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titleOB Standards

This Section applies to ASPSPs that have implemented OB Standards


TBUK uses Token.io’s N/A
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idTC-OB Standards-Production
Implement Open Data v2.2N/AImplement Read/Write API Specification v3.1N/A


Implement App-to-App RedirectionN/AImplement OB Security Profile Implementer's Draft v1.1.2N/AImplement FAPI Profile Implementers Draft 2N/AImplement CIBA Profile Implementers Draft 1N/AImplement Dynamic Client Registration v1.1N/AImplement Dynamic Client Registration v3.1N/ADecommission 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
TBUK uses Token.io’s standards which are aligned with Open Banking Standards
Read/Write API - Which date are you planning to implement your latest version?
Implement Customer Experience Guidelines v1.1TBC

Currently being investigated by our TSP



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


Page Properties
idIDSCA-Production
Commence support for eIDAS QWAC certificates Commence support for eIDAS QSEAL certificates
 

Commence support for OBIE QWAC-like certificates

N/A

Commence support for OBIE QSEAL-like certificatesN/ACease support for OBIE non eIDAS-like certificates for transportN/ACease support for OBIE non eIDAS-like certificates for signingN/ASupport for MTLS token endpoint authenticationN/ASupport for private_key_jwt token endpoint authenticationN/ACease support for client id and client secret token endpoint authenticationN/A
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titleImplementation
Page Properties
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Directory?

Open Banking

Open Banking Directory through Token.io

Location of Well Known Endpoints?

OB Technical Directory

API Standard Implemented?

Open Banking

Sandbox  Environment – App Creation by TPP and after TBUK Approval

Production Environment – App Creation by TPP and after TBUK Approval

Name of Account Holder Implementation Date?

N/ADate of Current eIDAS Implementation?MTLS with eIDAS CertificatesCurrent 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

June 2019 for test facility

October 2019 for production APIs

Brand(s)

Security Profile?

TBC

Security Profile Certification?TBC

CIBA

NoUsing Open Banking as your eIDAS Trust Framework?NoAre you caching the Directory?NoTransaction IDsTBC
  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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titleSecurity Profile


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idID-Production


-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)?

TBC

Implementing Bespoke User Journeys?

No

Implementing App to App?

YesApp to App Implementation Date?N/A
Options on 90 day re-authentication?

90 day Re-Authentication

In line with RTS (If customer logs in after 90 days then they will be prompted to re-authenticate for Consent.)

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




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titlePSD2


Dispute Management System
Page Properties
idTC-PSD2


-Which Directory are you using as your Trust Framework?Open Banking
Are you caching the Directory?No
FCA Adjustment Period - Maintaining Screen Scraping?Yes

Transaction IDs SupportedTBC

Are you Seeking Fallback Exemption?

Yes

Adjusted or Fallback Interface?

NoAdjusted or Fallback URL?N/AContact Email or Phone Number?

IThelpdesk@turkishbank.co.uk

Dev Portal URL?

https://turkishbankuk.docs.token.io/

Test Facility Implementation Date?

June 2019

Production Interface Implementation Date?October 2019
Contingency MeasuresTBCPlease 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 require
  •  Yes
  •  No


Article 10 - Maximum time period after authentication
?
90 Days
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)

Article 10 - Endpoints exempt of SCA

Exemption covers all AIS endpoints

Please 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)?

Credentials + OTP

Authentication Method - Open Banking Channel (APP)?

Credentials + OTP

Authentication Method - Private Channel (Browser)?

Credentials + OTP

Authentication Method - Open Banking Channel (APP)?

Credentials + OTP

Authentication Method Implementation Date (Open Banking Channel)?

September 2019

Authentication Method Implementation Date (Private Channel)?

September 2019

SCA Implementation Date?

September 2019SCA Scope? (will it inhibit non PSD2 accounts)

No


Major Milestones

June 2019 for test facility

October 2019 for production APIs


Brand(s)




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titleASPSP Dev Portal and Contact Details


Page Properties
idTC-C


Location of Well Known Endpoints

OB Technical Directory

Modified Customer Interface URL (if applicable)



Dev Portal URL

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) 






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titleKey Implementations


TBC

Page Properties
idTC-HCC


High Cost Credit

TBC

View file
nameHCC.xlsx
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Page Properties
idTC-W7

Waiver 7 Implementation Date