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titlePost Brexit Certificate Implementation
OB Standards

This Section applies to ASPSPs that have implemented OB Standards

POST-BREXIT Certificate Implementation Status (updated by OBIE IES team)
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PRE-BREXIT - Certificates Accepted (until 31st Dec 2020)
  •  eIDAS QWAC
  •  eIDAS QSealC
  •  OB legacy (obtransport, obsigning)
  •  OBWAC
  •  OBSeal
  •  Other (Please define) 
POST-BREXIT TRANSITION - Certificates Accepted (1st Jan 2021 - 30th Jun 2021)
  •  eIDAS QWAC
  •  eIDAS QSealC
  •  OB legacy (obtransport, obsigning)
  •  OBWAC
  •  OBSeal
  •  Other (Please define) 
POST-BREXIT POST TRANSITION - Certificates Accepted (from 1st Jul 2021)
  •  eIDAS QWAC
  •  eIDAS QSealC
  •  OB legacy (obtransport, obsigning)
  •  OBWAC
  •  OBSeal
  •  Other (Please define) 
Planned Implementation Date to Satisfy FCA's Post TransitionTPP PSU Migration Outcomes Supported


-Have you Implemented OB Standards?
  •  Yes
  •  No
Other (PSD2/SCA-RTS compliant API)
Open Data - Which version have you Implemented?
  •  None
  •  V2.2
  •  V2.3
  •  V2.4

Read/Write API Specification Implemented or planning to implement

(Lowest version = Current, Highest version = Planned)

  •  V3.0
  •  V3.1
  •  V3.1.1
  •  V3.1.2
  •  V3.1.3
  •  V3.1.4
  •  V3.1.5
  •  V3.1.6
  •  V3.1.7
  •  V3.1.8
  •  V3.1.9
  •  V3.1.10
  •  V3.1.11
  •  V4.0

Read/Write API - Which date are you planning to implement your latest version?

Have you implemented v4.0 information flows, if not date planned to Implement?

  •  Already Implemented
  •  Planning to implement
  •  Not planning to implement 

Dynamic Client Registration - Which version have you Implemented or planning to implement?

(Lowest version = Current, Highest version = Planned)

  •  None
  •  V3.1
  •  V3.2
  •  V3.3

DCR - Which date are you planning to implement your latest version?

Have you implemented Trusted beneficiaries, if not date planned to Implement?

  •  Already Implemented
  •  Planning to implement
  •  Not planning to implement 

Have you implemented Reverse Payments, if not date planned to Implement?

  •  Already Implemented
  •  Planning to implement
  •  Not planning to implement 

Have you implemented ECA Standard?

  •  Already Implemented
  •  Planning to implement
  •  Not planning to implement 

ECA Implementation details


Contact: [enter contact details for the relevant person(s) at your organisation]

[You can use this space to provide your status with respect to the Standard]

Have you implemented Bulk/File Payments?

  •  Already Implemented
  •  Planning to implement
  •  Not planning to implement 

Have you implemented VRP – Sweeping, if not date planned to Implement?

  •  Already Implemented
  •  Planning to implement
  •  Not planning to implement 

Have you implemented VRP non-Sweeping, if not date planned to Implement?

  •  Already Implemented
  •  Planning to implement
  •  Not planning to implement 

Contact: [enter contact details for the relevant person(s) at your organisation]

[You can use this space to provide implementation details relevant to VRP]
PISP - Single Payment Limit£
PISP - Daily Payment Limit£
How many months of transaction do you provide?

Have you implemented TRIs (Transactional Risk Indicators), if not, date planned to Implement?

What is your approach to Implementing TRIs?
  •  Accept payload with TRI fields – Process all fields
  •  Accept payload with TRI fields – Ignore all fields
  •  Reject payload with TRI fields – Error back to TPP
  •  Accept payload with TRI fields – Process few fields (Provide list of accepted fields)  




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titleSCA-RTS 90-day reauth Implementation


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Directory?

Open Banking

Location of Well Known Endpoints?

Dev Portal:

https://developer.token.io/

https://www.unity.co.uk/psd2/

API Standard Implemented?

Other

(PSD2/SCA-RTS compliant API)

Name of Account Holder Implementation Date?

Completed -  Date of Current eIDAS Implementation?eIDAS QWACCurrent Certificates used for Identification?Current Certificates used for Transport?Current Certificates used for Signing?Date of Future eIDAS Implementation?No future update currently planned.Future Certificates used for Identification?Future Certificates used for Transport?Future Certificates used for Signing?

Major Milestones

Test platform available via Token.io from  

Production platform available via Token.io from  

For more information, please visit www.unity.co.uk/PSD2

Brand(s)Unity Trust Bank

Security Profile?

Security Profile Certification?

CIBA

N/AUsing Open Banking as your eIDAS Trust Framework?YesAre you caching the Directory?NoTransaction IDs
  1. ASPSPs provide a Unique, Immutable TransactionID from their core system
  2. ASPSPs generate a Unique TransactionID from a set of Immutable fields
  3. ASPSPs specify field(s) for TPP to generate a Unique Transaction Identifier
  4. ASPSPs provide neither a TransactionID nor the method by which TPPs can generate one
RTS


Which date are you planning on implementing the SCA reauthentication exemption?



What is your approach to token management to enable application of the reauthentication exemption? (see link to FCA guidance)


Example approach:
Issue a long-lived refresh token during one final SCA, with refresh token rotation implemented.

[Please use this space to provide more details on your approach]

Article 10A - Endpoints exempt of SCA-RTS
  •  

    Accounts

  •  

    Transactions (90days)

  •  

    Balances

  •  

    Standing orders

  •  

    Direct debits

  •  

    Beneficiaries

  •  

    Products

  •  

    Offers

  •  

    Parties

  •  

    Scheduled Payments

  •  

    Statements


Article 10A - Endpoints not exempt of SCA-RTS
  •  

    Transactions (more than 90days)

  •  

    Standing orders

  •  

    Direct debits

  •  

    Beneficiaries

  •  

    Products

  •  

    Offers

  •  

    Parties

  •  

    Scheduled Payments

  •  

    Statements


Article 10A - Maximum time period after authentication
Please specify the time period in minutes
SCA-RTS implementation status (updated by OBL PS team only)


Planned / In-progress / Implemented / TBC




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-Which Security profile have you Implemented or planning to implement?

(Lowest version = Current, Highest version = Planned)

  •  OB Security Profile (Legacy)
  •  FAPI (ID2)
  •  FAPI 1 Advanced
  •  Other (Please define) 

Security Profile - Next Planned Version Implementation Date 
CIBA Profile - Implemented or planning to implement

(Lowest version = Current, Highest version = Planned)

  •  None
  •  CIBA
  •  CIBA FAPI Profile

CIBA Profile - Next Planned Version Implementation Date
 

Security Profile Certification date?
  

Token Endpoint Authentication Methods Supported
  •  
    client_secret_post
  •  
    client_secret_basic
  •  
    client_secret_jwt
  •  
    tls_client_auth
  •  Private_key_jwt

Planned date to Cease support for client id and client secret token endpoint authentication 
POST-BREXIT POST TRANSITION - Certificates Accepted (from 1st Jul 2021)
  •  eIDAS QWAC
  •  eIDAS QSealC
  •  OB legacy (obtransport, obsigning)
  •  OBWAC
  •  OBSeal
  •  Other (Please define) 




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titleCustomer Journey


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-What is your approach to Implementing OBL Customer Experience Guidelines (CEG)?

Yes

Current CEG Version?Next CEG Version?Next Version Implementation Date

Implementing Bespoke User Journeys?

Yes

Implementing App to App?

YesApp to App Implementation Date? Options on 90 day re-authentication?Not supported. Max consent = 90 days

Support Embedded Flow?

No

(tick all that apply)

  •  Already Implemented
  •  Planning to implement or upgrade
  •  Not planning to implement CEG

Which version have you implemented or planning to implement?

(Lowest version = Current, Highest version = Planned)

  •  V3.1.2
  •  V3.1.3
  •  V3.1.4
  •  V3.1.5
  •  V3.1.6
  •  V3.1.7
  •  V3.1.8
  •  V3.1.9
  •  V3.1.10
  •  V3.1.11
  •  V4.0

Which date are you planning to implement your latest CEG version?

Redirection Model
  •  App to App redirection
  •  Decoupled authentication
  •  Embedded Flow
  •  Bespoke User Journeys




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FCA Adjustment Period - Maintaining Screen Scraping
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Dispute Management System?

Yes
-Which Directory are you using as your Trust Framework?Open Banking
Are you caching the Directory?No
Transaction IDs Supported

Are you Seeking Fallback Exemption?

Granted exemption  

Adjusted or Fallback Interface?

NoAdjusted or Fallback URL?N/AContact Email or Phone Number?Us@unity.co.ukDev Portal URL?https://developer.token.io/

Test Facility Implementation Date?

  •  Yes
  •  No


Article 10 - Maximum time period after authentication

Article 10 - Endpoints exempt of SCA



Major Milestones

Test platform available via Token.io from  

Production

Interface Implementation Date?Article 10 - Endpoints exempt of SCAPlease specify which AIS endpoints will be exempt from SCA under Article 10. (delete as appropriate): Accounts, Balances, Transactions, Beneficiaries, Direct Debits, Standing Orders, Products, Offers, Parties, Scheduled Payments, Statements

Authentication Method - Open Banking Channel (Browser)?

Decoupled

Authentication Method - Open Banking Channel (APP)?

Decoupled

Authentication Method - Private Channel (Browser)?

N/A

Authentication Method - Open Banking Channel (APP)?

N/A

Authentication Method Implementation Date (Open Banking Channel)?

 

Authentication Method Implementation Date (Private Channel)?

N/A

SCA Implementation Date?

 

SCA Scope? (will it inhibit non PSD2 accounts)

SCA will be applied for all online accounts. 

APIs will be exposed for PSD2 accounts only

platform available via Token.io from  

Contingency MeasuresPlease specify the location of the guidance that explains your strategy and plans for when your dedicated interface is unavailable.  This should be a URL to your dev portal or artefact that provides TPPs with the information they requireArticle 10 - Maximum time period after authentication?

Please specify how long the AISP has from the time when they receive the access token (after PSU authentication).  This is the period the AISP must submit their first request before SCA will be re-applied to endpoints NOT exempt of SCA under Article 10.  ASPSPs should consider that this timeline is consistent with the time limit applied by the ASPSP in the existing online PSU interface (i.e. before the PSU is logged out)

For more information, please visit www.unity.co.uk/PSD2


Brand(s)Unity Trust Bank




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titleASPSP Dev Portal and Contact Details


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Location of Well Known Endpoints

Dev Portal:

https://developer.token.io/

https://www.unity.co.uk/psd2/

Modified Customer Interface URL (if applicable)



Dev Portal URLhttps://developer.token.io/
Test Facility URL

Brand Landing Pages URL
[You can use this space to explain your guidance on using Brand logos]

ASPSP Support Desk Email or Phone Number

(including queries about consent success rates) 

Us@unity.co.uk




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TBC

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High Cost Credit

TBC

View file
nameHCC.xlsx
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idTC-W7

After Waiver 7 Expiry (16/06/20) option supported: Option 1 - The parameter b64 being set to FALSE OR Option 2 - The b64 claim not being in the header