From 4728da4a3c7e902131fd4669f6e51ed8c5c5c73f Mon Sep 17 00:00:00 2001 From: Padma Jadav <147383171+Jadavpadma@users.noreply.github.com> Date: Thu, 8 Feb 2024 20:28:27 +0530 Subject: [PATCH] Added Balance And Cashflow Analytics Report Generation Api --- openbanking-us.yaml | 5161 ++++++++++++++++++++++++++++++++++++++++--- 1 file changed, 4902 insertions(+), 259 deletions(-) diff --git a/openbanking-us.yaml b/openbanking-us.yaml index a30deb5..e9520f4 100644 --- a/openbanking-us.yaml +++ b/openbanking-us.yaml @@ -10,7 +10,7 @@ info: name: API Support email: apisupport@mastercard.com url: 'https://developer.mastercard.com/open-banking-us/documentation/support/' - version: 1.14.1 + version: 1.15.0 servers: - url: 'https://api.finicity.com' description: Production @@ -2050,6 +2050,100 @@ paths: $ref: '#/components/responses/UnauthorizedErrorResponse' '404': $ref: '#/components/responses/ResourceNotFoundErrorResponse' + '/decisioning/v2/customers/{customerId}/reports/balance-analytics/userTypes/{userType}': + post: + tags: + - Balance Analytics + summary: Generate Balance Analytics Report - Personal/Business + description: >- + Generate a Balance Analytics Report for a given customer. This service + retrieves up to two years of transaction history from connected + accounts. + + + Balance Analytics analyzes bank balances over time to report metrics + and identify behavior that may indicate risk. + + + Before calling this API, A consumer or business may need to be created + for the given customer ID based on the user type (see Consumer/Business + APIs). + + + If no account type of checking or savings is found, the service will + return HTTP 400 Bad Request. + + + This is a premium service, billable per every successful API call for + non-testing customers. A successful call to this API will generate + analytics report which can be retrieved via Get Report by Customer or + Get Report by Consumer. + + + _Supported regions_: ![🇺🇸](https://flagcdn.com/20x15/us.png) + operationId: GenerateBalanceAnalyticsReport + parameters: + - $ref: '#/components/parameters/CustomerIdParameter' + - $ref: '#/components/parameters/UserTypeParameter' + - $ref: '#/components/parameters/ReportCallbackUrlParameter' + requestBody: + $ref: '#/components/requestBodies/GenerateBalanceAnalyticsReportRequest' + responses: + '202': + $ref: '#/components/responses/GenerateBalanceAnalyticsReportResponse' + '400': + $ref: '#/components/responses/BadRequestErrorResponse' + '401': + $ref: '#/components/responses/UnauthorizedErrorResponse' + '404': + $ref: '#/components/responses/ResourceNotFoundErrorResponse' + '/decisioning/v2/customers/{customerId}/reports/cashflow-analytics/userTypes/{userType}': + post: + tags: + - Cash Flow Analytics + summary: Generate Cashflow Analytics Report - Personal/Business + description: >- + Generate a Cashflow Analytics Report for a given customer. This service + retrieves up to two years of transaction history from connected + accounts. + + + Cashflow Analytics analyzes transaction over time to report metrics and + identify behavior that may indicate risk. + + + Before calling this API, A consumer or business may need to be created + for the given customer ID based on the user type (see Consumer/Business + APIs). + + + If no account type of checking or savings is found, the service will + return HTTP 400 Bad Request. + + + This is a premium service, billable per every successful API call for + non-testing customers. A successful call to this API will generate + analytics report which can be retrieved via Get Report by Customer or + Get Report by Consumer. + + + _Supported regions_: ![🇺🇸](https://flagcdn.com/20x15/us.png) + operationId: GenerateCashflowAnalyticsReport + parameters: + - $ref: '#/components/parameters/CustomerIdParameter' + - $ref: '#/components/parameters/UserTypeParameter' + - $ref: '#/components/parameters/ReportCallbackUrlParameter' + requestBody: + $ref: '#/components/requestBodies/GenerateCashflowAnalyticsReportRequest' + responses: + '202': + $ref: '#/components/responses/GenerateCashflowAnalyticsReportResponse' + '400': + $ref: '#/components/responses/BadRequestErrorResponse' + '401': + $ref: '#/components/responses/UnauthorizedErrorResponse' + '404': + $ref: '#/components/responses/ResourceNotFoundErrorResponse' '/aggregation/v1/customers/{customerId}/payStatements': post: tags: @@ -3529,6 +3623,40 @@ components: examples: GenerateStatementReportRequestExample: $ref: '#/components/examples/GenerateStatementReportRequestExample' + GenerateBalanceAnalyticsReportRequest: + required: true + content: + application/json: + schema: + $ref: '#/components/schemas/AnalyticsReportConstraints' + examples: + GenerateBalanceBusinessCraAnalyticsReportRequestExample: + $ref: '#/components/examples/GenerateBalanceBusinessCraAnalyticsReportRequestExample' + GenerateBalanceBusinessNonCraAnalyticsReportRequestExample: + $ref: '#/components/examples/GenerateBalanceBusinessNonCraAnalyticsReportRequestExample' + GenerateBalanceBusinessFtcAnalyticsReportRequestExample: + $ref: '#/components/examples/GenerateBalanceBusinessFtcAnalyticsReportRequestExample' + GenerateBalancePersonalCraAnalyticsReportRequestExample: + $ref: '#/components/examples/GenerateBalancePersonalCraAnalyticsReportRequestExample' + GenerateBalancePersonalNonCraAnalyticsReportRequestExample: + $ref: '#/components/examples/GenerateBalancePersonalNonCraAnalyticsReportRequestExample' + GenerateCashflowAnalyticsReportRequest: + required: true + content: + application/json: + schema: + $ref: '#/components/schemas/AnalyticsReportConstraints' + examples: + GenerateCashflowBusinessCraAnalyticsReportRequestExample: + $ref: '#/components/examples/GenerateCashflowBusinessCraAnalyticsReportRequestExample' + GenerateCashflowBusinessNonCraAnalyticsReportRequestExample: + $ref: '#/components/examples/GenerateCashflowBusinessNonCraAnalyticsReportRequestExample' + GenerateCashflowBusinessFtcAnalyticsReportRequestExample: + $ref: '#/components/examples/GenerateCashflowBusinessFtcAnalyticsReportRequestExample' + GenerateCashflowPersonalCraAnalyticsReportRequestExample: + $ref: '#/components/examples/GenerateCashflowPersonalCraAnalyticsReportRequestExample' + GenerateCashflowPersonalNonCraAnalyticsReportRequestExample: + $ref: '#/components/examples/GenerateCashflowPersonalNonCraAnalyticsReportRequestExample' CreateTxPushTestTransactionRequest: required: true content: @@ -3939,6 +4067,70 @@ components: examples: GenerateVOIReportResponseExample: $ref: '#/components/examples/GenerateVOIReportResponseExample' + GenerateBalanceAnalyticsReportResponse: + description: >- + The report is being generated. When finished, a notification will be + sent to the specified callback URL (Report Listener Service) and the + report can be fetched using Get Report APIs. If you don't use a callback + URL, Get Report returns a minimal report with the following status: + 'inProgress'. Repeat the call every 20 seconds until Get Report returns + a different status. + headers: + Location: + schema: + type: string + description: >- + Please Check the Report status at URL + /decisioning/v4/consumers/{consumer_id}/reports/{report_id} + /decisioning/v4/customers/{customer_id}/reports/{report_id} + example: '/decisioning/v4/customers/567890/reports/sd1j45yn37wr-barpnoncra' + content: + application/json: + schema: + $ref: '#/components/schemas/AnalyticsReportAck' + examples: + GenerateBalanceBusinessCraAnalyticsReportResponseExample: + $ref: '#/components/examples/GenerateBalanceBusinessCraAnalyticsReportResponseExample' + GenerateBalanceBusinessNonCraAnalyticsReportResponseExample: + $ref: '#/components/examples/GenerateBalanceBusinessNonCraAnalyticsReportResponseExample' + GenerateBalanceBusinessFtcAnalyticsReportResponseExample: + $ref: '#/components/examples/GenerateBalanceBusinessFtcAnalyticsReportResponseExample' + GenerateBalancePersonalCraAnalyticsReportResponseExample: + $ref: '#/components/examples/GenerateBalancePersonalCraAnalyticsReportResponseExample' + GenerateBalancePersonalNonCraAnalyticsReportResponseExample: + $ref: '#/components/examples/GenerateBalancePersonalNonCraAnalyticsReportResponseExample' + GenerateCashflowAnalyticsReportResponse: + description: >- + The report is being generated. When finished, a notification will be + sent to the specified callback URL (Report Listener Service) and the + report can be fetched using Get Report APIs. If you don't use a callback + URL, Get Report returns a minimal report with the following status: + 'inProgress'. Repeat the call every 20 seconds until Get Report returns + a different status. + headers: + Location: + schema: + type: string + description: >- + Please Check the Report status at URL + /decisioning/v4/consumers/{consumer_id}/reports/{report_id} + /decisioning/v4/customers/{customer_id}/reports/{report_id} + example: '/decisioning/v4/customers/567890/reports/sd1j45yn37wr-cfrpnoncra' + content: + application/json: + schema: + $ref: '#/components/schemas/AnalyticsReportAck' + examples: + GenerateCashflowBusinessCraAnalyticsReportResponseExample: + $ref: '#/components/examples/GenerateCashflowBusinessCraAnalyticsReportResponseExample' + GenerateCashflowBusinessNonCraAnalyticsReportResponseExample: + $ref: '#/components/examples/GenerateCashflowBusinessNonCraAnalyticsReportResponseExample' + GenerateCashflowBusinessFtcAnalyticsReportResponseExample: + $ref: '#/components/examples/GenerateCashflowBusinessFtcAnalyticsReportResponseExample' + GenerateCashflowPersonalCraAnalyticsReportResponseExample: + $ref: '#/components/examples/GenerateCashflowPersonalCraAnalyticsReportResponseExample' + GenerateCashflowPersonalNonCraAnalyticsReportResponseExample: + $ref: '#/components/examples/GenerateCashflowPersonalNonCraAnalyticsReportResponseExample' GetReportResponse: description: The report was successfully retrieved content: @@ -3946,6 +4138,26 @@ components: schema: $ref: '#/components/schemas/Report' examples: + BalanceBusinessCraAnalyticsReportResponseExample: + $ref: '#/components/examples/BalanceBusinessCraAnalyticsReportResponseExample' + BalanceBusinessNonCraAnalyticsReportResponseExample: + $ref: '#/components/examples/BalanceBusinessNonCraAnalyticsReportResponseExample' + BalanceBusinessFtcAnalyticsReportResponseExample: + $ref: '#/components/examples/BalanceBusinessFtcAnalyticsReportResponseExample' + BalancePersonalCraAnalyticsReportResponseExample: + $ref: '#/components/examples/BalancePersonalCraAnalyticsReportResponseExample' + BalancePersonalNonCraAnalyticsReportResponseExample: + $ref: '#/components/examples/BalancePersonalNonCraAnalyticsReportResponseExample' + CashflowBusinessCraAnalyticsReportResponseExample: + $ref: '#/components/examples/CashflowBusinessCraAnalyticsReportResponseExample' + CashflowusinessNonCraAnalyticsReportResponseExample: + $ref: '#/components/examples/CashflowBusinessNonCraAnalyticsReportResponseExample' + CashflowBusinessFtcAnalyticsReportResponseExample: + $ref: '#/components/examples/CashflowBusinessFtcAnalyticsReportResponseExample' + CashflowPersonalCraAnalyticsReportResponseExample: + $ref: '#/components/examples/CashflowPersonalCraAnalyticsReportResponseExample' + CashflowPersonalNonCraAnalyticsReportResponseExample: + $ref: '#/components/examples/CashflowPersonalNonCraAnalyticsReportResponseExample' CashFlowPersonalReportExample: $ref: '#/components/examples/CashFlowPersonalReportExample' CashFlowBusinessReportExample: @@ -4936,45 +5148,14 @@ components: value: PSC Finance shown: false fromDate: 1580558400 - GenerateTransactionsReportResponseExample: - value: - id: dnuru2ua2trs-transactions - portfolioId: hupvwpdzr9dq-16-port - customerType: testing - customerId: 1000018865 - requestID: ky2nhsufhv - requesterName: Decisioning API Tests - createdDate: 1594678007 - title: Finicity Transactions Report - consumerId: a925b07c9e028c680ad9c1d18d2e7199 - consumerSsn: '6789' - constraints: - accountIds: - - '1000075473' - fromDate: 1578952809 - toDate: 1594677609 - includePending: true - reportCustomFields: - - label: loanID - value: '12345' - shown: true - - label: trackingID - value: '5555' - shown: true - - label: loanType - value: car - shown: false - - label: vendorID - value: 1613aa23 - shown: true - - label: vendorName - value: PSC Finance - shown: false - type: transactions - status: inProgress - GenerateVOAReportRequestExample: + GenerateBalanceBusinessCraAnalyticsReportRequestExample: value: - accountIds: '1000535275' + analyticsReportData: + forCraPurpose: true + applicantIsPersonalGuarantor: true + timeIntervalTypes: + - MONTHLY_CALENDAR + accountIds: '1000535275 1000535276' reportCustomFields: - label: loanID value: '12345' @@ -4991,48 +5172,14 @@ components: - label: vendorName value: PSC Finance shown: false - showNsf: false fromDate: 1580558400 - GenerateVOAReportResponseExample: - value: - id: u4hstnnak45g - portfolioId: dyr6qvqd2yhb-1-port - customerType: active - customerId: 1000006677 - requestId: sfb7xp439w - requesterName: Decisioning API - createdDate: 1588350269 - title: Finicity Verification of Assets - consumerId: ac39e237c7619a4ecf014b8d399c0696 - consumerSsn: '6789' - constraints: - accountIds: - - '1000535275' - - '1000535276' - fromDate: 1577986990 - showNsf: false - reportCustomFields: - - label: loanID - value: '12345' - shown: true - - label: trackingID - value: '5555' - shown: true - - label: loanType - value: car - shown: false - - label: vendorID - value: 1613aa23 - shown: true - - label: vendorName - value: PSC Finance - shown: false - type: voa - status: inProgress - GenerateVOAWithIncomeReportRequestExample: + GenerateBalanceBusinessNonCraAnalyticsReportRequestExample: value: - accountIds: '1000535275' - fromDate: 1580558400 + analyticsReportData: + forCraPurpose: false + timeIntervalTypes: + - MONTHLY_CALENDAR + accountIds: '1000535275 1000535276' reportCustomFields: - label: loanID value: '12345' @@ -5049,48 +5196,63 @@ components: - label: vendorName value: PSC Finance shown: false - showNsf: false - incomeStreamConfidenceMinimum: 50 - GenerateVOAWithIncomeReportResponseExample: + fromDate: 1580558400 + GenerateBalanceBusinessFtcAnalyticsReportRequestExample: value: - id: u4hstnyak45g - portfolioId: dyr6weqd2yhb-1-port - customerType: active - customerId: 1000006677 - requestId: sfb7x1we9w - requesterName: Decisioning API - createdDate: 1588350269 - title: Verification of Asset and Income - Transactions - consumerId: ac39e237c7619a4ecf014b8d399c0696 - consumerSsn: '6789' - constraints: - accountIds: - - '1000535275' - fromDate: 1580558400 - reportCustomFields: - - label: loanID - value: '12345' - shown: true - - label: trackingID - value: '5555' - shown: true - - label: loanType - value: car - shown: false - - label: vendorID - value: 1613aa23 - shown: true - - label: vendorName - value: PSC Finance - shown: false - showNsf: false - incomeStreamConfidenceMinimum: 50 - type: voaHistory - status: inProgress - GeneratePrequalificationReportRequestExample: + analyticsReportData: + forCraPurpose: true + applicantIsPersonalGuarantor: false + timeIntervalTypes: + - MONTHLY_CALENDAR + accountIds: '1000535275 1000535276' + reportCustomFields: + - label: loanID + value: '12345' + shown: true + - label: trackingID + value: '5555' + shown: true + - label: loanType + value: car + shown: false + - label: vendorID + value: 1613aa23 + shown: true + - label: vendorName + value: PSC Finance + shown: false + fromDate: 1580558400 + GenerateBalancePersonalCraAnalyticsReportRequestExample: value: - accountIds: '1000535275' + analyticsReportData: + forCraPurpose: true + timeIntervalTypes: + - MONTHLY_CALENDAR + accountIds: '1000535275 1000535276' + reportCustomFields: + - label: loanID + value: '12345' + shown: true + - label: trackingID + value: '5555' + shown: true + - label: loanType + value: car + shown: false + - label: vendorID + value: 1613aa23 + shown: true + - label: vendorName + value: PSC Finance + shown: false fromDate: 1580558400 + GenerateBalancePersonalNonCraAnalyticsReportRequestExample: + value: + analyticsReportData: + forCraPurpose: false + timeIntervalTypes: + - MONTHLY_CALENDAR + accountIds: '1000535275 1000535276' reportCustomFields: - label: loanID value: '12345' @@ -5107,24 +5269,147 @@ components: - label: vendorName value: PSC Finance shown: false - showNsf: false - GeneratePrequalificationCRAReportResponseExample: + fromDate: 1580558400 + GenerateCashflowBusinessCraAnalyticsReportRequestExample: value: - id: 88w4fbssrbja-prequalvoa - portfolioId: 0whcism47a34-5-port - customerType: active - customerId: 1000006677 - requestId: sfb7xacr9w - requesterName: Decisioning API - createdDate: 1588350269 - title: Asset Ready Report (CRA) - consumerId: cb619e10185177cd92271c4da2df3fa3 + analyticsReportData: + forCraPurpose: true + applicantIsPersonalGuarantor: true + timeIntervalTypes: + - MONTHLY_CALENDAR + accountIds: '1000535275 1000535276' + reportCustomFields: + - label: loanID + value: '12345' + shown: true + - label: trackingID + value: '5555' + shown: true + - label: loanType + value: car + shown: false + - label: vendorID + value: 1613aa23 + shown: true + - label: vendorName + value: PSC Finance + shown: false + fromDate: 1580558400 + GenerateCashflowBusinessNonCraAnalyticsReportRequestExample: + value: + analyticsReportData: + forCraPurpose: false + timeIntervalTypes: + - MONTHLY_CALENDAR + accountIds: '1000535275 1000535276' + reportCustomFields: + - label: loanID + value: '12345' + shown: true + - label: trackingID + value: '5555' + shown: true + - label: loanType + value: car + shown: false + - label: vendorID + value: 1613aa23 + shown: true + - label: vendorName + value: PSC Finance + shown: false + fromDate: 1580558400 + GenerateCashflowBusinessFtcAnalyticsReportRequestExample: + value: + analyticsReportData: + forCraPurpose: true + applicantIsPersonalGuarantor: false + timeIntervalTypes: + - MONTHLY_CALENDAR + accountIds: '1000535275 1000535276' + reportCustomFields: + - label: loanID + value: '12345' + shown: true + - label: trackingID + value: '5555' + shown: true + - label: loanType + value: car + shown: false + - label: vendorID + value: 1613aa23 + shown: true + - label: vendorName + value: PSC Finance + shown: false + fromDate: 1580558400 + GenerateCashflowPersonalCraAnalyticsReportRequestExample: + value: + analyticsReportData: + forCraPurpose: true + timeIntervalTypes: + - MONTHLY_CALENDAR + accountIds: '1000535275 1000535276' + reportCustomFields: + - label: loanID + value: '12345' + shown: true + - label: trackingID + value: '5555' + shown: true + - label: loanType + value: car + shown: false + - label: vendorID + value: 1613aa23 + shown: true + - label: vendorName + value: PSC Finance + shown: false + fromDate: 1580558400 + GenerateCashflowPersonalNonCraAnalyticsReportRequestExample: + value: + analyticsReportData: + forCraPurpose: false + timeIntervalTypes: + - MONTHLY_CALENDAR + accountIds: '1000535275 1000535276' + reportCustomFields: + - label: loanID + value: '12345' + shown: true + - label: trackingID + value: '5555' + shown: true + - label: loanType + value: car + shown: false + - label: vendorID + value: 1613aa23 + shown: true + - label: vendorName + value: PSC Finance + shown: false + fromDate: 1580558400 + GenerateTransactionsReportResponseExample: + value: + id: dnuru2ua2trs-transactions + portfolioId: hupvwpdzr9dq-16-port + customerType: testing + customerId: 1000018865 + requestID: ky2nhsufhv + requesterName: Decisioning API Tests + createdDate: 1594678007 + title: Finicity Transactions Report + consumerId: a925b07c9e028c680ad9c1d18d2e7199 consumerSsn: '6789' constraints: accountIds: - - '1000535275' - - '1000535276' - fromDate: 1577986990 + - '1000075473' + fromDate: 1578952809 + toDate: 1594677609 + includePending: true reportCustomFields: - label: loanID value: '12345' @@ -5141,24 +5426,47 @@ components: - label: vendorName value: PSC Finance shown: false - showNsf: false - type: preQualVoa + type: transactions status: inProgress - GeneratePrequalificationNonCRAReportResponseExample: + GenerateVOAReportRequestExample: value: - id: rceiqx616awa-assetsummary - portfolioId: 0whcism47ttt-5-port + accountIds: '1000535275' + reportCustomFields: + - label: loanID + value: '12345' + shown: true + - label: trackingID + value: '5555' + shown: true + - label: loanType + value: car + shown: false + - label: vendorID + value: 1613aa23 + shown: true + - label: vendorName + value: PSC Finance + shown: false + showNsf: false + fromDate: 1580558400 + GenerateVOAReportResponseExample: + value: + id: u4hstnnak45g + portfolioId: dyr6qvqd2yhb-1-port customerType: active customerId: 1000006677 - requestId: sfb7xp4iui + requestId: sfb7xp439w requesterName: Decisioning API createdDate: 1588350269 - title: Asset Ready Report (NON-CRA) + title: Finicity Verification of Assets + consumerId: ac39e237c7619a4ecf014b8d399c0696 + consumerSsn: '6789' constraints: accountIds: - '1000535275' - '1000535276' fromDate: 1577986990 + showNsf: false reportCustomFields: - label: loanID value: '12345' @@ -5175,13 +5483,11 @@ components: - label: vendorName value: PSC Finance shown: false - showNsf: false - type: assetSummary + type: voa status: inProgress - GenerateVOETransactionsReportRequestExample: + GenerateVOAWithIncomeReportRequestExample: value: - reportId: j7k8qbgwsa7d-voietxverify - accountIds: '123456789' + accountIds: '1000535275' fromDate: 1580558400 reportCustomFields: - label: loanID @@ -5199,21 +5505,24 @@ components: - label: vendorName value: PSC Finance shown: false + showNsf: false incomeStreamConfidenceMinimum: 50 - GenerateVOETransactionsReportResponseExample: + GenerateVOAWithIncomeReportResponseExample: value: - id: u4hstny1k25g-voetransactions - portfolioId: dyr6weqd2yhb-2-port + id: u4hstnyak45g + portfolioId: dyr6weqd2yhb-1-port customerType: active customerId: 1000006677 requestId: sfb7x1we9w requesterName: Decisioning API createdDate: 1588350269 - title: Finicity Verification Employment - Transactions + title: Verification of Asset and Income - Transactions consumerId: ac39e237c7619a4ecf014b8d399c0696 consumerSsn: '6789' constraints: - reportId: j7k8qbgwsa7d-voietxverify + accountIds: + - '1000535275' + fromDate: 1580558400 reportCustomFields: - label: loanID value: '12345' @@ -5230,73 +5539,220 @@ components: - label: vendorName value: PSC Finance shown: false - type: voeTransactions + showNsf: false + incomeStreamConfidenceMinimum: 50 + type: voaHistory status: inProgress - GenerateVOIEPaystubReportRequestExample: + GeneratePrequalificationReportRequestExample: value: - voieWithStatementData: - assetIds: - - d50ed92f-543b-431c-8286-c8b8f6556679 + accountIds: '1000535275' + fromDate: 1580558400 reportCustomFields: - label: loanID - value: '123456' + value: '12345' shown: true - label: trackingID value: '5555' shown: true - GenerateVOIEPaystubReportResponseExample: + - label: loanType + value: car + shown: false + - label: vendorID + value: 1613aa23 + shown: true + - label: vendorName + value: PSC Finance + shown: false + showNsf: false + GeneratePrequalificationCRAReportResponseExample: value: - id: 2f3z55zuwewm-voietxverify - portfolioId: 9qud7dtuzbew-13-port + id: 88w4fbssrbja-prequalvoa + portfolioId: 0whcism47a34-5-port customerType: active - customerId: 1275320 - requestId: 7a7qyps2iy + customerId: 1000006677 + requestId: sfb7xacr9w requesterName: Decisioning API - createdDate: 1579819592 - title: Verification of Income and Employment - Paystub - consumerId: 3f7ff2cf0ffb3d0cd59875e070c9b1d4 + createdDate: 1588350269 + title: Asset Ready Report (CRA) + consumerId: cb619e10185177cd92271c4da2df3fa3 consumerSsn: '6789' constraints: - voieWithStatementData: - assetIds: - - d50ed92f-543b-431c-8286-c8b8f6556679 - extractEarnings: true - extractDeductions: false - extractDirectDeposit: true + accountIds: + - '1000535275' + - '1000535276' + fromDate: 1577986990 reportCustomFields: - label: loanID - value: '123456' + value: '12345' shown: true - label: trackingID value: '5555' shown: true - type: voieTxVerify + - label: loanType + value: car + shown: false + - label: vendorID + value: 1613aa23 + shown: true + - label: vendorName + value: PSC Finance + shown: false + showNsf: false + type: preQualVoa status: inProgress - GenerateVOIEPaystubWithTXVerifyReportRequestExample: - value: - accountIds: '1028361677' - voieWithInterviewData: - txVerifyInterview: - - assetId: 7eb57060-6d98-4449-992d-4dd4490448f3-1236011097 - reportCustomFields: - - label: loanID - value: '123456' - shown: true - GenerateVOIEPaystubWithTXVerifyReportResponseExample: + GeneratePrequalificationNonCRAReportResponseExample: value: - id: 2f3z55zuwewm-voietxverify - customerId: 1275320 - consumerId: 3f7ff2cf0ffb3d0cd59875e070c9b1d4 - consumerSsn: '6789' + id: rceiqx616awa-assetsummary + portfolioId: 0whcism47ttt-5-port + customerType: active + customerId: 1000006677 + requestId: sfb7xp4iui requesterName: Decisioning API - requestId: 7a7qyps2iy - type: voieTxVerify - status: inProgress - createdDate: 1579819592 + createdDate: 1588350269 + title: Asset Ready Report (NON-CRA) constraints: accountIds: - '1000535275' - voieWithInterviewData: + - '1000535276' + fromDate: 1577986990 + reportCustomFields: + - label: loanID + value: '12345' + shown: true + - label: trackingID + value: '5555' + shown: true + - label: loanType + value: car + shown: false + - label: vendorID + value: 1613aa23 + shown: true + - label: vendorName + value: PSC Finance + shown: false + showNsf: false + type: assetSummary + status: inProgress + GenerateVOETransactionsReportRequestExample: + value: + reportId: j7k8qbgwsa7d-voietxverify + accountIds: '123456789' + fromDate: 1580558400 + reportCustomFields: + - label: loanID + value: '12345' + shown: true + - label: trackingID + value: '5555' + shown: true + - label: loanType + value: car + shown: false + - label: vendorID + value: 1613aa23 + shown: true + - label: vendorName + value: PSC Finance + shown: false + incomeStreamConfidenceMinimum: 50 + GenerateVOETransactionsReportResponseExample: + value: + id: u4hstny1k25g-voetransactions + portfolioId: dyr6weqd2yhb-2-port + customerType: active + customerId: 1000006677 + requestId: sfb7x1we9w + requesterName: Decisioning API + createdDate: 1588350269 + title: Finicity Verification Employment - Transactions + consumerId: ac39e237c7619a4ecf014b8d399c0696 + consumerSsn: '6789' + constraints: + reportId: j7k8qbgwsa7d-voietxverify + reportCustomFields: + - label: loanID + value: '12345' + shown: true + - label: trackingID + value: '5555' + shown: true + - label: loanType + value: car + shown: false + - label: vendorID + value: 1613aa23 + shown: true + - label: vendorName + value: PSC Finance + shown: false + type: voeTransactions + status: inProgress + GenerateVOIEPaystubReportRequestExample: + value: + voieWithStatementData: + assetIds: + - d50ed92f-543b-431c-8286-c8b8f6556679 + reportCustomFields: + - label: loanID + value: '123456' + shown: true + - label: trackingID + value: '5555' + shown: true + GenerateVOIEPaystubReportResponseExample: + value: + id: 2f3z55zuwewm-voietxverify + portfolioId: 9qud7dtuzbew-13-port + customerType: active + customerId: 1275320 + requestId: 7a7qyps2iy + requesterName: Decisioning API + createdDate: 1579819592 + title: Verification of Income and Employment - Paystub + consumerId: 3f7ff2cf0ffb3d0cd59875e070c9b1d4 + consumerSsn: '6789' + constraints: + voieWithStatementData: + assetIds: + - d50ed92f-543b-431c-8286-c8b8f6556679 + extractEarnings: true + extractDeductions: false + extractDirectDeposit: true + reportCustomFields: + - label: loanID + value: '123456' + shown: true + - label: trackingID + value: '5555' + shown: true + type: voieTxVerify + status: inProgress + GenerateVOIEPaystubWithTXVerifyReportRequestExample: + value: + accountIds: '1028361677' + voieWithInterviewData: + txVerifyInterview: + - assetId: 7eb57060-6d98-4449-992d-4dd4490448f3-1236011097 + reportCustomFields: + - label: loanID + value: '123456' + shown: true + GenerateVOIEPaystubWithTXVerifyReportResponseExample: + value: + id: 2f3z55zuwewm-voietxverify + customerId: 1275320 + consumerId: 3f7ff2cf0ffb3d0cd59875e070c9b1d4 + consumerSsn: '6789' + requesterName: Decisioning API + requestId: 7a7qyps2iy + type: voieTxVerify + status: inProgress + createdDate: 1579819592 + constraints: + accountIds: + - '1000535275' + voieWithInterviewData: txVerifyInterview: - assetId: 6f8fb0a0-e882-4f57-b672-cf53f1397581 accounts: [] @@ -6814,74 +7270,3696 @@ components: - EMPLOYER_NAME - INCOME_STREAM_PAYCHECK institutions: - id: 101732 - name: FinBank - urlHomeApp: https://finbank.prod.fini.city/CCBankImageMFA/login.jsp - accounts: - - id: 1000023996 - ownerName: JOHN DOE - ownerAddress: 924 GAINSVILLE HIGHWAY SUITE 130 BUFORD, GA 30518 - name: Checking - number: '1111' - type: checking - aggregationStatusCode: 0 - incomeStreams: - - id: dens28i3vsch-voietxverify - name: none - status: ACTIVE - confidence: 70 - cadence: - startDate: 1577986990 - stopDate: 1587986990 - days: 180 - netMonthly: - - month: 1522562400 - net: 2004.77 - netAnnual: 110475.7 - projectedNetAnnual: 0 - estimatedGrossAnnual: 0 - projectedGrossAnnual: 151609 - averageMonthlyIncomeNet: 9206.31 - incomeStreamMonths: 24 - transactions: - - id: 100000527471 - amount: 1802.22 - postedDate: 1559241000 - description: FINICITY INC PAYROLL - memo: Finicity amount credit - institutionTransactionId: '100000000' - category: Paycheck - balance: 123.45 - averageMonthlyBalance: 301.45 - transactions: - - id: 100000527471 - amount: 22.21 - postedDate: 1582286400 - description: FINICITY INC PAYROLL - memo: Finicity amount credit - investmentTransactionType: dividend - normalizedPayee: Finicity - institutionTransactionId: '100000000' - category: Paycheck - bestRepresentation: FINICITY INC PAYROLL - details: - interestMarginBalance: -50000 - availableCashBalance: 1500 - vestedBalance: 300000 - currentLoanBalance: 0 - availableBalanceAmount: 1000 - marginBalance: 100.00 - currentBalance: 1000.00 - position: - id: 637054 - currency: USD - symbol: MCD - securityName: Common Stock - units: 5 - marketValue: 1403.55 - currentPrice: 280.71 - securityType: Stock - availableBalance: 123.45 + id: 101732 + name: FinBank + urlHomeApp: https://finbank.prod.fini.city/CCBankImageMFA/login.jsp + accounts: + - id: 1000023996 + ownerName: JOHN DOE + ownerAddress: 924 GAINSVILLE HIGHWAY SUITE 130 BUFORD, GA 30518 + name: Checking + number: '1111' + type: checking + aggregationStatusCode: 0 + incomeStreams: + - id: dens28i3vsch-voietxverify + name: none + status: ACTIVE + confidence: 70 + cadence: + startDate: 1577986990 + stopDate: 1587986990 + days: 180 + netMonthly: + - month: 1522562400 + net: 2004.77 + netAnnual: 110475.7 + projectedNetAnnual: 0 + estimatedGrossAnnual: 0 + projectedGrossAnnual: 151609 + averageMonthlyIncomeNet: 9206.31 + incomeStreamMonths: 24 + transactions: + - id: 100000527471 + amount: 1802.22 + postedDate: 1559241000 + description: FINICITY INC PAYROLL + memo: Finicity amount credit + institutionTransactionId: '100000000' + category: Paycheck + balance: 123.45 + averageMonthlyBalance: 301.45 + transactions: + - id: 100000527471 + amount: 22.21 + postedDate: 1582286400 + description: FINICITY INC PAYROLL + memo: Finicity amount credit + investmentTransactionType: dividend + normalizedPayee: Finicity + institutionTransactionId: '100000000' + category: Paycheck + bestRepresentation: FINICITY INC PAYROLL + details: + interestMarginBalance: -50000 + availableCashBalance: 1500 + vestedBalance: 300000 + currentLoanBalance: 0 + availableBalanceAmount: 1000 + marginBalance: 100.00 + currentBalance: 1000.00 + position: + id: 637054 + currency: USD + symbol: MCD + securityName: Common Stock + units: 5 + marketValue: 1403.55 + currentPrice: 280.71 + securityType: Stock + availableBalance: 123.45 + GenerateBalanceBusinessCraAnalyticsReportResponseExample: + value: + id: sd1j45yn37wr-barbcra + customerType: active + customerId: 1275320 + requestId: 7a7qyps2iy + requesterName: Decisioning API + createdDate: 1579819592 + title: Mastercard Open Banking Balance Analytics + consumerId: 3f7ff2cf0ffb3d0cd59875e070c9b1d4 + consumerSsn: '1234' + businessDetails: + id: 123 + name: Name1 + address: + addressLine1: 2020 State Street + addressLine2: Suite 301 + city: Salt Lake City + state: Utah + country: USA + postalCode: 84116 + reportPin: '2398jk' + constraints: + analyticsReportData: + forCraPurpose: true + applicantIsPersonalGuarantor: true + timeIntervalTypes: + - MONTHLY_CALENDAR + accountIds: + - '1000535275' + - '1000535276' + fromDate: 1673034682 + reportCustomFields: + - label: loanID + value: '12345' + shown: true + - label: trackingID + value: '5555' + shown: true + - label: loanType + value: car + shown: false + - label: vendorID + value: 1613aa23 + shown: true + - label: vendorName + value: PSC Finance + shown: false + type: barbcra + status: inProgress + GenerateBalanceBusinessNonCraAnalyticsReportResponseExample: + value: + id: sd1j45yn37wr-barbnoncra + customerType: active + customerId: 1275320 + requestId: 7a7qyps2iy + requesterName: Decisioning API + createdDate: 1579819592 + title: Mastercard Open Banking Balance Analytics + businessDetails: + id: 123 + name: Name1 + address: + addressLine1: 2020 State Street + addressLine2: Suite 301 + city: Salt Lake City + state: Utah + country: USA + postalCode: 84116 + reportPin: '2398jk' + constraints: + analyticsReportData: + forCraPurpose: false + timeIntervalTypes: + - MONTHLY_CALENDAR + accountIds: + - '1000535275' + - '1000535276' + fromDate: 1673034682 + reportCustomFields: + - label: loanID + value: '12345' + shown: true + - label: trackingID + value: '5555' + shown: true + - label: loanType + value: car + shown: false + - label: vendorID + value: 1613aa23 + shown: true + - label: vendorName + value: PSC Finance + shown: false + type: barbnoncra + status: inProgress + GenerateBalanceBusinessFtcAnalyticsReportResponseExample: + value: + id: sd1j45yn37wr-barbftc + customerType: active + customerId: 1275320 + requestId: 7a7qyps2iy + requesterName: Decisioning API + createdDate: 1579819592 + title: Mastercard Open Banking Balance Analytics + businessDetails: + id: 123 + name: Name1 + address: + addressLine1: 2020 State Street + addressLine2: Suite 301 + city: Salt Lake City + state: Utah + country: USA + postalCode: 84116 + reportPin: '2398jk' + constraints: + analyticsReportData: + forCraPurpose: true + applicantIsPersonalGuarantor: false + timeIntervalTypes: + - MONTHLY_CALENDAR + accountIds: + - '1000535275' + - '1000535276' + fromDate: 1673034682 + reportCustomFields: + - label: loanID + value: '12345' + shown: true + - label: trackingID + value: '5555' + shown: true + - label: loanType + value: car + shown: false + - label: vendorID + value: 1613aa23 + shown: true + - label: vendorName + value: PSC Finance + shown: false + type: barbftc + status: inProgress + GenerateBalancePersonalCraAnalyticsReportResponseExample: + value: + id: sd1j45yn37wr-barpcra + customerType: active + customerId: 1275320 + requestId: 7a7qyps2iy + requesterName: Decisioning API + createdDate: 1579819592 + title: Mastercard Open Banking Balance Analytics + consumerId: 3f7ff2cf0ffb3d0cd59875e070c9b1d4 + consumerSsn: '1234' + constraints: + analyticsReportData: + forCraPurpose: true + timeIntervalTypes: + - MONTHLY_CALENDAR + accountIds: + - '1000535275' + - '1000535276' + fromDate: 1673034682 + reportCustomFields: + - label: loanID + value: '12345' + shown: true + - label: trackingID + value: '5555' + shown: true + - label: loanType + value: car + shown: false + - label: vendorID + value: 1613aa23 + shown: true + - label: vendorName + value: PSC Finance + shown: false + type: barpcra + status: inProgress + GenerateBalancePersonalNonCraAnalyticsReportResponseExample: + value: + id: sd1j45yn37wr-barpnoncra + customerType: active + customerId: 1275320 + requestId: 7a7qyps2iy + requesterName: Decisioning API + createdDate: 1579819592 + title: Mastercard Open Banking Balance Analytics + constraints: + analyticsReportData: + forCraPurpose: false + timeIntervalTypes: + - MONTHLY_CALENDAR + accountIds: + - '1000535275' + - '1000535276' + fromDate: 1673034682 + reportCustomFields: + - label: loanID + value: '12345' + shown: true + - label: trackingID + value: '5555' + shown: true + - label: loanType + value: car + shown: false + - label: vendorID + value: 1613aa23 + shown: true + - label: vendorName + value: PSC Finance + shown: false + type: barpnoncra + status: inProgress + GenerateCashflowBusinessCraAnalyticsReportResponseExample: + value: + id: sd1j45yn37wr-cfrbcra + customerType: active + customerId: 1275320 + requestId: 7a7qyps2iy + requesterName: Decisioning API + createdDate: 1579819592 + title: Mastercard Open Banking Cash Flow Analytics + consumerId: 3f7ff2cf0ffb3d0cd59875e070c9b1d4 + consumerSsn: '1234' + businessDetails: + id: 123 + name: Name1 + address: + addressLine1: 2020 State Street + addressLine2: Suite 301 + city: Salt Lake City + state: Utah + country: USA + postalCode: 84116 + reportPin: '2398jk' + constraints: + analyticsReportData: + forCraPurpose: true + applicantIsPersonalGuarantor: true + timeIntervalTypes: + - MONTHLY_CALENDAR + accountIds: + - '1000535275' + - '1000535276' + fromDate: 1673034682 + reportCustomFields: + - label: loanID + value: '12345' + shown: true + - label: trackingID + value: '5555' + shown: true + - label: loanType + value: car + shown: false + - label: vendorID + value: 1613aa23 + shown: true + - label: vendorName + value: PSC Finance + shown: false + type: barbcra + status: inProgress + GenerateCashflowBusinessNonCraAnalyticsReportResponseExample: + value: + id: sd1j45yn37wr-cfrbnoncra + customerType: active + customerId: 1275320 + requestId: 7a7qyps2iy + requesterName: Decisioning API + createdDate: 1579819592 + title: Mastercard Open Banking Cash Flow Analytics + businessDetails: + id: 123 + name: Name1 + address: + addressLine1: 2020 State Street + addressLine2: Suite 301 + city: Salt Lake City + state: Utah + country: USA + postalCode: 84116 + reportPin: '2398jk' + constraints: + analyticsReportData: + forCraPurpose: false + timeIntervalTypes: + - MONTHLY_CALENDAR + accountIds: + - '1000535275' + - '1000535276' + fromDate: 1673034682 + reportCustomFields: + - label: loanID + value: '12345' + shown: true + - label: trackingID + value: '5555' + shown: true + - label: loanType + value: car + shown: false + - label: vendorID + value: 1613aa23 + shown: true + - label: vendorName + value: PSC Finance + shown: false + type: barbnoncra + status: inProgress + GenerateCashflowBusinessFtcAnalyticsReportResponseExample: + value: + id: sd1j45yn37wr-cfrbftc + customerType: active + customerId: 1275320 + requestId: 7a7qyps2iy + requesterName: Decisioning API + createdDate: 1579819592 + title: Mastercard Open Banking Cash Flow Analytics + businessDetails: + id: 123 + name: Name1 + address: + addressLine1: 2020 State Street + addressLine2: Suite 301 + city: Salt Lake City + state: Utah + country: USA + postalCode: 84116 + reportPin: '2398jk' + constraints: + analyticsReportData: + forCraPurpose: true + applicantIsPersonalGuarantor: false + timeIntervalTypes: + - MONTHLY_CALENDAR + accountIds: + - '1000535275' + - '1000535276' + fromDate: 1673034682 + reportCustomFields: + - label: loanID + value: '12345' + shown: true + - label: trackingID + value: '5555' + shown: true + - label: loanType + value: car + shown: false + - label: vendorID + value: 1613aa23 + shown: true + - label: vendorName + value: PSC Finance + shown: false + type: barbftc + status: inProgress + GenerateCashflowPersonalCraAnalyticsReportResponseExample: + value: + id: sd1j45yn37wr-cfrpcra + customerType: active + customerId: 1275320 + requestId: 7a7qyps2iy + requesterName: Decisioning API + createdDate: 1579819592 + title: Mastercard Open Banking Cash Flow Analytics + consumerId: 3f7ff2cf0ffb3d0cd59875e070c9b1d4 + consumerSsn: '1234' + constraints: + analyticsReportData: + forCraPurpose: true + timeIntervalTypes: + - MONTHLY_CALENDAR + accountIds: + - '1000535275' + - '1000535276' + fromDate: 1673034682 + reportCustomFields: + - label: loanID + value: '12345' + shown: true + - label: trackingID + value: '5555' + shown: true + - label: loanType + value: car + shown: false + - label: vendorID + value: 1613aa23 + shown: true + - label: vendorName + value: PSC Finance + shown: false + type: barpcra + status: inProgress + GenerateCashflowPersonalNonCraAnalyticsReportResponseExample: + value: + id: sd1j45yn37wr-cfrpnoncra + customerType: active + customerId: 1275320 + requestId: 7a7qyps2iy + requesterName: Decisioning API + createdDate: 1579819592 + title: Mastercard Open Banking Cash Flow Analytics + constraints: + analyticsReportData: + forCraPurpose: false + timeIntervalTypes: + - MONTHLY_CALENDAR + accountIds: + - '1000535275' + - '1000535276' + fromDate: 1673034682 + reportCustomFields: + - label: loanID + value: '12345' + shown: true + - label: trackingID + value: '5555' + shown: true + - label: loanType + value: car + shown: false + - label: vendorID + value: 1613aa23 + shown: true + - label: vendorName + value: PSC Finance + shown: false + type: barpnoncra + status: inProgress + BalanceBusinessCraAnalyticsReportResponseExample: + value: + id: sd1j45yn37wr-barbcra + customerType: active + customerId: 1275320 + requestId: 7a7qyps2iy + requesterName: Decisioning API + title: Mastercard Open Banking Balance Analytics + consumerId: 3f7ff2cf0ffb3d0cd59875e070c9b1d4 + consumerSsn: '1234' + businessDetails: + id: 123 + name: Name1 + address: + addressLine1: 2020 State Street + addressLine2: Suite 301 + city: Salt Lake City + state: Utah + country: USA + postalCode: 84116 + reportPin: '2398jk' + constraints: + analyticsReportData: + forCraPurpose: true + applicantIsPersonalGuarantor: true + timeIntervalTypes: + - MONTHLY_CALENDAR + type: barbcra + status: success + createdDate: 1579819592 + startDate: 1512594823 + endDate: 1575666823 + days: 730 + institutions: + - id: '102105' + name: FinBank Profiles + urlHomeApp: http://www.finbank.com + accounts: + - id: '1111' + ownerName: PATRICK & LORRAINE PURCHASER + ownerAddress: 7195 BELMONT ST. PARLIN, NJ 08859 + name: Checking + number: XX1111 + type: checking + aggregationStatusCode: '0' + currentBalance: 100000 + availableBalance: 1000 + balanceDate: 1614880526 + transactions: + - id: '00000001' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + - id: '00000002' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + - id: '00000003' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + - id: '00000004' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + analytics: + - transactionalAttributes: [] + stateAttributes: + - attributeName: ASSET_BALANCE + reportedByTimePeriods: + - timeIntervalType: MONTHLY_CALENDAR + periods: + - startDate: '2023-02-05' + endDate: '2023-02-28' + sum: 75517.99999999997 + count: 24 + mean: 3146.583333333333 + median: 3145.2 + min: 3145.2 + max: 3178.4 + standardDeviation: 6.776921621700182 + beginningValue: 3145.2 + endingValue: 3178.4 + - startDate: '2023-03-01' + endDate: '2023-03-31' + sum: 95350.54000000005 + count: 31 + mean: 3075.823870967742 + median: 3178.4 + min: 2946.3 + max: 3329.22 + standardDeviation: 132.58604314877732 + beginningValue: 3178.4 + endingValue: 3329.22 + streams: + - id: 2b96f6d4-4882-4db2-96c6-f89530a68f1c + payor: TD AMERITRADE + payee: John Smith + cadence: 15 + recency: 124 + transactionIds: + - '00000003' + - '00000004' + - '00000001' + - id: dafc9b5d-762d-4f91-a429-f80573944bcd + payor: John Smith + payee: TD AMERITRADE + cadence: 0 + recency: 139 + transactionIds: + - '00000002' + - id: '2222' + ownerName: PATRICK & LORRAINE PURCHASER + ownerAddress: 7195 BELMONT ST. PARLIN, NJ 08859 + name: Checking + number: XX1111 + type: checking + aggregationStatusCode: '0' + currentBalance: 100000 + availableBalance: 1000 + balanceDate: 1614880526 + transactions: + - id: '00000005' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + - id: '00000006' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + - id: '00000007' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + - id: '00000008' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + analytics: + - transactionalAttributes: [] + stateAttributes: + - attributeName: ASSET_BALANCE + reportedByTimePeriods: + - timeIntervalType: MONTHLY_CALENDAR + periods: + - startDate: '2023-02-05' + endDate: '2023-02-28' + sum: 75517.99999999997 + count: 24 + mean: 3146.583333333333 + median: 3145.2 + min: 3145.2 + max: 3178.4 + standardDeviation: 6.776921621700182 + beginningValue: 3145.2 + endingValue: 3178.4 + - startDate: '2023-03-01' + endDate: '2023-03-31' + sum: 95350.54000000005 + count: 31 + mean: 3075.823870967742 + median: 3178.4 + min: 2946.3 + max: 3329.22 + standardDeviation: 132.58604314877732 + beginningValue: 3178.4 + endingValue: 3329.22 + streams: + - id: b838ffb3-2549-43b3-a1b1-50bc13438e0f + payor: John Smith + payee: Whole Foods + cadence: 0 + recency: 124 + transactionIds: + - '00000005' + - '00000008' + - id: 54214633-39d7-43f4-9314-bae2ce3b6af9 + payor: John Smith + payee: Walmart + cadence: 0 + recency: 139 + transactionIds: + - '00000006' + - '00000007' + customerAnalytics: + transactionalAttributes: [] + stateAttributes: + - attributeName: ASSET_BALANCE + reportedByTimePeriods: + - timeIntervalType: MONTHLY_CALENDAR + periods: + - startDate: '2023-02-05' + endDate: '2023-02-28' + sum: 75517.99999999997 + count: 24 + mean: 3146.583333333333 + median: 3145.2 + min: 3145.2 + max: 3178.4 + standardDeviation: 6.776921621700182 + beginningValue: 3145.2 + endingValue: 3178.4 + - startDate: '2023-03-01' + endDate: '2023-03-31' + sum: 95350.54000000005 + count: 31 + mean: 3075.823870967742 + median: 3178.4 + min: 2946.3 + max: 3329.22 + standardDeviation: 132.58604314877732 + beginningValue: 3178.4 + endingValue: 3329.22 + streams: + - id: 2b96f6d4-4882-4db2-96c6-f89530a68f1c + payor: TD AMERITRADE + payee: John Smith + cadence: 15 + recency: 124 + transactionIds: + - '00000003' + - '00000004' + - '00000001' + - id: dafc9b5d-762d-4f91-a429-f80573944bcd + payor: John Smith + payee: TD AMERITRADE + cadence: 0 + recency: 139 + transactionIds: + - '00000002' + - id: b838ffb3-2549-43b3-a1b1-50bc13438e0f + payor: John Smith + payee: Whole Foods + cadence: 0 + recency: 124 + transactionIds: + - '00000005' + - '00000008' + - id: 54214633-39d7-43f4-9314-bae2ce3b6af9 + payor: John Smith + payee: Walmart + cadence: 0 + recency: 139 + transactionIds: + - '00000006' + - '00000007' + BalanceBusinessNonCraAnalyticsReportResponseExample: + value: + id: sd1j45yn37wr-barbnoncra + customerType: active + customerId: 1275320 + requestId: 7a7qyps2iy + requesterName: Decisioning API + title: Mastercard Open Banking Balance Analytics + businessDetails: + id: 123 + name: Name1 + address: + addressLine1: 2020 State Street + addressLine2: Suite 301 + city: Salt Lake City + state: Utah + country: USA + postalCode: 84116 + reportPin: '2398jk' + constraints: + analyticsReportData: + forCraPurpose: false + timeIntervalTypes: + - MONTHLY_CALENDAR + type: barbnoncra + status: success + createdDate: 1579819592 + startDate: 1512594823 + endDate: 1575666823 + days: 730 + institutions: + - id: '102105' + name: FinBank Profiles + urlHomeApp: http://www.finbank.com + accounts: + - id: '1111' + ownerName: PATRICK & LORRAINE PURCHASER + ownerAddress: 7195 BELMONT ST. PARLIN, NJ 08859 + name: Checking + number: XX1111 + type: checking + aggregationStatusCode: '0' + currentBalance: 100000 + availableBalance: 1000 + balanceDate: 1614880526 + transactions: + - id: '00000001' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + - id: '00000002' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + - id: '00000003' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + - id: '00000004' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + analytics: + - transactionalAttributes: [] + stateAttributes: + - attributeName: ASSET_BALANCE + reportedByTimePeriods: + - timeIntervalType: MONTHLY_CALENDAR + periods: + - startDate: '2023-02-05' + endDate: '2023-02-28' + sum: 75517.99999999997 + count: 24 + mean: 3146.583333333333 + median: 3145.2 + min: 3145.2 + max: 3178.4 + standardDeviation: 6.776921621700182 + beginningValue: 3145.2 + endingValue: 3178.4 + - startDate: '2023-03-01' + endDate: '2023-03-31' + sum: 95350.54000000005 + count: 31 + mean: 3075.823870967742 + median: 3178.4 + min: 2946.3 + max: 3329.22 + standardDeviation: 132.58604314877732 + beginningValue: 3178.4 + endingValue: 3329.22 + streams: + - id: 2b96f6d4-4882-4db2-96c6-f89530a68f1c + payor: TD AMERITRADE + payee: John Smith + cadence: 15 + recency: 124 + transactionIds: + - '00000003' + - '00000004' + - '00000001' + - id: dafc9b5d-762d-4f91-a429-f80573944bcd + payor: John Smith + payee: TD AMERITRADE + cadence: 0 + recency: 139 + transactionIds: + - '00000002' + - id: '2222' + ownerName: PATRICK & LORRAINE PURCHASER + ownerAddress: 7195 BELMONT ST. PARLIN, NJ 08859 + name: Checking + number: XX1111 + type: checking + aggregationStatusCode: '0' + currentBalance: 100000 + availableBalance: 1000 + balanceDate: 1614880526 + transactions: + - id: '00000005' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + - id: '00000006' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + - id: '00000007' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + - id: '00000008' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + analytics: + - transactionalAttributes: [] + stateAttributes: + - attributeName: ASSET_BALANCE + reportedByTimePeriods: + - timeIntervalType: MONTHLY_CALENDAR + periods: + - startDate: '2023-02-05' + endDate: '2023-02-28' + sum: 75517.99999999997 + count: 24 + mean: 3146.583333333333 + median: 3145.2 + min: 3145.2 + max: 3178.4 + standardDeviation: 6.776921621700182 + beginningValue: 3145.2 + endingValue: 3178.4 + - startDate: '2023-03-01' + endDate: '2023-03-31' + sum: 95350.54000000005 + count: 31 + mean: 3075.823870967742 + median: 3178.4 + min: 2946.3 + max: 3329.22 + standardDeviation: 132.58604314877732 + beginningValue: 3178.4 + endingValue: 3329.22 + streams: + - id: b838ffb3-2549-43b3-a1b1-50bc13438e0f + payor: John Smith + payee: Whole Foods + cadence: 0 + recency: 124 + transactionIds: + - '00000005' + - '00000008' + - id: 54214633-39d7-43f4-9314-bae2ce3b6af9 + payor: John Smith + payee: Walmart + cadence: 0 + recency: 139 + transactionIds: + - '00000006' + - '00000007' + customerAnalytics: + transactionalAttributes: [] + stateAttributes: + - attributeName: ASSET_BALANCE + reportedByTimePeriods: + - timeIntervalType: MONTHLY_CALENDAR + periods: + - startDate: '2023-02-05' + endDate: '2023-02-28' + sum: 75517.99999999997 + count: 24 + mean: 3146.583333333333 + median: 3145.2 + min: 3145.2 + max: 3178.4 + standardDeviation: 6.776921621700182 + beginningValue: 3145.2 + endingValue: 3178.4 + - startDate: '2023-03-01' + endDate: '2023-03-31' + sum: 95350.54000000005 + count: 31 + mean: 3075.823870967742 + median: 3178.4 + min: 2946.3 + max: 3329.22 + standardDeviation: 132.58604314877732 + beginningValue: 3178.4 + endingValue: 3329.22 + streams: + - id: 2b96f6d4-4882-4db2-96c6-f89530a68f1c + payor: TD AMERITRADE + payee: John Smith + cadence: 15 + recency: 124 + transactionIds: + - '00000003' + - '00000004' + - '00000001' + - id: dafc9b5d-762d-4f91-a429-f80573944bcd + payor: John Smith + payee: TD AMERITRADE + cadence: 0 + recency: 139 + transactionIds: + - '00000002' + - id: b838ffb3-2549-43b3-a1b1-50bc13438e0f + payor: John Smith + payee: Whole Foods + cadence: 0 + recency: 124 + transactionIds: + - '00000005' + - '00000008' + - id: 54214633-39d7-43f4-9314-bae2ce3b6af9 + payor: John Smith + payee: Walmart + cadence: 0 + recency: 139 + transactionIds: + - '00000006' + - '00000007' + BalanceBusinessFtcAnalyticsReportResponseExample: + value: + id: sd1j45yn37wr-barbftc + customerType: active + customerId: 1275320 + requestId: 7a7qyps2iy + requesterName: Decisioning API + title: Mastercard Open Banking Balance Analytics + businessDetails: + id: 123 + name: Name1 + address: + addressLine1: 2020 State Street + addressLine2: Suite 301 + city: Salt Lake City + state: Utah + country: USA + postalCode: 84116 + reportPin: '2398jk' + constraints: + analyticsReportData: + forCraPurpose: true + applicantIsPersonalGuarantor: false + timeIntervalTypes: + - MONTHLY_CALENDAR + type: barbftc + status: success + createdDate: 1579819592 + startDate: 1512594823 + endDate: 1575666823 + days: 730 + institutions: + - id: '102105' + name: FinBank Profiles + urlHomeApp: http://www.finbank.com + accounts: + - id: '1111' + ownerName: PATRICK & LORRAINE PURCHASER + ownerAddress: 7195 BELMONT ST. PARLIN, NJ 08859 + name: Checking + number: XX1111 + type: checking + aggregationStatusCode: '0' + currentBalance: 100000 + availableBalance: 1000 + balanceDate: 1614880526 + transactions: + - id: '00000001' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + - id: '00000002' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + - id: '00000003' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + - id: '00000004' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + analytics: + - transactionalAttributes: [] + stateAttributes: + - attributeName: ASSET_BALANCE + reportedByTimePeriods: + - timeIntervalType: MONTHLY_CALENDAR + periods: + - startDate: '2023-02-05' + endDate: '2023-02-28' + sum: 75517.99999999997 + count: 24 + mean: 3146.583333333333 + median: 3145.2 + min: 3145.2 + max: 3178.4 + standardDeviation: 6.776921621700182 + beginningValue: 3145.2 + endingValue: 3178.4 + - startDate: '2023-03-01' + endDate: '2023-03-31' + sum: 95350.54000000005 + count: 31 + mean: 3075.823870967742 + median: 3178.4 + min: 2946.3 + max: 3329.22 + standardDeviation: 132.58604314877732 + beginningValue: 3178.4 + endingValue: 3329.22 + streams: + - id: 2b96f6d4-4882-4db2-96c6-f89530a68f1c + payor: TD AMERITRADE + payee: John Smith + cadence: 15 + recency: 124 + transactionIds: + - '00000003' + - '00000004' + - '00000001' + - id: dafc9b5d-762d-4f91-a429-f80573944bcd + payor: John Smith + payee: TD AMERITRADE + cadence: 0 + recency: 139 + transactionIds: + - '00000002' + - id: '2222' + ownerName: PATRICK & LORRAINE PURCHASER + ownerAddress: 7195 BELMONT ST. PARLIN, NJ 08859 + name: Checking + number: XX1111 + type: checking + aggregationStatusCode: '0' + currentBalance: 100000 + availableBalance: 1000 + balanceDate: 1614880526 + transactions: + - id: '00000005' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + - id: '00000006' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + - id: '00000007' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + - id: '00000008' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + analytics: + - transactionalAttributes: [] + stateAttributes: + - attributeName: ASSET_BALANCE + reportedByTimePeriods: + - timeIntervalType: MONTHLY_CALENDAR + periods: + - startDate: '2023-02-05' + endDate: '2023-02-28' + sum: 75517.99999999997 + count: 24 + mean: 3146.583333333333 + median: 3145.2 + min: 3145.2 + max: 3178.4 + standardDeviation: 6.776921621700182 + beginningValue: 3145.2 + endingValue: 3178.4 + - startDate: '2023-03-01' + endDate: '2023-03-31' + sum: 95350.54000000005 + count: 31 + mean: 3075.823870967742 + median: 3178.4 + min: 2946.3 + max: 3329.22 + standardDeviation: 132.58604314877732 + beginningValue: 3178.4 + endingValue: 3329.22 + streams: + - id: b838ffb3-2549-43b3-a1b1-50bc13438e0f + payor: John Smith + payee: Whole Foods + cadence: 0 + recency: 124 + transactionIds: + - '00000005' + - '00000008' + - id: 54214633-39d7-43f4-9314-bae2ce3b6af9 + payor: John Smith + payee: Walmart + cadence: 0 + recency: 139 + transactionIds: + - '00000006' + - '00000007' + customerAnalytics: + transactionalAttributes: [] + stateAttributes: + - attributeName: ASSET_BALANCE + reportedByTimePeriods: + - timeIntervalType: MONTHLY_CALENDAR + periods: + - startDate: '2023-02-05' + endDate: '2023-02-28' + sum: 75517.99999999997 + count: 24 + mean: 3146.583333333333 + median: 3145.2 + min: 3145.2 + max: 3178.4 + standardDeviation: 6.776921621700182 + beginningValue: 3145.2 + endingValue: 3178.4 + - startDate: '2023-03-01' + endDate: '2023-03-31' + sum: 95350.54000000005 + count: 31 + mean: 3075.823870967742 + median: 3178.4 + min: 2946.3 + max: 3329.22 + standardDeviation: 132.58604314877732 + beginningValue: 3178.4 + endingValue: 3329.22 + streams: + - id: 2b96f6d4-4882-4db2-96c6-f89530a68f1c + payor: TD AMERITRADE + payee: John Smith + cadence: 15 + recency: 124 + transactionIds: + - '00000003' + - '00000004' + - '00000001' + - id: dafc9b5d-762d-4f91-a429-f80573944bcd + payor: John Smith + payee: TD AMERITRADE + cadence: 0 + recency: 139 + transactionIds: + - '00000002' + - id: b838ffb3-2549-43b3-a1b1-50bc13438e0f + payor: John Smith + payee: Whole Foods + cadence: 0 + recency: 124 + transactionIds: + - '00000005' + - '00000008' + - id: 54214633-39d7-43f4-9314-bae2ce3b6af9 + payor: John Smith + payee: Walmart + cadence: 0 + recency: 139 + transactionIds: + - '00000006' + - '00000007' + BalancePersonalCraAnalyticsReportResponseExample: + value: + id: sd1j45yn37wr-barpcra + customerType: active + customerId: 1275320 + requestId: 7a7qyps2iy + requesterName: Decisioning API + title: Mastercard Open Banking Balance Analytics + consumerId: 3f7ff2cf0ffb3d0cd59875e070c9b1d4 + consumerSsn: '1234' + constraints: + analyticsReportData: + forCraPurpose: true + timeIntervalTypes: + - MONTHLY_CALENDAR + type: barpcra + status: success + createdDate: 1579819592 + startDate: 1512594823 + endDate: 1575666823 + days: 730 + institutions: + - id: '102105' + name: FinBank Profiles + urlHomeApp: http://www.finbank.com + accounts: + - id: '1111' + ownerName: PATRICK & LORRAINE PURCHASER + ownerAddress: 7195 BELMONT ST. PARLIN, NJ 08859 + name: Checking + number: XX1111 + type: checking + aggregationStatusCode: '0' + currentBalance: 100000 + availableBalance: 1000 + balanceDate: 1614880526 + transactions: + - id: '00000001' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + - id: '00000002' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + - id: '00000003' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + - id: '00000004' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + analytics: + - transactionalAttributes: [] + stateAttributes: + - attributeName: ASSET_BALANCE + reportedByTimePeriods: + - timeIntervalType: MONTHLY_CALENDAR + periods: + - startDate: '2023-02-05' + endDate: '2023-02-28' + sum: 75517.99999999997 + count: 24 + mean: 3146.583333333333 + median: 3145.2 + min: 3145.2 + max: 3178.4 + standardDeviation: 6.776921621700182 + beginningValue: 3145.2 + endingValue: 3178.4 + - startDate: '2023-03-01' + endDate: '2023-03-31' + sum: 95350.54000000005 + count: 31 + mean: 3075.823870967742 + median: 3178.4 + min: 2946.3 + max: 3329.22 + standardDeviation: 132.58604314877732 + beginningValue: 3178.4 + endingValue: 3329.22 + streams: + - id: 2b96f6d4-4882-4db2-96c6-f89530a68f1c + payor: TD AMERITRADE + payee: John Smith + cadence: 15 + recency: 124 + transactionIds: + - '00000003' + - '00000004' + - '00000001' + - id: dafc9b5d-762d-4f91-a429-f80573944bcd + payor: John Smith + payee: TD AMERITRADE + cadence: 0 + recency: 139 + transactionIds: + - '00000002' + - id: '2222' + ownerName: PATRICK & LORRAINE PURCHASER + ownerAddress: 7195 BELMONT ST. PARLIN, NJ 08859 + name: Checking + number: XX1111 + type: checking + aggregationStatusCode: '0' + currentBalance: 100000 + availableBalance: 1000 + balanceDate: 1614880526 + transactions: + - id: '00000005' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + - id: '00000006' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + - id: '00000007' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + - id: '00000008' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + analytics: + - transactionalAttributes: [] + stateAttributes: + - attributeName: ASSET_BALANCE + reportedByTimePeriods: + - timeIntervalType: MONTHLY_CALENDAR + periods: + - startDate: '2023-02-05' + endDate: '2023-02-28' + sum: 75517.99999999997 + count: 24 + mean: 3146.583333333333 + median: 3145.2 + min: 3145.2 + max: 3178.4 + standardDeviation: 6.776921621700182 + beginningValue: 3145.2 + endingValue: 3178.4 + - startDate: '2023-03-01' + endDate: '2023-03-31' + sum: 95350.54000000005 + count: 31 + mean: 3075.823870967742 + median: 3178.4 + min: 2946.3 + max: 3329.22 + standardDeviation: 132.58604314877732 + beginningValue: 3178.4 + endingValue: 3329.22 + streams: + - id: b838ffb3-2549-43b3-a1b1-50bc13438e0f + payor: John Smith + payee: Whole Foods + cadence: 0 + recency: 124 + transactionIds: + - '00000005' + - '00000008' + - id: 54214633-39d7-43f4-9314-bae2ce3b6af9 + payor: John Smith + payee: Walmart + cadence: 0 + recency: 139 + transactionIds: + - '00000006' + - '00000007' + customerAnalytics: + transactionalAttributes: [] + stateAttributes: + - attributeName: ASSET_BALANCE + reportedByTimePeriods: + - timeIntervalType: MONTHLY_CALENDAR + periods: + - startDate: '2023-02-05' + endDate: '2023-02-28' + sum: 75517.99999999997 + count: 24 + mean: 3146.583333333333 + median: 3145.2 + min: 3145.2 + max: 3178.4 + standardDeviation: 6.776921621700182 + beginningValue: 3145.2 + endingValue: 3178.4 + - startDate: '2023-03-01' + endDate: '2023-03-31' + sum: 95350.54000000005 + count: 31 + mean: 3075.823870967742 + median: 3178.4 + min: 2946.3 + max: 3329.22 + standardDeviation: 132.58604314877732 + beginningValue: 3178.4 + endingValue: 3329.22 + streams: + - id: 2b96f6d4-4882-4db2-96c6-f89530a68f1c + payor: TD AMERITRADE + payee: John Smith + cadence: 15 + recency: 124 + transactionIds: + - '00000003' + - '00000004' + - '00000001' + - id: dafc9b5d-762d-4f91-a429-f80573944bcd + payor: John Smith + payee: TD AMERITRADE + cadence: 0 + recency: 139 + transactionIds: + - '00000002' + - id: b838ffb3-2549-43b3-a1b1-50bc13438e0f + payor: John Smith + payee: Whole Foods + cadence: 0 + recency: 124 + transactionIds: + - '00000005' + - '00000008' + - id: 54214633-39d7-43f4-9314-bae2ce3b6af9 + payor: John Smith + payee: Walmart + cadence: 0 + recency: 139 + transactionIds: + - '6010290887' + - '6010290914' + BalancePersonalNonCraAnalyticsReportResponseExample: + value: + id: sd1j45yn37wr-barpnoncra + customerType: active + customerId: 1275320 + requestId: 7a7qyps2iy + requesterName: Decisioning API + title: Mastercard Open Banking Balance Analytics + constraints: + analyticsReportData: + forCraPurpose: false + timeIntervalTypes: + - MONTHLY_CALENDAR + type: barpnoncra + status: success + createdDate: 1579819592 + startDate: 1512594823 + endDate: 1575666823 + days: 730 + institutions: + - id: '102105' + name: FinBank Profiles + urlHomeApp: http://www.finbank.com + accounts: + - id: '1111' + ownerName: PATRICK & LORRAINE PURCHASER + ownerAddress: 7195 BELMONT ST. PARLIN, NJ 08859 + name: Checking + number: XX1111 + type: checking + aggregationStatusCode: '0' + currentBalance: 100000 + availableBalance: 1000 + balanceDate: 1614880526 + transactions: + - id: '00000001' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + - id: '00000002' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + - id: '00000003' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + - id: '00000004' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + analytics: + - transactionalAttributes: [] + stateAttributes: + - attributeName: ASSET_BALANCE + reportedByTimePeriods: + - timeIntervalType: MONTHLY_CALENDAR + periods: + - startDate: '2023-02-05' + endDate: '2023-02-28' + sum: 75517.99999999997 + count: 24 + mean: 3146.583333333333 + median: 3145.2 + min: 3145.2 + max: 3178.4 + standardDeviation: 6.776921621700182 + beginningValue: 3145.2 + endingValue: 3178.4 + - startDate: '2023-03-01' + endDate: '2023-03-31' + sum: 95350.54000000005 + count: 31 + mean: 3075.823870967742 + median: 3178.4 + min: 2946.3 + max: 3329.22 + standardDeviation: 132.58604314877732 + beginningValue: 3178.4 + endingValue: 3329.22 + streams: + - id: 2b96f6d4-4882-4db2-96c6-f89530a68f1c + payor: TD AMERITRADE + payee: John Smith + cadence: 15 + recency: 124 + transactionIds: + - '00000003' + - '00000004' + - '00000001' + - id: dafc9b5d-762d-4f91-a429-f80573944bcd + payor: John Smith + payee: TD AMERITRADE + cadence: 0 + recency: 139 + transactionIds: + - '00000002' + - id: '2222' + ownerName: PATRICK & LORRAINE PURCHASER + ownerAddress: 7195 BELMONT ST. PARLIN, NJ 08859 + name: Checking + number: XX1111 + type: checking + aggregationStatusCode: '0' + currentBalance: 100000 + availableBalance: 1000 + balanceDate: 1614880526 + transactions: + - id: '00000005' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + - id: '00000006' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + - id: '00000007' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + - id: '00000008' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + analytics: + - transactionalAttributes: [] + stateAttributes: + - attributeName: ASSET_BALANCE + reportedByTimePeriods: + - timeIntervalType: MONTHLY_CALENDAR + periods: + - startDate: '2023-02-05' + endDate: '2023-02-28' + sum: 75517.99999999997 + count: 24 + mean: 3146.583333333333 + median: 3145.2 + min: 3145.2 + max: 3178.4 + standardDeviation: 6.776921621700182 + beginningValue: 3145.2 + endingValue: 3178.4 + - startDate: '2023-03-01' + endDate: '2023-03-31' + sum: 95350.54000000005 + count: 31 + mean: 3075.823870967742 + median: 3178.4 + min: 2946.3 + max: 3329.22 + standardDeviation: 132.58604314877732 + beginningValue: 3178.4 + endingValue: 3329.22 + streams: + - id: b838ffb3-2549-43b3-a1b1-50bc13438e0f + payor: John Smith + payee: Whole Foods + cadence: 0 + recency: 124 + transactionIds: + - '00000005' + - '00000008' + - id: 54214633-39d7-43f4-9314-bae2ce3b6af9 + payor: John Smith + payee: Walmart + cadence: 0 + recency: 139 + transactionIds: + - '00000006' + - '00000007' + customerAnalytics: + transactionalAttributes: [] + stateAttributes: + - attributeName: ASSET_BALANCE + reportedByTimePeriods: + - timeIntervalType: MONTHLY_CALENDAR + periods: + - startDate: '2023-02-05' + endDate: '2023-02-28' + sum: 75517.99999999997 + count: 24 + mean: 3146.583333333333 + median: 3145.2 + min: 3145.2 + max: 3178.4 + standardDeviation: 6.776921621700182 + beginningValue: 3145.2 + endingValue: 3178.4 + - startDate: '2023-03-01' + endDate: '2023-03-31' + sum: 95350.54000000005 + count: 31 + mean: 3075.823870967742 + median: 3178.4 + min: 2946.3 + max: 3329.22 + standardDeviation: 132.58604314877732 + beginningValue: 3178.4 + endingValue: 3329.22 + streams: + - id: 2b96f6d4-4882-4db2-96c6-f89530a68f1c + payor: TD AMERITRADE + payee: John Smith + cadence: 15 + recency: 124 + transactionIds: + - '00000003' + - '00000004' + - '00000001' + - id: dafc9b5d-762d-4f91-a429-f80573944bcd + payor: John Smith + payee: TD AMERITRADE + cadence: 0 + recency: 139 + transactionIds: + - '00000002' + - id: b838ffb3-2549-43b3-a1b1-50bc13438e0f + payor: John Smith + payee: Whole Foods + cadence: 0 + recency: 124 + transactionIds: + - '00000005' + - '00000008' + - id: 54214633-39d7-43f4-9314-bae2ce3b6af9 + payor: John Smith + payee: Walmart + cadence: 0 + recency: 139 + transactionIds: + - '00000006' + - '00000007' + CashflowBusinessCraAnalyticsReportResponseExample: + value: + id: sd1j45yn37wr-cfrbcra + customerType: active + customerId: 1275320 + requestId: 7a7qyps2iy + requesterName: Decisioning API + title: Mastercard Open Banking Cashflow Analytics + consumerId: 3f7ff2cf0ffb3d0cd59875e070c9b1d4 + consumerSsn: '1234' + businessDetails: + id: 123 + name: Name1 + address: + addressLine1: 2020 State Street + addressLine2: Suite 301 + city: Salt Lake City + state: Utah + country: USA + postalCode: 84116 + reportPin: '2398jk' + constraints: + analyticsReportData: + forCraPurpose: true + applicantIsPersonalGuarantor: true + timeIntervalTypes: + - MONTHLY_CALENDAR + type: cfrbcra + status: success + createdDate: 1579819592 + startDate: 1512594823 + endDate: 1575666823 + days: 730 + institutions: + - id: '102105' + name: FinBank Profiles + urlHomeApp: http://www.finbank.com + accounts: + - id: '1111' + ownerName: PATRICK & LORRAINE PURCHASER + ownerAddress: 7195 BELMONT ST. PARLIN, NJ 08859 + name: Checking + number: XX1111 + type: checking + aggregationStatusCode: '0' + currentBalance: 100000 + availableBalance: 1000 + balanceDate: 1614880526 + transactions: + - id: '00000001' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + - id: '00000002' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + - id: '00000003' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + - id: '00000004' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + analytics: + - transactionalAttributes: + - attributeName: CASH_OUTFLOW + aggregatedByTimePeriods: + - periods: + - count: 4 + endDate: '2021-12-31' + max: -32 + mean: -317.6825 + median: -142.5 + min: -953.73 + standardDeviation: 433.2871371561819 + startDate: '2021-12-22' + sum: -1270.73 + - count: 12 + endDate: '2022-01-31' + max: -32 + mean: -171.95250000000001 + median: -68.35 + min: -953.73 + standardDeviation: 258.5863414492168 + startDate: '2022-01-01' + sum: -2063.43 + - count: 0 + endDate: '2022-02-28' + max: 0 + mean: 0.0 + median: 0.0 + min: 0.0 + standardDeviation: 0.0 + startDate: '2022-02-01' + sum: 0.0 + timeIntervalType: MONTHLY_CALENDAR + streamIds: + - 26126034-6adb-4400-aaba-84f1d75522c5 + - 60e0afe6-8bea-4ba5-ba41-5a7f20add371 + transactionIds: + - '7019271133' + - '7019271149' + - '7019271008' + - '7019271153' + stateAttributes: + - attributeName: ASSET_BALANCE + reportedByTimePeriods: + - timeIntervalType: MONTHLY_CALENDAR + periods: + - startDate: '2023-02-05' + endDate: '2023-02-28' + sum: 75517.99999999997 + count: 24 + mean: 3146.583333333333 + median: 3145.2 + min: 3145.2 + max: 3178.4 + standardDeviation: 6.776921621700182 + beginningValue: 3145.2 + endingValue: 3178.4 + - startDate: '2023-03-01' + endDate: '2023-03-31' + sum: 95350.54000000005 + count: 31 + mean: 3075.823870967742 + median: 3178.4 + min: 2946.3 + max: 3329.22 + standardDeviation: 132.58604314877732 + beginningValue: 3178.4 + endingValue: 3329.22 + streams: + - id: 2b96f6d4-4882-4db2-96c6-f89530a68f1c + payor: TD AMERITRADE + payee: John Smith + cadence: 15 + recency: 124 + transactionIds: + - '00000003' + - '00000004' + - '00000001' + - id: dafc9b5d-762d-4f91-a429-f80573944bcd + payor: John Smith + payee: TD AMERITRADE + cadence: 0 + recency: 139 + transactionIds: + - '00000002' + - id: '2222' + ownerName: PATRICK & LORRAINE PURCHASER + ownerAddress: 7195 BELMONT ST. 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id: '102105' + name: FinBank Profiles + urlHomeApp: http://www.finbank.com + accounts: + - id: '1111' + ownerName: PATRICK & LORRAINE PURCHASER + ownerAddress: 7195 BELMONT ST. 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id: '102105' + name: FinBank Profiles + urlHomeApp: http://www.finbank.com + accounts: + - id: '1111' + ownerName: PATRICK & LORRAINE PURCHASER + ownerAddress: 7195 BELMONT ST. PARLIN, NJ 08859 + name: Checking + number: XX1111 + type: checking + aggregationStatusCode: '0' + currentBalance: 100000 + availableBalance: 1000 + balanceDate: 1614880526 + transactions: + - id: '00000001' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + - id: '00000002' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + - id: '00000003' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + - id: '00000004' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + analytics: + - transactionalAttributes: + - attributeName: CASH_OUTFLOW + aggregatedByTimePeriods: + - periods: + - count: 4 + endDate: '2021-12-31' + max: -32 + mean: -317.6825 + median: -142.5 + min: -953.73 + standardDeviation: 433.2871371561819 + startDate: '2021-12-22' + sum: -1270.73 + - count: 12 + endDate: '2022-01-31' + max: -32 + mean: -171.95250000000001 + median: -68.35 + min: -953.73 + standardDeviation: 258.5863414492168 + startDate: '2022-01-01' + sum: -2063.43 + - count: 0 + endDate: '2022-02-28' + max: 0 + mean: 0.0 + median: 0.0 + min: 0.0 + standardDeviation: 0.0 + startDate: '2022-02-01' + sum: 0.0 + timeIntervalType: MONTHLY_CALENDAR + streamIds: + - 26126034-6adb-4400-aaba-84f1d75522c5 + - 60e0afe6-8bea-4ba5-ba41-5a7f20add371 + transactionIds: + - '7019271133' + - '7019271149' + - '7019271008' + - '7019271153' + stateAttributes: + - attributeName: ASSET_BALANCE + reportedByTimePeriods: + - timeIntervalType: MONTHLY_CALENDAR + periods: + - startDate: '2023-02-05' + endDate: '2023-02-28' + sum: 75517.99999999997 + count: 24 + mean: 3146.583333333333 + median: 3145.2 + min: 3145.2 + max: 3178.4 + standardDeviation: 6.776921621700182 + beginningValue: 3145.2 + endingValue: 3178.4 + - startDate: '2023-03-01' + endDate: '2023-03-31' + sum: 95350.54000000005 + count: 31 + mean: 3075.823870967742 + median: 3178.4 + min: 2946.3 + max: 3329.22 + standardDeviation: 132.58604314877732 + beginningValue: 3178.4 + endingValue: 3329.22 + streams: + - id: 2b96f6d4-4882-4db2-96c6-f89530a68f1c + payor: TD AMERITRADE + payee: John Smith + cadence: 15 + recency: 124 + transactionIds: + - '00000003' + - '00000004' + - '00000001' + - id: dafc9b5d-762d-4f91-a429-f80573944bcd + payor: John Smith + payee: TD AMERITRADE + cadence: 0 + recency: 139 + transactionIds: + - '00000002' + - id: '2222' + ownerName: PATRICK & LORRAINE PURCHASER + ownerAddress: 7195 BELMONT ST. PARLIN, NJ 08859 + name: Checking + number: XX1111 + type: checking + aggregationStatusCode: '0' + currentBalance: 100000 + availableBalance: 1000 + balanceDate: 1614880526 + transactions: + - id: '00000005' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + - id: '00000006' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + - id: '00000007' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + - id: '00000008' + amount: -81.7 + postedDate: 1614859200 + description: TMOBILE*AUTO PAY + normalizedPayee: T-Mobile + institutionTransactionId: '0000000000' + category: Mobile Phone + analytics: + - transactionalAttributes: + - attributeName: CASH_OUTFLOW + aggregatedByTimePeriods: + - periods: + - count: 4 + endDate: '2021-12-31' + max: -32 + mean: -317.6825 + median: -142.5 + min: -953.73 + standardDeviation: 433.2871371561819 + startDate: '2021-12-22' + sum: -1270.73 + - count: 12 + endDate: '2022-01-31' + max: -32 + mean: -171.95250000000001 + median: -68.35 + min: -953.73 + standardDeviation: 258.5863414492168 + startDate: '2022-01-01' + sum: -2063.43 + - count: 0 + endDate: '2022-02-28' + max: 0 + mean: 0.0 + median: 0.0 + min: 0.0 + standardDeviation: 0.0 + startDate: '2022-02-01' + sum: 0.0 + timeIntervalType: MONTHLY_CALENDAR + streamIds: + - 26126034-6adb-4400-aaba-84f1d75522c5 + - 60e0afe6-8bea-4ba5-ba41-5a7f20add371 + transactionIds: + - '7019271133' + - '7019271149' + - '7019271008' + - '7019271153' + stateAttributes: + - attributeName: ASSET_BALANCE + reportedByTimePeriods: + - timeIntervalType: MONTHLY_CALENDAR + periods: + - startDate: '2023-02-05' + endDate: '2023-02-28' + sum: 75517.99999999997 + count: 24 + mean: 3146.583333333333 + median: 3145.2 + min: 3145.2 + max: 3178.4 + standardDeviation: 6.776921621700182 + beginningValue: 3145.2 + endingValue: 3178.4 + - startDate: '2023-03-01' + endDate: '2023-03-31' + sum: 95350.54000000005 + count: 31 + mean: 3075.823870967742 + median: 3178.4 + min: 2946.3 + max: 3329.22 + standardDeviation: 132.58604314877732 + beginningValue: 3178.4 + endingValue: 3329.22 + streams: + - id: 2b96f6d4-4882-4db2-96c6-f89530a68f1c + payor: TD AMERITRADE + payee: John Smith + cadence: 15 + recency: 124 + transactionIds: + - '00000003' + - '00000004' + - '00000001' + - id: dafc9b5d-762d-4f91-a429-f80573944bcd + payor: John Smith + payee: TD AMERITRADE + cadence: 0 + recency: 139 + transactionIds: + - '00000002' + customerAnalytics: + transactionalAttributes: + - attributeName: CASH_OUTFLOW + aggregatedByTimePeriods: + - periods: + - count: 4 + endDate: '2021-12-31' + max: -32 + mean: -317.6825 + median: -142.5 + min: -953.73 + standardDeviation: 433.2871371561819 + startDate: '2021-12-22' + sum: -1270.73 + - count: 12 + endDate: '2022-01-31' + max: -32 + mean: -171.95250000000001 + median: -68.35 + min: -953.73 + standardDeviation: 258.5863414492168 + startDate: '2022-01-01' + sum: -2063.43 + - count: 0 + endDate: '2022-02-28' + max: 0 + mean: 0.0 + median: 0.0 + min: 0.0 + standardDeviation: 0.0 + startDate: '2022-02-01' + sum: 0.0 + timeIntervalType: MONTHLY_CALENDAR + streamIds: + - 26126034-6adb-4400-aaba-84f1d75522c5 + - 60e0afe6-8bea-4ba5-ba41-5a7f20add371 + transactionIds: + - '7019271133' + - '7019271149' + - '7019271008' + - '7019271153' + stateAttributes: + - attributeName: ASSET_BALANCE + reportedByTimePeriods: + - timeIntervalType: MONTHLY_CALENDAR + periods: + - startDate: '2023-02-05' + endDate: '2023-02-28' + sum: 75517.99999999997 + count: 24 + mean: 3146.583333333333 + median: 3145.2 + min: 3145.2 + max: 3178.4 + standardDeviation: 6.776921621700182 + beginningValue: 3145.2 + endingValue: 3178.4 + - startDate: '2023-03-01' + endDate: '2023-03-31' + sum: 95350.54000000005 + count: 31 + mean: 3075.823870967742 + median: 3178.4 + min: 2946.3 + max: 3329.22 + standardDeviation: 132.58604314877732 + beginningValue: 3178.4 + endingValue: 3329.22 + streams: + - id: 2b96f6d4-4882-4db2-96c6-f89530a68f1c + payor: TD AMERITRADE + payee: John Smith + cadence: 15 + recency: 124 + transactionIds: + - '00000003' + - '00000004' + - '00000001' + - id: dafc9b5d-762d-4f91-a429-f80573944bcd + payor: John Smith + payee: TD AMERITRADE + cadence: 0 + recency: 139 + transactionIds: + - '00000002' + - id: b838ffb3-2549-43b3-a1b1-50bc13438e0f + payor: John Smith + payee: Whole Foods + cadence: 0 + recency: 124 + transactionIds: + - '00000005' + - '00000008' + - id: 54214633-39d7-43f4-9314-bae2ce3b6af9 + payor: John Smith + payee: Walmart + cadence: 0 + recency: 139 + transactionIds: + - '00000006' + - '00000007' ObbBadRequestResponseExample: value: errorCode: 400 @@ -7894,6 +11972,16 @@ components: schema: type: string example: 'https://finicity-test/webhook' + UserTypeParameter: + description: >- + UserType indicates if the request is for a business or personal use + case, Allowed values: business/personal. + name: userType + in: path + required: true + schema: + $ref: '#/components/schemas/UserType' + example: personal ConsentReceiptIdParameter: description: Third party access key receipt ID name: consentReceiptId @@ -8041,6 +12129,29 @@ components: example: '002345678901' description: The routing and account number information to initiate ACH transfers + AccountAnalytics: + description: Analytics calculated for one account in the report. + type: object + required: + - transactionalAttributes + - stateAttributes + - streams + properties: + transactionalAttributes: + description: List of calculated transactional attributes + items: + $ref: '#/components/schemas/TransactionalAttribute' + type: array + stateAttributes: + description: List of calculated state attributes + items: + $ref: '#/components/schemas/StateAttribute' + type: array + streams: + description: List of generated streams + items: + $ref: '#/components/schemas/StreamModel' + type: array AccessToken: required: - token @@ -8563,6 +12674,62 @@ components: are valid, but the subpremise of the input address was missing and thus unable to be confirmed as valid or invalid. example: valid + AFBalanceAnalyticsReport: + description: A Balance Analytics Report + type: object + allOf: + - $ref: '#/components/schemas/AnalyticsReportAck' + - type: object + properties: + startDate: + $ref: '#/components/schemas/ReportStartDate' + endDate: + $ref: '#/components/schemas/ReportEndDate' + days: + type: integer + description: Number of days covered by the report + example: 730 + seasoned: + type: boolean + description: '"true" if the report covers more than 365 days' + example: true + institutions: + type: array + items: + $ref: '#/components/schemas/ReportInstitution' + description: >- + A list of institution records, including information about the + individual accounts used in this report + customerAnalytics: + $ref: '#/components/schemas/CustomerAnalytics' + AFCashFlowAnalyticsReport: + description: A Cash Flow Analytics Report + type: object + allOf: + - $ref: '#/components/schemas/AnalyticsReportAck' + - type: object + properties: + startDate: + $ref: '#/components/schemas/ReportStartDate' + endDate: + $ref: '#/components/schemas/ReportEndDate' + days: + type: integer + description: Number of days covered by the report + example: 730 + seasoned: + type: boolean + description: '"true" if the report covers more than 365 days' + example: true + institutions: + type: array + items: + $ref: '#/components/schemas/ReportInstitution' + description: >- + A list of institution records, including information about the + individual accounts used in this report + customerAnalytics: + $ref: '#/components/schemas/CustomerAnalytics' AggregationStatus: type: string description: |- @@ -8577,6 +12744,143 @@ components: Codes](https://developer.mastercard.com/open-banking-us/documentation/products/manage/account-aggregation/#aggregation-status-codes)). Won't be present until you have run your first aggregation for the account. + AnalyticsReportAck: + required: + - id + - customerType + - customerId + - requestId + - requesterName + - createdDate + - title + - type + - status + - constraints + allOf: + - $ref: '#/components/schemas/BaseReportAck' + - type: object + properties: + businessDetails: + $ref: '#/components/schemas/BusinessDetails' + reportPin: + $ref: '#/components/schemas/ReportPin' + constraints: + $ref: '#/components/schemas/AnalyticsReportConstraintsOut' + AnalyticsReportsAccount: + required: + - id + - name + - number + - type + - currency + - transactions + type: object + properties: + id: + type: integer + description: The ID of the account + format: int64 + example: 1000023996 + ownerName: + type: string + description: + The name(s) of the account owner(s), retrieved from the institution. + example: PATRICK & LORRAINE PURCHASER + ownerAddress: + type: string + description: >- + The mailing address of the account owner, retrieved from the + institution. + example: 7195 BELMONT ST. PARLIN, NJ 08859 + name: + type: string + description: The account name from the institution + example: Checking + number: + type: string + description: The account number from the institution (obfuscated) + example: XX1111 + type: + type: string + description: One of the values from account types + example: checking + aggregationStatusCode: + type: integer + description: The status of the most recent aggregation attempt + format: int32 + example: 0 + currentBalance: + type: number + description: The cleared balance of the account as-of `balanceDate` + example: 100000 + availableBalance: + type: number + description: Available balance + example: 1000 + balanceDate: + type: integer + description: A timestamp showing when the `balance` was captured + format: int64 + example: 1614880526 + transactions: + type: array + items: + $ref: '#/components/schemas/ReportTransaction' + description: a list of transaction records + details: + $ref: '#/components/schemas/AccountDetails' + accountAnalytics: + $ref: '#/components/schemas/AccountAnalytics' + AnalyticsReportConstraints: + type: object + properties: + analyticsReportData: + $ref: '#/components/schemas/AnalyticsReportData' + accountIds: + $ref: '#/components/schemas/ReportAccountIdsString' + reportCustomFields: + $ref: '#/components/schemas/ReportCustomFields' + fromDate: + $ref: '#/components/schemas/UnixDate' + AnalyticsReportConstraintsOut: + type: object + properties: + analyticsReportData: + $ref: '#/components/schemas/AnalyticsReportData' + accountIds: + $ref: '#/components/schemas/ReportAccountIds' + reportCustomFields: + $ref: '#/components/schemas/ReportCustomFields' + fromDate: + $ref: '#/components/schemas/UnixDate' + AnalyticsReportData: + description: Parameters supplied by the client requesting the analytics. + properties: + forCraPurpose: + type: boolean + description: + Field to indicate if the requested report is for CRA or NONCRA. For + small business lending or other similar business use cases, pass the + value as “true” for purposes of this field. + example: true + applicantIsPersonalGuarantor: + type: boolean + description: >- + Field to indicate if the business owner will personally guarantee + the loan. If true, a consumer record will be required. + example: true + timeIntervalTypes: + description: >- + Requested time interval for attribute values. + example: + - MONTHLY_CALENDAR + maxItems: 2 + items: + $ref: '#/components/schemas/TimeIntervalType' + type: array + required: + - forCraPurpose + type: object AnnualIncome: required: - year @@ -9480,6 +13784,40 @@ components: properties: branding: $ref: '#/components/schemas/Branding' + AFBusiness: + type: object + required: + - name + - address + properties: + name: + $ref: '#/components/schemas/BusinessName' + address: + type: object + properties: + addressLine1: + $ref: '#/components/schemas/AddressLine1' + addressLine2: + $ref: '#/components/schemas/AddressLine2' + city: + $ref: '#/components/schemas/City' + state: + $ref: '#/components/schemas/State' + country: + $ref: '#/components/schemas/Country' + postalCode: + $ref: '#/components/schemas/ZipCode' + BusinessDetails: + allOf: + - $ref: '#/components/schemas/AFBusiness' + - type: object + properties: + businessId: + $ref: '#/components/schemas/BusinessId' + BusinessName: + type: string + description: The name of a business + example: ABC Tires Inc CadenceDetails: type: object properties: @@ -12506,6 +16844,29 @@ components: items: $ref: '#/components/schemas/CustomerAccountSimple' description: A list of accounts with basic information of a customer + CustomerAnalytics: + type: object + required: + - transactionalAttributes + - stateAttributes + - streams + description: Analytics and attributes generated at a customer level + properties: + transactionalAttributes: + description: List of calculated transactional attributes + items: + $ref: '#/components/schemas/TransactionalAttribute' + type: array + stateAttributes: + description: List of calculated state attributes + items: + $ref: '#/components/schemas/StateAttribute' + type: array + streams: + description: List of generated streams + items: + $ref: '#/components/schemas/StreamModel' + type: array CustomerId: type: string description: @@ -15840,6 +20201,8 @@ components: - type - status allOf: + - $ref: '#/components/schemas/AFBalanceAnalyticsReport' + - $ref: '#/components/schemas/AFCashFlowAnalyticsReport' - $ref: '#/components/schemas/CashFlowReport' - $ref: '#/components/schemas/PrequalificationReport' - $ref: '#/components/schemas/PayStatementReport' @@ -15996,6 +20359,7 @@ components: description: An account record type: object allOf: + - $ref: '#/components/schemas/AnalyticsReportsAccount' - $ref: '#/components/schemas/CashFlowReportAccount' - $ref: '#/components/schemas/PrequalificationReportAccount' - $ref: '#/components/schemas/TransactionsReportAccount' @@ -16004,6 +20368,10 @@ components: - $ref: '#/components/schemas/VOETransactionsReportAccount' - $ref: '#/components/schemas/VOIReportAccount' - $ref: '#/components/schemas/VOIETXVerifyReportAccount' + ReportPin: + type: string + description: A unique key returned per report for consumer Portal + example: 2398jk ReportRequestId: type: string description: @@ -16274,6 +20642,16 @@ components: * `cfrp` * `cfrb` + + * `barpcra` + + * `barpnoncra` + + * `barbcra` + + * `barbftc` + + * `barbnoncra` type: string example: voi RoutingNumber: @@ -16426,6 +20804,144 @@ components: type: string description: Account statement types example: taxStatement + StateAttribute: + description: 'An attribute which represents some state over time, such as + a balance or a + + calculation, including derivatives, ratios, or projections. Reports the + + state over the requested time interval(s).' + properties: + attributeName: + description: Name of Attribute as mentioned in Data Dictionary + example: NET_CASH_FLOW + type: string + reportedByTimePeriods: + description: List of state values grouped by specified Time Interval + items: + $ref: '#/components/schemas/StateTimeInterval' + type: array + required: + - attributeName + - reportedByTimePeriods + type: object + StatePeriod: + description: Statistics for one period in the report of a StateAttribute. + properties: + beginningValue: + description: Value on the first date in the period + example: 60.21 + type: number + count: + description: Count of data points during the period + example: 2 + type: integer + endDate: + description: End date for the period being reported + example: '2023-01-01' + format: date + type: string + endingValue: + description: Value on the last date in the period + example: 60.21 + type: number + max: + description: Maximum amount during the period + example: 60.21 + type: number + mean: + description: Mean of amounts during the period + example: 42.22 + type: number + median: + description: Median of amounts during the period + example: 42.22 + type: number + min: + description: Minimum amount during the period + example: 30.22 + type: number + standardDeviation: + description: Standard deviation of amounts during the period + example: 14.995 + type: number + startDate: + description: Start date for the period being reported + example: '2022-12-01' + format: date + type: string + sum: + description: Sum of amounts during the period + example: 90.43 + type: number + required: + - startDate + - endDate + - count + - beginningValue + - endingValue + type: object + StateTimeInterval: + description: 'For a StateAttribute, describes a time interval type being + reported + + and a list of periods generated according to that type.' + properties: + periods: + description: + Periods of the specified time interval type, describing the + attribute calculations + items: + $ref: '#/components/schemas/StatePeriod' + type: array + timeIntervalType: + $ref: '#/components/schemas/TimeIntervalTypeEnum' + required: + - timeIntervalType + - periods + type: object + StreamModel: + description: + Describes a history of repeated transactions between the same parties. + properties: + cadence: + description: + Number of days that occur between each transaction in the stream + example: 30 + type: integer + id: + description: Stream Id assigned to identified Stream + example: '1' + type: string + payee: + description: The party in the transaction that is receiving the funds + example: Walmart + type: string + payor: + description: The party in the transaction that is sending the funds + example: Elizabeth Johnson + type: string + recency: + description: + Number of days since the last transaction occurred in the stream + example: 2 + type: integer + transactionIds: + description: List of Transaction IDs that comprise the stream + example: + - '6010290887' + - '6010290914' + items: + type: string + type: array + required: + - id + - payor + - payee + - cadence + - recency + - transactionIds + type: object StringUnixDate: type: string description: >- @@ -16705,6 +21221,22 @@ components: $ref: '#/components/schemas/ThirdPartyAccessReceipt' proof: $ref: '#/components/schemas/ThirdPartyAccessProof' + TimeIntervalType: + description: >- + Possible values for strategies in which attributes may be aggregated and + reported across varying time intervals. Allowed Values - + MONTHLY_CALENDAR - MONTHLY_ROLLING_30 + example: MONTHLY_CALENDAR + type: string + default: MONTHLY_CALENDAR + TimeIntervalTypeEnum: + description: >- + Possible values for strategies in which attributes may be aggregated and + reported across varying time intervals. Allowed Values - + MONTHLY_CALENDAR - MONTHLY_ROLLING_30 + example: MONTHLY_CALENDAR + type: string + default: MONTHLY_CALENDAR Transaction: required: - id @@ -17135,6 +21667,113 @@ components: Value of the `toDate` request parameter that generated this response format: int64 example: 1607450357 + TransactionalAttribute: + description: 'An attribute which represents some + categorization/classification of + + transactions. Enumerates those identified transactions and reports + + aggregations of them over the requested time interval(s).' + properties: + aggregatedByTimePeriods: + description: List of aggregations by specified Time Interval + items: + $ref: '#/components/schemas/TransactionalTimeInterval' + type: array + attributeName: + description: Name of Attribute as mentioned in Data Dictionary + example: INFLOW_TRANSACTIONS + type: string + streamIds: + description: + List of stream IDs categorized as belonging to this attribute + example: + - '1' + - '2' + items: + type: string + type: array + transactionIds: + description: + List of transaction IDs categorized as belonging to this attribute + example: + - '6010290887' + - '6010290914' + items: + type: string + type: array + required: + - attributeName + - aggregatedByTimePeriods + - transactionIds + - streamIds + type: object + TransactionalPeriod: + description: + Statistics for one period in the report of a TransactionalAttribute. + properties: + count: + description: Count of data points during the period + example: 2 + type: integer + endDate: + description: End date for the period being reported + example: '2023-01-01' + format: date + type: string + max: + description: Maximum amount during the period + example: 60.21 + type: number + mean: + description: Mean of amounts during the period + example: 42.22 + type: number + median: + description: Median of amounts during the period + example: 42.22 + type: number + min: + description: Minimum amount during the period + example: 30.22 + type: number + standardDeviation: + description: Standard deviation of amounts during the period + example: 14.995 + type: number + startDate: + description: Start date for the period being reported + example: '2022-12-01' + format: date + type: string + sum: + description: Sum of amounts during the period + example: 90.43 + type: number + required: + - startDate + - endDate + - count + type: object + TransactionalTimeInterval: + description: 'For a TransactionalAttribute, describes a time interval type + being reported + + and a list of periods generated according to that type.' + properties: + periods: + description: + Periods of the specified time interval type, describing the + attribute calculations + items: + $ref: '#/components/schemas/TransactionalPeriod' + type: array + timeIntervalType: + $ref: '#/components/schemas/TimeIntervalTypeEnum' + required: + - timeIntervalType + - periods + type: object TxPushCallbackUrl: type: string description: A callback URL where to receive TxPush notifications @@ -17171,6 +21810,10 @@ components: Times](https://developer.mastercard.com/open-banking-us/documentation/codes-and-formats/). format: int64 example: 1607450357 + UserType: + type: string + description: Type of User, Allowed values Personal/Business + example: business ReportCreatedDate: type: integer description: >-