How to Create and Authorise a Confirmation of Funds Consent

Creation and Authorisation of a Confirmation of Funds Consent in Steps

This article gives an example of the creation and authorisation of a consent that allows a TPP to request confirmation of available funds on a single account of a PSU.

Learn more about the funds confirmation service How to Request Information about Available Funds.

In this example, the embedded SCA approach is used. Learn more about SCA approaches that are supported in XS2A Supported Authentication Methods.

Prerequisites

Your certificate must contain the PSP role = PSP_IC. 

Step 1 - Consent creation

In this step, a request to create a consent with consent data is sent to XS2A.

XS2A validates the role from the certificate, PSU-ID, and request syntax. If all the validations have been completed successfully, XS2A returns a consentId.

It means that a consent resource has been created and must be authorised by PSU.

The created consent resource will be accessible under the given consentId during 30 minutes from the moment of creation. Authorisation of given consent must be completed within this time.

If a consent is not authorised and its validity time is over, access to this resource will be canceled, and the consent creation flow will be terminated.

Flow

• Go to /v2/consents/confirmation-of-funds

  • See OpenAPI XS2A Reference

• Fill in mandatory data

• Fill in consent data according to the consent model

• Execute the request.

• The response should have the HTTP status code: 201 - Created

  • For examples of the response payload, see XS2A OpenAPI Reference

Step 2 - Consent authorisation initiation

In this step, consent authorisation is initiated.

XS2A validates the role from the certificate, consentId, and request syntax. If all the validations have been completed successfully, XS2A returns an authorisationId inside the updatePsuAuthentication link.

It means that an authorisation sub-resource has been created for given consentId.

The created authorisation sub-resource will be accessible under the given authorisationId during 30 minutes from the moment of creation. Authorisation of given consent must be completed within this time.

If a consent is not authorised and its validity time is over, access to this resource will be canceled, and the consent creation flow will be terminated.

Flow

• Go to /v2/consents/confirmation-of-funds/{consentId}/authorisations or follow the startAuthorisation link from the response in Step 1.

  • See OpenAPI XS2A Reference

• Fill in mandatory data

• Execute the request.

• The response should have the HTTP status code: 201 - Created

  • For examples of the response payload, see XS2A OpenAPI Reference

Step 3 - Provide PSU password

In this step, PSU password must be provided.

Please, use the correspondent password from (OLD) Sandbox Test Accounts and Test Data.

Flow

• Go to /v2/consents/confirmation-of-funds/{consentId}/authorisations/{authorisationId} or follow the updatePsuAuthentication link from the response in Step 2.

  • See OpenAPI XS2A Reference

• Fill in mandatory data

• Fill in the body of psuData

• Execute the request.

• The response should have the HTTP status code: 200 - Ok

  • For examples of the response payload, see XS2A OpenAPI Reference

Step 4 - Select the SCA method

PSU was authenticated successfully with its PSU-ID and password in the previous step, and now XS2A offers a selection of authentication methods.

An authentication method is a format of the 2nd factor that must be provided by PSU in order to complete the authorisation of a consent.

To trigger Decoupled SCA please use authenticationMethodId where authenticationType =  PUSH_OTP in the response in Step 3.

Flow

• Go to /v2/consents/confirmation-of-funds/{consentId}/authorisations/{authorisationId} or follow the selectAuthenticationMethod link from the response in Step 3.

  • See OpenAPI XS2A Reference

• Fill in mandatory data

• Fill in the body of authenticationMethodId

• Execute the request.

• The response should have the HTTP status code: 200 - Ok

  • For examples of the response payload, see XS2A OpenAPI Reference

Step 5 - Provide 2nd factor

This is the final step where PSU completes consent authorisation by providing the 2nd factor.

In real-life operations, a Bank will generate and send the 2nd factor to PSU.

In the Sandbox the behaviour of a bank is simulated: XS2A doesn't generate and sent any 2nd factors but offers a default format of authentication data. Please see (OLD) Sandbox Test Accounts and Test Data.

Flow

• Go to /v2/consents/confirmation-of-funds/{consentId}/authorisations/{authorisationId} or follow the authoriseTransaction link from the response in Step 4.

  • See OpenAPI XS2A Reference

• Fill in mandatory attributes

• Fill in the body of scaAuthenticationData according to the authentication method selected in the previous step. Please see (OLD) Sandbox Test Accounts and Test Data.

• The response should have the HTTP status code: 200 - Ok

  • For examples of the response payload, see XS2A OpenAPI Reference