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titleOB Standards

This Section applies to ASPSPs that have implemented OB Standards

N/A
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idTC-OB Standards-Production
Implement Open Data v2.2N/A
Implement Read/Write API Specification v3.1 Conformance certificates being explored.
Implement Customer Experience Guidelines v1.1 Conformance certificates being explored.
Implement App-to-App RedirectionN/ABrowser based redirection only.
Implement OB Security Profile Implementer's Draft v1.1.2 Implement FAPI Profile Implementers Draft 2 Implement CIBA Profile Implementers Draft 1N/AImplement Dynamic Client Registration v1.1N/A
Implement Dynamic Client Registration v3.1 Conformance certificates being explored.
Decommission Read/Write API Specification v1.x/2.xN/ADecommission OB Security Profile Implementer's Draft v1.x


-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 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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idID-Production
Commence support for eIDAS QWAC certificatesCommence support for eIDAS QSEAL certificates

Commence support for OBIE QWAC-like certificates

Commence support for OBIE QSEAL-like certificates
Cease support for OBIE non eIDAS-like certificates for transportNo PlansWe will continue to accept the OB Certificate at the end of the adjustment period in March provided the TPP has identified itself to OBIE using an eIDAS certificate
Cease support for OBIE non eIDAS-like certificates for signingNo PlansWe will continue to accept the OB Certificate at the end of the adjustment period in March provided the TPP has identified itself to OBIE using an eIDAS certificate
Support for MTLS token endpoint authenticationN/AOnly supporting private_key_jwt
Support for private_key_jwt token endpoint authentication 
Cease support for client id and client secret token endpoint authenticationN/AOnly supporting private_key_jwt
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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?



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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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 authentication

N/A


POST-BREXIT POST TRANSITION - Certificates Accepted (from 1st Jul 2021)
  •  eIDAS QWAC
  •  eIDAS QSealC
  •  OB legacy (obtransport, obsigning)
  •  OBWAC
  •  OBSeal
  •  Other (Please define) 
The capability to accept eIDAS certificates is under review and may come into scope at a later date.
Planned Implementation Date to Satisfy FCA's Post Transition

TBC

Scoping and planning in progress
TPP PSU Migration Outcomes Supported

TBC

Scoping and planning in progress
POST-BREXIT Certificate Implementation Status (updated by OBIE IES team)

Status
colourYellow
titlePLANNED

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titleImplementationCustomer Journey


Yes
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idTC-IMP

Directory?

Open Banking

Location of Well Known Endpoints?

https://matls.rs.aspsp.api-hls.hl.co.uk/auth/oauth2/tpp/.well-known/openid-configuration

API Standard Implemented?

Open Banking v3.1No plans for future versions at this stage

Name of Account Holder Implementation Date?

TBCDate of Current eIDAS Implementation? Current Certificates used for Identification?

OB Transport + ClientID (Private Key JWT)

Current Certificates used for Transport?OB TransportCurrent Certificates used for Signing?OB SigningDate of Future eIDAS Implementation?Q2 2020Future Certificates used for Identification?QWAC + ClientID (Private Key JWT)Future Certificates used for Transport?

QWAC

Future Certificates used for Signing?QSEAL

Major Milestones

N/A

(Inc Other Products, API Updates, API Deprecations, etc)Brand(s)Security Profile?FAPISecurity Profile Certification?NoNew OpenID Foundation cert being explored.

CIBA

N/AUsing Open Banking as your eIDAS Trust Framework?
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?

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




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titlePSD2


No
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idTC-PSD2
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idTC-CJ


Implementing Customer Experience Guidelines?

YesCurrent CEG Version?Next CEG Version?Next Version Implementation Date

Implementing Bespoke User Journeys?

No

Implementing App to App?

NoApp to App Implementation Date?N/A

Options on 90 day re-authentication?

Re-authentication triggered as per the Customer experience guidelines

Support Embedded Flow?

-Which Directory are you using as your Trust Framework?Open Banking
Are you caching the Directory?No
Transaction IDs SupportedOption 1Unique identifier for the transaction used within HL assigned to every transaction
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titleCustomer Journey

Are you Seeking Fallback Exemption?

  •  Yes
  •  No


Article 10 - Maximum time period after authentication90 days
Article 10 - Endpoints exempt of SCA

Accounts, Balances, Transactions,  Products


Major Milestones

Brand(s)




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titlePSD2ASPSP Dev Portal and Contact Details


Dev Portal URL?SCA only offered for PSD2 Account and HLSL clients who are linked to SCA accounts.
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idTC-PSD2

Dispute Management System?

Being adopted
FCA Adjustment Period - Maintaining Screen Scraping?YesDuring FCA adjustment period

Seeking Fallback Exemption?

YesConfirmed

Adjusted or Fallback Interface?

NoAdjusted or Fallback URL?n/aContact Email or Phone Number?openbanking@hl.co.uk
C


Location of Well Known Endpoints

https://matls.rs.aspsp.api-hls.hl.co.uk/auth/oauth2/tpp/.well-known/openid-configuration

Modified Customer Interface URL (if applicable)



Dev Portal URLhttps://www.hl.co.uk/about-us/developer-tools
Test Facility
Implementation Date?
  Production Interface Implementation Date?  Contingency MeasuresFollowing the FCA Adjustment Period announcement, SCA has not yet been applied on the bank’s primary online channel / customer interface, and access remains available via screen-scraping. As access is still available through the customer interface, no contingency mechanism is required.Article 10 - Maximum time period after authentication?90 daysArticle 10 - Endpoints exempt of SCAAccounts, Balances, Transactions,  Products

Authentication Method - Open Banking Channel (Browser)?

When the PSU’s browser reaches the HL web page for authentication they undergo the same authentication process they would coming to HL page directly, namely two steps consisting of:

  • Identification of the client through validation of a client number and Date of Birth:
  • Authentication of the client through validation of a online password and secure number

When the RTS come in force in September this will be supplemented, in line with direct client log in, with the validation of a One Time Passcode (OTP) that would have been issued to a clients registered telephone number by SMS or Call Back.

Hybrid flow as described within the Security Implementer guide v1.1.2, with redirect via browser

Authentication Method - Open Banking Channel (APP)?

N/A

Authentication Method - Private Channel (Browser)?

When the PSU’s browser reaches the HL web page for authentication they undergo the same authentication process they would coming to HL page directly, namely two steps consisting of:

  • Identification of the client through validation of a client number and Date of Birth:
  • Authentication of the client through validation of a online password and secure number

When the RTS come in force in September this will be supplemented, in line with direct client log in, with the validation of a One Time Passcode (OTP) that would have been issued to a clients registered telephone number by SMS or Call Back.

Hybrid flow as described within the Security Implementer guide v1.1.2, with redirect via browser

Authentication Method - Private Channel (APP)?

TBC

Authentication Method Implementation Date (Open Banking Channel)?

Proposed

Authentication Method Implementation Date (Private Channel)?

Existing

SCA Implementation Date?

 Provisional date depending on developments during the FCA transition period. 

SCA Scope? (will it inhibit non PSD2 accounts)

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) 

openbanking@hl.co.uk




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titleKey Implementations


HL do not provide payment initiation services - hence waiver 7 does not apply.

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idTC-HCC


High Cost Credit

Hargreaves - HCC.xlsx

View file
nameHargreaves - HCC.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