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titleOB Standards

This Section applies to ASPSPs that have implemented OB Standards


Implement
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titleTC-OB Standards-Production
Implement Open Data v2.2N/A


-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
 Implement Customer Experience Guidelines v1.1 Implement App-to-App Redirection Implement OB Security Profile Implementer's Draft v1.1.2N/AImplement FAPI Profile Implementers Draft 2 Implement CIBA Profile Implementers Draft 1N/AImplement Dynamic Client Registration v1.1N/AImplement Dynamic Client Registration v3.1V3.2 Implemented
Decommission Read/Write API Specification v1.x/2.x16th Jan 2020 V1.1 of our Account Information API endpoints will be deprecated on the 16th of January 2020.
Decommission OB Security Profile Implementer's Draft v1.xN/AAIB supports v1.1.0
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titleMethod of Identification
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idID-Production
Commence support for eIDAS QWAC certificates

05 Sept 2019

Commence support for eIDAS QSEAL certificates
  

Commence support for OBIE QWAC-like certificates

N/ACommence support for OBIE QSEAL-like certificates 
Cease support for OBIE non eIDAS-like certificates for transportN/A

AIB will continue to accept OBIE certs after the 6th of June in line with the FCA guidance. 

Cease support for OBIE non eIDAS-like certificates for signingN/A 

AIB will continue to accept OBIE certs after the 6th of June in line with the FCA guidance. 

Support for MTLS token endpoint authenticationN/ASupport for private_key_jwt token endpoint authentication

 

Cease support for client id and client secret token endpoint authentication 
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titlePost Brexit Certificate Implementation
TBC
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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) 

eIDAS certificates will be supported for EU based TPPs.

POST-BREXIT POST TRANSITION - Certificates Accepted (from 1st Jul 2021)
  •  eIDAS QWAC
  •  eIDAS QSealC
  •  OB legacy (obtransport, obsigning)
  •  OBWAC
  •  OBSeal
  •  Other (Please define) 
TBC
Planned Implementation Date to Satisfy FCA's Post TransitionTPP PSU Migration Outcomes SupportedPOST-BREXIT Certificate Implementation Status (updated by OBIE IES team)
Status
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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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Which date are you planning on implementing the SCA reauthentication exemption?


30/09/2022 

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


Issue a long-lived refresh token during one final SCA

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
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titleImplemented





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titleImplementationSecurity Profile


4. ASPSPs provide neither a TransactionID nor the method by which TPPs can generate on
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Directory?

Open Banking

Location of Well Known Endpoints?

OB Technical Directory and Dev Portal

API Standard Implemented?

Open Banking

Name of Account Holder Implementation Date?

TBCNo confirmed date in short or medium termDate of Current eIDAS Implementation? Current Certificates used for Identification?OB Transport + ClientID + Secret
OBWAC / OBSEAL/ QWAC		Current Certificates used for Transport?OB Transport / OBWAC / QWACCurrent Certificates used for Signing?OB Signing / OBSEAL / QSEALDate of Future eIDAS Implementation? Future Certificates used for Identification?N/A - No further updates planned Future Certificates used for Transport?

N/A - No further updates planned 

Future Certificates used for Signing?N/A - No further updates planned 

Major Milestones

N/A(Inc Other Products, API Updates, API Deprecations, etc)Brand(s)

Security Profile?

Open Banking V1.X

Security Profile Certification?No

CIBA

N/AUsing Open Banking as your eIDAS Trust Framework?Yes, JWKS for TPP’s and the EC trusted list  for eIDAS QTSP’sAre you caching the Directory?YesTransaction IDs

Date TBC - Option 4 Supported

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) 
TBC




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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?TBCNext CEG Version?TBCNext Version Implementation DateTBC

Implementing Bespoke User Journeys?

No

Implementing App to App?

YesApp to App Implementation Date? 

Options on 90 day re-authentication?

At log in after 90 days the customer will have to re-authenticate.

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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Dispute Management System?

YesFCA Adjustment Period - Maintaining Screen Scraping?Yes 


api@aib.ie

-Which Directory are you using as your Trust Framework?Open Banking
Are you caching the Directory?

Transaction IDs SupportedDate TBC - Option 4 Supported4. ASPSPs provide neither a TransactionID nor the method by which TPPs can generate on

Are you Seeking Fallback Exemption?

  •  Yes
  •  No

Allied Irish Bank (AIB) and First Trust Bank are exempt from the requirement to build a contingency mechanism for the “Retail API Channel”

Adjusted or Fallback Interface?

N/AAdjusted or Fallback URL?Contact Email or Phone Number?Dev Portal URL?

https://developer.firsttrustbank.co.uk/ 

https://developer.aibgb.co.uk/

Test Facility Implementation Date? Production Interface Implementation Date? 

Contingency MeasuresArticle 10 - Maximum time period after authentication?90 days
Article 10 - Endpoints exempt of SCA

Balances, Transactions

(last 90 days only)

Authentication Method - Open Banking Channel (Browser)?

Authentication Method - Open Banking Channel (APP)?

Authentication Method - Private Channel (Browser)?

Authentication Method - Private Channel (APP)?

Authentication Method Implementation Date (Open Banking Channel)?

AIB are currently aligned with the FCA adjustment period – SCA will be implemented in Q1 2020

Authentication Method Implementation Date (Private Channel)?

AIB are currently aligned with the FCA adjustment period – SCA will be implemented in Q1 2020

SCA Implementation Date?

Q1 2020SCA applied as planned through January to March. 

SCA Scope? (will it inhibit non PSD2 accounts)

SCA will be implemented across all channel interactions regardless of account type, however non PSD2 accounts will not be exposed via our Open Banking API’s.


Major Milestones

Brand(s)




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titleASPSP Dev Portal and Contact Details


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idTC-C


Location of Well Known Endpoints

OB Technical Directory and Dev Portal

Modified Customer Interface URL (if applicable)



Dev Portal URL

https://developer.firsttrustbank.co.uk/ 

https://developer.aibgb.co.uk/


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) 

api@aib.ie




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titleKey Implementations


Option 1 - The parameter b64 being set to FALSE

AIB Error Codes 

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High Cost Credit

AIB - HCC.xlsx

View file
nameAIB - HCC.xlsx
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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

View file
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