Internet-Draft DataRight+: Banking Resource Set April 2024
Low Expires 3 October 2024 [Page]
Workgroup:
datarightplus
Internet-Draft:
draft-authors-datarightplus-resource-set-banking-00
Published:
Intended Status:
Experimental
Expires:
Author:
S. Low
Biza.io

DataRight+: Banking Resource Set

Abstract

This is the resource set profile outlining the banking sector related endpoints.

Notational Conventions

The keywords "REQUIRED", "SHALL", "SHALL NOT", "SHOULD", "SHOULD NOT", "RECOMMENDED", "MAY", and "OPTIONAL" in this document are to be interpreted as described in [RFC2119].

Status of This Memo

This Internet-Draft is submitted in full conformance with the provisions of BCP 78 and BCP 79.

Internet-Drafts are working documents of the Internet Engineering Task Force (IETF). Note that other groups may also distribute working documents as Internet-Drafts. The list of current Internet-Drafts is at https://datatracker.ietf.org/drafts/current/.

Internet-Drafts are draft documents valid for a maximum of six months and may be updated, replaced, or obsoleted by other documents at any time. It is inappropriate to use Internet-Drafts as reference material or to cite them other than as "work in progress."

This Internet-Draft will expire on 3 October 2024.

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Table of Contents

1. Scope

The scope of this document is intended to be limited to the resource server endpoints related to banking, and their associated authorisation contexts.

2. Terminology

This specification utilises the various terms outlined within [DATARIGHTPLUS-ROSETTA].

3. Providers

Providers which providing banking services are expected to deliver a number of resource server end points.

3.1. Authorisation Server

In addition to other provisions incorporated within the relevant ecosystem set, the Provider authorisation server SHALL:

  1. Support the [RFC6749] scope parameter with possible values outlined within Authorisation Scopes;

3.1.1. Authorisation Scopes

The Provider authorisation server SHALL utilise the following Data Set Language when seeking Consumer authorisation from a User for specific scope values:

Table 1
scope value Data Set Language
bank:accounts.basic:read Account name, type and balance
Name of account;
Type of account;
Account balance;
bank:accounts.detail:read Account numbers and features
Account number;
Interest rates;
Fees;
Discounts;
Account terms;
Account mail address;
bank:transactions:read Transaction details
Incoming and outgoing transactions;
Amounts;
Dates;
Descriptions of transactions;
Who you have sent money to and received money from; (e.g. their name)
bank:regular_payments:read Direct debits and scheduled payments
Direct debits;
Scheduled payments;
bank:payees:read Saved payees
Names and details of accounts you have saved; (e.g. their BSB and Account Number, BPAY CRN and Biller code, or NPP PayID)

3.2. Overlapping Scope Optimisation

Alternative Data Cluster Language SHALL be used when pairs of scope value are used as follows:

Table 2
scope pairing Data Set Language
bank:accounts.basic:read and Account balance and details
bank:accounts.detail:read Name of account;
Type of account;
Account balance;
Account number;
Interest rates;
Fees;
Discounts;
Account terms;
Account mail address;

3.3. Resource Server

The Provider SHALL make available, as described further in [DATARIGHTPLUS-REDOCLY-ID1] endpoints, the following endpoints where the token is granted the bank:accounts.basic:read scope value:

Table 3
Resource Server Endpoint x-v
GET /banking/accounts 1 and 2
GET /banking/accounts/balances 1
POST /banking/accounts/balances 1
GET /banking/accounts/{accountId}/balance 1

The Provider SHALL make available, as described further in [DATARIGHTPLUS-REDOCLY-ID1] endpoints, the following endpoints where the token is granted the bank:accounts.detail:read scope value:

Table 4
Resource Server Endpoint x-v
GET /banking/accounts/{accountId} 1, 2 and 3

The Provider SHALL make available, as described further in [DATARIGHTPLUS-REDOCLY-ID1] endpoints, the following endpoints where the token is granted the bank:regular_payments:read scope value:

Table 5
Resource Server Endpoint x-v
GET /banking/accounts/direct-debits 1
POST /banking/accounts/direct-debits 1
GET /banking/accounts/{accountId}/direct-debits 1
GET /banking/accounts/{accountId}/payments/scheduled 1
POST /banking/payments/scheduled 1
GET /banking/payments/scheduled 1

The Provider SHALL make available, as described further in [DATARIGHTPLUS-REDOCLY-ID1] endpoints, the following endpoints where the token is granted the bank:payees:read scope value:

Table 6
Resource Server Endpoint x-v
GET /banking/payees 2
GET /banking/payees/{payeeId} 1 and 2

The Provider SHALL make available, as described further in [DATARIGHTPLUS-REDOCLY-ID1] endpoints, the following endpoints where the token is granted the bank:transactions:read scope value:

Table 7
Resource Server Endpoint x-v
GET /banking/accounts/{accountId}/transactions 1
GET /banking/accounts/{accountId}/transactions/{transactionId} 1

In addition, the Provider SHALL deliver the following unauthenticated and generally available endpoints, in accordance with [DATARIGHTPLUS-REDOCLY-ID1]:

Table 8
Resource Server Endpoint x-v
GET /banking/products 2
GET /banking/products/{productId} 3 and 4

4. Initiators

Initiators SHALL describe the requested scope values using the same Data Set Language as Providers, as outlined in Authorisation Scopes.

5. Acknowledgement

The following people contributed to this document:

We acknowledge the contribution to the [CDS] of the following individuals:

6. Normative References

[CDS]
Data Standards Body (Treasury), "Consumer Data Standards (CDS)", <https://consumerdatastandardsaustralia.github.io/standards>.
[DATARIGHTPLUS-REDOCLY-ID1]
Low, S., Kolera, B., and W. Cai, "DataRight+: Redocly (ID1)", <https://datarightplus.github.io/datarightplus-redocly/?v=ID1>.
[DATARIGHTPLUS-ROSETTA]
Low, S., "DataRight+ Rosetta Stone", <https://datarightplus.github.io/datarightplus-rosetta/draft-authors-datarightplus-rosetta.html>.
[RFC2119]
Bradner, S., "Key words for use in RFCs to Indicate Requirement Levels", BCP 14, RFC 2119, DOI 10.17487/RFC2119, , <https://www.rfc-editor.org/info/rfc2119>.
[RFC6749]
Hardt, D., "The OAuth 2.0 Authorization Framework", , <https://datatracker.ietf.org/doc/html/rfc6749>.

Author's Address

Stuart Low
Biza.io