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Table of Contents
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stylenone

1. Overview

The Sharing product details API is used by an AISP to request an ASPSP to retrieve list of products details and features.

2. Endpoints

...

S. No.

...

Resource

...

HTTP Operation

...

Endpoint

...

Mandatory

...

Grant Type

...

Idempotency Key

...

Request Object

...

Response Object

...

2.1

...

sharing product details

...

GET

...

GET /sharing-product-details

...

Mandatory

...

Client Credentials

...

No

...

NA

...

OBReadSharingProductDetails

3. Data Models

The data dictionary section gives the detail on the payload content for the Sharing Product Details API flows.

3.1 Sharing Product Details – Response

 The OBReadSharingProductDetails object will be used for the call to:

  • GET /sharing-product-details

3.1.1 UML Diagram

...

Image Removed

Image Removed

Image Removed

Image Removed

Image Removed

3.1.2 Notes

The sharing-product-details response contains the full payload of all the products sent by ASPSP.

Below are the products:

  • Credit Cards

  • Loans

  • CASA

  • Investment

  • Fund Transfer Services

Each of the products contains below elements:

  • Product Details

  • Features

  • Eligibility

  • Benefits

  • Terms and Conditions

3.1.3 Data Dictionary

The fields mentioned in the UML diagram are basic product details and features for banks to incorporate in the APIs. Based on the specific cases and applicability, banks may choose to increase the fields for sharing with the AISPs. Also, banks that are not offering any products/services might choose not to build them in the APIs.

...

Name

...

Occurrence

...

XPath

...

EnhancedDefinition

...

Class

...

Codes

...

Pattern

...

OBReadSharingProductDetails

...

 

...

OBReadSharingProductDetails

...

 

...

OBReadSharingProductDetails

...

 

...

 

...

Data

...

1..1

...

OBReadSharingProductDetails/Data

...

 

...

OBReadSharingProductDetails/Data

...

 

...

 

...

CreditCards

...

0..n

...

OBReadSharingProductDetails/Data/CreditCards

...

List of Credit card products.

...

OBReadSharingProductDetails/Data/CreditCards

...

 

...

 

...

ProductDetails

...

1..1

...

OBReadSharingProductDetails/Data/CreditCards/ProductDetails

...

This Section covers basic product description.

...

OBReadSharingProductDetails/Data/CreditCards/ProductDetails

...

 

...

 

...

CategoryName

...

1..1

...

OBReadSharingProductDetails/Data/CreditCards/ProductDetails/CategoryName

...

Product category name used by ASPSPs.

...

String

...

 

...

 

...

CategoryCode

...

1..1

...

OBReadSharingProductDetails/Data/CreditCards/ProductDetails/CategoryCode

...

Product category code used by ASPSPs.

...

String

...

 

...

 

...

ProductDescription

...

1..1

...

OBReadSharingProductDetails/Data/CreditCards/ProductDetails/ProductDescription

...

A brief description of the product.

...

String

...

 

...

 

...

ProductCode

...

1..1

...

OBReadSharingProductDetails/Data/CreditCards/ProductDetails/ProductCode

...

Product Code for ASPSPs operational purpose.

...

String

...

 

...

 

...

SubProductCode

...

1..1

...

OBReadSharingProductDetails/Data/CreditCards/ProductDetails/SubProductCode

...

Sub-Product Code for ASPSPs operational purpose.

...

String

...

 

...

 

...

Table of Contents
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stylenone

1. Version Control

Version

Date

Description of Changes

Bahrain OBF v1.0.0

25th Aug 2020

Initial Release

2. Overview

The Sharing product details API is used by an AISP to request an ASPSP to retrieve list of products details and features.

3. Endpoints

S. No.

Resource

HTTP Operation

Endpoint

Mandatory

Scope

Grant Type

Request Object

Response Object

3.1

sharing product details

GET

GET /sharing-product-details

Mandatory

Client Credentials

No

NA

OBReadSharingProductDetails

4. Data Models

The data dictionary section gives detail on the payload content for the Sharing Product Details API flows.

4.1 Sharing Product Details – Response

 The OBReadSharingProductDetails object will be used for the call to:

  • GET /sharing-product-details

4.1.1 UML Diagram

...

Image Added

Image Added

Image Added

Image Added

Image AddedImage AddedImage Added

4.1.2 Notes

The sharing-product-details response contains the full payload of all the products sent by ASPSP.

Below are the products:

  • Credit Cards

  • Loans- In Islamic banking, this field is referred to as ‘Financings’

  • CASA- Current Account and Savings Account

  • Investment- In Islamic banking, this field is referred to as ‘Investment Account’

  • Fund Transfer Services

Each of the products contains below elements:

  • Product Details

  • Features

  • Eligibility

  • Benefits

  • Terms and Conditions

In addition, the following information can be requested through the Sharing Product Details API

  • Branch

  • ATM       

4.1.3 Data Dictionary

The fields mentioned in the UML diagram are basic product details and features for banks to incorporate in the APIs. Based on the specific cases and applicability, banks may choose to increase the fields for sharing with the AISPs. Also, banks that are not offering any products/services might choose not to build them in the APIs.

Name

Occurrence

XPath

Enhanced Definition

Class/ Datatype

Codes

Pattern

OBReadSharingProductDetails

 

OBReadSharingProductDetails

 

OBReadSharingProductDetails

 

 

Data

1..1

OBReadSharingProductDetails/Data

 

OBReadSharingProductDetails/Data

 

 

CreditCards

0..n

OBReadSharingProductDetails/Data/CreditCards

List of Credit card products

OBReadSharingProductDetails/Data/CreditCards

 

 

ProductDetails

1..1

OBReadSharingProductDetails/Data/CreditCards/ProductDetails

This Section covers basic product description

OBReadSharingProductDetails/Data/CreditCards/ProductDetails

 

 

CategoryName

1..1

OBReadSharingProductDetails/Data/CreditCards/ProductDetails/CategoryName

Product category name used by ASPSPs

String

 

 

CategoryCode

1..1

OBReadSharingProductDetails/Data/CreditCards/ProductDetails/CategoryCode

Product category code used by ASPSPs

String

 

 

ProductDescription

1..1

OBReadSharingProductDetails/Data/CreditCards/ProductDetails/ProductDescription

A brief description of the product

String

 

 

ProductCode

1..1

OBReadSharingProductDetails/Data/CreditCards/ProductDetails/ProductCode

Product Code for ASPSPs operational purpose

String

 

 

SubProductCode

1..1

OBReadSharingProductDetails/Data/CreditCards/ProductDetails/SubProductCode

Sub-Product Code for ASPSPs operational purpose

String

 

 

ProductURL

0..1

OBReadSharingProductDetails/Data/CreditCards/ProductDetails/ProductURL

Product URL

String

 

 

Segment

1..1

OBReadSharingProductDetails/Data/CreditCards/ProductDetails/Segment

Product segment such as lifestyle, travel, reward points, etc.

String

 

 

Features

0..1

OBReadSharingProductDetails/Data/CreditCards/Features

List of product features

OBReadSharingProductDetails/Data/CreditCards/Features

 

 

Currency

0..1

OBReadSharingProductDetails/Data/CreditCards/Features/Currency

Payment and transaction currency as applicable on the selected card

String

 

 

OnetimeFee

0..1

OBReadSharingProductDetails/Data/CreditCards/Features/OnetimeFee

First time membership or fee payable on getting a card in BHD excluding taxes

Number

 

 

AnnualFeeAndCharges

0..1

OBReadSharingProductDetails/Data/CreditCards/Features/AnnualFeeAndCharges

Recurring fees and charges payable periodically in BHD excluding taxes

Number

 

 

FeeWaiver

0..1

OBReadSharingProductDetails/Data/CreditCards/Features/FeeWaiver

This includes the conditions for fee waiver if any applicable on the selected card

String

 

 

AddOnCards

0..1

OBReadSharingProductDetails/Data/CreditCards/Features/AddOnCards

This includes the conditions and limit for add on cards where a card holder can apply for add-on cards for his/her family under the same account

String

 

 

CardLimit

0..1

OBReadSharingProductDetails/Data/CreditCards/Features/CardLimit

Transaction limit offered by banks for the customer. This also includes the limits for sub transaction such as ATM withdrawal limit, merchant transaction limit, etc.

String

 

 

InterestRates

0..1

OBReadSharingProductDetails/Data/CreditCards/Features/InterestRates

Interest rate payable on repayment post due date- In Islamic banking, this field is referred to as ‘Profit/Charge’

String

 

 

Eligibility

0..1

OBReadSharingProductDetails/Data/CreditCards/Eligibility

This covers nationality, age, employment status, income and credit score

OBReadSharingProductDetails/Data/CreditCards/Eligibility

 

 

DocumentsRequired

0..1

OBReadSharingProductDetails/Data/CreditCards/Eligibility/DocumentsRequired

List of documents required for getting a credit card

String

 

 

Age

0..1

OBReadSharingProductDetails/Data/CreditCards/Eligibility/Age

Age

Number

 

 

EmploymentStatus

0..1

OBReadSharingProductDetails/Data/CreditCards/Eligibility/EmploymentStatus

Employment status

String

 

 

Income

0..1

OBReadSharingProductDetails/Data/CreditCards/Eligibility/Income

Income

String

 

 

CreditScore

0..1

OBReadSharingProductDetails/Data/CreditCards/Eligibility/CreditScore

Credit score

String

 

 

Benefits

0..1

OBReadSharingProductDetails/Data/CreditCards/Benefits

List of Benefits offered by this product

OBReadSharingProductDetails/Data/CreditCards/Benefits

 

 

OffersOnTheCard

0..1

OBReadSharingProductDetails/Data/CreditCards/Benefits/OffersOnTheCard

Some cards have great offers and discounts if used with a particular vendor, website or company. Also banks have tie ups with offices, educational institutions etc. and offer them special rates

String

 

 

RewardType

0..1

OBReadSharingProductDetails/Data/CreditCards/Benefits/RewardType

Some cards are specifically made to suit customers spending habits. For e.g. travel, aviation, lifestyle, shopping, cashback etc.

String

 

 

RewardsProgram

0..1

OBReadSharingProductDetails/Data/CreditCards/Benefits/RewardsProgram

Rewards program offered by Banks including cashback and redeemable options. Fuel charge waivers and airport lounge access will also be covered here

String

 

 

JoiningGiftsOrBonus

0..1

OBReadSharingProductDetails/Data/CreditCards/Benefits/JoiningGiftsOrBonus

To get customers to apply for their card, banks offer welcome gifts and bonuses. This could be some latest gadget or bonus points and miles

String

 

 

OtherBenefits

0..1

OBReadSharingProductDetails/Data/CreditCards/Benefits/OtherBenefits

Additional benefits if any

String

 

 

TermsAndConditions

0..1

OBReadSharingProductDetails/Data/CreditCards/TermsAndConditions

This includes a summary of the terms and conditions such as hidden charges, compliance requirements and other bank-specific requirements

OBReadSharingProductDetails/Data/CreditCards/TermsAndConditions

 

 

tnc-title

0..1

OBReadSharingProductDetails/Data/CreditCards/TermsAndConditions/tnc-title

Terms and conditions title

String

 

 

tnc-summary

0..1

OBReadSharingProductDetails/Data/CreditCards/TermsAndConditions/tnc-summary

Any material conditions and specific features such as salary transfer, minimum equity for mortgage facility, loan to value ratio etc.

String

 

 

tnc-url

0..1

OBReadSharingProductDetails/Data/CreditCards/TermsAndConditions/tnc-url

Terms and conditions URL

String

 

 

SupplementaryData

0..1

OBReadSharingProductDetails/Data/CreditCards/SupplementaryData

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

OBSupplementaryData

 

 

Loans

0..n

OBReadSharingProductDetails/Data/Loans

List of Loans products- In Islamic banking, this field is referred to as ‘Financings’

OBReadSharingProductDetails/Data/Loans

 

 

ProductDetails

1..1

OBReadSharingProductDetails/Data/Loans/ProductDetails

This Section covers basic product description

OBReadSharingProductDetails/Data/Loans/ProductDetails

 

 

CategoryName

1..1

OBReadSharingProductDetails/Data/Loans/ProductDetails/CategoryName

Product category name used by ASPSPs

String

 

 

CategoryCode

1..1

OBReadSharingProductDetails/Data/Loans/ProductDetails/CategoryCode

Product category code used by the ASPSPs

String

 

 

ProductDescription

1..1

OBReadSharingProductDetails/Data/Loans/ProductDetails/ProductDescription

A brief description of the product

String

 

 

ProductCode

1..1

OBReadSharingProductDetails/Data/Loans/ProductDetails/ProductCode

Product Code for Banks operational purpose

String

 

 

SubProductCode

1..1

OBReadSharingProductDetails/Data/Loans/ProductDetails/SubProductCode

Sub-Product Code for Banks operational purpose

String

 

 

ProductURL

0..1

OBReadSharingProductDetails/Data/Loans/ProductDetails/ProductURL

Product URL

String

 

 

Segment

1..1

OBReadSharingProductDetails/Data/Loans/ProductDetails/Segment

Product segment such as lifestyle, travel, reward points, etc.

String

 

 

Features

0..1

OBReadSharingProductDetails/Data/Loans/Features

List of product features

OBReadSharingProductDetails/Data/Loans/Features

 

 

Currency

0..1

OBReadSharingProductDetails/Data/Loans/Features/Currency

Payment and transaction currency as applicable on the selected loan type

String

 

 

InitialDeposit

0..1

OBReadSharingProductDetails/Data/Loans/Features/InitialDeposit

Initial amount payable by the customer in BHD excluding taxes

String

 

 

HandlingFees/Supplementary

0..1

OBReadSharingProductDetails/Data/Loans/Features/HandlingFees/Supplementary

Loan handling fees applicable for products in BHD excluding taxes

String

 

 

MinTenure

0..1

OBReadSharingProductDetails/Data/Loans/Features/MinTenure

Minimum duration of loan period in months

String

 

 

MaxTenure

0..1

OBReadSharingProductDetails/Data/Loans/Features/MaxTenure

Maximum duration of loan period in months

String

 

 

InterestRates

0..1

OBReadSharingProductDetails/Data/Loans/Features/InterestRates

Interest payable on repayment of the loan amount- In Islamic banking, this field is referred to as ‘Profit/Charge’

String

 

 

Eligibility

0..1

OBReadSharingProductDetails/Data/Loans/Eligibility

This covers nationality, age, employment status, income and credit score

OBReadSharingProductDetails/Data/Loans/Eligibility

 

 

DocumentsRequired

0..1

OBReadSharingProductDetails/Data/Loans/Eligibility/DocumentsRequired

List of documents required for getting a loan

String

 

 

Age

0..1

OBReadSharingProductDetails/Data/Loans/Eligibility/Age

Age of the loan applicant

Number

 

 

EmploymentStatus

0..1

OBReadSharingProductDetails/Data/Loans/Eligibility/EmploymentStatus

Employment status of the loan applicant

String

 

 

Income

0..1

OBReadSharingProductDetails/Data/Loans/Eligibility/Income

Income of the loan applicant

String

 

 

CreditScore

0..1

OBReadSharingProductDetails/Data/Loans/Eligibility/CreditScore

Credit score of the loan applicant

String

 

 

Collateral

0..1

OBReadSharingProductDetails/Data/Loans/Eligibility/Collateral

List of collateral accepted against loan if applicable

String

 

 

Benefits

0..1

OBReadSharingProductDetails/Data/Loans/Benefits

List of Benefits offered by this product

OBReadSharingProductDetails/Data/Loans/Benefits

 

 

BonusPack

0..1

OBReadSharingProductDetails/Data/Loans/Benefits/BonusPack

"Free Priority/ Premium/ Easy Banking plan with credit card, 360° reward and welcome offers"

String

 

 

FreeMortgageValueAssessment

0..1

OBReadSharingProductDetails/Data/Loans/Benefits/FreeMortgageValueAssessment

"Free assessment of the value of the mortgage"

String

 

 

AutoPaySetup

0..1

OBReadSharingProductDetails/Data/Loans/Benefits/AutoPaySetup

"One stop pay"

String

 

 

E-cheque

0..1

OBReadSharingProductDetails/Data/Loans/Benefits/E-cheque

"Option of e cheque clearance"

String

 

 

EarlyEMIPaymentOptions

0..1

OBReadSharingProductDetails/Data/Loans/Benefits/EarlyEMIPaymentOptions

Benefit of early payment options

String

 

 

OtherBenefits

0..1

OBReadSharingProductDetails/Data/Loans/Benefits/OtherBenefits

Additional benefits if any

String

 

 

TermsAndConditions

0..1

OBReadSharingProductDetails/Data/Loans/TermsAndConditions

This includes a summary of the terms and conditions such as hidden charges, compliance requirements and other bank specific requirements

OBReadSharingProductDetails/Data/Loans/TermsAndConditions

 

 

tnc-title

0..1

OBReadSharingProductDetails/Data/Loans/TermsAndConditions/tnc-title

Terms and conditions title

String

 

 

tnc-summary

0..1

OBReadSharingProductDetails/Data/Loans/TermsAndConditions/tnc-summary

Any material conditions and specific features such as salary transfer, minimum equity for mortgage facility, loan to value ratio etc.

String

 

 

tnc-url

0..1

OBReadSharingProductDetails/Data/Loans/TermsAndConditions/tnc-url

Terms and conditions URL

String

 

 

SupplementaryData

0..1

OBReadSharingProductDetails/Data/Loans/SupplementaryData

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

OBSupplementaryData

 

 

CASA

0..n

OBReadSharingProductDetails/Data/CASA

List of CASA products

OBReadSharingProductDetails/Data/CASA

 

 

ProductDetails

1..1

OBReadSharingProductDetails/Data/CASA/ProductDetails

This Section covers basic product description

OBReadSharingProductDetails/Data/CASA/ProductDetails

 

 

CategoryName

1..1

OBReadSharingProductDetails/Data/CASA/ProductDetails/CategoryName

Product category name used by the ASPSPs

String

 

 

CategoryCode

1..1

OBReadSharingProductDetails/Data/CASA/ProductDetails/CategoryCode

Product category code used by the ASPSPs

String

 

 

ProductDescription

1..1

OBReadSharingProductDetails/Data/CASA/ProductDetails/ProductDescription

A brief description of the product

String

 

 

ProductCode

1..1

OBReadSharingProductDetails/Data/CASA/ProductDetails/ProductCode

Product Code for ASPSPs operational purpose

String

 

 

SubProductCode

1..1

OBReadSharingProductDetails/Data/CASA/ProductDetails/SubProductCode

Sub-Product Code for ASPSPs operational purpose

String

 

 

ProductURL

0..1

OBReadSharingProductDetails/Data/CASA/ProductDetails/ProductURL

Product URL

String

 

 

Segment

1..1

OBReadSharingProductDetails/Data/CASA/ProductDetails/Segment

Product segment such as lifestyle, travel, reward points, etc.

String

 

 

Features

0..1

OBReadSharingProductDetails/Data/CASA/Features

List of product features

OBReadSharingProductDetails/Data/CASA/Features

 

 

Currency

0..1

OBReadSharingProductDetails/Data/CASA/Features/Currency

Payment and transaction currency as applicable on the selected CASA type

String

 

 

MinBalanceMaintenance

0..1

OBReadSharingProductDetails/Data/CASA/Features/MinBalanceMaintenance

Minimum balance to be maintained by the account holder in BHD

String

 

 

HandlingFees/Supplementary

0..1

OBReadSharingProductDetails/Data/CASA/Features/HandlingFees/Supplementary

Account handling fees applicable for products in BHD excluding taxes per annum

String

 

 

OverdraftLimit

0..1

OBReadSharingProductDetails/Data/CASA/Features/OverdraftLimit

Limit offered by banks for the customer based on turnover and spending levels in BHD per month

String

 

 

InterestRates

0..1

OBReadSharingProductDetails/Data/CASA/Features/InterestRates

Interest payable on repayment of the loan amount- In Islamic banking, this field is referred to as ‘Profit/Charge’

String

 

 

DepositRate

0..1

OBReadSharingProductDetails/Data/CASA/Features/DepositRate

Interest rate applicable for deposits only- In Islamic banking, this field is referred to as ‘Profit/Charge’

String

 

 

MinDepositAmount

0..1

OBReadSharingProductDetails/Data/CASA/Features/MinDepositAmount

Minimum one time deposit amount in BHD

String

 

 

Eligibility

0..1

OBReadSharingProductDetails/Data/CASA/Eligibility

This covers nationality, age, employment status, income and credit score

OBReadSharingProductDetails/Data/CASA/Eligibility

 

 

DocumentsRequired

0..1

OBReadSharingProductDetails/Data/CASA/Eligibility/DocumentsRequired

List of documents required for opening a current account

String

 

 

Age

0..1

OBReadSharingProductDetails/Data/CASA/Eligibility/Age

Age of the applicant

Number

 

 

EmploymentStatus

0..1

OBReadSharingProductDetails/Data/CASA/Eligibility/EmploymentStatus

Employment status of the applicant

String

 

 

Income

0..1

OBReadSharingProductDetails/Data/CASA/Eligibility/Income

Income of the applicant

String

 

 

CreditScore

0..1

OBReadSharingProductDetails/Data/CASA/Eligibility/CreditScore

Credit score of the applicant

String

 

 

Benefits

0..1

OBReadSharingProductDetails/Data/CASA/Benefits

List of Benefits offered by this product

OBReadSharingProductDetails/Data/CASA/Benefits

 

 

RelationshipManager

0..1

OBReadSharingProductDetails/Data/CASA/Benefits/RelationshipManager

This covers the benefits of availing RM under few conditions

String

 

 

ODprotection

0..1

OBReadSharingProductDetails/Data/CASA/Benefits/ODprotection

Enjoy Current Account Overdraft Protection for clearing cheques

String

 

 

MinBalance

0..1

OBReadSharingProductDetails/Data/CASA/Benefits/MinBalance

This describes the minimum balance required to keep the account active

String

 

 

AutoPaySetup

0..1

OBReadSharingProductDetails/Data/CASA/Benefits/AutoPaySetup

One-stop pay

String

 

 

MultipleDebitCards

0..1

OBReadSharingProductDetails/Data/CASA/Benefits/MultipleDebitCards

This includes details of add on debit cards where a account holder can apply for add-on cards for his/her employees under the same account

String

 

 

E-cheque

0..1

OBReadSharingProductDetails/Data/CASA/Benefits/E-cheque

Option of E-cheque clearance

String

 

 

OtherBenefits

0..1

OBReadSharingProductDetails/Data/CASA/Benefits/OtherBenefits

Additional benefits if any

String

 

 

TermsAndConditions

0..1

OBReadSharingProductDetails/Data/CASA/TermsAndConditions

This includes a summary of the terms and conditions such as hidden charges, compliance requirements and other ASPSP specific requirements

OBReadSharingProductDetails/Data/CASA/TermsAndConditions

 

 

tnc-title

0..1

OBReadSharingProductDetails/Data/CASA/TermsAndConditions/tnc-title

Terms and conditions title

String

 

 

tnc-summary

0..1

OBReadSharingProductDetails/Data/CASA/TermsAndConditions/tnc-summary

Any material conditions and specific features such as salary transfer, minimum equity for mortgage facility, loan to value ratio etc.

String

 

 

tnc-url

0..1

OBReadSharingProductDetails/Data/CASA/TermsAndConditions/tnc-url

Terms and conditions URL

String

 

 

SupplementaryData

0..1

OBReadSharingProductDetails/Data/CASA/SupplementaryData

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

OBSupplementaryData

 

 

Investment

0..n

OBReadSharingProductDetails/Data/Investment

List of Investment products- In Islamic banking, this field is referred to as ‘Investment Account’

OBReadSharingProductDetails/Data/Investment

 

 

ProductDetails

1..1

OBReadSharingProductDetails/Data/Investment/ProductDetails

This Section covers basic product description

OBReadSharingProductDetails/Data/Investment/ProductDetails

 

 

CategoryName

1..1

OBReadSharingProductDetails/Data/Investment/ProductDetails/CategoryName

Product category name used by the ASPSPs

String

 

 

CategoryCode

1..1

OBReadSharingProductDetails/Data/Investment/ProductDetails/CategoryCode

Product category code used by the ASPSPs

String

 

 

ProductDescription

1..1

OBReadSharingProductDetails/Data/Investment/ProductDetails/ProductDescription

A brief description of the product

String

 

 

ProductCode

1..1

OBReadSharingProductDetails/Data/Investment/ProductDetails/ProductCode

Product Code for ASPSPs operational purpose

String

 

 

SubProductCode

1..1

OBReadSharingProductDetails/Data/Investment/ProductDetails/SubProductCode

Sub-Product Code for ASPSPs operational purpose

String

 

 

ProductURL

0..1

OBReadSharingProductDetails/Data/Investment/ProductDetails/ProductURL

Product URL

String

 

 

Segment

1..1

OBReadSharingProductDetails/Data/Investment/ProductDetails/Segment

Product segment such as lifestyle, travel, reward points, etc.

String

 

 

Features

0..1

OBReadSharingProductDetails/Data/Investment/Features

List of product features

OBReadSharingProductDetails/Data/Investment/Features

 

 

Currency

0..1

OBReadSharingProductDetails/Data/Investment/Features/Currency

Payment and transaction currency as applicable on the selected Investment type

String

 

 

MinInvestmentRequirement

0..1

OBReadSharingProductDetails/Data/Investment/Features/MinInvestmentRequirement

Minimum investment required for opening the investment account in BHD

String

 

 

HandlingFees/Supplementary

0..1

OBReadSharingProductDetails/Data/Investment/Features/HandlingFees/Supplementary

Account handling fees applicable for products in BHD excluding taxes per annum

String

 

 

AnnualFees

0..1

OBReadSharingProductDetails/Data/Investment/Features/AnnualFees

Recurring fees and charges payable periodically in BHD excluding of taxes

String

 

 

InvestmentTenure

0..1

OBReadSharingProductDetails/Data/Investment/Features/InvestmentTenure

Duration of investment period in months

String

 

 

DepositRate

0..1

OBReadSharingProductDetails/Data/Investment/Features/DepositRate

Interest rate applicable for deposits only- In Islamic banking, this field is referred to as ‘Profit/Charge’

String

 

 

HistoricInvestmentRate

0..1

OBReadSharingProductDetails/Data/Investment/Features/HistoricInvestmentRate

This covers the historic rates that are gained by the investors in the selected fund- In Islamic banking, this field is referred to as ‘Profit/Charge’

String

 

 

Eligibility

0..1

OBReadSharingProductDetails/Data/Investment/Eligibility

This covers nationality, age, employment status, income and credit score

OBReadSharingProductDetails/Data/Investment/Eligibility

 

 

DocumentsRequired

0..1

OBReadSharingProductDetails/Data/CreditCardsInvestment/ProductDetailsEligibility/ProductURLProduct URL.DocumentsRequired

List of documents required

String

 

 

SegmentAge

10..1

OBReadSharingProductDetails/Data/CreditCardsInvestment/ProductDetailsEligibility/Segment

Product segment such as lifestyle, travel, reward points, etc.

StringAge

Age of the applicant

Number

 

 

FeaturesEmploymentStatus

0..1

OBReadSharingProductDetails/Data/Investment/CreditCardsEligibility/FeaturesEmploymentStatus

List of product features.

OBReadSharingProductDetails/Data/CreditCards/FeaturesEmployment status of the applicant

String

 

 

CurrencyIncome

0..1

OBReadSharingProductDetails/Data/CreditCardsInvestment/FeaturesEligibility/CurrencyPayment and transaction currency as applicable on the selected card.Income

Income of the applicant

String

 

 

OnetimeFeeCreditScore

0..1

OBReadSharingProductDetails/Data/CreditCardsInvestment/FeaturesEligibility/OnetimeFee

First time membership or fee payable on getting a card in BHD excluding taxes.

NumberCreditScore

Credit score of the applicant

String

 

 

AnnualFeeAndChargesBenefits

0..1

OBReadSharingProductDetails/Data/CreditCardsInvestment/Features/AnnualFeeAndCharges

Recurring fees and charges payable periodically in BHD excluding taxes.

NumberBenefits

List of Benefits offered by this product

OBReadSharingProductDetails/Data/Investment/Benefits

 

 

FeeWaiverSIPOptions

0..1

OBReadSharingProductDetails/Data/CreditCardsInvestment/FeaturesBenefits/FeeWaiverSIPOptions

This includes the conditions for fee waiver if any applicable on the selected card.covers the broader systematic investment plan option that a customer can opt for

String

 

 

AddOnCardsQuickerInvestmentWithdrawal

0..1

OBReadSharingProductDetails/Data/CreditCardsInvestment/FeaturesBenefits/AddOnCardsThis includes the conditions and limit for add on cards where a card holder can apply for add-on cards for his/her family under the same account.QuickerInvestmentWithdrawal

Customers can withdraw the investments within 24 hours of the request submitted

String

 

 

CardLimitMinimumInvestment

0..1

OBReadSharingProductDetails/Data/CreditCardsInvestment/FeaturesBenefits/CardLimitTransaction limit offered by banks for the customer. This also includes the limits for sub transaction such as ATM withdrawal limit, merchant transaction limit, etc.MinimumInvestment

This describes the minimum annual investment required to keep the account active

String

 

 

InterestRatesAutoPaySetup

0..1

OBReadSharingProductDetails/Data/CreditCardsInvestment/FeaturesBenefits/InterestRatesInterest rate payable on repayment post due date.AutoPaySetup

One-stop pay

String

 

 

EligibilityOtherBenefits

0..1

OBReadSharingProductDetails/Data/CreditCardsInvestment/Benefits/Eligibility

This covers nationality, age, employment status, income and credit score.

OBReadSharingProductDetails/Data/CreditCards/EligibilityOtherBenefits

Additional benefits if any

String

 

 

DocumentsRequiredTermsAndConditions

0..1

OBReadSharingProductDetails/Data/CreditCardsInvestment/Eligibility/DocumentsRequired

List of documents required for getting a credit card.

StringTermsAndConditions

This includes a summary of the terms and conditions such as hidden charges, compliance requirements and other ASPSP specific requirements

OBReadSharingProductDetails/Data/Investment/TermsAndConditions

 

 Age

tnc-title

0..1

OBReadSharingProductDetails/Data/CreditCardsInvestment/EligibilityTermsAndConditions/Age

Age.

Numbertnc-title

Terms and conditions title

String

 

 EmploymentStatus

tnc-summary

0..1

OBReadSharingProductDetails/Data/CreditCardsInvestment/EligibilityTermsAndConditions/EmploymentStatusEmployment statustnc-summary

Any material conditions and specific features such as salary transfer, minimum equity for mortgage facility, loan to value ratio etc.

String

 

 Income

tnc-url

0..1

OBReadSharingProductDetails/Data/CreditCardsInvestment/EligibilityTermsAndConditions/IncomeIncome.tnc-url

Terms and conditions URL

String

 

 

CreditScoreSupplementaryData

0..1

OBReadSharingProductDetails/Data/CreditCards/Eligibility/CreditScore

Credit score.

String

Investment/SupplementaryData

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

OBSupplementaryData

 

 

BenefitsFundTransferServices

0..1n

OBReadSharingProductDetails/Data/CreditCards/BenefitsFundTransferServices

List of Benefits offered by this product.Fund Transfer Services products

OBReadSharingProductDetails/Data/CreditCards/BenefitsFundTransferServices

 

 

OffersOnTheCardProductDetails

01..1

OBReadSharingProductDetails/Data/CreditCardsFundTransferServices/Benefits/OffersOnTheCard

Some cards have great offers and discounts if used with a particular vendor, website or company. Also banks have tie ups with offices, educational institutions etc. and offer them special rates.

StringProductDetails

This Section covers basic product description

OBReadSharingProductDetails/Data/FundTransferServices/ProductDetails

 

 

RewardTypeCategoryName

01..1

OBReadSharingProductDetails/Data/CreditCardsFundTransferServices/BenefitsProductDetails/RewardTypeSome cards are specifically made to suit customers spending habits. For e.g. travel, aviation, lifestyle, shopping, cashback etc.CategoryName

Product category name used by the ASPSPs

String

 

 

RewardsProgramCategoryCode

01..1

OBReadSharingProductDetails/Data/CreditCardsFundTransferServices/BenefitsProductDetails/RewardsProgramRewards program offered by Banks including cashback and redeemable options. Fuel charge waivers and airport lounge access will also be covered here.CategoryCode

Product category code used by the ASPSPs

String

 

 

JoiningGiftsOrBonusProductDescription

01..1

OBReadSharingProductDetails/Data/CreditCardsFundTransferServices/BenefitsProductDetails/JoiningGiftsOrBonusTo get customers to apply for their card, banks offer welcome gifts and bonuses. This could be some latest gadget or bonus points and miles.ProductDescription

A brief description of the product

String

 

 

OtherBenefitsProductCode

01..1

OBReadSharingProductDetails/Data/CreditCardsFundTransferServices/BenefitsProductDetails/OtherBenefitsAdditional benefits if any.ProductCode

Product Code for ASPSPs operational purpose

String

 

 

TermsAndConditionsSubProductCode

01..1

OBReadSharingProductDetails/Data/CreditCardsFundTransferServices/ProductDetails/TermsAndConditions

This includes a summary of the terms and conditions such as hidden charges, compliance requirements and other bank specific requirements.

OBReadSharingProductDetails/Data/CreditCards/TermsAndConditionsSubProductCode

Sub-Product Code for ASPSPs operational purpose

String

 

 

tnc-titleProductURL

0..1

OBReadSharingProductDetails/Data/CreditCardsFundTransferServices/TermsAndConditionsProductDetails/tnc-titleTerms and conditions title.ProductURL

Product URL

String

 

 

tnc-summarySegment

01..1

OBReadSharingProductDetails/Data/CreditCardsFundTransferServices/TermsAndConditionsProductDetails/tnc-summaryAny material conditions and specific features such as salary transfer, minimum equity for mortgage facility, loan to value ratio Segment

Product segment such as lifestyle, travel, reward points, etc.

String

 

 

tnc-urlFeatures

0..1

OBReadSharingProductDetails/Data/CreditCards/TermsAndConditions/tnc-url

Terms and conditions URL.

StringFundTransferServices/Features

List of product features

OBReadSharingProductDetails/Data/FundTransferServices/Features

 

 

SupplementaryDataCurrency

0..1

OBReadSharingProductDetails/Data/FundTransferServices/CreditCardsFeatures/SupplementaryData

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

OBSupplementaryDataCurrency

Payment and transaction currency as applicable on the selected service type

String

 

 

LoansMinFundTransfer

0..n1

OBReadSharingProductDetails/Data/FundTransferServices/Features/Loans

List of Loans products.

OBReadSharingProductDetails/Data/LoansMinFundTransfer

Minimum fund transfer applicable for the type of service selected in BHD

String

 

 ProductDetails

HandlingFees/Supplementary

10..1

OBReadSharingProductDetails/Data/Loans/ProductDetails

This Section covers basic product description.

OBReadSharingProductDetails/Data/Loans/ProductDetailsFundTransferServices/Features/HandlingFees/Supplementary

Account handling fees applicable for products in BHD excluding taxes per annum

String

 

 

CategoryNameTypesOfFundTransfer

10..1

OBReadSharingProductDetails/Data/LoansFundTransferServices/ProductDetailsFeatures/CategoryNameProduct category name used by ASPSPs.TypesOfFundTransfer

This covers different type of fund transfer that banks offer to the customers

String

 

 

CategoryCodeEligibility

10..1

OBReadSharingProductDetails/Data/Loans/ProductDetails/CategoryCode

Product category code used by the ASPSPs.

String

/FundTransferServices/Eligibility

This covers nationality, age, employment status, income and credit score

OBReadSharingProductDetails/Data/FundTransferServices/Eligibility

 

 

ProductDescriptionDocumentsRequired

10..1

OBReadSharingProductDetails/Data/LoansFundTransferServices/ProductDetailsEligibility/ProductDescriptionDocumentsRequired

A brief description of the productList of documents required

String

 

 

ProductCodeAge

10..1

OBReadSharingProductDetails/Data/LoansFundTransferServices/ProductDetailsEligibility/ProductCode

Product Code for Banks operational purpose.

StringAge

Age of the applicant

Number

 

 

SubProductCodeEmploymentStatus

10..1

OBReadSharingProductDetails/Data/LoansFundTransferServices/ProductDetailsEligibility/SubProductCodeSub-Product Code for Banks operational purpose.EmploymentStatus

Employment status of the applicant

String

 

 

ProductURLIncome

0..1

OBReadSharingProductDetails/Data/LoansFundTransferServices/ProductDetailsEligibility/ProductURLProduct URL.Income

Income of the applicant

String

 

 

SegmentCreditScore

10..1

OBReadSharingProductDetails/Data/LoansFundTransferServices/ProductDetailsEligibility/SegmentProduct segment such as lifestyle, travel, reward points, etc.CreditScore

Credit score of the applicant

String

 

 

FeaturesBenefits

0..1

OBReadSharingProductDetails/Data/LoansFundTransferServices/FeaturesBenefits

List of Benefits offered by this product features.

OBReadSharingProductDetails/Data/LoansFundTransferServices/FeaturesBenefits

 

 

CurrencyInternationalPayment

0..1

OBReadSharingProductDetails/Data/LoansFundTransferServices/FeaturesBenefits/CurrencyPayment and transaction currency as applicable on the selected loan type.InternationalPayment

International payment with other currency pay-outs

String

 

 

InitialDepositOtherBenefits

0..1

OBReadSharingProductDetails/Data/LoansFundTransferServices/FeaturesBenefits/InitialDeposit

Initial amount payable by the customer in BHD excluding taxes.

String

 

 

HandlingFees/Supplementary

0..1

OBReadSharingProductDetails/Data/Loans/Features/HandlingFees/Supplementary

Loan handling fees applicable for products in BHD excluding taxes.

StringOtherBenefits

Additional benefits if any

String

 

 

TermsAndConditions

0..1

OBReadSharingProductDetails/Data/FundTransferServices/TermsAndConditions

This includes a summary of the terms and conditions such as hidden charges, compliance requirements and other bank specific requirements

OBReadSharingProductDetails/Data/FundTransferServices/TermsAndConditions

 

 MinTenure

tnc-title

0..1

OBReadSharingProductDetails/Data/LoansFundTransferServices/FeaturesTermsAndConditions/MinTenureMinimum duration of loan period in months.tnc-title

Terms and conditions title

String

 

 MaxTenure

tnc-summary

0..1

OBReadSharingProductDetails/Data/LoansFundTransferServices/FeaturesTermsAndConditions/MaxTenureMaximum duration of loan period in monthstnc-summary

Any material conditions and specific features such as salary transfer, minimum equity for mortgage facility, loan to value ratio etc.

String

 

 InterestRates

tnc-url

0..1

OBReadSharingProductDetails/Data/LoansFundTransferServices/FeaturesTermsAndConditions/InterestRatesInterest payable on repayment of the loan amount.tnc-url

Terms and conditions URL

String

 

 

EligibilitySupplementaryData

0..1

OBReadSharingProductDetails/Data/LoansFundTransferServices/Eligibility

This covers nationality, age, employment status, income and credit score.

OBReadSharingProductDetails/Data/Loans/Eligibility

 

 

DocumentsRequired

0..1

OBReadSharingProductDetails/Data/Loans/Eligibility/DocumentsRequired

List of documents required for getting a loan.

StringSupplementaryData

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

OBSupplementaryData

 

 

AgeOBATM

0..1

OBReadSharingProductDetails/Data/Loans/Eligibility/Age

Age of the loan applicant.

NumberOBATM

List of ATM

OBReadSharingProductDetails/Data/OBATM

 

 

EmploymentStatusATM

01..1n

OBReadSharingProductDetails/Data/LoansOBATM/Eligibility/EmploymentStatusEmployment status ATM

Environment of the loan applicant.ATM

String

 

 

IncomeIdentification

0..1

OBReadSharingProductDetails/Data/LoansOBATM/Eligibility/IncomeIncome of the loan applicant.ATMIdentification

Unique and unambiguous identification of a branch of a financial institution

String

 

 

ATMServices

CreditScore 

0..1n

OBReadSharingProductDetails/Data/LoansOBATM/Eligibility/CreditScore

Credit score of the loan applicant.

String

 

 

Collateral

0..1

OBReadSharingProductDetails/Data/Loans/Eligibility/Collateral

List of collateral accepted against loan if applicable.

String

 

 

BenefitsATMServices

Describes the type of transaction available for a customer on an ATM.

String

  • Balance

  • BillPayments

  • CashDeposits

  • CharityDonation

  • ChequeDeposits

  • CashWithdrawal

  • EnvelopeDeposit

  • FastCash

  • MobileBankingRegistration

  • MobilePaymentRegistration

  • MobilePhoneTopUp

  • OrderStatement

  • Other

  • PINActivation

  • PINChange

  • PINUnblock

  • MiniStatement

 

Access24HoursIndicator

0..1

OBReadSharingProductDetails/Data/LoansOBATM/ Benefits

List of Benefits offered by this product.

OBReadSharingProductDetails/Data/Loans/BenefitsAccess24HoursIndicator

Indicates that the ATM is available for use by customers 24 hours per day

String

 

 

BonusPackAccessibility

0..1n

OBReadSharingProductDetails/Data/LoansOBATM/BenefitsATM/ BonusPack

"Free Priority/ Premium/ Easy Banking plan with credit card, 360° reward and welcome offers".

String

 

 

FreeMortgageValueAssessmentAccessibility

Indicates Types of Accessibility

String

  • AudioCashMachine

  • AutomaticDoors

  • ExternalRamp

  • InductionLoop

  • InternalRamp

  • LevelAccess

  • LowerLevelCounter

  • Other

  • WheelchairAccess

 

SupportedLanguages

 

0..1n

OBReadSharingProductDetails/Data/LoansOBATM/ BenefitsATM/FreeMortgageValueAssessmentSupportedLanguages

"Free assessment of the value of the mortgage".Identification of the language name according to the ISO 639-1 codes. The type is validated by the list of values coded with two alphabetic characters, defined in the standard

String

 

 

AutoPaySetupSupportedcurrencies

 

0..1n

OBReadSharingProductDetails/Data/LoansOBATM/ BenefitsATM/AutoPaySetup

"One stop pay".

String

 

 

E-chequeSupportedcurrencies

All ISO 4217 defined currency  supported by the ATM

String

 

 

MinimumPossibleAmount

0..1

OBReadSharingProductDetails/Data/LoansOBATM/ BenefitsATM/E-cheque

"Option of e cheque clearance".

StringMinimumPossibleAmount

Minimum amount allowed for a transaction in the service

Number

 

 

EarlyEMIPaymentOptionsOtherAccessibility

0..1n

OBReadSharingProductDetails/Data/LoansOBATM/ Benefits/EarlyEMIPaymentOptions

Benefit of early payment options.

StringOtherAccessibility

 

 

 

 

OtherBenefitsName

01..1

OBReadSharingProductDetails/Data/LoansOBATM/ BenefitsOtherAccessibility/OtherBenefitsAdditional benefits if any.Name

Name of the Accessibility

String

 

 

TermsAndConditionsDescription

0..1

OBReadSharingProductDetails/Data/Loans/TermsAndConditions

This includes a summary of the terms and conditions such as hidden charges, compliance requirements and other bank specific requirements.1..1

OBReadSharingProductDetails/Data/OBATM/ Loans/TermsAndConditionsOtherAccessibility/Description

Description of the specified Accessibility

String

 

 

tnc-titleOtherATMServices

0..1n

OBReadSharingProductDetails/Data/Loans/TermsAndConditions/tnc-title

Terms and conditions title.

StringOBATM/ OtherATMServices

 

 

 

 

tnc-summaryName

01..1

OBReadSharingProductDetails/Data/LoansOBATM/ TermsAndConditionsOtherATMServices/tnc-summaryAny material conditions and specific features such as salary transfer, minimum equity for mortgage facility, loan to value ratio etc.Name

Name of the Service

String

 

 

tnc-urlDescription

01..1

OBReadSharingProductDetails/Data/LoansOBATM/ TermsAndConditionsOtherATMServices/ tnc-urlTerms and conditions URL.Description

Description of the ATM service

String

 

 

SupplementaryDataLocation

0..1

OBReadSharingProductDetails/Data/LoansOBATM/SupplementaryData

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

OBSupplementaryDataLocation

 

 

 

 CASA

Location category

0..n

OBReadSharingProductDetails/Data/CASAList of CASA products./OBATM/Location/ Location category

Indicates the environment of the ATM.

String

  • BranchExternal

  • BranchInternal

  • BranchLobby

  • Other

  • RetailerOutlet

  • RemoteUnit

 

OtherLocationCategory

0..n

OBReadSharingProductDetails/Data/CASA/OBATM/ Location/OtherLocationCategory

 

 

 

 

ProductDetailsName

1..1

OBReadSharingProductDetails/Data/CASA/ProductDetails

This Section covers basic product description.

OBReadSharingProductDetails/Data/CASA/ProductDetailsOBATM/ Location/OtherLocationCategory/Name

Long name associated with the specified location category

String

 

 

CategoryNameDescription

1..1

OBReadSharingProductDetails/Data/CASAOBATM/ Location/ProductDetailsOtherLocationCategory/ CategoryNameProduct category name used by the ASPSPs.Description

Description to describe the purpose of the location category

String

 

 

CategoryCodePostalAddress

10..1

OBReadSharingProductDetails/Data/CASAOBATM/ ProductDetailsLocation/ CategoryCode

Product category code used by the ASPSPs.

StringPostalAddress

 

 

 

 

ProductDescriptionAddressLine

10..17

OBReadSharingProductDetails/Data/CASAOBATM/ Location/ ProductDetailsPostalAddress /ProductDescriptionA brief description of the productAddressLine

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

String

 

 

ProductCodeStreetName

10..1

OBReadSharingProductDetails/Data/CASAOBATM/ Location/ ProductDetailsPostalAddress /ProductCodeProduct Code for ASPSPs operational purposeStreetName

Name of a street or thoroughfare.

String

 

 

SubProductCodeBuildingNumber

10..1

OBReadSharingProductDetails/Data/CASAOBATM/ Location/ ProductDetailsPostalAddress /SubProductCodeSub-Product Code for ASPSPs operational purposeBuildingNumber

Name or Number that identifies the position of a building on a street.

String

 

 

ProductURLPostCode

0..1

OBReadSharingProductDetails/Data/OBATM/ CASALocation/ ProductDetailsPostalAddress /ProductURLProduct URLPostCode

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

String

 

 

SegmentTownName

10..1

OBReadSharingProductDetails/Data/CASAOBATM/ Location/ ProductDetailsPostalAddress /SegmentProduct segment such as lifestyle, travel, reward points, etcTownName

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

String

 

 

FeaturesCountrySubDivision

0..1

OBReadSharingProductDetails/Data/OBATM/ CASALocation/ PostalAddress /FeaturesCountrySubDivision

List of product features.

OBReadSharingProductDetails/Data/CASA/FeaturesIdentifies a subdivision of a country, for instance state, region, county.

String

 

 

CurrencyCountry

0..1

OBReadSharingProductDetails/Data/OBATM/ CASALocation/ FeaturesPostalAddress /CurrencyPayment and transaction currency as applicable on the selected CASA typeCountry

Nation with its own government, occupying a particular territory.

String

 

 

MinBalanceMaintenanceGeoLocation

0..1

OBReadSharingProductDetails/Data/OBATM/ CASALocation/ FeaturesPostalAddress / MinBalanceMaintenance

Minimum balance to be maintained by the account holder in BHD.

StringGeoLocation

Geographic location of the ATM specified by geographic coordinates or UTM coordinates.

 

 

 

HandlingFees/SupplementaryLatitude

01..1

OBReadSharingProductDetails/Data/OBATM/ CASALocation/ FeaturesPostalAddress / HandlingFeesGeoLocation/ Supplementary

Account handling fees applicable for products in BHD excluding taxes per annum.

StringLatitude

Latitude measured in decimal degrees

Number

 

 

OverdraftLimitLongitude

01..1

OBReadSharingProductDetails/Data/CASA/Features/OverdraftLimit

Limit offered by banks for the customer based on turnover and spending levels in BHD per month.

String

 

 

InterestRates

0..1OBATM/ Location/ PostalAddress / GeoLocation/ Longitude

Angular measurement of the distance of a location on the earth east or west of the Greenwich observatory.
The longitude is measured in decimal degrees.

Number

 

 

OBBranch

0..1

OBReadSharingProductDetails/Data/OBBranch

 

 

 

 

Branch

 

1..n

OBReadSharingProductDetails/Data/CASAOBBranch/Features/InterestRatesInterest payable on repayment of the loan amount.Branch

Environment of the Branch

 

String

 

 

Identification

DepositRate 

0..1

OBReadSharingProductDetails/Data/CASAOBBranch/Features/DepositRateInterest rate applicable for deposits only.Branch/ Identification

 

Unique and unambiguous identification of a branch of a financial institution

 

String

 

 

MinDepositAmountName

 

0..1

OBReadSharingProductDetails/Data/CASAOBBranch/Features/MinDepositAmountMinimum one time deposit amount in BHD.Branch/ Name

Name by which a branch is known and which is usually used to identify that branch

 

String

 

 

Type

Eligibility 

0..1

OBReadSharingProductDetails/Data/CASAOBBranch/Branch/ Eligibility

This covers nationality, age, employment status, income and credit score.

OBReadSharingProductDetails/Data/CASA/Eligibility

 

 

DocumentsRequiredType

 

Codeset to indicate if a branch is physically in 1 location or is mobile

 

String

  • Mobile

  • Physical

 

Accessibility

 

0..1n

OBReadSharingProductDetails/Data/CASAOBBranch/EligibilityBranch/ DocumentsRequired

List of documents required for opening a current account.

String

 

 

Age

0..1

OBReadSharingProductDetails/Data/CASA/Eligibility/Age

Age of the applicant.

Number

 

 

EmploymentStatus

0..1Accessibility

 

Accessibility is the ability and ease a customer can access a service, good, associate, or facility. Features which make the Bank accessible to disabled people

 

String

  • AutomaticDoors

  • AudioCashMachine

  • ExternalRamp

  • HelpingHandUnit

  • InductionLoop

  • InternalRamp

  • LevelAccess

  • LowerLevelCounter

  • Other

  • WheelchairAccess

 

CustomerSegment

0..n

OBReadSharingProductDetails/Data/CASAOBBranch/EligibilityBranch/ EmploymentStatus

Employment status of the applicant.

String

 

 

Income

0..1

OBReadSharingProductDetails/Data/CASA/Eligibility/Income

Income of the applicant.

String

 

 

CreditScore

0..1CustomerSegment

The marketing segment which the branch is able to address in terms of customer type. Market segmentation is a marketing term referring to the aggregating of prospective buyers into groups, or segments that have common needs and respond similarly to a marketing action. Market segmentation enables companies to target different categories of consumers who perceive the full value of certain products and services differently from one another

String

  • Corporate

  • Retail

  • SME

 

ServiceandFacility

0..n

OBReadSharingProductDetails/Data/CASAOBBranch/EligibilityBranch/ CreditScoreCredit score of the applicant.ServiceandFacility

Service/Facilities offered at a branch

String 

  • AssistedServiceCounter

 

ODprotection

0..1
  • AccountVerificationService

Benefits

0..1

OBReadSharingProductDetails/Data/CASA/Benefits

List of Benefits offered by this product.

OBReadSharingProductDetails/Data/CASA/Benefits

 

 

RelationshipManager

0..1

OBReadSharingProductDetails/Data/CASA/Benefits/RelationshipManager

This covers the benefits of availing RM under few conditions.

String

 

 

  • BusinessCounter

  • BusinessDepositTerminal

  • CardIssuanceFacility

  • CollectionLockers

  • CounterServices

  • LodgementDevice

  • MortgageAdvisor

  • OnDemandCurrency

  • Other

 

SupportedLanguages

 

0..n

OBReadSharingProductDetails/Data/CASAOBBranch/BenefitsBranch/ ODprotectionEnjoy Current Account Overdraft Protection for clearing cheques.SupportedLanguages

 

Identification of the language name according to the ISO 639-1 codes. The type is validated by the list of values coded with two alphabetic characters, defined in the standard

 

String

 

 

Supportedcurrencies

MinBalance 

0..1n

OBReadSharingProductDetails/Data/CASAOBBranch/BenefitsBranch/ MinBalanceThis describes the minimum balance required to keep the account active.Supportedcurrencies

 

All ISO 4217 defined currency  supported by the ATM

 

String

 

 

AutoPaySetupOtherServiceandFacility

0..1n

OBReadSharingProductDetails/Data/CASAOBBranch/BenefitsBranch/ AutoPaySetup

One stop pay.

StringOtherServiceandFacility

 

 

 

 

Name

MultipleDebitCards 

01..1

OBReadSharingProductDetails/Data/CASAOBBranch/Branch/BenefitsOtherServiceandFacility/MultipleDebitCardsName

This includes details of add on debit cards where a account holder can apply for add-on cards for his/her employees under the same account.Name of the Service and Facility

 

String

 

 

Description

E-cheque 

01..1

OBReadSharingProductDetails/Data/CASAOBBranch/Branch/BenefitsOtherServiceandFacility/ E-chequeDescription

Option of e cheque clearance.Description of the Service and Facility

 

String

 

 

OtherAccessibility

OtherBenefits 

0..1n

OBReadSharingProductDetails/Data/CASAOBBranch/BenefitsBranch/OtherBenefits

Additional benefits if any.

StringOtherAccessibility

 

 

 

 

TermsAndConditionsName

 

01..1

OBReadSharingProductDetails/Data/OBBranch/Branch/CASAOtherAccessibility/TermsAndConditions

This includes a summary of the terms and conditions such as hidden charges, compliance requirements and other bank specific requirements.

OBReadSharingProductDetails/Data/CASA/TermsAndConditionsName

 

Name of the Accessibility

 

String

 

 

tnc-title

0Description

 

1..1

OBReadSharingProductDetails/Data/OBBranch/CASABranch/TermsAndConditions/tnc-titleTerms and conditions title.OtherAccessibility/ Description

Description of the specified Accessibility

 

String

 

 

tnc-summaryContactInfo

 

0..1n

OBReadSharingProductDetails/Data/CASAOBBranch/TermsAndConditionsBranch/tnc-summary

Any material conditions and specific features such as salary transfer, minimum equity for mortgage facility, loan to value ratio etc.

StringContactInfo

Communication device number or electronic address used for communication.

 

 

 

 

tnc-url

0ContactType

 

1..1

OBReadSharingProductDetails/Data/OBBranch/CASABranch/TermsAndConditions/tnc-url

Terms and conditions URL.

String

 

 

SupplementaryData

0ContactInfo/ ContactType

 

Contact type such Phone, Fax and email

 

String

  • AlternateEmail

  • AlternateFax

  • AlternatePhone

  • Email

  • Fax

  • Other

  • Phone

 

ContactContent

 

1..1

OBReadSharingProductDetails/Data/CASA/SupplementaryData

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

OBSupplementaryDataOBBranch/Branch/ContactInfo/ ContactContent

 

Collection of information that identifies a phone/Fax number/ email, as defined by telecom services.

 

String

 

 

ContactDescription

Investment 

01..n1

OBReadSharingProductDetails/Data/InvestmentList of Investment products.OBBranch/Branch/ContactInfo/ ContactDescription

 

Description of contact such as main phone number, alternate phone number, Fax number, alternate fax number, email and alternate email

 

String

 

 

OtherContactType

 

0..1

OBReadSharingProductDetails/Data/Investment/OBBranch/Branch/ContactInfo/OtherContactType

Other contact type which is not in the standard list

 

 

 

 

ProductDetailsName

 

1..1

OBReadSharingProductDetails/Data/Investment/ProductDetails

This Section covers basic product description.

OBReadSharingProductDetails/Data/Investment/ProductDetailsOBBranch/Branch/ContactInfo/OtherContactType/ Name

 

Long name associated with the code

 

String

 

 

CategoryNameDescription

 

1..1

OBReadSharingProductDetails/Data/Investment/ProductDetails/CategoryName

Product category name used by the ASPSPs.

String

 

 

CategoryCode

1OBBranch/Branch/ContactInfo/OtherContactType/ Description

 

Description to describe the purpose of the code

 

String

 

 

PostalAddress

 

0..1

OBReadSharingProductDetails/Data/InvestmentOBBranch/ProductDetailsBranch/CategoryCode

Product category code used by the ASPSPs.

StringPostalAddress

 

 

 

 

AddressLine

ProductDescription 

10..17

OBReadSharingProductDetails/Data/InvestmentOBBranch/Branch/ProductDetailsPostalAddress/ ProductDescriptionA brief description of the product.AddressLine

 

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

 

String

 

 

ProductCodeStreetName

 

10..1

OBReadSharingProductDetails/Data/OBBranch/InvestmentBranch/ProductDetailsPostalAddress/ ProductCode

Product Code for Banks operational purpose.

StreetName

 

Name of a street or thoroughfare.

 

String

 

 

BuildingNumber

SubProductCode 

10..1

OBReadSharingProductDetails/Data/OBBranch/InvestmentBranch/ProductDetailsPostalAddress/ SubProductCode

Sub-Product Code for Banks operational purpose.

BuildingNumber

 

Name or Number that identifies the position of a building on a street.

 

String

 

 

PostCode

ProductURL 

0..1

OBReadSharingProductDetails/Data/OBBranch/InvestmentBranch/ProductDetailsPostalAddress/ ProductURLProduct URL.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

Segment 

10..1

OBReadSharingProductDetails/Data/InvestmentOBBranch/Branch/ProductDetailsPostalAddress/ SegmentProduct segment such as lifestyle, travel, reward points, etc.TownName

 

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

 

String

 

 

CountrySubDivision

Features 

0..1

OBReadSharingProductDetails/Data/Investment/Features

List of product features.

OBReadSharingProductDetails/Data/Investment/FeaturesOBBranch/Branch/PostalAddress/ CountrySubDivision

 

Identifies a subdivision of a country, for instance state, region, county.

 

String

 

 

Country

Currency 

0..1

OBReadSharingProductDetails/Data/InvestmentOBBranch/Branch/FeaturesPostalAddress/ CurrencyPayment and transaction currency as applicable on the selected Investment type.Country

 

Nation with its own government, occupying a particular territory.

 

String

 

 

GeoLocation

MinInvestmentRequirement 

0..1

OBReadSharingProductDetails/Data/InvestmentOBBranch/Branch/FeaturesPostalAddress/MinInvestmentRequirement

Minimum investment required for opening the investment account in BHD.

StringGeoLocation

 

Geographic location of the ATM specified by geographic coordinates or UTM coordinates.

 

 

 

 

Latitude

HandlingFees/Supplementary 

01..1

OBReadSharingProductDetails/Data/InvestmentOBBranch/Branch/FeaturesPostalAddress/HandlingFees/Supplementary

Account handling fees applicable for products in BHD excluding taxes per annum.

StringGeoLocation/ Latitude

 

 

Latitude measured in decimal degrees

 

Number

 

 

Longitude

AnnualFees 

01..1

OBReadSharingProductDetails/Data/OBBranch/Branch/InvestmentPostalAddress/FeaturesGeoLocation/ AnnualFees

Recurring fees and charges payable periodically in BHD excluding of taxes.

String

 

 

InvestmentTenure

0..1Longitude

 

Angular measurement of the distance of a location on the earth east or west of the Greenwich observatory.
The longitude is measured in decimal degrees.

 

Number

 

 

4.1.4 Static Enumerations

This section provides the definitions of the enumerations used across the Sharinig product details use cases.

Code Class

Name

Definition

OBReadSharingProductDetails/Data/InvestmentOBATM/Features/InvestmentTenure

Duration of investment period in months.

String

 

 

DepositRate

0..1ATMServices

Balance

Balance inquiry

OBReadSharingProductDetails/Data/InvestmentOBATM/Features/DepositRate

Interest rate applicable for deposits only.

String

 

 

HistoricInvestmentRate

0..1ATMServices

BillPayments

Funds transfer to pay a third party

OBReadSharingProductDetails/Data/OBATM/ATMServices

CashDeposits

Deposit of cash

OBReadSharingProductDetails/Data/InvestmentOBATM/Features/HistoricInvestmentRate

This covers the historic rates that are gained by the investors in the selected fund.

String

 

 

Eligibility

0..1ATMServices

CharityDonation

Funds transfer to make a charity donation

OBReadSharingProductDetails/Data/OBATM/ATMServices

ChequeDeposits

Deposit of cheques

OBReadSharingProductDetails/Data/InvestmentOBATM/EligibilityThis covers nationality, age, employment status, income and credit score.ATMServices

CashWithdrawal

Standard withdrawal of cash

OBReadSharingProductDetails/Data/InvestmentOBATM/EligibilityATMServices

 

 

DocumentsRequired

0..1EnvelopeDeposit

Deposit of media items unverified by the ATM, for instance in an envelope

OBReadSharingProductDetails/Data/Investment/Eligibility/DocumentsRequired

List of documents required.

String

 

 

Age

0..1

OBATM/ATMServices

FastCash

Deposit of media items verified by the ATM

OBReadSharingProductDetails/Data/Investment/Eligibility/Age

Age of the applicant.

Number

 

 

EmploymentStatus

0..1OBATM/ATMServices

MobileBankingRegistration

The ATM is capable of registering the user for mobile banking

OBReadSharingProductDetails/Data/Investment/Eligibility/EmploymentStatus

Employment status of the applicant.

String

 

 

Income

0..1

OBATM/ATMServices

MobilePaymentRegistration

The ATM is capable of registering the user for Mobile Payment Services

OBReadSharingProductDetails/Data/Investment/Eligibility/Income

Income of the applicant.

String

 

 

CreditScore

0..1

OBATM/ATMServices

MobilePhoneTopUp

The ATM is capable performing a mobile phone top up from the users bank account

OBReadSharingProductDetails/Data/Investment/Eligibility/CreditScore

Credit score of the applicant.

String

 

 

Benefits

0..1

OBATM/ATMServices

OrderStatement

The ATM is capable of ordering a bank statement

OBReadSharingProductDetails/Data/InvestmentOBATM/BenefitsList of Benefits offered by this product.ATMServices

Other

Fillout OtherATMService fields with code name and description of an ATM service which is not in the standard code list

OBReadSharingProductDetails/Data/InvestmentOBATM/BenefitsATMServices

 

 

SIPOptions

0..1

PINActivation

The ATM is capable of activating a debit card using a PIN

OBReadSharingProductDetails/Data/Investment/Benefits/SIPOptions

This covers the broader systematic investment plan option that a customer can opt for.

String

 

 

QuickerInvestmentWithdrawal

0..1OBATM/ATMServices

PINChange

Modification of the card PIN value

OBReadSharingProductDetails/Data/Investment/Benefits/QuickerInvestmentWithdrawal

Customer can withdraw the investments within 24 hours of the request submitted.

String

 

 

MinimumInvestment

0..1OBATM/ATMServices

PINUnblock

Unblock the PIN

OBReadSharingProductDetails/Data/Investment/Benefits/MinimumInvestment

This describes the minimum annual investment required to keep the account active.

String

 

 

AutoPaySetup

0..1

OBATM/ATMServices

MiniStatement

Ask for account mini statement information to a related customer account

OBReadSharingProductDetails/Data/InvestmentOBATM/BenefitsATM/ AutoPaySetup

One stop pay.

String

 

 

OtherBenefits

0..1Accessibility

AudioCashMachine

The ATM has a headphone jack

OBReadSharingProductDetails/Data/InvestmentOBATM/BenefitsATM/ OtherBenefits

Additional benefits if any.

String

 

 

TermsAndConditions

0..1Accessibility

AutomaticDoors

Access to the ATM is provided by automatic doors

OBReadSharingProductDetails/Data/OBATM/InvestmentATM/ TermsAndConditionsThis includes a summary of the terms and conditions such as hidden charges, compliance requirements and other bank specific requirements.Accessibility

ExternalRamp

Access to the ATM is provided by means of an external ramp

OBReadSharingProductDetails/Data/OBATM/InvestmentATM/ TermsAndConditionsAccessibility

 

 

tnc-title

0..1

InductionLoop

The ATM has a hearing aid induction loop

OBReadSharingProductDetails/Data/InvestmentOBATM/TermsAndConditionsATM/ tnc-title

Terms and conditions title.

String

 

 

tnc-summary

0..1

Accessibility

InternalRamp

Access to the ATM is provided by means of an internal ramp

OBReadSharingProductDetails/Data/InvestmentOBATM/TermsAndConditions/tnc-summary

Any material conditions and specific features such as salary transfer, minimum equity for mortgage facility, loan to value ratio etc.

String

 

 

tnc-url

0..1ATM/ Accessibility

LevelAccess

Level access to the ATM not impeded by any step or ramp

OBReadSharingProductDetails/Data/InvestmentOBATM/TermsAndConditionsATM/ tnc-url

Terms and conditions URL.

String

 

 

SupplementaryData

0..1Accessibility

LowerLevelCounter

Access to the ATM is at a low level suitable for wheelchair users

OBReadSharingProductDetails/Data/Investment/SupplementaryData

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

OBSupplementaryData

 

 

FundTransferServices

0..n

OBReadSharingProductDetails/Data/FundTransferServices

List of Fund Transfer Services products.

OBReadSharingProductDetails/Data/FundTransferServices

 

 

ProductDetails

1..1

OBReadSharingProductDetails/Data/FundTransferServices/ProductDetails

This Section covers basic product description.

OBReadSharingProductDetails/Data/FundTransferServices/ProductDetails

 

 

CategoryName

1..1

OBReadSharingProductDetails/Data/FundTransferServices/ProductDetails/CategoryName

Product category name used by the ASPSPs.

String

 

 

CategoryCode

1..1

OBReadSharingProductDetails/Data/FundTransferServices/ProductDetails/CategoryCode

Product category code used by the ASPSPs.

String

 

 

ProductDescription

1..1

OBReadSharingProductDetails/Data/FundTransferServices/ProductDetails/ProductDescription

A brief description of the product.

String

 

 

ProductCode

1..1

OBReadSharingProductDetails/Data/FundTransferServices/ProductDetails/ProductCode

Product Code for Banks operational purpose.

String

 

 

SubProductCode

1..1

OBReadSharingProductDetails/Data/FundTransferServices/ProductDetails/SubProductCode

Sub-Product Code for Banks operational purpose.

String

 

 

ProductURL

0..1

OBReadSharingProductDetails/Data/FundTransferServices/ProductDetails/ProductURL

Product URL.

String

 

 

Segment

1..1

OBReadSharingProductDetails/Data/FundTransferServices/ProductDetails/Segment

Product segment such as lifestyle, travel, reward points, etc.

String

 

 

Features

0..1

OBReadSharingProductDetails/Data/FundTransferServices/Features

List of product features.

OBReadSharingProductDetails/Data/FundTransferServices/Features

 

 

Currency

0..1

OBReadSharingProductDetails/Data/FundTransferServices/Features/Currency

Payment and transaction currency as applicable on the selected service type.

String

 

 

MinFundTransfer

0..1

OBReadSharingProductDetails/Data/FundTransferServices/Features/MinFundTransfer

Minimum fund transfer applicable for the type of service selected in BHD.

String

 

 

HandlingFees/Supplementary

0..1

OBReadSharingProductDetails/Data/FundTransferServices/Features/HandlingFees/Supplementary

Account handling fees applicable for products in BHD excluding taxes per annum.

String

 

 

TypesOfFundTransfer

0..1

OBReadSharingProductDetails/Data/FundTransferServices/Features/TypesOfFundTransfer

This covers different type of fund transfer that banks offer to the customers.

String

 

 

Eligibility

0..1

OBReadSharingProductDetails/Data/FundTransferServices/Eligibility

This covers nationality, age, employment status, income and credit score.

OBReadSharingProductDetails/Data/FundTransferServices/Eligibility

 

 

DocumentsRequired

0..1

OBReadSharingProductDetails/Data/FundTransferServices/Eligibility/DocumentsRequired

List of documents required.

String

 

 

Age

0..1

OBReadSharingProductDetails/Data/FundTransferServices/Eligibility/Age

Age of the applicant.

Number

 

 

EmploymentStatus

0..1

OBReadSharingProductDetails/Data/FundTransferServices/Eligibility/EmploymentStatus

Employment status of the applicant.

String

 

 

Income

0..1

OBReadSharingProductDetails/Data/FundTransferServices/Eligibility/Income

Income of the applicant.

String

 

 

CreditScore

0..1

OBReadSharingProductDetails/Data/FundTransferServices/Eligibility/CreditScore

Credit score of the applicant.

String

 

 

Benefits

0..1

OBReadSharingProductDetails/Data/FundTransferServices/Benefits

List of Benefits offered by this product.

OBReadSharingProductDetails/Data/FundTransferServices/Benefits

 

 

InternationalPayment

0..1

OBReadSharingProductDetails/Data/FundTransferServices/Benefits/InternationalPayment

International payment with other currency pay-outs.

String

 

 

OtherBenefits

0..1

OBReadSharingProductDetails/Data/FundTransferServices/Benefits/OtherBenefits

Additional benefits if any.

String

 

 

TermsAndConditions

0..1

OBReadSharingProductDetails/Data/FundTransferServices/TermsAndConditions

This includes a summary of the terms and conditions such as hidden charges, compliance requirements and other bank specific requirements.

OBReadSharingProductDetails/Data/FundTransferServices/TermsAndConditions

 

 

tnc-title

0..1

OBReadSharingProductDetails/Data/FundTransferServices/TermsAndConditions/tnc-title

Terms and conditions title.

String

 

 

tnc-summary

0..1

OBReadSharingProductDetails/Data/FundTransferServices/TermsAndConditions/tnc-summary

Any material conditions and specific features such as salary transfer, minimum equity for mortgage facility, loan to value ratio etc.

String

 

 

tnc-url

0..1

OBReadSharingProductDetails/Data/FundTransferServices/TermsAndConditions/tnc-url

Terms and conditions URL.

String

 

 

SupplementaryData

0..1

OBReadSharingProductDetails/Data/FundTransferServices/SupplementaryData

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

OBSupplementaryData

 

 

4. Usage Examples

...

OBATM/ATM/ Accessibility

Other

Used to indicate that the code is not in this standard accessibility list. Note: OtherAccessibility can be used to supply the code, name and description

OBReadSharingProductDetails/Data/OBATM/ATM/ Accessibility

WheelchairAccess

The ATM is accessible by wheelchair users

OBReadSharingProductDetails/Data/OBATM/Location/ Location category

BranchExternal

ATM is located on a bank branch external wall

OBReadSharingProductDetails/Data/OBATM/Location/ Location category

BranchInternal

ATM is located inside a bank branch and is only available during opening hours

OBReadSharingProductDetails/Data/OBATM/Location/ Location category

BranchLobby

ATM is located in a lobby which is accessible by the banks customers

OBReadSharingProductDetails/Data/OBATM/Location/ Location category

Other

Other environments, for instance a mall or an airport

OBReadSharingProductDetails/Data/OBATM/Location/ Location category

RetailerOutlet

ATM is located at a retailer outlet

OBReadSharingProductDetails/Data/OBATM/Location/ Location category

RemoteUnit

ATM is a part of a mobile banking facility

OBReadSharingProductDetails/Data/OBBranch/Branch/ Accessibility

AutomaticDoors

Access to the branch is provided by automatic doors

OBReadSharingProductDetails/Data/OBBranch/Branch/ Accessibility

AudioCashMachine

The branch has ATM(s) that have a headphone jack

OBReadSharingProductDetails/Data/OBBranch/Branch/ Accessibility

ExternalRamp

Access to the branch is provided by means of an external ramp

OBReadSharingProductDetails/Data/OBBranch/Branch/ Accessibility

HelpingHandUnit

Branches with Helping Hand units that contain items to assist customers who have a disability to transact with us in the branch. This may include items such as: magnifiers, pen grips, cheque,  templates, banknote gauges,  clipboards and lap-pads

OBReadSharingProductDetails/Data/OBBranch/Branch/ Accessibility

InductionLoop

The branch has a hearing aid induction loop

OBReadSharingProductDetails/Data/OBBranch/Branch/ Accessibility

InternalRamp

Access to the branch is provided by means of an internal ramp

OBReadSharingProductDetails/Data/OBBranch/Branch/ Accessibility

LevelAccess

Level access to the branch not impeded by any step or ramp

OBReadSharingProductDetails/Data/OBBranch/Branch/ Accessibility

LowerLevelCounter

The branch counter is at a lower level, suitable for wheelchair users

OBReadSharingProductDetails/Data/OBBranch/Branch/ Accessibility

Other

Used to indicate that the code is not in this standard accessibility list. Note: OtherAccessibility can be used to supply the code, name and description

OBReadSharingProductDetails/Data/OBBranch/Branch/ Accessibility

WheelchairAccess

The branch is accessible by wheelchair users

OBReadSharingProductDetails/Data/OBBranch/Branch/ Type

Mobile

Represents a mobile branch/van which travels to different locations

OBReadSharingProductDetails/Data/OBBranch/Branch/ Type

Physical

Represents a main or sub branch which is a fixed physical location

OBReadSharingProductDetails/Data/OBBranch/Branch/ CustomerSegment

Corporate

The branch is able to provide services to  corporate customers

OBReadSharingProductDetails/Data/OBBranch/Branch/ CustomerSegment

SME

The branch is able to provide services to  SME customers

OBReadSharingProductDetails/Data/OBBranch/Branch/ CustomerSegment

Personal

The branch is able to provide services to  retail customers

OBReadSharingProductDetails/Data/OBBranch/Branch/ ServiceandFacility

AssistedServiceCounter

Branch provides assisted service counters which are machines providing a wide range of banking facilities similar to those provided by counter services

OBReadSharingProductDetails/Data/OBBranch/Branch/ ServiceandFacility

AccountVerificationService

Branch provides AVS verifying, for instance, Account Holders (Name /Company No), Account (Code, Branch No, Status, Type, Length open and if it accepts debits/credits)

OBReadSharingProductDetails/Data/OBBranch/Branch/ ServiceandFacility

BusinessCounter

The branch has a business counter

OBReadSharingProductDetails/Data/OBBranch/Branch/ ServiceandFacility

BusinessDepositTerminal

The branch provides automated terminals for taking business deposits

OBReadSharingProductDetails/Data/OBBranch/Branch/ ServiceandFacility

CardIssuanceFacility

The branch provides a card issuance facility. Note this is usually an emergency for issuing standard debit cards with personalised magnetic stripe and chip data only

OBReadSharingProductDetails/Data/OBBranch/Branch/ ServiceandFacility

CollectionLockers

The branch has Click and Collect Lockers

OBReadSharingProductDetails/Data/OBBranch/Branch/ ServiceandFacility

CounterServices

The branch provides counter teller services

OBReadSharingProductDetails/Data/OBBranch/Branch/ ServiceandFacility

LodgementDevice

The branch provides lodgement devices which are ATMs which can accept cash and cheque deposits

OBReadSharingProductDetails/Data/OBBranch/Branch/ ServiceandFacility

MortgageAdvisor

The branch provides mortgage advisor services

OBReadSharingProductDetails/Data/OBBranch/Branch/ ServiceandFacility

OnDemandCurrency

The branch can provide foreign currency on demand

OBReadSharingProductDetails/Data/OBBranch/Branch/ ServiceandFacility

Other

Used to indicate that the Branch Self Service code does not exist in this standard code list. Use OtherSelfService to supply code, name & description

OBReadSharingProductDetails/Data/OBBranch/Branch/ContactInfo/ ContactType

AlternateEmail

Alternate email

OBReadSharingProductDetails/Data/OBBranch/Branch/ContactInfo/ ContactType

AlternateFax

Alternate fax number

OBReadSharingProductDetails/Data/OBBranch/Branch/ContactInfo/ ContactType

AlternatePhone

Alter phone number

OBReadSharingProductDetails/Data/OBBranch/Branch/ContactInfo/ ContactType

Email

Email

OBReadSharingProductDetails/Data/OBBranch/Branch/ContactInfo/ ContactType

Fax

Contact fax number

OBReadSharingProductDetails/Data/OBBranch/Branch/ContactInfo/ ContactType

Other

Other contact type

5. Usage Examples

5.1 GET /sharing-product-details

...

5.1.1 Request

GET /sharing-product-details

Authorization: Bearer 4ZopnFZFKjr5zDsicSQpLL

x-fapi-auth-date: Tue, 22 Apr 2020 19:43:31 GMT+03:00

x-fapi-customer-ip-address: 204.35.213.15

x-fapi-interaction-id: 75bdc714-b2dg-7676-c759-780d6815689f

Accept: application/json

...

5.1.2 Response

200 OK

x-fapi-interaction-id: 75bdc714-b2dg-7676-c759-780d6815689f

Content-Type: application/json

{

  "Data": {

    "CreditCards": [

      {

        "ProductDetails": {

          "CategoryName": "Credit-card",

          "CategoryCode": "CC",

          "ProductDescription": "Amex XYZ platinum premium credit cards",

          "ProductCode": "AMEXXYZ-1",

          "SubProductCode": "AMEXXYZ-101",

          "ProductURL": "http//xyz.com/creditcards/",

          "Segment": "lifestyle"

        },

        "Features": {

          "Currency": "BHD",

          "OnetimeFee": 100,

          "AnnualFeeAndCharges": 50,

          "FeeWaiver": "Under the following condition: customer to have made the transaction of >10,000 BHD in the financial year",

          "AddOnCards": "2 complementary complimentary add on card for the family members with limited transaction options",

          "CardLimit": "1000 BHD per month",

          "InterestRates": "2.5% exclusive of taxes per month"

        },

        "Eligibility": {

          "DocumentsRequired": "1. Address proof 2. salary slip 3. bank statement, etc.",

          "Age": 26,

          "EmploymentStatus": "Employed",

          "Income": ">10,000 BHD per annum",

          "CreditScore": "700"

        },

        "Benefits": {

          "OffersOnTheCard": "Get up to 20% off at the selected restaurants in Bahrain"

          "RewardType": " PremierMiles Credit Card",

          "RewardsProgram": " Free access to selected airport lounges",

          "JoiningGiftsOrBonus": "Complementary 100 reward points on joining",

          "OtherBenefits": " Immediate access to Mastercard XYZ ATMs worldwide"

        },

      "TermsAndConditions": {,

          "tnc-url": "http//xyz.com/creditcards/tnc/"

        }

      }

    ],

    "Loans": [

      {

        "ProductDetails": {

          "CategoryName": "Personal loan",

          "CategoryCode": "LN",

          "ProductDescription": "NBB XYZ educational loan",

          "ProductCode": "NBBXYZ-L",

          "SubProductCode": "NBBXYZ-L-101",

          "ProductURL": "http//xyz.com/loans/",

          "Segment": "personal"

        },

        "Features": {

          "Currency": "BHD",

          "InitialDeposit": "100",

          "HandlingFees/Supplementary": "50",

          "LoanTenure": "48",

          "InterestRates": "8% inclusive of taxes"

        },

        "Eligibility": {

          "DocumentsRequired": "1. Address proof 2. salary slip 3. bank statement, etc.",

          "Age": 26,

          "EmploymentStatus": "Employed",

          "Income": ">10,000 BHD per annum",

          "CreditScore": "700",

          "Collateral": "1. mortgages such as house"

        },

        "Benefits": {

          "BonusPack": "Free card issuance fee for the first year, Bank representative can provide the service at your doorsteps",

          "FreeMortgageValueAssessment": " ",

          "AutoPaySetup": " Auto pay option available for repayment",

          "E-cheque": " Access e-Cheque services anywhere in the world through the Internet",

          "EarlyEMIPaymentOptions": " Three month grace period option",

          "OtherBenefits": "Free Home Protect cover from SOLIDARITY XYZ for the Ijara option"

        },

        "TermsAndConditions": {,

          "tnc-url": "http//xyz.com/loans/tnc/"

        }

      }

    ],

"CASA": [

      {

        "ProductDetails": {

          "CategoryName": "Current account Saving account",

          "CategoryCode": "CASA",

          "ProductDescription": "NBB XYZ Current account",

          "ProductCode": "NBBXYZ-CASA",

          "SubProductCode": "NBBXYZ-CASA-101",

          "ProductURL": "http//xyz.com/casa/",

          "Segment": "Retail"

        },

        "Features": {

          "Currency": "BHD",

          "MinBalanceMaintenance": "25",

          "HandlingFees/Supplementary": "50",

          "OverdraftLimit": "10000",

          "InterestRates": "8% inclusive of taxes",

          "DepositRate": "4% inclusive of taxes",

          "MinDepositAmount": "10"

        },

        "Eligibility": {

          "DocumentsRequired": "1. Address proof 2. Business documents 3. bank statement, etc.",

          "Age": 26,

          "EmploymentStatus": "Employed",

          "Income": ">10,000 BHD per annum",

          "CreditScore": "700"

        },

        "Benefits": {

          "RelationshipManager": "A dedicated relationship manager, as well as an exclusive debit card with additional privileges",

          "ODprotection": "We offer protection to make sure you are temporarily covered when withdrawing funds in excess of your account   balance",

          "MinBalance": "Minimum Initial deposit of BD 20 or USD 50": "A minimum balance charge of BD 1 if the average monthly balance is less than BD 20 or equivalent. This may be updated as per the Bank’s Schedule of Fees and Service Charges",

          "AutoPaySetup": "Standing instruction facility",

          "MultipleDebitCards": " Free Debit card at the time of account opening for individuals, Joint Personal, Sole Proprietorship",

          "E-cheque": "Free access to eBanking channels and Phone Banking",

          "OtherBenefits": "Can be opened in Bahraini Dinars and US Dollars, Easy money transfer options between your own accounts or to other beneficiaries within Bahrain or overseas"

        },

        "TermsAndConditions": {,

          "tnc-url": "http//xyz.com/casa/tnc/"

        }

      }

    ],

 "Investment": [

      {

        "ProductDetails": {

          "CategoryName": "Investment account",

          "CategoryCode": "IA",

          "ProductDescription": "NBB XYZ Investment service",

          "ProductCode": "NBBXYZ-IA",

          "SubProductCode": "NBBXYZ-IA-101",

          "ProductURL": "http//xyz.com/investment/",

          "Segment": "Retail"

        },

        "Features": {

          "Currency": "BHD",

          "MinInvestmentRequirement": "1000",

          "HandlingFees/Supplementary": "50",

          "AnnualFees": "50",

          "InvestmentTenure": "48",

          "DepositRate": "4% inclusive of taxes",

          "HistoricInvestmentRate": "year wise % return

                                                2008-15%

                                                2009-20%

                                                ……

                                                2019-17%"

        },

        "Eligibility": {

          "DocumentsRequired": "1. Address proof 2. Business documents 3. bank statement, etc.",

          "Age": 26,

          "EmploymentStatus": "Employed",

          "Income": ">10,000 BHD per annum",

          "CreditScore": "700"

        },

        "Benefits": {

          "SIPOptions": "Minimum SIP amount of 50 BHD per month",

          "QuickerInvestmentWithdrawal": "All transmission costs, service charges and any other charges and expenses whatsoever of any kind relating to withdrawals from an Account will be paid by the Customer in full without deduction or set-off immediately upon demand or by debiting the relevant Account(s)",

          "MinimumInvestment": "Minimum deposit of BHD 1,000 for BHD currency deposits",

          "AutoPaySetup": "Standing instruction facility",

          "OtherBenefits": "Flexible profit distribution on a monthly basis, or at maturity"

        },

        "TermsAndConditions": {,

          "tnc-url": "http//xyz.com/investment/tnc/"

        }

      }

    ],

 "FundTransferServices": [

      {

        "ProductDetails": {

          "CategoryName": "Fund transfer",

          "CategoryCode": "FT",

          "ProductDescription": "NBB XYZ Fund transfer service",

          "ProductCode": "NBBXYZ-FT",

          "SubProductCode": "NBBXYZ-FT-101",

          "ProductURL": "http//xyz.com/fundtransferservices/",

          "Segment": "Retail"

        },

        "Features": {

          "Currency": "BHD",

          "MinFundTransfer": "10",

          "HandlingFees/Supplementary": "50",

          "TypesOfFundTransfer": "1. Fawri

2. Fawri+

3. Fawateer"

        },

        "Eligibility": {

          "DocumentsRequired": "1. Address proof 2. Business documents 3. bank statement, etc.",

          "Age": 26,

          "EmploymentStatus": "Employed",

          "Income": ">10,000 BHD per annum",

          "CreditScore": "700"

        },

        "Benefits": {

          "InternationalPayment": "Facility of international payments is conveniently available through mobile and internet banking, as well as through any branch",

          "OtherBenefits": "The Bank offers speedy money transfer services to most countries in the world in major currencies"

        },

        "TermsAndConditions": {,

          "tnc-url": "http//xyz.com/fundtransferservices/tnc/"

        }

      }

    ]

  }

}

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