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S. No. | Theme | Use Cases | Description |
1 | Payment Initiation Services | Single Domestic Payment A. Account selection @ PISP | Single Domestic Payment allows the user/customer, post his/her consent to the PISP to make a one-time payment for a specific amount to a specific payee immediately, wherein the PISP provides this instruction to the customer’s ASPSP. |
2 | Payment Initiation Services | Single Future Dated Domestic Payment A. Single Future Dated Domestic Payment | Single Future Dated Domestic Payment allows the user/customer, post his/her consent to the PISP to make a one-time payment for a specific amount to a specific payee on a specific future date, wherein the PISP provides this instruction to the customer’s ASPSP. |
3 | Payment Initiation Services | Single International Payment | Single International Payment allows the user/customer, post his/her consent to the PISP to make an international payment for a specific amount to a specific payee, wherein the PISP provides this instruction to the customer’s ASPSP. |
4 | Payment Initiation Services | Bulk/Batch Payment | Bulk/Batch Payment allows the user/customer, post his/her consent to the PISPs to initiate multiple payments to one or more beneficiaries in a single transaction, wherein the PISP provides this instruction to the customer’s ASPSP. |
5 | Account Information Services | Sharing Transaction History/ Account Information | AccountInformationSharing allows the user/customer, post his/her consent to the AISPto instruct his/her ASPSP to share the userusers'/customers’ data. The AISP can access the user/customers customer data to provide recommendations/ innovative financial products and services as per his/ her needs. |
6 | Account Information Services | Sharing Product Details | Sharing Product Details allows third party developers (such as AISPs) to request for the ASPSPs products and services details. The ASPSPs accordingly share the requested information through standard APIs. |
7 | Essentials Services | Consent Management A. Consent Dashboard and Revocation | A. Consent Dashboard allows the user/customer to view, refresh and revoke consent that they have given to the AISP to access the userusers'/ customers’ data. B. Access Dashboard allows the user/customer to view, refresh and revoke access that they have given to that AISP through the ASPSP portal. |
8 | Essentials Services | Notification A. Event Subscription | A. Event Subscription allows an AISP and (or) PISP to register with an ASPSP to subscribe to real time and (or) aggregated polling event notifications, specify a list of event types to be notified on and optionally read, update or delete a registered event subscription. B. The Real Time Notification allows the ASPSP to notify an AISP and (or) PISP in real time, that an event has occurred. C. Aggregated Polling allows the AISP and(or) PISP to request the ASPSP for an aggregated set of notifications related to multiple user/customer accounts during a specific period, enabling them to update their records and contact the user/customer. |
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Detailed Customer Journey
A customer journey is a visual representation of every experience the customers will go through for a use case. Bahrain OBF covers all the necessary and important elements of the Open Banking customer journey to be followed by the Open Banking participants.
Variations of the Use Cases
Multiple variations are covered within a use case based on customer journeys, user interfaces and technical API specifications.
Additional Supplementary Information
Supplementary Information should to be displayed to the Useruser/Customercustomer, having regard to the principle that parity should be maintained between Open Banking journeys and the ASPSPs direct online channel journeys. Additional Information may include fees, charges, warning signs, transaction summary, vulnerable transaction, etc. The ASPSP will decide on this field/information based on the applicability.
Sequence Flow
A sequence flow is the connector between two elements of a process. After an element is visited during process execution, all outgoing sequence flows should be followed.
Security and Access Control
Access control is a security technique that regulates who or what can view or use resources in an open banking ecosystem. Access control systems perform identification, authentication and authorization of the AISP/PISP and the user/customer by evaluating required login credentials.
Reusable Components
APIs are built on principle of reusability where an API can be functionally reused for different applications and provide the filtering according to the requirements of the party involved. This will lead to reduction in development cost and time to market.
Endpoints
When an API interacts with another system, the touchpoints of this communication are considered endpoints. Each endpoint is the location from which APIs can access the resources they need to carry out their function. API performance relies on its ability to communicate effectively with API Endpoints.
Data Model, Object Model and Data Dictionary
Data Model is a logical structure of database which describes its design to reflect entities, attributes, relationship among data, constraints, constrains etc. A data dictionary is a list of key terms and metrics with definitions, a business glossary. Data Model and Data Dictionary facilitates better understanding of APIs and related endpoints.
Usage Examples
Each use case has been provided with multiple JSON examples to make the API specification easily understandable for all the stakeholders.
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