Version Control

Version	Date	Author	Comments
3.0	07 Sep 2018	OB R/W API Team	This is the baseline version. No change from RC3.
3.1-draft1	11 Sep 2018	OB R/W API Team	This is the initial draft version for 3.1. Errata Grammatical Fixes
3.1-draft2	05 Oct 2018	OB R/W API Team	Draft2 Changes: Updated example URLs to version 3.1.
3.1-draft3	18 Oct 2018	OB R/W API Team	Draft3 Changes: Data Model updated with a typed field for Account/SchemeName and Agent/SchemeName field to reference in Namespaced Enumerations page.
3.1-draft3	30 Nov 2018	OB R/W API Team	Version 3.1 final release. No changes from Version 3.1 RC1.
3.1.1-RC1	18 Feb 2019	OB R/W API Team	3.1.1-RC1 changes: Updated Account Name definition.

Endpoints

Endpoints for the resource and available methods.

	Resource	HTTP Operation	Endpoint	Mandatory?	Scope	Grant Type	Idempotency Key	Parameters	Request Object	Response Object
1	scheduled-payments	GET	GET /accounts/{AccountId}/scheduled-payments	Conditional	accounts	Authorization Code	No			OBReadScheduledPayment2
2	scheduled-payments	GET	GET /scheduled-payments	Optional	accounts	Authorization Code	No	Pagination		OBReadScheduledPayment2

GET /accounts/{AccountId}/scheduled-payments

An ASPSP may provide this endpoint for AISPs to retrieve the scheduled-payments for a specific AccountId (which is retrieved in the call to GET /accounts).

GET /scheduled-payments

If an ASPSP has implemented the bulk retrieval endpoints, an AISP may optionally retrieve the scheduled-payments resources in bulk.

This will retrieve the scheduled-payments resources for all authorised accounts linked to the account-request.

Data Model

Resource Definition

A resource that contains a set of elements that describes the scheduled payments that have been set up on a specific account (AccountId). A scheduled payment is a single one-off payment scheduled for a future date.

An account (AccountId) may have no scheduled payments set up, or may have multiple scheduled payments set up.

UML Diagram

Notes:

The CreditorAccount and CreditorAgent blocks replicate what is used consistently throughout the Account Information APIs to identify an account.
For the /accounts/{AccountId}/scheduled-payments endpoint, the CreditorAccount and CreditorAgent blocks represent the account that is receiving funds (so has been named the CreditorAccount, for consistency with the PISP use case).
A DateTime element has been used so that there is consistency across all API endpoints using dates. Where time elements do not exist in ASPSP systems, the time portion of the DateTime element will be defaulted to 00:00:00+00:00.
The Amount elements all have embedded Currency elements for consistency is ISO 20022, and across the other API endpoints.

Permission Codes

The resource differs depending on the permissions (ReadScheduledPaymentsBasic and ReadScheduledPaymentsDetail) used to access resource. In the event that the resource is accessed with both ReadScheduledPaymentsBasic and ReadScheduledPaymentsDetail, the most detailed level (ReadScheduledPaymentsDetail) must be used.

These objects must not be returned without the ReadScheduledPaymentsDetail permission:
- OBReadScheduledPayment2/Data/ScheduledPayment/CreditorAgent
- OBReadScheduledPayment2/Data/ScheduledPayment/CreditorAccount
If the ReadScheduledPaymentsDetail is granted by the PSU:
- OBReadScheduledPayment2/Data/ScheduledPayment/CreditorAgent may be returned if applicable to the account and ASPSP (0..1)
- OBReadScheduledPayment2/Data/ScheduledPayment/CreditorAccount must be returned (1..1)

If the ReadPAN permission is granted by the PSU - the ASPSP may choose to populate the OBReadScheduledPayment2/Data/ScheduledPayment/CreditorAccount/Identification with the unmasked PAN (if the PAN is being populated in the response).

Data Dictionary

Name	Occurrence	XPath	EnhancedDefinition	Class	Codes	Pattern
OBReadScheduledPayment2		OBReadScheduledPayment2		OBReadScheduledPayment2
Data	1..1	OBReadScheduledPayment2/Data		OBReadDataScheduledPayment2
ScheduledPayment	0..n	OBReadScheduledPayment2/Data/ScheduledPayment		OBScheduledPayment2
AccountId	1..1	OBReadScheduledPayment2/Data/ScheduledPayment/AccountId	A unique and immutable identifier used to identify the account resource. This identifier has no meaning to the account owner.	Max40Text
ScheduledPaymentId	0..1	OBReadScheduledPayment2/Data/ScheduledPayment/ScheduledPaymentId	A unique and immutable identifier used to identify the scheduled payment resource. This identifier has no meaning to the account owner.	Max40Text
ScheduledPaymentDateTime	1..1	OBReadScheduledPayment2/Data/ScheduledPayment/ScheduledPaymentDateTime	The date on which the scheduled payment will be made.	ISODateTime
ScheduledType	1..1	OBReadScheduledPayment2/Data/ScheduledPayment/ScheduledType	Specifies the scheduled payment date type requested	OBExternalScheduleType1Code	Arrival Execution
Reference	0..1	OBReadScheduledPayment2/Data/ScheduledPayment/Reference	Unique reference, as assigned by the creditor, to unambiguously refer to the payment transaction. Usage: If available, the initiating party should provide this reference in the structured remittance information, to enable reconciliation by the creditor upon receipt of the amount of money. If the business context requires the use of a creditor reference or a payment remit identification, and only one identifier can be passed through the end-to-end chain, the creditor's reference or payment remittance identification should be quoted in the end-to-end transaction identification.	Max35Text
InstructedAmount	1..1	OBReadScheduledPayment2/Data/ScheduledPayment/InstructedAmount	Amount of money to be moved between the debtor and creditor, before deduction of charges, expressed in the currency as ordered by the initiating party. Usage: This amount has to be transported unchanged through the transaction chain.	OBActiveOrHistoricCurrencyAndAmount
Amount	1..1	OBReadScheduledPayment2/Data/ScheduledPayment/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	OBReadScheduledPayment2/Data/ScheduledPayment/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}$
CreditorAgent	0..1	OBReadScheduledPayment2/Data/ScheduledPayment/CreditorAgent	Party that manages the account on behalf of the account owner, that is manages the registration and booking of entries on the account, calculates balances on the account and provides information about the account. This is the servicer of the beneficiary account.	OBBranchAndFinancialInstitutionIdentification5
SchemeName	1..1	OBReadScheduledPayment2/Data/ScheduledPayment/CreditorAgent/SchemeName	Name of the identification scheme, in a coded form as published in an external list.	OBExternalFinancialInstitutionIdentification4Code
Identification	1..1	OBReadScheduledPayment2/Data/ScheduledPayment/CreditorAgent/Identification	Unique and unambiguous identification of the servicing institution.	Max35Text
CreditorAccount	0..1	OBReadScheduledPayment2/Data/ScheduledPayment/CreditorAccount	Provides the details to identify the beneficiary account.	OBCashAccount5
SchemeName	1..1	OBReadScheduledPayment2/Data/ScheduledPayment/CreditorAccount/SchemeName	Name of the identification scheme, in a coded form as published in an external list.	OBExternalAccountIdentification4Code
Identification	1..1	OBReadScheduledPayment2/Data/ScheduledPayment/CreditorAccount/Identification	Beneficiary account identification.	Max256Text
Name	0..1	OBReadScheduledPayment2/Data/ScheduledPayment/CreditorAccount/Name	The account name is the name or names of the account owner(s) represented at an account level, as displayed by the ASPSP's online channels. Note, the account name is not the product name or the nickname of the account.	Max70Text
SecondaryIdentification	0..1	OBReadScheduledPayment2/Data/ScheduledPayment/CreditorAccount/SecondaryIdentification	This is secondary identification of the account, as assigned by the account servicing institution. This can be used by building societies to additionally identify accounts with a roll number (in addition to a sort code and account number combination).	Max34Text

Usage Examples

Specific Account

Request

Get Account Specific Scheduled Payments Request

GET /accounts/22289/scheduled-payments HTTP/1.1
Authorization: Bearer Az90SAOJklae
x-fapi-financial-id: OB/2017/001
x-fapi-customer-last-logged-time:  Sun, 10 Sep 2017 19:43:31 GMT
x-fapi-customer-ip-address: 104.25.212.99
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Accept: application/json

Response

Get Accounts Specific Scheduled Payments Response

HTTP/1.1 200 OK
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Content-Type: application/json

{
  "Data": {
    "ScheduledPayment": [
      {
        "AccountId": "22289",
        "ScheduledPaymentId": "SP03",
        "ScheduledPaymentDateTime": "2017-05-05T00:00:00+00:00",
        "ScheduledType": "Execution",
        "InstructedAmount": {
          "Amount": "10.00",
          "Currency": "GBP"
        },
        "CreditorAccount": {
          "SchemeName": "UK.OBIE.SortCodeAccountNumber",
          "Identification": "23605490179017",
          "Name": "Mr Tee"
        }
      }
    ]
  },
  "Links": {
    "Self": "https://api.alphabank.com/open-banking/v3.1/aisp/accounts/22289/scheduled-payments/"
  },
  "Meta": {
    "TotalPages": 1
  }
}

Bulk