Funds Confirmation v3.1
Version Control
| Version | Date | Author | Comments |
|---|---|---|---|
| 3.0 | OB R/W API Team | This is the baseline version. No change from RC3. | |
| 3.1-draft1 | OB R/W API Team | This is the initial draft version for 3.1 Errata:
| |
| 3.1-draft2 | OB R/W API Team | No Change | |
| 3.1-draft3 | OB R/W API Team | Draft 3 Changes:
Errata
| |
| 3.1 | OB R/w API Team | Version 3.1 final release. No changes from Version 3.1 RC1. |
Endpoints
| Resource | HTTP Operation | Endpoint | Mandatory ? | Scope | Grant Type | Message Signing | Idempotency Key | Request Object | Response Object |
|---|---|---|---|---|---|---|---|---|---|
| funds-confirmation | POST | POST /funds-confirmations | Mandatory | fundsconfirmations | Authorization Code | No | No | OBFundsConfirmation1 | OBFundsConfirmationResponse1 |
POST /funds-confirmations
Funds Confirmation Endpoint
POST /funds-confirmations
If the CBPII would like to confirm funds with the ASPSP, it should create a new funds-confirmation resource, and check the funds available flag in the response.
- The ASPSP creates the funds-confirmation resource and responds with a unique FundsConfirmationId to refer to the resource, and a flag confirming if funds are available.
- The CBPII must use a token issued via an authorization code grant and specify the ConsentId in the request payload.
- This CBPII must use a currency of the account.
Data Model
This data dictionary section gives the detail on the payload content.
Funds Confirmation - Request
The OBFundsConfirmation1 object will be used for the following:
- Request to POST /funds-confirmations
UML Diagram
Notes:
- Funds can only be confirmed against the currency of the account, ASPSP must reject the request when Amount is in a different currency than the currency of the underlying account.
Data Dictionary
| Name | Occurrence | XPath | EnhancedDefinition | Class | Codes |
|---|---|---|---|---|---|
| OBFundsConfirmation1 | OBFundsConfirmation1 | OBFundsConfirmation1 | |||
| Data | 1..1 | OBFundsConfirmation1/Data | OBFundsConfirmationData1 | ||
| ConsentId | 1..1 | OBFundsConfirmation1/Data/ConsentId | Unique identification as assigned by the ASPSP to uniquely identify the funds confirmation consent resource. | Max128Text | |
| Reference | 1..1 | OBFundsConfirmation1/Data/Reference | Unique reference, as assigned by the CBPII, to unambiguously refer to the request related to the payment transaction. | Max35Text | |
| InstructedAmount | 1..1 | OBFundsConfirmation1/Data/InstructedAmount | Amount of money to be confirmed as available funds in the debtor account. Contains an Amount and a Currency. | OBActiveOrHistoricCurrencyAndAmount | |
| Amount | 1..1 | OBFundsConfirmation1/Data/InstructedAmount/Amount | A number of monetary units specified in an active currency where the unit of currency is explicit and compliant with ISO 4217. | OBActiveCurrencyAndAmount_SimpleType | ^\d{1,13}\.\d{1,5}$ |
| Currency | 1..1 | OBFundsConfirmation1/Data/InstructedAmount/Currency | A code allocated to a currency by a Maintenance Agency under an international identification scheme, as described in the latest edition of the international standard ISO 4217 "Codes for the representation of currencies and funds". | ActiveOrHistoricCurrencyCode | ^[A-Z]{3,3}$ |
Funds Confirmation - Response
The OBFundsConfirmationResponse1 object will be used for the following:
- Response to POST /funds-confirmations
UML Diagram
Notes:
The OBFundsConfirmationResponse1 object contains the same information as the OBFundsConfirmation1, but with additional fields:
- FundsConfirmationId - to uniquely identify the funds-confirmation resource.
- FundsAvailable - to indicate the result of a confirmation of funds check.
- CreationDateTime - to indicate when the resource was created.
Data Dictionary
| Name | Occurrence | XPath | EnhancedDefinition | Class | Codes |
|---|---|---|---|---|---|
| OBFundsConfirmationResponse1 | OBFundsConfirmationResponse1 | OBFundsConfirmationResponse1 | |||
| Data | 1..1 | OBFundsConfirmationResponse1/Data | OBFundsConfirmationDataResponse1 | ||
| FundsConfirmationId | 1..1 | OBFundsConfirmationResponse1/Data/FundsConfirmationId | Unique identification as assigned by the ASPSP to uniquely identify the funds confirmation resource. | Max40Text | |
| ConsentId | 1..1 | OBFundsConfirmationResponse1/Data/ConsentId | Unique identification as assigned by the ASPSP to uniquely identify the funds confirmation consent resource. | Max128Text | |
| CreationDateTime | 1..1 | OBFundsConfirmationResponse1/Data/CreationDateTime | Date and time at which the resource was created. | ISODateTime | |
| FundsAvailable | 1..1 | OBFundsConfirmationResponse1/Data/FundsAvailable | Flag to indicate the result of a confirmation of funds check. | xs:boolean | |
| Reference | 1..1 | OBFundsConfirmationResponse1/Data/Reference | Unique reference, as assigned by the CBPII, to unambiguously refer to the request related to the payment transaction. | Max35Text | |
| InstructedAmount | 1..1 | OBFundsConfirmationResponse1/Data/InstructedAmount | Amount of money to be confirmed as available funds in the debtor account. Contains an Amount and a Currency. | OBActiveOrHistoricCurrencyAndAmount | |
| Amount | 1..1 | OBFundsConfirmationResponse1/Data/InstructedAmount/Amount | A number of monetary units specified in an active currency where the unit of currency is explicit and compliant with ISO 4217. | OBActiveCurrencyAndAmount_SimpleType | ^\d{1,13}\.\d{1,5}$ |
| Currency | 1..1 | OBFundsConfirmationResponse1/Data/InstructedAmount/Currency | A code allocated to a currency by a Maintenance Agency under an international identification scheme, as described in the latest edition of the international standard ISO 4217 "Codes for the representation of currencies and funds". | ActiveOrHistoricCurrencyCode | ^[A-Z]{3,3}$ |
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