identifier correlates the request and the response messages as a pair especially useful for audit logs. Although it may be arbitrary string, it is strongly recommended to use a Universally Unique Identifier (UUID) version 4 form (RFC4122).
Process-ID
Optional
String
Identifier of a business or technical process to what the set of requests and response pairs are organized (e.g. paging of transaction history should have same ProcessID). Although it may be arbitrary string, it is strongly recommended to use a Universally Unique Identifier (UUID) version 4 form (RFC4122).
PSU–IP-Address
Mandatory
String
Identifier of a customer’s IP address from which he/she is connected to the TPP infrastructure. It might be in the format of IPv4 o IPv6 address. ASPSP shall indicate which values are acceptable.
PSU-Device-OS
Mandatory
String
A customer’s device and/or operating system identification from which he/she is connected to the TPP infrastructure.
PSU-User-Agent
Mandatory
String
A customer’s web browser of other client device identification from which he/she is connected to the TPP infrastructure. Agent header field of the http request between PSU and TPP.)
PSU-GeoLocation
Optional
String
The GPS coordinates of the current customer’s location in the moment of connection to the TPP infrastructure. (Required GPS format: Latitude, Longitude)
Content-Type
Optional
DateTime
Last date and time when user was logged to TPP app (RFC3339 format)


Response Header definition

Attributes structure
Optionality
Type
Description
Content-Type
Mandatory
String
Application/json or application/xml
Response-ID
Mandatory
String
A unique identifier of a particular request message. Although it may be arbitrary string, it is strongly recommended to use a Universally Unique Identifier (UUID) version 4 form (RFC4122).
Correlation-ID
Optional
String
A unique correlation identifier correlates the request and the response messages as a pair especially useful for audit logs. Although it may be arbitrary string, it is strongly recommended to use a Universally Unique Identifier (UUID) version 4 form (RFC4122).
Process-ID
Optional
String
Identifier of a business or technical process to what the set of requests and response pairs are organized (e.g. paging of transaction history should have same ProcessID). Although it may be arbitrary string, it is strongly recommended to use a Universally Unique Identifier (UUID) version 4 form (RFC4122).


Request Struct client’s IBAN (must correlate with IPPID)ure

Attributes structure
Optionality
Type
Description
iban
Mandatory
String [34]
International Bank Account Number (IBAN)


Response:

Attributes structure
Optionality
Type
Description
Level 1
Level 2
Level 3
account
name
Mandatory
String [70]
Account name - usually client name
account
productName
Optional
String [70]
Product name - commercial product designation
account
type
Optional
Enum
Account type is enumeration: ISO 20022 - Cash Account Type Code e.g. (CACC - Current account)
account
baseCurrency
Mandatory
String [3]
Account currency (currency code according to ISO 4217 - 3 capital letters)
balances
typeCodeOrProprietary
Mandatory
Enum
Balance type is enumeration: ISO 20022 - Balance Type Code. Following balances mandatory are published: - ITBD (Interim booked balance) - ITAV (Interim available balance)
balances
amount
value
Mandatory
Number Float [12.2]
Balance amount. Numeric value of the amount as a fractional number. The fractional part has a maximum of two digits
balances
amount
currency
Mandatory
String [3]
Balance currency (currency code according to ISO 4217 - 3 capital letters)
balances
creditDebitIndicator
Mandatory
Enum
Credit/Debit indicator is enumeration: - CRDT (Credit) - DBIT (Debit)
balances
dateTime
Mandatory
DateTime
Timestamp of balances (official local date and time of Slovak republic in RFC 3339 format)


Example of response:

{"account":{"name":"ZOUFYZ FYZJMENO","productName":"Bežný devízový účet v GBP","type":"CACC","baseCurrency":"GBP"},"balances":[{"typeCodeOrProprietary":"ITBD","amount":{"value":"314521.23","currency":"GBP"},"creditDebitIndicator":"CRDT","dateTime":"2018-05-31T20:22:51"},{"typeCodeOrProprietary":"ITAV","amount":{"value":"314521.23","currency":"GBP"},"creditDebitIndicator":"CRDT","dateTime":"2018-06-11T09:59:36"}]}


PostTransactions (Transaction List)

Method of service: HTTP POST

Transaction List of specific account by IBAN.

Authorization a Request-ID are included in Header:

  • Authorization: using access_token from previous step
  • Request-ID : unique value

Request structure

Level 1
Optionality
Type
Description
iban
Mandatory
String [34]
International Bank Account Number (IBAN)
dateFrom
Optional
Date
The starting date of a date period for transaction history. Default value is actual day.
dateTo
Optional
Date
The end date of a date period for transaction history. ASPSPs provide transaction's history for at least 13 months. Default value is actual day.
pageSize
Optional
Integer
The number of records included in one page for displaying. Default value is 50 records. ASPSP has to supports at least 100 records on page.
page
Optional
Integer
The sequence number of a page in regard to page size for a record set. Because it starts at number 0, it should be considered as an offset from the beginning from a page set. Default value is 0.
status
Optional
Enum [34]
Transaction status indicator is enumeration: - BOOK (booked transactions) - INFO (settled transactions) - ALL (all transactions) Default value is ALL


Send

Response send transactions of specific account in following shape:

Attributes structure
Optionality
Type
Description
Level 0
Level 1
Level 2
Level 3
Level 4
pageCount
Optional
Number
Number of pages in the selected range
Transaction
amount
value
Mandatory
Number Float [12.2]
Transaction amount value in account currency. Numeric value of the amount as a fractional number.
amount
currency
Mandatory
String [3]
Transaction amount currency. Formated in Alphabetic codes from ISO 4712.
credit Debit Indicator
Mandatory
Enum
Credit/Debit indicator is enumeration: - CRDT (Credit) - DBIT (Debit)
reversal Indicator
Optional
Boolean
The flag determining that it is the reversal transaction for some previous one.
status
Mandatory
Enum
The status of a transaction related to the query parameter 'transactionStatus'. Transaction status indicator is enumeration: - BOOK (booked transactions) - INFO (settled transactions
booking Date
Mandatory for booked tnx.
Date
Transaction booking date. The date of the execution of the transaction.
value Date
Mandatory
Date
Transaction value date. The requested date by a bank customer to execute the transaction
bank Trans action Code
Optional
String [11]
The category code of the transaction type from the SBA's code list
transaction Details
references
account Servicer Reference
Optional
String [35]
The unique identifier of the transaction generated by an ASPSP that it should be considered as an ASPSP reference
transaction Detailst
references
instruction Identification
Optional
String [35]
Technical identification of the payment generated by a client.
transaction Details
references
end To End Identification
Mandatory in case this attribute is provided by client
String [35]
Unique identification defined by a requestor.
transaction Details
references
transaction Identification
Optional
String [35]
The payment reference for related fees
transaction Details
references
mandate Identification
Mandatory for Direct debit tnx.
String [35]
The mandate reference as its reference number.
transaction Details
references
cheque Number
Optional
String [35]
For card transactions, this is the card number in format **** **** **** 1111
transaction Details
counter ValueAmount
amount
value
Optional
Number Float [12.2]
Transaction amount value in account currency.
transaction Details
counter ValueAmount
amount
currency
Optional
String [3]
Transaction amount currency. Formated in Alphabetic codes from ISO 4712.
transaction Details
counter ValueAmount
currency Exchange
exchange Rate
Optional
Number Float [12.2]
The used exchange rate for conversion from the instructed currency to the target account currency.
transaction Details
related Parties
debtor
name
Optional
String [140]
Name of the debtor
transaction Details
related Parties
debtor Account
identification
Optional
String [34]
Unique identification of the debtor account, usually IBAN.
transaction Details
related Parties
creditor
name
Optional
String [140]
Name of the creditor
transaction Details
related Parties
creditor
identification
Optional
String [35]
The creditor identifier (CID) in the direct debit transaction.
transaction Details
related Parties
credi tor Acccount
identification
Optional
String [34]
Unique identification of the creditor account, usually IBAN.
transaction Details
related Parties
trading Party
name
Optional
String [140]
Name of a third party. For card transaction, this is the name of merchant.
transaction Details
related Parties
trading Party
identification
Optional
String [35]
Unique identification of a third party. For card transaction, this is ID of merchant.
transaction Details
related Parties
trading Party
merchant Code
Optional
String [4]
A Merchant Category Code (MCC) coordinated by MasterCard and Visa.
transaction Details
related Agents
debtor Agent
financial Institution Identification
Optional
String [11]
Corresponding identification of a debtor bank managing the account, usually Bank Identification Code (BIC).
transaction Details
related Agents
creditor Agent
financial Institution Identification
String [11]
Corresponding identification of a creditor bank managing the account, usually Bank Identification Code (BIC).
transaction Details
remittance Information
Mandatory in case this attribute is provided by client
String [140]
The text aimed as the information for a receiver of the transaction.
transaction Details
Detailsrelated Dates
acceptance Date Time
Optional
Date
Transaction entry date. The date of receiving the transaction in a bank.
transaction Details
additional Transaction Information
Optional
String [140]
Bank transaction description.


{"pageCount":"1","transactions":[{"amount":{"value":"1.07","currency":"GBP"},"creditDebitIndicator":"DBIT","status":"BOOK","bookingDate":"2017-08-01","valueDate":"2017-08-01","transactionDetails":{"relatedParties":{"debtorAccount":{"identification":"SK6807200002891987426353"},"creditor":{"name":"Ostatné(informačné)SMS"}},"relatedAgents":{"debtorAgent":{"financialInstitutionIdentification":"7500 "}},"additionalTransactionInformation":"Zaúčtovanie poplatku "}}]}


List of Accounts

Method of service: HTTP GET

This operation provides list of all accounts to which the client has given a mandate. Relevant are only accounts enabled within SCA with scopes.

Accounts with explicit consent for PIISP in PIISP scope are out of scope.

Request Payload is empty.

Response structure:

Attributes structure
Optionality
Type
Description
Level 1
Level 2
Level 3
creationDateTime
Mandatory
DateTime
The date and time in RFC3339 format at which a particular action has been requested or executed.
accounts
identification
iban
Mandatory
String
International Bank Account Number (IBAN)
accounts
name
Mandatory
String [70]
Account name - usually client name
accounts
productName
Optional
String [3]
Product name - commercial product designation
accounts
type
Optional
Enum
Account type is enumeration: ISO 20022 - Cash Account Type Code e.g. (CACC - Current account)


List of Accounts service is created according to the SBAS methodology.