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titleOB Standards

This Section applies to ASPSPs that have implemented OB Standards

Implement n/a
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idTC-OB Standards-Production
Implement Open Data v2.2tbc


-Have you Implemented OB Standards?
  •  Yes
  •  No

Open Data - Which version have you Implemented?
  •  None
  •  V2.2
  •  V2.3
  •  V2.4

Read/Write API Specification

v3.1
 Deployed 3.1.1 in August 2019Implement Customer Experience Guidelines v1.109 Aug 2019 
Implement App-to-App Redirection

iOS - December 2019

Android - january 2020

App to App Redirection will be supported for iOS users from 8th December 2019.

Support for Android users is planned to follow in January 2020.
Implement OB Security Profile Implementer's Draft v1.1.209 Aug 2019 
Implement FAPI Profile Implementers Draft 2tbctbc
Implement CIBA Profile Implementers Draft 1n/an/a
Implement Dynamic Client Registration v1.1n/an/a
Implement Dynamic Client Registration v3.109 Aug 2019 v3.2 implemented April 2020
Decommission Read/Write API Specification v1.x/2.xn/an/a
Decommission OB Security Profile Implementer's Draft v1.xn/a

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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titleMethod of IdentificationSCA-RTS 90-day reauth Implementation


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Commence support for eIDAS QWAC certificatesLiveCommence support for eIDAS QSEAL certificates
 Live

Commence support for OBIE QWAC-like certificates

LiveCommence support for OBIE QSEAL-like certificatesLiveCease support for OBIE non eIDAS-like certificates for transportNot currently plannedCease support for OBIE non eIDAS-like certificates for signingNot currently plannedSupport for MTLS token endpoint authenticationLiveSupport for private_key_jwt token endpoint authenticationn/aCease support for client id and client secret token endpoint authenticationn/a
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titlePost Brexit Certificate Implementation
  •  eIDAS QWAC
  •  eIDAS QSealC
  •  OB legacy (obtransport, obsigning)
  •  OBWAC
  •  OBSeal
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idStandards-Production
PRE-BREXIT - Certificates Accepted (until 31st Dec 2020)
SCA-RTS


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

27 September 202227 September 2022

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

We will implement the exemption by issuing refresh tokens with no expiry date.

We will implement the exemption by issuing refresh tokens with no expiry date.

Existing consents

  • The first time that the 90 day refresh token is exchanged for an access token following our change, the new refresh token issued will have an unlimited expiry. Subsequent refresh tokens issued for the consent will continue to have unlimited expiry. The TPP can then go on to access exempt data for the consent on an ongoing basis, subject to consent expiry or revocation.
  • As long as the ‘old’ refresh token is exchanged before its original 90 day expiry, the customer will not need to re-authenticate with us. If it has been more than 90 days since the customer authenticated for the consent, we will not allow the refresh token to be exchanged for a new non-expiring one.
  • We will continue to ask for SCA when accessing non-exempt data under the consent, if it has not been done within 5 minutes.


New consents

  • Consents set up and authorised after our change goes live will use non-expiring refresh tokens for their lifetime. We will still require customers to complete SCA with us at authorisation, but customers will no longer need to come back to us every 90 days to re-authenticate.
  • We will ask for SCA when accessing non-exempt data under the consent, if it has not been done within 5 minutes.

We will continue to request SCA for non-exempt data requests.

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)

Status
colourGreen
titleImplemented





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titleSecurity Profile


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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) 
POST-BREXIT TRANSITION - Certificates Accepted (1st Jan 2021 - 30th Jun 2021)
  •  eIDAS QWAC
  •  eIDAS QSealC
  •  OB legacy (obtransport, obsigning)
  •  OBWAC
  •  OBSeal
  •  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 authenticationn/a
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 Transition

tbc

TPP PSU Migration Outcomes Supported

tbc

Work is underway internally on what TPP support will be available. We will update this page when more information is available.
POST-BREXIT Certificate Implementation Status (updated by OBIE IES team)
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Directory?

Open Banking

Location of Well Known Endpoints?

OB Technical Directory and OB Implementation Guide

API Standard Implemented?

Open Banking

Name of Account Holder Implementation Date?

Completed -  Name of account holder is returned via the party endpointDate of Current eIDAS Implementation?MTLSCurrent Certificates used for Identification?Current Certificates used for Transport?OB Transport (non-eIDAS-like)Current Certificates used for Signing?OB Signing (non-eIDAS-like)Date of Future eIDAS Implementation?No future update currently planned.Future Certificates used for Identification?No future update currently planned.Future Certificates used for Transport?

No future update currently planned.

Future Certificates used for Signing?No future update currently planned.

Major Milestones

SCA is already in place at log in for the existing Online and Mobile channels and was in place pre-PSD2.

Production date for SCA in the Open Banking channel to be provided.

Brand(s)Security Profile?Open Banking Security Profile - Implementer's Draft v1.1.2Security Profile Certification?

Submitted for certification and awaiting response.

CIBA

NoUsing Open Banking as your eIDAS Trust Framework?YesAre you caching the Directory?NoTransaction IDsNoNo transaction IDs provided in transaction response, consistent with online/mobile channels.
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titleCustomer Journey
No
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Implementing Customer Experience Guidelines?

YesCurrent CEG Version?1.2Next CEG Version?tbcNext Version Implementation Datetbc

Implementing Bespoke User Journeys?

NoClosely aligned to CEG v1.2

Implementing App to App?

YesApp to App Implementation Date?tbc

Options on 90 day re-authentication?

Yes

Re authentication will be required after 90 days.

Will also be required in scenarios that imply risk and therefore SCA is deemed appropriate by Tesco Bank.

Support Embedded Flow?

CJ


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

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




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N/A as exemption obtained.
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Dispute Management System?

Yes

FCA Adjustment Period - Maintaining Screen Scraping?YesSeeking Fallback Exemption?Exemption Granted -  

Adjusted or Fallback Interface?

NoAdjusted or Fallback URL?N/AContact Email or Phone Number?apisupport@tescobank.comDev Portal URL?https://developer.tescobank.com/

Test Facility Implementation Date?

 Production Interface Implementation Date? Contingency Measures
-Which Directory are you using as your Trust Framework?Open Banking
Are you caching the Directory?No
Transaction IDs SupportedNoNo transaction IDs provided in transaction response, consistent with online/mobile channels.

Are you Seeking Fallback Exemption?

  •  Yes
  •  No


Article 10 - Maximum time period after authentication
?
5 minutes for those endpoints NOT covered by an exemption (i.e. direct debits, beneficiaries etc.) and 90 days if exempt.
Article 10 - Endpoints exempt of SCA

Accounts, Balances, Transactions (< 90 days)

Resources covered (delete as appropriate): Accounts, Balances, Transactions
, Beneficiaries, Direct Debits, Standing Orders, Products, Offers, Parties, Scheduled Payments, Statements

Authentication Method - Open Banking Channel (Browser)?

Knowledge – Password & Security Number. Possession – Device or OTP. Inherence – n/a

Authentication Method - Open Banking Channel (APP)?

Knowledge – Password & Security Number. Possession – Device or OTP. Inherence – Fingerprint / Face Recognition

Authentication Method - Private Channel (Browser)?

Knowledge – Password & Security Number. Possession – Device or OTP. Inherence – n/a

Authentication Method - Private Channel (APP)?

Knowledge – Password & Security Number. Possession – Device or OTP. Inherence – Fingerprint / Face Recognition

Authentication Method Implementation Date (Open Banking Channel)?

09 Aug 2019 

Authentication Method Implementation Date (Private Channel)?

SCA is already in place at log in for the existing Online and Mobile channels and was in place pre-PSD2.

SCA Implementation Date?

Major MilestonesSCA is already in place at log in for the existing Online and Mobile channels and was in place pre-PSD2.Production date for SCA in the Open Banking channel to be provided.

SCA Scope? (will it inhibit non PSD2 accounts)

Yes

Will impact ISAs, Fixed Rate Savers, Loans

Will not impact Mortgage and Insurance
Brand(s)




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titleASPSP Dev Portal and Contact Details


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Location of Well Known Endpoints

OB Technical Directory and OB Implementation Guide

Modified Customer Interface URL (if applicable)



Dev Portal URLhttps://developer.tescobank.com/
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) 

apisupport@tescobank.com




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 Functional Certificate (PIS): Tesco Personal Finance 2019

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High Cost Credit

Tesco - HCC - Nov 19.xlsx

View file
nameTesco - HCC - Nov 19.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

-We will support Option 1