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  • All elements in the Initiation payload that are specified by the PISP must not be changed via the ASPSP (Bank), as this is part of formal consent from the user/customer.

  • If the ASPSP (Bank) is able to establish a problem with payload or any contextual error during the API call, the ASPSP (Bank) must reject the domestic-future-dated-payment-consents consent request immediately.

  • If the ASPSP (Bank) establishes a problem with the domestic-future-dated-payment-consents after the API call, the ASPSP (Bank) must set the Status of the domestic-future-dated-payment-consents resource to Rejected.

  • DebtorAccount is optional as the PISP may not know the account identification details for the user/customer.

  • If the DebtorAccount is specified by the PISP and is invalid for the user/customer, then the domestic-future-dated-payment-consents will be set to Rejected after user/customer authentication. Account Identification field usage:

    • Where the "BH.OBF.IBAN" is specified as the SchemeName in the Account identification Identification section (either DebtorAccount or CreditorAccount), the Identification field must be populated with the full IBAN

    • Where the “BH.OBF.PAN” is specified as the SchemeName in the Account identification section (either DebtorAccount or CreditorAccount), the identification field must be populated with the full Primary Account Number - identifier scheme used to identify a card account

    • Neither the InstructionIdentification nor EndToEndIdentification will be used as the domestic-payment-consent consents resource identifier (ConsentId) as the ConsentId must be uniquely generated by the ASPSP (Bank).

  • Permission field is restricted to "Create", however, may be extended to "Update" for cancellation of Single Future Dated Domestic Payment

  • LocalInstrument is the requested payment scheme for execution. This is a free-text field.

  • RequestedExecutionDateTime allows a PISP to specify the date for an ASPSP (Bank) to execute the Domestic Future Dated Payment

...

Name

Occurrence

XPath

Definition

Class/ Datatype

Codes

Pattern

OBDomesticFutureDatedInitiation

 

OBDomesticFutureDatedInitiation

The Initiation payload is sent by the initiating party to the ASPSP (Bank). It is used to request movement of funds from the debtor account to a creditor for a Single Future Dated Domestic Payment.

OBDomesticFutureDatedInitiation

 

 

InstructionIdentification

1..1

OBDomesticFutureDatedInitiation/InstructionIdentification

Unique identification as assigned by an instructing party for an instructed party to unambiguously identify the instruction. Usage: the instruction identification is a point to point reference that can be used between the instructing party and the instructed party to refer to the individual instruction. It can be included in several messages related to the instruction.

String

 

 

EndToEndIdentification

0..1

OBDomesticFutureDatedInitiation/EndToEndIdentification

Unique identification assigned by the initiating party to unambiguously identify the transaction. This identification is passed on, unchanged, throughout the entire end-to-end chain. Usage: The end-to-end identification can be used for reconciliation or to link tasks relating to the transaction. It can be included in several messages related to the transaction.

String

 

 

LocalInstrument 

01..1

OBDomesticFutureDatedInitiation/LocalInstrument

User community specific instrument. Usage: This element is used to specify a local instrument, local clearing option and/or further qualify the service or service level.

String

Enum:

  • BH.OBF.DNS

  • BH.OBF.NRT

  • BH.OBF. BIL

 

RequestedExecutionDateTime

1..1

OBDomesticFutureDatedInitiation/RequestedExecutionDateTime

Date at which the initiating party requests the clearing agent to process the payment. Usage: This is the date on which the debtor's account is to be debited.

DateTime

 

 

InstructedAmount

1..1

OBDomesticFutureDatedInitiation/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.

OBDomesticFutureDatedInitiation/InstructedAmount

 

 

Amount

1..1

OBDomesticFutureDatedInitiation/InstructedAmount/Amount

A number of monetary units specified in an active currency where the unit of currency is explicit and compliant with ISO 4217.

String

 

^\d{1,13}$|^\d{1,13}.\d{1,5}$

Currency

1..1

OBDomesticFutureDatedInitiation/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".

String

 

^[A-Z]{3,3}$

DebtorAccount

0..1

OBDomesticFutureDatedInitiation/DebtorAccount

Unambiguous identification of the account of the debtor to which a debit entry will be made as a result of the transaction.

OBDomesticFutureDatedInitiation/DebtorAccount

 

 

SchemeName 

1..1

OBDomesticFutureDatedInitiation/DebtorAccount/SchemeName

Name of the identification scheme, in a coded form as published in an external list.

String

 Enum:

  • BH.OBF.IBAN

  • BH.OBF.PAN

 

Identification

1..1

OBDomesticFutureDatedInitiation/DebtorAccount/Identification

Identification assigned by an institution to identify an account. This identification is known by the account owner.

String

 

 

Name

0..1

OBDomesticFutureDatedInitiation/DebtorAccount/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 (Bank’s) online channels. Note, the account name is not the product name or the nickname of the account.

String

 

 

CreditorAccount

1..1

OBDomesticFutureDatedInitiation/CreditorAccount

Unambiguous identification of the account of the creditor to which a credit entry will be posted as a result of the payment transaction.

OBDomesticFutureDatedInitiation/CreditorAccount

 

 

SchemeName

1..1

OBDomesticFutureDatedInitiation/CreditorAccount/SchemeName

Name of the identification scheme, in a coded form as published in an external list.

String

 Enum:

  • BH.OBF.IBAN

  • BH.OBF.PAN

 

Identification

1..1

OBDomesticFutureDatedInitiation/CreditorAccount/Identification

Identification assigned by an institution to identify an account. This identification is known by the account owner.

String

 

 

Name

1..1

OBDomesticFutureDatedInitiation/CreditorAccount/Name

The account name is the name or names of the account owner(s) represented at an account level. Note, the account name is not the product name or the nickname of the account.

String

 

 

CreditorPostalAddress

0..1

OBDomesticFutureDatedInitiation/CreditorPostalAddress

Information that locates and identifies a specific address, as defined by postal services.

OBPostalAddress

 

 

AddressType

0..1

OBDomesticFutureDatedInitiation/CreditorPostalAddress/AddressType

Identifies the nature of the postal address.

String

Enum:

  • Business

  • Correspondence

  • DeliveryTo

  • MailTo

  • POBox

  • Postal

  • Residential

  • Statement

 

Department

0..1

OBDomesticFutureDatedInitiation/CreditorPostalAddress/Department

Identification of a division of a large organisation or building.

String

 

 

SubDepartment

0..1

OBDomesticFutureDatedInitiation/CreditorPostalAddress/SubDepartment

Identification of a sub-division of a large organisation or building.

String

 

 

AddressLine

0..7

OBDomesticFutureDatedInitiation/CreditorPostalAddress/AddressLine

Information that locates and identifies a specific address, as defined by postal services, presented in free format text.

String

 

 

StreetName

0..1

OBDomesticFutureDatedInitiation/CreditorPostalAddress/StreetName

Name of a street or thoroughfare

String

 

 

BuildingNumber

0..1

OBDomesticFutureDatedInitiation/CreditorPostalAddress/BuildingNumber

Number that identifies the position of a building on a street

String

 

 

PostCode

0..1

OBDomesticFutureDatedInitiation/CreditorPostalAddress/PostCode

Identifier consisting of a group of letters and/or numbers that is added to a postal address to assist the sorting of mail

String

 

 

TownName

0..1

OBDomesticFutureDatedInitiation/CreditorPostalAddress/TownName

Name of a built-up area, with defined boundaries, and a local government

String

 

 

CountrySubDivision

0..1

OBDomesticFutureDatedInitiation/CreditorPostalAddress/CountrySubDivision

Identifies a subdivision of a country such as state, region, country

String

 

 

Country

0..1

OBDomesticFutureDatedInitiation/CreditorPostalAddress/Country

Nation with its own government

String

 

^[A-Z]{2,2}$

RemittanceInformation

0..1

OBDomesticFutureDatedInitiation/RemittanceInformation

Information supplied to enable the matching of an entry with the items that the transfer is intended to settle, such as commercial invoices in an accounts' receivable system.

OBDomesticFutureDatedInitiation/RemittanceInformation

 

 

RemittanceDescription

0..1

OBDomesticFutureDatedInitiation/RemittanceInformation/RemittanceDescription

Information supplied to enable the matching/reconciliation of an entry with the items that the payment is intended to settle, such as commercial invoices in an accounts' receivable system, in an unstructured form.

String

 

 

Reference

0..1

OBDomesticFutureDatedInitiation/RemittanceInformation/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.

String

 

 

SupplementaryData

0..1

OBDomesticFutureDatedInitiation/SupplementaryData

Additional information that can not be captured in the structured fields and/or any other specific block.

OBSupplementaryData

 

 

...

Name

Occurrence

XPath

Definition

Class/ Datatype

Codes

Pattern

OBWriteDomesticFutureDatedCancellationConsentResponse

 

OBWriteDomesticFutureDatedCancellationConsentResponse

 

OBWriteDomesticFutureDatedCancellationConsentResponse

 

 

Data

1..1

OBWriteDomesticFutureDatedCancellationConsentResponse/Data

 

OBWriteDomesticFutureDatedCancellationConsentResponse/Data

 

 

ConsentId

1..1

OBWriteDomesticFutureDatedCancellationConsentResponse/Data/ConsentId

OB: Unique identification as assigned by the ASPSP (Bank) to uniquely identify the consent resource

String

 

 

Permission

1..1

OBWriteDomesticFutureDatedCancellationConsentResponse/Data/Permission

Specifies the Open Banking service request types

String

Enum:

  • Update

 

DomesticFutureDatedPaymentId

 

1..1

OBWriteDomesticFutureDatedCancellationConsentResponse/Data/DomesticFutureDatedPaymentId

Unique identification as assigned by the ASPSP (Bank) to uniquely identify the domestic schedule payment resource

 

String

 

 

ExpectedExecutionDateTime

0..1

OBWriteDomesticFutureDatedCancellationConsentResponse/Data/ExpectedExecutionDateTime

Expected execution date and time for the payment resource

DateTime

 

 

ExpectedSettlementDateTime

0..1

OBWriteDomesticFutureDatedCancellationConsentResponse/Data/ExpectedSettlementDateTime

Expected settlement date and time for the payment resource

DateTime

 

 

Charges

0..n

OBWriteDomesticFutureDatedCancellationConsentResponse/Data/Charges

Set of elements used to provide details of a charge for the payment initiation

OBCharge

 

 

ChargeBearer

1..1

OBWriteDomesticFutureDatedCancellationConsentResponse/Data/Charges/ChargeBearer

Specifies which party/parties will bear the charges associated with the processing of the payment transaction.

String

Enum:

  • BorneByCreditor

  • BorneByDebtor

  • FollowingServiceLevel

  • Shared 

 

Type

1..1

OBWriteDomesticFutureDatedCancellationConsentResponse/Data/Charges/Type

Charge type, in a coded form.

String 

 Enum:

  • BH.OBF.DNS

  • BH.OBF.NRT

  • BH.OBF.BIL

 

Amount

1..1

OBWriteDomesticFutureDatedCancellationConsentResponse/Data/Charges/Amount

Amount of money associated with the charge type.

OBWriteDomesticFutureDatedCancellationConsentResponse/Data/Charges/Amount

 

 

Amount

1..1

OBWriteDomesticFutureDatedCancellationConsentResponse/Data/Charges/Amount/Amount

A number of monetary units specified in an active currency where the unit of currency is explicit and compliant with ISO 4217.

String

 

^\d{1,13}$\|^\d{1,13}\.\d{1,5}$

Currency

1..1

OBWriteDomesticFutureDatedCancellationConsentResponse/Data/Charges/Amount/Amount/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

String

 

^[A-Z]{3,3}$

...

{

  "Data": {

    "ConsentId": "56565656",

    "CreationDateTime": "2020-03-18T04:57:51.128+03:00",

    "Status": "Authorised",

    "StatusUpdateDateTime": "2020-03-18T04:57:51.128+03:00",

    "Permission": "Create",

    "ReadRefundAccount": "No",

    "CutOffDateTime": "2020-03-18T04:57:51.128+03:00",

    "ExpectedExecutionDateTime": "2020-03-18T04:57:51.128+03:00",

    "ExpectedSettlementDateTime": "2020-03-18T04:57:51.128+03:00",

    "Charges": [

      {

        "ChargeBearer": "BorneByCreditor",

        "Type": "TO_BE_CONFIRMEDBH.OBF.DNS",

        "Amount": {

          "Amount": "2.13",

          "Currency": "BHD"

        }

      }

    ],

   "Initiation": {
      "InstructionIdentification": "07171I030",
      "EndToEndIdentification": "20200716D004",
      "LocalInstrument": "BH.OBF.DNS",
      "InstructedAmount": {
        "Amount": "2.13",
        "Currency": "BHD"
      },

      "DebtorAccount": {
        "SchemeName": "BH.OBF.IBAN",
        "Identification": "BH10BBKU001000000012345",
        "Name": "Aamir Khan",
      },
      "CreditorAccount": {
        "SchemeName": "BH.OBF.IBAN",
        "Identification": "BH89ABIB00000123456789",
        "Name": "Asif Khan",
      },

          "CreditorPostalAddress": {

        "AddressType": "Business",

        "AddressLine": "ABC Bank, Diplomatic Area”

       “StreetName": "Route 1888",

        "BuildingNumber": "27",

        "PostCode": "317",

        "TownName": "Manama",

        "CountySubDivision": "Manama”

        "Country": "BH",},

      "RemittanceInformation": {

        "RemittanceDescription": "Internal ops code 5120101",

        "Reference": "STORE-101"

      },  

    "Authorisation": {

      "AuthorisationType": "Single",

      "CompletionDateTime": "2020-03-12T09:10:17.595+03:00"

    },

    "SCASupportData": {

      "RequestedSCAExemptionType": “TO_BE_CONFIRMED",

      "AppliedAuthenticationApproach": "SCA",

      "ReferencePaymentOrderId": "0000002345"

    }

  },

  "Risk": {

    "PaymentContextCode": "BillPayment",

    "MerchantCategoryCode": "002345",

    "MerchantCustomerIdentification": "0023456789",

    "DeliveryAddress": {

        "AddressLine": "ABC Bank, Diplomatic Area”

        "StreetName": "Route 1888",

        "BuildingNumber": "27",

        "PostCode": "317",

        "TownName": "Manama",

        "CountySubDivision": "Manama”

        "Country": "BH",}

  },

  "Links": {

    "Self": "www.TBC.com"

  },

  "Meta": {

    "TotalPages": 02,

    "FirstAvailableDateTime": "2020-03-12T09:10:17.596+03:00",

    "LastAvailableDateTime": "2020-03-12T09:10:17.596+03:00"

  }

...

{
  "Data": {
    "ConsentId": "12398",
    "Permission": "update",
    "DomesticFutureDatedPaymentId": "223567",
    "ExpectedExecutionDateTime": "2020-04-23T13:17:14.340+03:00",
    "ExpectedSettlementDateTime": "2020-04-23T13:17:14.340+03:00",
    "Charges": [
      {
        "ChargeBearer": "BorneByCreditor",
        "Type": "TO_BE_CONFIRMEDBH.OBF.DNS",
        "Amount": {
          "Amount": "2.13",
          "Currency": "BHD"
        }
      }
    ]
  }

}

...

{

  "Data": {

    "ConsentId": "12398",

    "Permission": "update",

    "DomesticFutureDatedPaymentId": "223567",

    "ExpectedExecutionDateTime": "2020-04-23T13:17:14.340+03:00",

    "ExpectedSettlementDateTime": "2020-04-23T13:17:14.340+03:00",

    "Charges": [

      {

        "ChargeBearer": "BorneByCreditor",

        "Type": "TO_BE_CONFIRMEDBH.OBF.DNS",

        "Amount": {

          "Amount": "2.13",

          "Currency": "BHD"

        }

      }

    ]

  }

}