Access Control is achieved via the following mechanisms in OBP:

• APIs are enabled in Props. See the README.md

• Consumers (Apps) are granted access to Roles and Views via Scopes (WIP)

See here for related endpoints and documentation.

• Users are granted access to System or Bank Roles via Entitlements.

See here for related endpoints and documentation.

Users may request Entitlement Requests here

Entitlements and Entitlement Requests can be managed in the OBP API Manager.

• Users are granted access to Customer Accounts, Transactions and Payments via Views.

See here for related endpoints and documentation.

User Views can be managed via the OBP Sofit Consent App.

A string generated by OBP-API that MUST uniquely identify the API call received by OBP-API. Used for debugging and logging purposes. It is returned in header to the caller.

Example value: 1flssoftxq0cr1nssr68u0mioj

The thing that tokens of value (money) come in and out of.
An account has one or more owners which are Users.
In the future, Customers may also be owners.
An account has a balance in a specified currency and zero or more transactions which are records of successful movements of money.

An identifier for the account that MUST NOT leak the account number or other identifier nomrally used by the customer or bank staff.
It SHOULD be a UUID. It MUST be unique in combination with the BANK_ID. ACCOUNT_ID is used in many URLS so it should be considered public.
(We do NOT use account number in URLs since URLs are cached and logged all over the internet.)
In local / sandbox mode, ACCOUNT_ID is generated as a UUID and stored in the database.
In non sandbox modes (Kafka etc.), ACCOUNT_ID is mapped to core banking account numbers / identifiers at the South Side Adapter level.
ACCOUNT_ID is used to link Metadata and Views so it must be persistant and known to the North Side (OBP-API).

Example value: 8ca8a7e4-6d02-40e3-a129-0b2bf89de9f0

An identifier that conforms to account_routing_scheme / accountRoutingScheme

Example value: DE91 1000 0000 0123 4567 89

The scheme that the account_routing_address / accountRoutingAddress is an example of.

Example value: IBAN

MUST uniquely identify the bank account globally.

Example value: DE91 1000 0000 0123 4567 89

A username that is the owner of the account.

Example value: SusanSmith

Use Akka as an interface between OBP and your Core Banking System (CBS).

For an introduction to Akka see here

The OBP Akka interface allows integrators to write Java or Scala Adapters (any JVM language with Akka support)
respond to requests for data and services from OBP.

For the message definitions see here

Installation Prerequisites

• You have OBP-API running.

• Ideally you have API Explorer running (the application serving this page) but its not necessary - you could use any other REST client.

• You might want to also run API Manager as it makes it easier to grant yourself roles, but its not necessary - you could use the API Explorer / any REST client instead.

Create a Customer User and an Admin User

• Register a User who will use the API as a Customer.
• Register another User that will use the API as an Admin. The Admin user will need some Roles. See here. You can bootstrap an Admin user by editing the Props file. See the README for that.

Add some authentication context to the Customer User

• As the Admin User, use the Create Auth Context endpoint to add one or more attributes to the Customer User.
  For instance you could add the name/value pair CUSTOMER_NUMBER/889763 and this will be sent to the Adapter / CBS inside the AuthInfo object.

Now you should be able to use the Get Auth Contexts endpoint to see the data you added.

Write or Build an Adapter to respond to the following messages.

When getting started, we suggest that you implement the messages in the following order:

1) Core (Prerequisites) - Get Adapter, Get Banks, Get Bank

• obp.getAdapterInfo

Now you should be able to use the Adapter Info endpoint

• obp.getBanks

Now you should be able to use the Get Banks endpoint

• obp.getBank

Now you should be able to use the Get Bank endpoint

2) Get Customers by USER_ID

• obp.getCustomersByUserId

Now you should be able to use the Get Customers endpoint.

3) Get Accounts

• obp.checkBankAccountExists
• obp.getCoreBankAccounts

The above messages should enable at least the following endpoints:

• Get Accounts at Bank (IDs only)
• Get Accounts at Bank (Minimal).
• Get Accounts at all Banks (private)

4) Get Account

• obp.getBankAccount

The above message should enable at least the following endpoints:

• Get Account by Id - Core
• Get Account by Id - Full

5) Get Transactions

• obp.getTransactions
• obp.getTransaction

6) Manage Counterparties

• obp.getCounterparties

7) Get Transaction Request Types

• This is configured using OBP Props - No messages required

This glossary item is Work In Progress.

Use Kafka as an interface between OBP and your Core Banking System (CBS).

For an introduction to Kafka see here

Installation Prerequisites

• You have OBP-API running and it is connected to a Kafka installation.
  You can check OBP -> Kafka connectivity using the "loopback" endpoint.

• Ideally you have API Explorer running (the application serving this page) but its not necessary - you could use any other REST client.

• You might want to also run API Manager as it makes it easier to grant yourself roles, but its not necessary - you could use the API Explorer / any REST client instead.

Create a Customer User and an Admin User

• Register a User who will use the API as a Customer.
• Register another User that will use the API as an Admin. The Admin user will need some Roles. See here. You can bootstrap an Admin user by editing the Props file. See the README for that.

Add some authentication context to the Customer User

• As the Admin User, use the Create Auth Context endpoint to add one or more attributes to the Customer User.
  For instance you could add the name/value pair CUSTOMER_NUMBER/889763 and this will be sent to the Adapter / CBS inside the AuthInfo object.

Now you should be able to use the Get Auth Contexts endpoint to see the data you added.

Write or Build an Adapter to respond to the following messages.

When getting started, we suggest that you implement the messages in the following order:

1) Core (Prerequisites) - Get Adapter, Get Banks, Get Bank

• obp.getAdapterInfo

Now you should be able to use the Adapter Info endpoint

• obp.getBanks

Now you should be able to use the Get Banks endpoint

• obp.getBank

Now you should be able to use the Get Bank endpoint

2) Core (Authentications) -The step1 Apis are all anonymous access. If you need to link bank customer data to the obp user,
Then you need link OBP user with Bank user/customer using the Create User Auth Context. Also
check the description for this endpoint. Once you create the user-auth-context for one user, then these user-auth-context key value pair
can be propagated over connector message. Than the Adapter can use it to map OBP user and Bank user/customer.

• obp.getBankAccountsForUser

Now you should be able to use the Refresh User endpoint

3) Customers for logged in User

• obp.getCustomersByUserIdBox

Now you should be able to use the Get Customers endpoint.

4) Get Accounts

Now you should already be able to use the Get Accounts at Bank (IDs only). endpoint.

• obp.getCoreBankAccounts

The above messages should enable at least the following endpoints:

• Get Accounts at Bank (Minimal).
• Get Accounts at all Banks (private)

5) Get Account

• obp.checkBankAccountExists
• obp.getBankAccount

The above message should enable at least the following endpoints:

• Get Account by Id - Core
• Get Account by Id - Full

6) Get Transactions

• obp.getTransactions
• obp.getTransaction

7) Manage Counterparties

• obp.getCounterparties
• obp.getCounterpartyByCounterpartyId
• obp.createCounterparty

8) Get Transaction Request Types

• This is configured using OBP Props - No messages required

9) Get Challenge Threshold (CBS)

• obp.getChallengeThreshold

10) Make Payment (used by Create Transaction Request)

• obp.makePaymentv210
• This also requires 8,9,10 for high value payments.

11) Get Transaction Requests.

• obp.getTransactionRequests210

12) Generate Security Challenges (CBS)

• obp.createChallenge

13) Answer Security Challenges (Validate)

• Optional / Internal OBP (No additional messages required)

14) Manage Counterparty Metadata

• Internal OBP (No additional messages required)

15) Get Entitlements

• Internal OBP (No additional messages required)

16) Manage Roles

• Internal OBP (No additional messages required)

17) Manage Entitlements

• Internal OBP (No additional messages required)

18) Manage Views

• Internal OBP (No additional messages required)

19) Manage Transaction Metadata

• Internal OBP (No additional messages required)

Use Stored_Procedure as an interface between OBP and your Core Banking System (CBS).

For an introduction to Stored Procedures see here

Installation Prerequisites

• You have OBP-API running and it is connected to a stored procedure related database.
• Ideally you have API Explorer running (the application serving this page) but its not necessary - you could use any other REST client.
• You might want to also run API Manager as it makes it easier to grant yourself roles, but its not necessary - you could use the API Explorer / any REST client instead.

authInfo is a JSON object sent by the Connector to the Adapter so the Adapter and/or Core Banking System can
identify the User making the call.

The authInfo object contains several optional objects and fields.

Please see the Message Docs for your connector for the current JSON structure. The following serves as a guide:

• userId is the user_id as generated by OBP
• username can be chosen explicitly to match an existing customer number (not recommended)
• linkedCustomers is a list of Customers the User is explicitly linked to. Use the Create User Customer Link endpoint to populate this data.
• userAuthContexts may contain the customer number or other tokens in order to boot strap the User Customer Links
  or provide an alternative method of tagging the User with an authorisation context.
  Use the Create UserAuthContext endpoint to populate this data.
• cbsToken is a token used by the CBS to identify the user's session. Either generated by the CBS or Gateway.
• isFirst is a flag that indicates that OBP should refresh the user's list of accounts from the CBS (and flush / invalidate any User's cache)
• correlationId just identifies the API call.
• authViews are entitlements given by account holders to third party users e.g. Sam may grant her accountant Jill read only access to her business account. See the Create View endpoint

A string that MUST uniquely identify the card attribute on this OBP instance. It SHOULD be a UUID.

Example value: b4e0352a-9a0f-4bfa-b30b-9003aa467f50

The Card attribute name

Example value: OVERDRAFT_START_DATE

The card attribute values

Example value: 2012-04-23

A string that MUST uniquely identify the card on this OBP instance. It SHOULD be a UUID.

Example value: 36f8a9e6-c2b1-407a-8bd0-421b7119307e

The number of the physical card

Example value: 364435172576215

The type of the physical card. eg: credit, debit ...

Example value: Credit

A token provided by the Gateway for use by the Core Banking System

Example value: FYIUYF6SUYFSD

The issue number of the physical card, eg 1,2,3,4 ....

Example value: 1

This key should be used with Adapter.value together. They are a pair.

Example value: 5987953

The limit in pagination

Example value: 100

The name on the physical card

Example value: SusanSmith

The offset in pagination

Example value: 100

The provider id of the user which is equivalent to the username.

Example value: Chris

The serial number of the physical card, eg 1123.

Example value: 1324234

This key should be used with Adapter.key together. They are a pair.

Example value: FYIUYF6SUYFSD

The Provider authenticating this User

Example value: http://127.0.0.1:8080

The entity that represents the financial institution or bank within a financial group.
Open Bank Project is a multi-bank API. Each bank resource contains basic identifying information such as name, logo and website.

An identifier that uniquely identifies the bank or financial institution on the OBP-API instance.

It is typically a human (developer) friendly string for ease of identification.

It SHOULD NOT contain spaces.

In sandbox mode it typically has the form: "financialinstitutuion.sequencennumber.region.language". e.g. "bnpp-irb.01.it.it"

For production, it's value could be the BIC of the institution.

Example value: gh.29.uk

An identifier that conforms to bank_routing_scheme / bankRoutingScheme

Example value: GENODEM1GLS

The scheme that the bank_routing_address / bankRoutingAddress is an example of.

Example value: BIC

Uniquely identifies the Branch in combination with the bankId.

Example value: DERBY6

An address that conforms to branch_routing_scheme / branchRoutingScheme

Example value: DERBY6

The scheme that the branch_routing_address / branchRoutingAddress is an example of.

Example value: BRANCH-CODE

A selection of links to get you started using the Open Bank Project API platform, applications and tools.

OBP API Installation

OBP API Contributing

Access Control

Versioning

Authentication

Interfaces

Endpoints

Glossary

Access Control

OBP Kafka

OBP Akka

API Explorer

API Manager

API Tester

In OBP, we use the term "Connector" to mean the Scala/Java/Other JVM code in OBP that connects directly or indirectly to the systems of record i.e. the Core Banking Systems, Payment Systems and Databases.

Several Connectors are present in the OBP source code and all must implement the Connector interface
- but, except when using the Star Connector, only one of them is active at any one time.

The active connector is defined in the OBP Props file.

A "Direct Connector" is considered to be one that talks directly to the system of record or existing service layer.

i.e. API -> Connector -> CBS

An "Indirect Connector" is considered one which pairs with an Adapter which in turn talks to the system of record or service layer.

i.e. API -> Connector -> Adapter -> CBS

The advantage of a Direct connector is that its perhaps simpler. The disadvantage is that you have to code in a JVM language, understand a bit about OBP internals and a bit of Scala.

The advantage of the Indirect Connector is that you can write the Adapter in any language and the Connector and Adapter are decoupled (you just have to respect the Outbound / Inbound message format).

The default Connector in OBP is a Direct Connector called "mapped". It is called the "mapped" connector because it talks directly to the OBP database (Postgres, MySQL, Oracle, MSSQL etc.) via the Liftweb ORM which is called Mapper.

If you want to create your own (Direct) Connector you can fork any of the connectors within OBP.

There is a special Connector called the Star Connector which can use functions from all the normal connectors.

Using the Star Connector we can dynamically reroute function calls to different Connectors per function per bank_id.

The OBP API Manager has a GUI to manage this or you can use the OBP Method Routing APIs to set destinations for each function call.

Note: We generate the source code for individual connectors automatically.

Consent, or Account onboarding, is the process by which the account owner gives permission for their account(s) to be accessible to the API endpoints.

In OBP, the account, transaction and payment APIs are all guarded by Account Views - with one exception, the account holders endpoint which can be used to
bootstrap account on-boarding.

Note: the account holders endpoint is generally made available only to the Account Onboarding App, so if a View does not exist, no API access to the account is possible.

Consent or Account onboarding can be managed in one of two ways:

1) A backend system (CBS or other) is the system of record for User Consent, and OBP mirrors this.

In this case:

a) OBP requires the CBS or other backend system to return a list of accounts and permissions associated with a User.

b) At User login, OBP automatically creates one or more Views for that User based on the permissions supplied by the CBS.

2) OBP is the system of record for User Consent.

In this case:

a) OBP requires the CBS, Gateway or other system to provide just a basic list of accounts owned by the User.

b) The Onboarding App or Bank's Onboarding Page then authenticates the User and calls the Create View endpoint.

c) The account, transaction and payment API endpoints then work as moderated by the relevant View permissions.

d) The User can revoke access by calling the delete View endpoint.

In summary:

Prior to Views being created on an Account for a User, only the 'accounts held' endpoint will work for the account holder, and this endpoint only provides enough information
to identify the account so it can be selected and on-boarded into the API.

Once a View exists for an Account, a User can interact with the Account via the API based on permissions defined in the View.

The "consumer" of the API, i.e. the web, mobile or serverside "App" that calls on the OBP API on behalf of the end user (or system).

Each Consumer has a consumer key and secrect which allows it to enter into secure communication with the API server.

The Counterparty ID used in URLs. This SHOULD NOT be a name of a Counterparty.

Example value: 9fg8a7e4-6d02-40e3-a129-0b2bf89de8uh

The name of a Counterparty. Ideally unique for an Account

Example value: John Smith Ltd.

This is a boolean. True if the originAccount can send money to the Counterparty

Example value: true

The legal entity that has the relationship to the bank. Customers are linked to Users via User Customer Links. Customer attributes include Date of Birth, Customer Number etc.

.

Example value:

.

Example value:

Customer attribute alias.

Example value: STRING

Customer attribute id

Example value: 7uy8a7e4-6d02-40e3-a129-0b2bf89de8uh

Customer attribute name

Example value: SPECIAL_TAX_NUMBER

Customer attribute type.

Example value: STRING

Customer attribute value.

Example value: 123456789

A non human friendly string that identifies the customer and is used in URLs. This SHOULD NOT be the customer number. The combination of customerId and bankId MUST be unique on an OBP instance. customerId SHOULD be unique on an OBP instance. Ideally customerId is a UUID. A mapping between customer number and customer id is kept in OBP.

Example value: 7uy8a7e4-6d02-40e3-a129-0b2bf89de8uh

A non human friendly string that identifies the customer and is used in URLs. This SHOULD NOT be the customer number. The combination of customerId and bankId MUST be unique on an OBP instance. customerId SHOULD be unique on an OBP instance. Ideally customerId is a UUID. A mapping between customer number and customer id is kept in OBP.

Example value: 7uy8a7e4-6d02-40e3-a129-0b2bf89de8uh

A non human friendly string that identifies the customer and is used in URLs. This SHOULD NOT be the customer number. The combination of customerId and bankId MUST be unique on an OBP instance. customerId SHOULD be unique on an OBP instance. Ideally customerId is a UUID. A mapping between customer number and customer id is kept in OBP.

Example value: 7uy8a7e4-6d02-40e3-a129-0b2bf89de8uh

A non human friendly string that identifies the customer and is used in URLs. This SHOULD NOT be the customer number. The combination of customerId and bankId MUST be unique on an OBP instance. customerId SHOULD be unique on an OBP instance. Ideally customerId is a UUID. A mapping between customer number and customer id is kept in OBP.

Example value: 7uy8a7e4-6d02-40e3-a129-0b2bf89de8uh

A non human friendly string that identifies the customer and is used in URLs. This SHOULD NOT be the customer number. The combination of customerId and bankId MUST be unique on an OBP instance. customerId SHOULD be unique on an OBP instance. Ideally customerId is a UUID. A mapping between customer number and customer id is kept in OBP.

Example value: 7uy8a7e4-6d02-40e3-a129-0b2bf89de8uh

A non human friendly string that identifies the consumer. It is the app which calls the apis

Example value: 7uy8a7e4-6d02-40e3-a129-0b2bf89de8uh

The human friendly customer identifier that MUST uniquely identify the Customer at the Bank ID. Customer Number is NOT used in URLs.

Example value: 5987953

The identifier that MUST NOT leak the customer number or other identifier nomrally used by the customer or bank staff. It SHOULD be a UUID and MUST be unique in combination with BANK_ID.

Example value: 7uy8a7e4-6d02-40e3-a129-0b2bf89de8uh

the number of dependents

Example value: 1

employment status

Example value: worker

highest education attained

Example value: Master

This is boolean to indicate if the cusomter's KYC has been checked.

Example value: true

The legal name of the Customer.

Example value: Eveline Tripman

The mobile number name of the Customer.

Example value: +44 07972 444 876

suffix of the name

Example value: Sr

relationship status

Example value: single

title of the name

Example value: Dr.

The URL

Example value: http://www.example.com/id-docs/123/image.png

An overview of the Open Bank Project Data Model.

This diagram may help in understanding the Open Bank Project entities, capabilities and concepts. However, it is subject to change. If we change the data model, we release migration scripts.

Direct Login is a simple authentication process to be used at hackathons and trusted environments:

1) Get your App key

Sign up or login as a developer.

Register your App key HERE

Copy and paste the consumer key for step two below.

2) Authenticate

Using your favorite http client:

POST https://uk.openbankproject.com/my/logins/direct

Body

Leave Empty!

Headers:

Content-Type:  application/json


Authorization: DirectLogin username="janeburel",
                password="the-password-of-jane",
                consumer_key="your-consumer-key-from-step-one"

Here is it all together:

POST https://uk.openbankproject.com/my/logins/direct HTTP/1.1
Authorization: DirectLogin username="janeburel",   password="686876",  consumer_key="GET-YOUR-OWN-API-KEY-FROM-THE-OBP"
Content-Type: application/json
Host: 127.0.0.1:8080
Connection: close
User-Agent: Paw/2.3.3 (Macintosh; OS X/10.11.3) GCDHTTPRequest
Content-Length: 0

You should receive a token:

{"token":"a-long-token-string"}

3) Make authenticated API calls

In subsequent calls you can use the token received in step 2

e.g.

Action:

PUT https://uk.openbankproject.com/obp/v2.0.0/banks/obp-bankx-n/accounts/my-new-account-id

Body:

{  "type":"CURRENT",  "balance":{    "currency":"USD",    "amount":"0"  }}

Headers:

Content-Type:  application/json

Authorization: DirectLogin token="your-token-from-step-2"

Here is another example:

PUT https://uk.openbankproject.com/obp/v2.0.0/banks/enbd-egy--p3/accounts/newaccount1 HTTP/1.1
Authorization: DirectLogin token="eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyIiOiIifQ.C8hJZNPDI59OOu78pYs4BWp0YY_21C6r4A9VbgfZLMA"
Content-Type: application/json
Cookie: JSESSIONID=7h1ssu6d7j151u08p37a6tsx1
Host: 127.0.0.1:8080
Connection: close
User-Agent: Paw/2.3.3 (Macintosh; OS X/10.11.3) GCDHTTPRequest
Content-Length: 60

{"type":"CURRENT","balance":{"currency":"USD","amount":"0"}}

More information

Parameter names and values are case sensitive.
The following parameters must be sent by the client to the server:

   username
     The name of the user to authenticate.

   password
     The password used to authenticate user. Alphanumeric string.

   consumer_key
     The application identifier. Generated on OBP side via
     https://uk.openbankproject.com/consumer-registration endpoint.

Each parameter MUST NOT appear more than once per request.

The following dummy Customer Logins may be used by developers testing their applications on this sandbox:

customer-logins

Introduction

Note: Gateway Login is NOT enabled on this instance!

Gateway Login Authorisation is made by including a specific header (see step 3 below) in any OBP REST call.

Note: Gateway Login does not require an explicit POST like Direct Login to create the token.

The Gateway is responsible for creating a token which is trusted by OBP absolutely!

When OBP recieves a token via Gateway Login, OBP creates or gets a user based on the username supplied.

To use Gateway Login:

1) Configure OBP API to accept Gateway Login.

Set up properties in a props file

# -- Gateway login --------------------------------------
# Enable/Disable Gateway communication at all
# In case isn't defined default value is false
# allow_gateway_login=false
# Define comma separated list of allowed IP addresses
# gateway.host=127.0.0.1
# Define secret used to validate JWT token
# gateway.token_secret=secret
# -------------------------------------- Gateway login --

Please keep in mind that property gateway.token_secret is used to validate JWT token to check it is not changed or corrupted during transport.

2) Create / have access to a JWT

HEADER:ALGORITHM & TOKEN TYPE

{
  "alg": "HS256",
  "typ": "JWT"
}

PAYLOAD:DATA

{
  "username": "simonr",
  "is_first": true,
  "timestamp": "timestamp",
  "consumer_id": "123",
  "consumer_name": "Name of Consumer"
}

VERIFY SIGNATURE

HMACSHA256(
  base64UrlEncode(header) + "." +
  base64UrlEncode(payload),

) secret base64 encoded

Here is the above example token:

eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.
AS8D76F7A89S87D6F7A9SD876FA789SD78F6A7S9D78F6AS79DF87A6S7D9F7A6S7D9F78A6SD798F78679D786S789D78F6A7S9D78F6AS79DF876A7S89DF786AS9D87F69AS7D6FN1bWVyIn0.
KEuvjv3dmwkOhQ3JJ6dIShK8CG_fd2REApOGn1TRmgU

3) Try a REST call using the header

Using your favorite http client:

GET https://uk.openbankproject.com/obp/v3.0.0/users/current

Body

Leave Empty!

Headers:

   Authorization: GatewayLogin token="your-jwt-from-step-above"

Here is it all together:

GET https://uk.openbankproject.com/obp/v3.0.0/users/current HTTP/1.1
Host: localhost:8080
User-Agent: curl/7.47.0
Accept: /
Authorization: GatewayLogin token="eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.
AS8D76F7A89S87D6F7A9SD876FA789SD78F6A7S9D78F6AS79DF87A6S7D9F7A6S7D9F78A6SD798F78679D786S789D78F6A7S9D78F6AS79DF876A7S89DF786AS9D87F69AS7D6FN1bWVyIn0.
KEuvjv3dmwkOhQ3JJ6dIShK8CG_fd2REApOGn1TRmgU"

CURL example

curl -v -H 'Authorization: GatewayLogin token="eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.
AS8D76F7A89S87D6F7A9SD876FA789SD78F6A7S9D78F6AS79DF87A6S7D9F7A6S7D9F78A6SD798F78679D786S789D78F6A7S9D78F6AS79DF876A7S89DF786AS9D87F69AS7D6FN1bWVyIn0.
KEuvjv3dmwkOhQ3JJ6dIShK8CG_fd2REApOGn1TRmgU" https://uk.openbankproject.com/obp/v3.0.0/users/current

You should receive a response like:

{
  "user_id": "33fd104f-3e6f-4025-97cc-b76bbdc9148e",
  "email": "marko@tesobe.com",
  "provider_id": "marko.milic",
  "provider": "https://tesobe.openbankproject.com",
  "username": "marko.milic",
  "entitlements": {
    "list": []
  }
}

and custom response header i.e. OBP returns a new token in the custom response header called GatewayLogin (to the Gateway)

{
"username": "simonr",
"CBS_auth_token": "fapsoidfuipoi889w3ih", (Encrypted by OBP Adapter)
"timestamp": "timestamp",
"consumer_id": "123",
"consumer_name": "Name of Consumer"
}

GatewayLogin token="eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.
AS8D76F7A89S87D6F7A9SD876FA789SD78F6A7S9D78F6AS79DF87A6S7D9F7A6S7D9F78A6SD798F78679D786S789D78F6A7S9D78F6AS79DF876A7S89DF786AS9D87F69AS7D6FN1bWVyIn0.
KEuvjv3dmwkOhQ3JJ6dIShK8CG_fd2REApOGn1TRmgU"

Under the hood

The file, GatewayLogin.scala handles the Gateway Login.

We:

-> Check if Props allow_gateway_login is true
  -> Check if GatewayLogin header exists
    -> Check if getRemoteIpAddress is OK
      -> Look for "token"
        -> If "is_first" is true -OR- CBS_auth_token is empty then, call CBS to get accounts

The CBS_auth_token (either the new one from CBS or existing one from previous token) is returned in the GatewayLogin custom response header.

More information

Parameter names and values are case sensitive.

Each parameter MUST NOT appear more than once per request.

KYC is the process by which the Bank can be assured that the customer is who they say they are.

OBP provides a number of endpoints that KYC Apps can interact with in order to get and store relevant data and update the KYC status of a Customer.

For instance:

1) Use KYC documents to add information about passports, ID cards, driving licenses including:

• customer_number
• type (of document)
• number (of document)
• issue_date
• issue_place
• expiry_date

For more info see here.

2) Use KYC check to record a check of the customer via phone call, in person meeting or PEP database search.

KYC Checks store:

• customer_number
• date
• how (FACE_TO_FACE_MEETING, PHONE_INTERVIEW, PEP_SEARCH)
• staff_user_id (who recorded the record)
• staff_name (who recorded the record)
• satisfied (True/False)
• comments

For more info see here.

3) Use KYC Media to add media (image or video etc.) related to:

A) the documents listed in KYC documents

B) media that identifies the user e.g. a video ident.

C) media that relates to a KYC check

KYC Media stores:

• customer_number
• type
• url
• date
• relates_to_kyc_document_id
• relates_to_kyc_check_id

For more information see here.

4) Use KYC status to update the KYC status of a customer following a meeting or using one of the above calls.

KYC status stores:

• customer_number
• ok (True/False)
• date

For more information see here.

5) Use other Customer related endpoints shown here to check for known Addresses, contact details, Tax Residences etc.

The following steps will explain how to connect an instance of the Open Bank Project OAuth Server 1.0a. This authentication mechanism is necessary so a third party application can consume the Open Bank project API securely.

The following documentation is based on the OAuth 1.0a specification so if you need more details you can refer to it.

Before starting to interact with the API, third party applications needs to get OAuth keys (consumer key and secret key). You can register your application here to get those keys for interacting with real data. If you want to use the sandbox before handling real data, please register your application here

1) Obtain a request token

To start a sign in flow, the application must obtain a request token by sending a signed message to :

POST https://uk.openbankproject.com/oauth/initiate

• oauth_callback: an absolute URI back to which the server will redirect the resource owner (user) when Authorization step is completed. If the application is unable to receive callbacks the parameter value MUST be set to “oob” (case sensitive), to indicate an out-of-band configuration.

• oauth_consumer_key : The identifier portion of the client credentials (consumer key) which is obtained after application registration.

• oauth_nonce : A nonce is a random string, uniquely generated by the client to allow the server to verify that a request has never been made before. The nonce value MUST be unique across all requests with the same timestamp, application credentials, and token combinations.

• oauth_signature : the result of signing the request. Explained in detail here.

• oauth_signature_method : The name of the signature method that will be used by the application to sign the request, as defined in OAuth protocol. The Open Bank Project OAuth server support "SHA1" and "SHA256" so the parameter MUST be set to “HMAC-SHA1" or “HMAC-SHA256”

• oauth_timestamp : The timestamp value MUST be a positive integer and is expressed in the number of seconds since January 1, 1970 00:00:00 GMT.

• oauth_version : OPTIONAL. If present, MUST be set to "1.0". Provides the version of the authentication process as defined in the OAuth 1.0 protocol specification.

Example:

POST /oauth/initiate HTTP/1.1

Host: https://uk.openbankproject.com

Authorization: OAuth

oauth_callback="http%3A%2F%2Fprinter.example.com%2Fready",

oauth_consumer_key="cChZNFj6T5R0TigYB9yd1w",

oauth_nonce="ea9ec8429b68d6b77cd5600adbbb0456",

oauth_signature="F1Li3tvehgcraF8DMJ7OyxO4w9Y%3D",

oauth_signature_method="HMAC-SHA256",

oauth_timestamp="1318467427",

oauth_version="1.0"

important: We will explain below in the "signature" section how to calculate the value of the "oauth_signature" field.

Note : line breaks are for display purposes only, the application MUST send the parameters on one line and the only separator between the parameters is a coma “,”.

The server validates the request and replies with a set of temporary credentials in the body of the HTTP response.

Example (line breaks are for display purposes only) :

HTTP/1.1 200 OK
Content-Type: application/x-www-form-urlencoded
oauth_token=hh5s93j4hdidpola&oauth_token_secret=hdhd0244k9j7ao03&oauth_callback_confirmed=true

The application should examine the HTTP status of the response. Any value other than 200 indicates a failure. The body of the response will contain the oauth_token, oauth_token_secret, and oauth_callback_confirmed parameters. The application should verify that oauth_callback_confirmed is true and store the other two values for the next steps.

2) Redirect the user

The next step is to direct the user to Open Bank Project so that he may complete the authentication.

Direct the user to :

GET oauth/authorize

and the request token obtained in step 1 should be passed as the oauth_token parameter.

The most seamless way for a website to implement this would be to issue a HTTP 302 redirect as the response to the original request. Mobile and desktop applications should open a new browser window or direct to the URL via an embedded web view.

Example :

https://uk.openbankproject.com/oauth/authorize?oauth_token=NPcudxy0yU5T3tBzho7iCotZ3cnetKwcTIRlX0iwRl0

Upon a successful authentication, the callback URL would receive a request containing the oauth_token and oauth_verifier parameters. The application should verify that the token matches the request token received in step 1.

If the callback URL was not specified (oob) than the verifier will be shown in the page and the user has to enter it into the application manually.

3) Convert the request token to an access token

To convert the request token into a usable access token, the application must make a:

POST https://uk.openbankproject.com/oauth/token

request containing the oauth_verifier value obtained in step 2. The request token is also passed as oauth_token parameter of the header.

Note : The oauth_callback_url parameter is not necessary any more.

Example :

POST /oauth/token HTTP/1.1

Host: https://uk.openbankproject.com

Authorization: OAuth

oauth_verifier="9312832",

oauth_token=”aze2342352aze”,

oauth_consumer_key="cChZNFj6T5R0TigYB9yd1w",

oauth_nonce="ea9ec8429b68d6b77cd5600adbbb0456",

oauth_signature="F1Li3tvehgcraF8DMJ7OyxO4w9Y%3D",

oauth_signature_method="HMAC-SHA256",

oauth_timestamp="1318467427",

oauth_version="1.0"

Like the step 1, a successful response contains the oauth_token & oauth_token_secret and they should be stored and used for future authenticated requests to the OBP API.

The application can now use the access token to access protected resources.

4) Access protected resources

Once the application has an a access token and secret token, it can access protected resources. The request is the same as in step 3 except the oauth_verifer which MUST not be included in the header.

Please see the API documentation for more details on how to access protected resources.

Recommended OAuth 1.0 libraries:

If you want to use a OAuth library to handle the OAuth process for your application, we have successfully tested these ones:

• JAVA:

signpost. Warning any version below 1.2.1.2 probably will not work. Version 1.2 which is the current Maven version seems to cause problems.

• PHP:

OAuth Consumer And Server Library

• Scala:

Dispatch

• OBP SDKs / examples of client code with OAuth:

OBP SDKs

Examples :

To show the OAuth integration in concrete examples, please check out these projects listed here:
Hello-OBP-OAuth1.0a-LANGUAGE/PLATFORM

Signature :

According to the section-3.4 in the OAuth 1.0 protocol specification the signature computation is done following theses steps :

a) Signature Base String :

The signature base string is a consistent, reproducible concatenation of several of the HTTP request elements into a single string. The string is used as an input to the signature methods.

The signature base string includes the following components of the HTTP request:

• The HTTP request method (e.g., "GET", "POST", etc.).

• The authority as declared by the HTTP "Host" request header field.

• The path and query components of the request resource URI.

• he protocol parameters excluding the "oauth_signature".

The signature base string does not cover the entire HTTP request. Most notably, it does not include the entity-body in most requests, nor does it include most HTTP entity-headers.

The signature base string is constructed by concatenating together, in order, the following HTTP request elements:

1. The HTTP request method in uppercase. For example: "HEAD", "GET", "POST", etc. If the request uses a custom HTTP method, it MUST be encoded (Section 3.6).

2. An "&" character (ASCII code 38).

3. The base string URI from Section 3.4.1.2, after being encoded (Section 3.6).

4. An "&" character (ASCII code 38).

5. The request parameters as normalized in Section 3.4.1.3.2, after being encoded (Section 3.6).

Explained shortly below the example.

Example:

POST /oauth/token HTTP/1.1
Host: https://uk.openbankproject.com
Content-Type: application/x-www-form-urlencoded
Authorization: OAuth
oauth_consumer_key="91919",
oauth_token="OGESD9MrWQEGPXOyPjHCRrCw7BPelWJjnomibV6bePU",
oauth_signature_method="HMAC-SHA256",
oauth_timestamp="1340878170",
oauth_nonce="DFXOQFZVK8K46KDR11",
oauth_signature="bYT5CMsGcbgUdFHObYMEfcx6bsw%3D"

Is represented by the following signature base string (line breaks are for display purposes only):

POST&https%3A%2F%2Fhttps://uk.openbankproject.com&oauth_consumer_key%3D91919%26oauth_nonce%3DDFXOQFZVK8K46KDR11%26oauth_signature_method%3Dhmac-sha256%26oauth_timestamp%3D1340878170%26oauth_token%3DOGESD9MrWQEGPXOyPjHCRrCw7BPelWJjnomibV6bePU%26oauth_verifier%3DT0dXUDBZR09LUVlGTU9NSlhIUUc%26oauth_version%3D1

The request parameters normalization :

1. The name and value of each parameter are encoded Section 3.6.

2. The parameters are sorted by name, using ascending byte value ordering.

3. The name of each parameter is concatenated to its corresponding value using an "=" character (ASCII code 61) as a separator, even if the value is empty.

4. The sorted name/value pairs are concatenated together into a single string by using an "&" character (ASCII code 38) as separator.

B) Signing the request :

The Open Bank Project OAuth 1.0 implementation uses the “HMAC-SHA1” and “HMAC-SHA256” as signing methods. The key to sign the base string is the concatenation of the consumer secret and the token secret with the “&” character in the middle like this: oauth_consumer_secret&oauth_token_secret, in the first step the application does not have yet a token so it will be an empty string.

The signature that results from the signature process MUST be encoded in base 64 also since the protocol requires encoding all the OAuth parameters.

Illustration of integration with a bank back-end :

The following link shows how the integration of the OAuth process would be with a bank back-end: https://github.com/OpenBankProject/OBP-API/wiki/OAuth-Integration-Illustration

Note: OAuth2 is NOT allowed on this instance!

OAuth 2 is an authorization framework that enables applications to obtain limited access to user accounts on an HTTP service, in this case any OBP REST call. It works by delegating user authentication to the service that hosts the user account, and authorizing third-party applications to access the user account. OAuth 2 provides authorization flows for web and desktop applications, and mobile devices.

OAuth 2 Roles

• Resource Owner
• Client
• Resource Server
• Authorization Server

Resource Owner: User

The resource owner is the user who authorizes an application to access their account. The application's access to the user's account is limited to the "scope" of the authorization granted (e.g. openid).

Authorization Server: API

The authorization server verifies the identity of the user then issues access tokens to the application. E.g. MITREid Connect

Resource Server: API

The resource server hosts the protected user resources. E.g. OBP-API

Client: Application

The client is the application that wants to access the user's resource. In order to do that, it must be authorized by the user, and the authorization must be validated by the Authorization Server: API.

Authorization Grant

OAuth 2 defines four grant types, each of which is useful in different cases:

• Authorization Code: used with server-side Applications

• Implicit: used with Mobile Apps or Web Applications (applications that run on the user's device)

• Resource Owner Password Credentials: used with trusted Applications, such as those owned by the service itself

• Client Credentials: used with Applications API access

OBP-API supports at the moment only Authorization Code

Step 1: Get your App key

Sign up or login as a developer

Register your App key HERE

Copy and paste the CONSUMER_KEY, CONSUMER_SECRET and REDIRECT_URL for the subsequent steps below.

Step 2: Authorization Code Link

Using your favorite web browser request a URL like this one

OBP-00010: Missing props value at this API instance - oauth2_server_url/authorize?response_type=code&client_id=CONSUMER_KEY&redirect_uri=REDIRECT_URL&scope=openid

This assumes that that you are already logged in at the OAuth2 authentication server [OBP-00010: Missing props value at this API instance - oauth2_server_url](OBP-00010: Missing props value at this API instance - oauth2_server_url). Otherwise, you will be redirected to [OBP-00010: Missing props value at this API instance - oauth2_server_url/login](OBP-00010: Missing props value at this API instance - oauth2_server_url/login).
Please note that you use the same credentials as the sandbox https://uk.openbankproject.com to login to the OAuth2 authentication server.

Here is an explanation of the link components:

• OBP-00010: Missing props value at this API instance - oauth2_server_url/authorize: the API authorization endpoint

• client_id=CONSUMER_KEY: the application's client ID (how the API identifies the application)

• redirect_uri=REDIRECT_URL: where the service redirects the user-agent after an authorization code is granted

• response_type=code: specifies that your application is requesting an authorization code grant

• scope=openid: specifies the level of access that the application is requesting

Step 3: User Authorizes Application

Please authorize the application on the OAuth2 server web interface by clicking on "Authorize".

Step 4: Application Receives Authorization Code

If the user clicks "Authorize", the service redirects the user-agent to the application redirect URI, which was specified during the client registration, along with an authorization code.

REDIRECT_URL/&scope=openid/?code=AUTHORIZATION_CODE

The redirect would look something like this: https://YOUR-APPLICATION.com/&scope=openid/?code=h7jSgP

Step 5: Application Requests Access Token

The application requests an access token from the API, by passing the authorization code along with authentication details, including the client secret, to the API token endpoint.

POST OBP-00010: Missing props value at this API instance - oauth2_server_url/token?client_id=CONSUMER_KEY&client_secret=CONSUMER_SECRET&grant_type=authorization_code&code=AUTHORIZATION_CODE&redirect_uri=REDIRECT_URL

Step 6: Application Receives Access Token

If the authorization is valid, the API will send a response containing the access token to the application. The entire response will look something like this:

{
"access_token": "eyJraWQiOiJyc2ExIiwiYWxnIjoiUlMyNTYifQ.eyJzdWIiOiJhZG1pbiIsImF6cCI6ImNsaWVudCIsImlzcyI6Imh0dHA6XC9cL2xvY2FsaG9zdDo4MDgwXC9vcGVuaWQtY29ubmVjdC1zZXJ2ZXItd2ViYXBwXC8iLCJleHAiOjE1MTk1MDMxODAsImlhdCI6MTUxOTQ5OTU4MCwianRpIjoiMmFmZjNhNGMtZjY5Zi00ZWM1LWE2MzEtYWUzMGYyYzQ4MjZiIn0.NwlK2EJKutaybB4YyEhuwb231ZNkD-BEwhScadcWWn8PFftjVyjqjD5_BwSiWHHa_QaESNPdZugAnF4I2DxtXmpir_x2fB2ch888AzXw6CgTT482I16m1jpL-2iSlQk1D-ZW6fJ2Qemdi3x2V13Xgt9PBvk5CsUukJ8SSqTPbSNNER9Nq2dlS-qQfg61TzhPkuuXDlmCQ3b8QHgUf6UnCfee1jRaohHQoCvJJJubmUI3dY0Df1ynTodTTZm4J1TV6Wp6ZhsPkQVmdBAUsE5kIFqADaE179lldh86-97bVHGU5a4aTYRRKoTPDltt1NvY5XJrjLCgZH8AEW7mOHz9mw",
"token_type": "Bearer",
"expires_in": 3599,
"scope": "openid"
}

Step 7: Try a REST call using the header

Using your favorite http client:

GET https://uk.openbankproject.com/obp/v3.0.0/users/current

Body

Leave Empty!

Headers:

Authorization: Bearer ACCESS_TOKEN

Here is it all together:

GET /obp/v3.0.0/users/current HTTP/1.1 Host: https://uk.openbankproject.com User-Agent: curl/7.47.0 Accept: / Authorization: Bearer "eyJraWQiOiJyc2ExIiwiYWxnIjoiUlMyNTYifQ.eyJzdWIiOiJhZG1pbiIsImF6cCI6ImNsaWVudCIsImlzcyI6Imh0dHA6XC9cL2xvY2FsaG9zdDo4MDgwXC9vcGVuaWQtY29ubmVjdC1zZXJ2ZXItd2ViYXBwXC8iLCJleHAiOjE1MTk1MDMxODAsImlhdCI6MTUxOTQ5OTU4MCwianRpIjoiMmFmZjNhNGMtZjY5Zi00ZWM1LWE2MzEtYWUzMGYyYzQ4MjZiIn0.NwlK2EJKutaybB4YyEhuwb231ZNkD-BEwhScadcWWn8PFftjVyjqjD5_BwSiWHHa_QaESNPdZugAnF4I2DxtXmpir_x2fB2ch888AzXw6CgTT482I16m1jpL-2iSlQk1D-ZW6fJ2Qemdi3x2V13Xgt9PBvk5CsUukJ8SSqTPbSNNER9Nq2dlS-qQfg61TzhPkuuXDlmCQ3b8QHgUf6UnCfee1jRaohHQoCvJJJubmUI3dY0Df1ynTodTTZm4J1TV6Wp6ZhsPkQVmdBAUsE5kIFqADaE179lldh86-97bVHGU5a4aTYRRKoTPDltt1NvY5XJrjLCgZH8AEW7mOHz9mw"

CURL example:

curl -v -H 'Authorization: Bearer eyJraWQiOiJyc2ExIiwiYWxnIjoiUlMyNTYifQ.eyJzdWIiOiJhZG1pbiIsImF6cCI6ImNsaWVudCIsImlzcyI6Imh0dHA6XC9cL2xvY2FsaG9zdDo4MDgwXC9vcGVuaWQtY29ubmVjdC1zZXJ2ZXItd2ViYXBwXC8iLCJleHAiOjE1MTk1MDMxODAsImlhdCI6MTUxOTQ5OTU4MCwianRpIjoiMmFmZjNhNGMtZjY5Zi00ZWM1LWE2MzEtYWUzMGYyYzQ4MjZiIn0.NwlK2EJKutaybB4YyEhuwb231ZNkD-BEwhScadcWWn8PFftjVyjqjD5_BwSiWHHa_QaESNPdZugAnF4I2DxtXmpir_x2fB2ch888AzXw6CgTT482I16m1jpL-2iSlQk1D-ZW6fJ2Qemdi3x2V13Xgt9PBvk5CsUukJ8SSqTPbSNNER9Nq2dlS-qQfg61TzhPkuuXDlmCQ3b8QHgUf6UnCfee1jRaohHQoCvJJJubmUI3dY0Df1ynTodTTZm4J1TV6Wp6ZhsPkQVmdBAUsE5kIFqADaE179lldh86-97bVHGU5a4aTYRRKoTPDltt1NvY5XJrjLCgZH8AEW7mOHz9mw' https://uk.openbankproject.com/obp/v3.0.0/users/current

Note: OAuth2 is NOT allowed on this instance!

OpenID Connect with Google

Introduction

Google's OAuth 2.0 APIs can be used for both authentication and authorization. This document describes our OAuth 2.0 implementation for authentication, which conforms to the OpenID Connect specification, and is OpenID Certified.
For complete documentation please refer to the official doc's page: OpenID Connect

Obtain OAuth 2.0 credentials

Please refer to the official doc's page: OpenID Connect
In case you use Google's OAuth 2.0 Playground
example of an response is shown below:
{
"access_token": "ya29.a0Adw1xeVr_WAYaipiH_6QKCFjIFsnZxW7kbxA8a2RU_uy5meEufErwPDLSHMga8IEQghNSX2GbkOfZUQb6j_fMGHL_HaW3RoULZq5AayUdEjI9bC4TMe-Nd4cZR17C0Rg3GLNzuHTXXe05UyMmNODZ6Up0aXZBBTHl-4",
"id_token": "eyJhbGciOiJSUzI1NiIsImtpZCI6ImE1NDFkNmVmMDIyZDc3YTIzMThmN2RkNjU3ZjI3NzkzMjAzYmVkNGEiLCJ0eXAiOiJKV1QifQ.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.LgwY-OhltYS2p91l2Lt4u5lUR5blR7L8097J0ZpK0GyxWxOlnhSouk9MRMmyfSGuYfWKBtdSUy3Esaphk2f7wpLS-wBx3KJpvrXhgbsyemt9s7eu5bAdHaCteO8MqHPjbU9tych8iH0tA1MSL_tVZ73hy56rS2irzIC33wYDoBf8C5nEOd2uzQ758ydK5QvvdFwRgkLhKDS8vq2qVJTWgtk9VVd5JwJ5OfiVimXfGUzNJmGreEJKj14iUj-78REybpUbI9mGevRhjLPhs51Uc9j-SsdRMymVbVhVxlbsWAPTpjLAJnOodeHzAvmKFkOUfahQHHctx4fl8V3PVYf1aA",
"expires_in": 3599,
"token_type": "Bearer",
"scope": "https://www.googleapis.com/auth/userinfo.profile https://www.googleapis.com/auth/userinfo.email openid",
"refresh_token": "1//04w7RCdl9ZnG-CgYIARAAGAQSNwF-L9IrNZVxs6fliP7xAlHjKcZpfpw7JoYyBsvxKMD7n0xyB74G8aRlFoBkkCbloETrWMU6yOA"
}
Note: The OAuth Playground will automatically revoke refresh tokens after 24h. You can avoid this by specifying your own application OAuth credentials using the Configuration panel.

An ID token's payload

	{
	"iss": "https://accounts.google.com",
	"azp": "407408718192.apps.googleusercontent.com",
	"aud": "407408718192.apps.googleusercontent.com",
	"sub": "113966854245780892959",
	"email": "marko.milic.srbija@gmail.com",
	"email_verified": true,
	"at_hash": "nGKRToKNnVA28H6MhwXBxw",
	"name": "Marko Milić",
	"picture": "https://lh5.googleusercontent.com/-Xd44hnJ6TDo/AAAAAAAAAAI/AAAAAAAAAAA/AKxrwcadwzhm4N4tWk5E8Avxi-ZK6ks4qg/s96-c/photo.jpg",
	"given_name": "Marko",
	"family_name": "Milić",
	"locale": "en",
	"iat": 1547705691,
	"exp": 1547709291
	}

Try a REST call using the authorization's header

	Using your favorite http client:

	GET /obp/v3.0.0/users/current

Body

Leave Empty!

Headers:

	Authorization: Bearer ID_TOKEN

Here is it all together:

GET /obp/v3.0.0/users/current HTTP/1.1
	Host: https://uk.openbankproject.com
	Authorization: Authorization: Bearer eyJhbGciOiJSUzI1NiIsImtpZCI6IjA4ZDMyNDVjNjJmODZiNjM2MmFmY2JiZmZlMWQwNjk4MjZkZDFkYzEiLCJ0eXAiOiJKV1QifQ.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.MKsyecCSKS4Y0C8R4JP0J0d2Oa-xahvMAbtfFrGHncTm8xBgeaNb50XSJn20ak1YyA8hZiRP2M3el0f4eIVQZsMMa22MrwaiL8pLb1zGfawDLPb1RvOmoCWTDJGc_s1qQMlyc21Wenr9rjuu1bQCerGTYM6M0Aq-Uu_GT0lCEjz5WVDI5xDUf4Mhdi8HYq7UQ1kGz1gQFiBm5nI3_xtYm75EfXFeDg3TejaMmy36NpgtwN_vwpHByoHE5BoTl2J55rJ2creZZ7CmtZttm-9HsT6v1vxT8zi0RXObFrZSk-LgfF0tJQcGZ5LXQZL0yMKXPQVFIMCg8J0Gg7l_QACkCA
	Cache-Control: no-cache

CURL example:

	curl -X GET
	https://uk.openbankproject.com/obp/v3.0.0/users/current
	-H 'Authorization: Authorization: Bearer eyJhbGciOiJSUzI1NiIsImtpZCI6IjA4ZDMyNDVjNjJmODZiNjM2MmFmY2JiZmZlMWQwNjk4MjZkZDFkYzEiLCJ0eXAiOiJKV1QifQ.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.MKsyecCSKS4Y0C8R4JP0J0d2Oa-xahvMAbtfFrGHncTm8xBgeaNb50XSJn20ak1YyA8hZiRP2M3el0f4eIVQZsMMa22MrwaiL8pLb1zGfawDLPb1RvOmoCWTDJGc_s1qQMlyc21Wenr9rjuu1bQCerGTYM6M0Aq-Uu_GT0lCEjz5WVDI5xDUf4Mhdi8HYq7UQ1kGz1gQFiBm5nI3_xtYm75EfXFeDg3TejaMmy36NpgtwN_vwpHByoHE5BoTl2J55rJ2creZZ7CmtZttm-9HsT6v1vxT8zi0RXObFrZSk-LgfF0tJQcGZ5LXQZL0yMKXPQVFIMCg8J0Gg7l_QACkCA'
	-H 'Cache-Control: no-cache'
	-H 'Postman-Token: aa812d04-eddd-4752-adb7-4d56b3a98f36'

And we get the response:

	{
		"user_id": "6d411bce-50c1-4eb8-b8b0-3953e4211773",
		"email": "marko.milic.srbija@gmail.com",
		"provider_id": "113966854245780892959",
		"provider": "https://accounts.google.com",
		"username": "Marko Milić",
		"entitlements": {
		"list": []
	}
	}

SCA is the process by which a Customer of the Bank securely identifies him/her self to the Bank.

Generally this involves using an Out Of Band (OOB) form of communication e.g. a One Time Password (OTP) / code sent to a mobile phone.

In the OBP APIs, SCA is invoked during Transaction Requests and Consent creation.

See the following endpoints:

Create Consent via SMS
Create Consent via Email (for testing purposes)
Answer Consent Challenge

Create Transaction Request
Answer Transaction Request Challenge

Possible SCA flows:

1) Create a user

Action:

POST https://uk.openbankproject.com/obp/v4.0.0/users

Body:

{  "email":"ellie@example.com",  "username":"ellie",  "password":"P@55w0RD123",  "first_name":"Ellie",  "last_name":"Williams"}

Headers:

Content-Type:  application/json

Authorization: DirectLogin token="your-token-from-direct-login"

Please note the user_id

2) Create customer

Requires CanCreateCustomer and CanCreateUserCustomerLink roles

Action:

POST https://uk.openbankproject.com/obp/v4.0.0/banks/BANK_ID/customers

Body:

{  "legal_name":"Eveline Tripman",  "mobile_phone_number":"+44 07972 444 876",  "email":"eveline@example.com",  "face_image":{    "url":"www.openbankproject",    "date":"2017-09-19T00:00:00Z"  },  "date_of_birth":"2017-09-19T00:00:00Z",  "relationship_status":"single",  "dependants":10,  "dob_of_dependants":["2017-09-19T00:00:00Z"],  "credit_rating":{    "rating":"OBP",    "source":"OBP"  },  "credit_limit":{    "currency":"EUR",    "amount":"10"  },  "highest_education_attained":"Master",  "employment_status":"worker",  "kyc_status":true,  "last_ok_date":"2017-09-19T00:00:00Z",  "title":"Dr.",  "branch_id":"DERBY6",  "name_suffix":"Sr"}

Headers:

Content-Type:  application/json

Authorization: DirectLogin token="your-token-from-direct-login"

3) List customers for the user

Action:

GET https://uk.openbankproject.com/obp/v4.0.0/users/current/customers

Body:

Leave empty!

Headers:

Content-Type:  application/json

Authorization: DirectLogin token="your-token-from-direct-login"

4) Create user customer link

Requires CanCreateCustomer and CanCreateUserCustomerLink roles

Action:

POST https://uk.openbankproject.com/obp/v4.0.0/banks/BANK_ID/user_customer_links

Body:

{ "user_customer_link_id":"String", "customer_id":"customer-id-from-step-2", "user_id":"user-id-from-step-1", "date_inserted":"2018-03-22T00:08:00Z", "is_active":true }

Headers:

Content-Type:  application/json

Authorization: DirectLogin token="your-token-from-direct-login"

5) Create account

Requires CanCreateAccount role

Action:

PUT https://uk.openbankproject.com/obp/v4.0.0/banks/BANK_ID/accounts/ACCOUNT_ID

Body:

{  "user_id":"userid-from-step-1",  "label":"My Account",  "product_code":"AC",  "balance":{    "currency":"EUR",    "amount":"10"  },  "branch_id":"DERBY6",  "account_routing":{    "scheme":"AccountNumber",    "address":"4930396"  },  "account_attributes":[{    "product_code":"saving1",    "account_attribute_id":"613c83ea-80f9-4560-8404-b9cd4ec42a7f",    "name":"OVERDRAFT_START_DATE",    "type":"DATE_WITH_DAY",    "value":"2012-04-23"  }]}

Headers:

Content-Type:  application/json

Authorization: DirectLogin token="your-token-from-direct-login"

6) List accounts

Action:

GET https://uk.openbankproject.com/obp/v4.0.0/my/banks/BANK_ID/accounts/account-id-from-step-5/account

Body:

Leave empty!

Headers:

Content-Type:  application/json

Authorization: DirectLogin token="your-token-from-direct-login"

7) Create card

Requires CanCreateCardsForBank role

Action:

POST https://uk.openbankproject.com/obp/v4.0.0/management/banks/BANK_ID/cards

Body:

{ "card_number":"364435172576215", "card_type":"Credit", "name_on_card":"SusanSmith", "issue_number":"1", "serial_number":"1324234", "valid_from_date":"2017-09-19T00:00:00Z", "expires_date":"2017-09-19T00:00:00Z", "enabled":true, "technology":"technology1", "networks":["network1","network2"], "allows":["credit","debit"], "account_id":"account_id from step 5", "replacement":{ "requested_date":"2017-09-19T00:00:00Z", "reason_requested":"RENEW" }, "pin_reset":[{ "requested_date":"2017-09-19T00:00:00Z", "reason_requested":"FORGOT" },{ "requested_date":"2020-01-18T16:39:23Z", "reason_requested":"GOOD_SECURITY_PRACTICE" }], "collected":"2017-09-19T00:00:00Z", "posted":"2017-09-19T00:00:00Z", "customer_id":"customer_id from step 2"}

Headers:

Content-Type:  application/json

Authorization: DirectLogin token="your-token-from-direct0login"

8) List cards

Action:

GET https://uk.openbankproject.com/obp/v3.0.0/cards

Body:

Leave empty!

Headers:

Content-Type:  application/json

Authorization: DirectLogin token="your-token-from-direct0login"

1) Create account

Create an account as described in Step 5 of section Onboarding a user

2) Create a view

Action:

POST https://uk.openbankproject.com/obp/v3.0.0/banks/BANK_ID/accounts/your-account-id-from-step-1/views

Body:

{ "name":"_test", "description":"This view is for family", "metadata_view":"_test", "is_public":true, "which_alias_to_use":"family", "hide_metadata_if_alias_used":false, "allowed_actions":["can_see_transaction_this_bank_account","can_see_transaction_other_bank_account","can_see_transaction_metadata","can_see_transaction_label","can_see_transaction_amount","can_see_transaction_type","can_see_transaction_currency","can_see_transaction_start_date","can_see_transaction_finish_date","can_see_transaction_balance","can_see_comments","can_see_narrative","can_see_tags","can_see_images","can_see_bank_account_owners","can_see_bank_account_type","can_see_bank_account_balance","can_see_bank_account_currency","can_see_bank_account_label","can_see_bank_account_national_identifier","can_see_bank_account_swift_bic","can_see_bank_account_iban","can_see_bank_account_number","can_see_bank_account_bank_name","can_see_other_account_national_identifier","can_see_other_account_swift_bic","can_see_other_account_iban","can_see_other_account_bank_name","can_see_other_account_number","can_see_other_account_metadata","can_see_other_account_kind","can_see_more_info","can_see_url","can_see_image_url","can_see_open_corporates_url","can_see_corporate_location","can_see_physical_location","can_see_public_alias","can_see_private_alias","can_add_more_info","can_add_url","can_add_image_url","can_add_open_corporates_url","can_add_corporate_location","can_add_physical_location","can_add_public_alias","can_add_private_alias","can_delete_corporate_location","can_delete_physical_location","can_edit_narrative","can_add_comment","can_delete_comment","can_add_tag","can_delete_tag","can_add_image","can_delete_image","can_add_where_tag","can_see_where_tag","can_delete_where_tag","can_create_counterparty","can_see_bank_routing_scheme","can_see_bank_routing_address","can_see_bank_account_routing_scheme","can_see_bank_account_routing_address","can_see_other_bank_routing_scheme","can_see_other_bank_routing_address","can_see_other_account_routing_scheme","can_see_other_account_routing_address","can_query_available_funds","can_add_transaction_request_to_own_account","can_add_transaction_request_to_any_account","can_see_bank_account_credit_limit","can_create_direct_debit","can_create_standing_order"]} |
Headers:

Content-Type:  application/json

Authorization: DirectLogin token="your-token"

3) Grant user access to view

Action:

POST https://uk.openbankproject.com/obp/v3.0.0/banks/BANK_ID/accounts/your-account-id-from-step-1/permissions/PROVIDER/PROVIDER_ID/views/view-id-from-step-2

Body:

{  "json_string":"{}"}

Headers:

Content-Type:  application/json

Authorization: DirectLogin token="your-token"

1) Create counterparty

Action:

POST https://uk.openbankproject.com/obp/v4.0.0/banks/BANK_ID/accounts/account-id-from-account-creation/VIEW_ID/counterparties

Body:

{ "name":"CounterpartyName", "description":"My landlord", "other_account_routing_scheme":"accountNumber", "other_account_routing_address":"7987987-2348987-234234", "other_account_secondary_routing_scheme":"IBAN", "other_account_secondary_routing_address":"DE89370400440532013000", "other_bank_routing_scheme":"bankCode", "other_bank_routing_address":"10", "other_branch_routing_scheme":"branchNumber", "other_branch_routing_address":"10010", "is_beneficiary":true, "bespoke":[{ "key":"englishName", "value":"english Name" }]} |
Headers:

Content-Type:  application/json

Authorization: DirectLogin token="your-token"

2) Make payment by SEPA

Action:

POST https://uk.openbankproject.com/obp/v4.0.0/banks/BANK_ID/accounts/ACCOUNT_ID/VIEW_ID/transaction-request-types/SEPA/transaction-requests

Body:

{  "value":{    "currency":"EUR",    "amount":"10"  },  "to":{    "iban":"123"  },  "description":"This is a SEPA Transaction Request",  "charge_policy":"SHARED"}

Headers:

Content-Type:  application/json

Authorization: DirectLogin token="your-token"        |

3) Make payment by COUNTERPARTY

Action:

POST https://uk.openbankproject.com/obp/v4.0.0/banks/BANK_ID/accounts/ACCOUNT_ID/VIEW_ID/transaction-request-types/COUNTERPARTY/transaction-requests

Body:

{  "to":{    "counterparty_id":"counterparty-id-from-step-1"  },  "value":{    "currency":"EUR",    "amount":"10"  },  "description":"A description for the transaction to the counterparty",  "charge_policy":"SHARED"}

Headers:

Content-Type:  application/json

Authorization: DirectLogin token="your-token"

1) Create account

Create an account as described in Step 5 of section Onboarding a user

2) Create a view (private)

Action:

POST https://uk.openbankproject.com/obp/v4.0.0/banks/BANK_ID/accounts/your-account-id-from-step-1/views

Body:

{  "name":"_test", "description":"good", "is_public":false, "which_alias_to_use":"accountant", "hide_metadata_if_alias_used":false,  "allowed_actions": ["can_see_transaction_this_bank_account", "can_see_transaction_other_bank_account", "can_see_transaction_metadata", "can_see_transaction_label", "can_see_transaction_amount", "can_see_transaction_type", "can_see_transaction_currency", "can_see_transaction_start_date", "can_see_transaction_finish_date", "can_see_transaction_balance", "can_see_comments", "can_see_narrative", "can_see_tags", "can_see_images", "can_see_bank_account_owners", "can_see_bank_account_type", "can_see_bank_account_balance", "can_see_bank_account_currency", "can_see_bank_account_label", "can_see_bank_account_national_identifier", "can_see_bank_account_swift_bic", "can_see_bank_account_iban", "can_see_bank_account_number", "can_see_bank_account_bank_name", "can_see_other_account_national_identifier", "can_see_other_account_swift_bic", "can_see_other_account_iban", "can_see_other_account_bank_name", "can_see_other_account_number", "can_see_other_account_metadata", "can_see_other_account_kind", "can_see_more_info", "can_see_url", "can_see_image_url", "can_see_open_corporates_url", "can_see_corporate_location", "can_see_physical_location", "can_see_public_alias", "can_see_private_alias", "can_add_more_info", "can_add_url", "can_add_image_url", "can_add_open_corporates_url", "can_add_corporate_location", "can_add_physical_location", "can_add_public_alias", "can_add_private_alias", "can_delete_corporate_location", "can_delete_physical_location", "can_edit_narrative", "can_add_comment", "can_delete_comment", "can_add_tag", "can_delete_tag", "can_add_image", "can_delete_image", "can_add_where_tag", "can_see_where_tag", "can_delete_where_tag", "can_create_counterparty", "can_see_bank_routing_scheme", "can_see_bank_routing_address", "can_see_bank_account_routing_scheme", "can_see_bank_account_routing_address", "can_see_other_bank_routing_scheme", "can_see_other_bank_routing_address", "can_see_other_account_routing_scheme", "can_see_other_account_routing_address"]}

Headers:

Content-Type:  application/json

Authorization: DirectLogin token="your-token"

3) Get User (Current)

Action:

GET https://uk.openbankproject.com/obp/v4.0.0/users/current

Headers:

Content-Type:  application/json

Authorization: DirectLogin token="your-token"

4) Grant user access to himself

Action:

POST https://uk.openbankproject.com/obp/v4.0.0/banks/BANK_ID/accounts/your-account-id-from-step-1/account-access/grant 

Body:

{  "user_id":"your-user-id-from-step3",  "view":{    "view_id":"_test",    "is_system":false  }}

Headers:

Content-Type:  application/json

Authorization: DirectLogin token="your-token"			

5) Grant user access to view to another user

Action:

POST https://uk.openbankproject.com/obp/v4.0.0/banks/BANK_ID/accounts/your-account-id-from-step-1/account-access/grant 

Body:

{  "user_id":"another-user-id",  "view":{    "view_id":"_test",    "is_system":false  }}

Headers:

Content-Type:  application/json

Authorization: DirectLogin token="your-token"

1) Create a user

Action:

POST https://uk.openbankproject.com/obp/v3.0.0/users

Body:

{  "email":"ellie@example.com",  "username":"ellie",  "password":"P@55w0RD123",  "first_name":"Ellie",  "last_name":"Williams"}

Headers:

Content-Type:  application/json

Authorization: DirectLogin token="your-token-from-direct-login"

Please note the user_id

2) Create User Auth Context

These key value pairs will be propagated over connector to adapter and to bank. So the bank can use these key value paris
to map obp user to real bank customer.

Action:

POST https://uk.openbankproject.com/obp/obp/v4.0.0/users/USER_ID/auth-context

Body:

{  "key":"CUSTOMER_NUMBER",  "value":"78987432"}

Headers:

Content-Type:  application/json

Authorization: DirectLogin token="your-token-from-direct-login"

3) Create customer

Requires CanCreateCustomer or canCreateCustomerAtAnyBank roles

Action:

POST https://uk.openbankproject.com/obp/v3.1.0/banks/BANK_ID/customers

Body:

{  "user_id":"user-id-from-step-1", "customer_number":"687687678", "legal_name":"NONE",  "mobile_phone_number":"+44 07972 444 876", "email":"person@example.com", "face_image":{    "url":"www.openbankproject",    "date":"2013-01-22T00:08:00Z"  },  "date_of_birth":"2013-01-22T00:08:00Z",  "relationship_status":"Single",  "dependants":5,  "dob_of_dependants":["2013-01-22T00:08:00Z"],  "credit_rating":{    "rating":"OBP",    "source":"OBP"  },  "credit_limit":{    "currency":"EUR",    "amount":"10"  },  "highest_education_attained":"Bachelor’s Degree",  "employment_status":"Employed",  "kyc_status":true,  "last_ok_date":"2013-01-22T00:08:00Z"}

Headers:

Content-Type:  application/json

Authorization: DirectLogin token="your-token-from-direct-login"

4) Get Customers for Current User

Action:

GET https://uk.openbankproject.com/obp/v3.0.0/users/current/customers

Body:

Leave empty!

Headers:

Content-Type:  application/json

Authorization: DirectLogin token="your-token-from-direct-login"

Attribute name

Example value: SPECIAL_TAX_NUMBER

Attribute type.

Example value: STRING

Records of successful movements of money from / to an Account. OBP Transactions don't contain any "draft" or "pending" Transactions. (see Transaction Requests). Transactions contain infomration including type, description, from, to, currency, amount and new balance information.

Transaction Requests are records of transaction / payment requests coming to the API. They may or may not result in Transactions (following authorisation, security challenges and sufficient funds etc.)

A successful Transaction Request results in a Transaction.

For more information see here

The Transaction Request Type defines the request body that is required - and the logic / flow of the Transaction Request. Allowed values include SEPA, COUNTERPARTY and SANDBOX_TAN.

Example value: SEPA

Transaction attribute id

Example value: 7uy8a7e4-6d02-40e3-a129-0b2bf89de8uh

Transaction attribute name

Example value: HOUSE_RENT

Transaction attribute type.

Example value: DATE_WITH_DAY

Transaction attribute value.

Example value: 123456789

Example value:

A description or reference for the transaction

Example value: For the piano lesson in June 2018 - Invoice No: 68

The Transaction ID used in URLs. Used to store Metadata for the Transaction.

Example value: 2fg8a7e4-6d02-40e3-a129-0b2bf89de8ub

A code for the type of transaction

Example value: DEBIT

The entity that accesses the API with a login / authorisation token and has access to zero or more resources on the OBP API. The User is linked to the core banking user / customer at the South Side Adapter layer.

Link Users and Customers in a many to many relationship. A User can represent many Customers (e.g. the bank may have several Customer records for the same individual or a dependant). In this way Customers can easily be attached / detached from Users.

The name of the authentication service. e.g. the OBP hostname or kafka if users are authenticated over Kafka.

The id of the user given by the authentication provider.

A string that MUST uniquely identify the user on this OBP instance.

Example value: 9ca9a7e4-6d02-40e3-a129-0b2bf89de9b1

An identifier that MUST NOT leak the user name or other identifier nomrally used by the customer or bank staff. It SHOULD be a UUID and MUST be unique on the OBP instance.

Example value: 9ca9a7e4-6d02-40e3-a129-0b2bf89de9b1

The username the user uses to authenticate.

Example value: felixsmith

A description for this view.

Example value: This view is for the owner for the account.

A viewId can be owner, accountant, public ....

Example value: owner

A viewName can be Owner, Accountant, Public ....

Example value: Owner