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Illustrative Business Cases
Accounts, Balances & Payments
D&A ModerAD Initiative
What is PSD2?
The Payment Services Directive is an EU Directive
Administered by the European Commission
To regulate payment services and payment service providers
Copyright © 2016 HCL Technologies Limited | www.hcltech.com
Scenario – Account Information
Illustrate A ou t i for atio , Bala e a d Tra sa tio history for a usto er usi g APIGEE PSD2 i ple e tatio
Account information
Retail Consumer Point of View – Customer Account Aggregation Dashboard
As a multi banked consumer, I want to see a consolidated view of my accounts and spending patterns so that I can understand
what I spend on and where I could look for savings opportunities.
As a a ou t aggregatio tool pro ider, I a t to e a le to a ess the usto ers’ tra sa tio al history fro all their banks so
that I can provide an aggregated dashboard of the overall spending
Copyright © 2016 HCL Technologies Limited | www.hcltech.com
Scenario – Payment Initiation
Illustrate pay e ts for o li e shoppi g a d staff pur hase o ehalf of e ployer
Le eragi g APIGEE PSD2 i ple e tatio
Payment Initiation – Online Purchase
Retail Consumer Point of View – Online Purchase from a Retailer
As a customer, I want to pay for goods that I buy from a retailer using my bank account, and see the balance on my account
before confirming the payment, so that I can be aware whether I will be overdrawn after making the payment.
Retail Merchant Point of View
As a retailer, I a t to reate a pay e t tra sfer fro the usto er’s a ou t to i e, so that I a e sure of the pay e t before fulfilment of their purchase.
Business Point of View – Employer
As a business, I want my staff to be able to purchase goods online, but within my control and without them having full access
to the account, so that I can be confident that misuse cannot happen and the confidentiality of the account is maintained.
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PSD2 Usage – AISP Flow diagram
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Bank portal
website
Account Info
screen
User selects accounts
and clicks Account Info
button
Fetch account info
from Apigee ent
Display Consolidate
Account Info
User selects accounts and
clicks Consolidate statement
button
Fetch Transaction details
from Apigee ent
Display Consolidate
Statement of
accounts
User clicks generate
analytic reports ent
Display pie chart
for analytics report
PSD2 Usage – PISP Flow diagram (Retail Consumer Purchase)
Copyright © 2016 HCL Technologies Limited | www.hcltech.com
Online purchase
website
User clicks Login
User enters valid
credential
Display balance
screen
User clicks initiate
payment ent
User confirms payment
Display confirm
screen
R
R
Apigee Login
screen
User submits valid
credential
Display Authorize
screen
User selects Account
and submit
Callback URL
with success
screen
If OTP
eligible Display OTP
screen
Send the request
to Apigee
Yes
On Success
No
Apigee slide
Application Slide
AISP – Screen – View Multiple Bank Accounts
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| Help | Home | Log Out
AISP – Screen – Consolidate view of Transaction History
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| Help | Home | Log Out
AISP – Screen – Analytics Report
Copyright © 2016 HCL Technologies Limited | www.hcltech.com
| Show Items on Cart |
| Verify Balance|
| Verify Transactions|
| Help | Home | Log Out Welcome Mr. Peterson
PISP – Screen – Purchase – Check Balance
Copyright © 2016 HCL Technologies Limited | www.hcltech.com
| Show Items on Cart |
| Verify Balance|
| Verify Transactions|
Welcome Mr. Peterson
PISP – Purchase – Initiate Payment
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Welcome Mr. Peterson
PISP – Screen – APIGEE Authorization
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Welcome Mr. Peterson
PISP – Screen – Transaction Completion
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PISP_App : Payment Initiation Service Providers Application
AISP_App : Account Information Service Providers Application
Apps and Proxies being used from APIGEE
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OAuth : Uses the access token to access the protected resources hosted by the resource server
Transfers : Deals with payment transfer
Accounts : Deals with Account Information for a specific customer
Transactions : Deals with transaction history for the linked accounts for a customer
Apps Used:-
Proxies Used:-
Pre-conditions, Request and Response
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Pre-conditions:-
AISP and PISP applications should be deployed in developer portal for the consumer application
The consumer should have an active Consumer key and secret code
Request:-
Request should be encoded with JSON web token and HS256 algorithm
Should be authorized with secret code
Response:-
APIGEE keeps the customer and account related data in JSON format
Whenever requested APIGEE response back to the consumer with JSON data
Consumer application can make use of the JSON data and populate those in UI for end user.
Other APIs which supports PSD2
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WSO2
MuleSoft
• OTP Sync up for mobile devices
• BaaS to On Premises Data Sync up.
• APIGEE API does not send messages to the non European mobile number.
• BaaS data update through de eloper’s appli atio
PSD2 Usage – Risks & Challenges
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• The web application should able to communicate APIGEE EDGE
• The changes done in APIGEE BaaS will be reflected immediately
• APIGEE API will send the final response to the defined URL
PSD2 Usage – Assumptions & Pre-requisite
Copyright © 2016 HCL Technologies Limited | www.hcltech.com
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