FINS BIAN Transaction Authorization Process API
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Examples of Use
A customer payment request from their current account is authorized during an assisted servicing session
Role Definition
This service domain is used to mitigate transaction risk for interactive product and service access fulfillment and works in collaboration with customer identity authentication services. It analyses recent customer activity in order to detect possible out of pattern/fraudulent behavior and authorizes transactions accordingly. The authorization can be subject to obtaining increased levels of customer authentication by requiring the customer to provide additional proof of identity.
Related Business Scenarios
EXT HANDLE REQUEST TO ESTABLISH CREDIT TRANSFER STANDING ORDER ON CORPORATE CURRENT ACCOUNT
EXT HANDLE REQUEST FOR PREFERENTIAL RATES FOR CORPORATE CURRENT ACCOUNT
EXT HANDLE REQUEST TO DETACH ACCOUNT FROM CORPORATE PAYROLL SERVICE AGREEMENT
EXT HANDLE REQUEST FOR EARLY RENEWAL OF TERM DEPOSIT
EXT HANDLE REQUEST FOR HIGH VOLUME VIRTUAL ACCOUNT OPENING
EXT HANDLE REQUEST TO OPEN TERM DEPOSIT UNDER TERM DEPOSIT AGREEMENT FOR RETAIL CUSTOMER
EXT RECORD CORE SEPA DIRECT DEBIT MANDATE AT CREDITOR BANK
EXT HANDLE REQUEST TO ADD SIGNATORY TO CORPORATE CURRENT ACCOUNT
EXT HANDLE REQUEST FOR RENEWAL OF UNCOLLATERALISED CONSUMER LOAN
EXT HANDLE REQUEST TO OPEN VIRTUAL ACCOUNT
EXT PROCESS B2B DIRECT DEBIT MANDATE NOTICE FROM CREDITOR BANK AT DEBTOR BANK
EXT HANDLE REQUEST TO CHANGE CORPORATE CURRENT ACCOUNT OWNERSHIP
EXT HANDLE REQUEST TO CHANGE TERM DEPOSIT ATTACHED CORPORATE CURRENT ACCOUNT
EXT HANDLE REQUEST TO CLOSE VIRTUAL ACCOUNT
EXT HANDLE REQUEST FOR HIGH VOLUME ACCOUNT OPENING
EXT HANDLE CUSTOMER RELATIONSHIPS CASE
HANDLE CUSTOMER REQUEST FOR PAYMENT ORDER DURING ACTIVE MOBILE ACCESS SESSION
EXT HANDLE REQUEST FOR COMBINED ACCOUNT STATEMENT
EXT HANDLE MERCHANDISING LOAN APPLICATION
EXT HANDLE REQUEST TO OPEN CORPORATE CURRENT ACCOUNT
EXT HANDLE REQUEST TO REACTIVATE DORMANT CORPORATE CURRENT ACCOUNT
EXT HANDLE BULK REQUEST FOR OPENING SALARY ACCOUNTS
EXT HANDLE REQUEST TO CHANGE TERM DEPOSIT AGREEMENT CONDITIONS
EXT HANDLE REQUEST TO CHANGE VIRTUAL ACCOUNT OWNERSHIP
EXT HANDLE REQUEST TO MOVE OVERDRAFT LIMIT BETWEEN VIRTUAL ACCOUNTS
EXT HANDLE REQUEST TO USE DIRECT DEBITS AS PAYMENT INSTRUMENT
EXT HANDLE REQUEST TO ADD ACCOUNT TO SWEEP AGREEMENT
EXT HANDLE INSTRUCTION TO TERMINATE B2B DIRECT DEBITS SERVICE AT CREDITOR BANK
EXT HANDLE REQUEST FOR OVERDRAFT LIMIT ON VIRTUAL ACCOUNT
EXT HANDLE REQUEST TO PRE-OPEN CORPORATE CURRENT ACCOUNT
EXT HANDLE REQUEST FOR MODIFICATION OF MERCHANDISING LOAN
EXT HANDLE REQUEST TO OPEN TERM DEPOSIT AGREEMENT FOR RETAIL CUSTOMER
EXT HANDLE REQUEST FOR ACCOUNT STATEMENT AND BALANCES
EXT HANDLE REQUEST TO OPEN TERM DEPOSIT UNDER TERM DEPOSIT AGREEMENT FOR CORPORATE CUSTOMER
EXT HANDLE REQUEST TO OPEN RETAIL CURRENT ACCOUNT
HANDLE REQUEST TO GET CUSTOMER ACCOUNT BALANCE
GET CUSTOMER REQUEST AND SHOW ACCOUNT BALANCE
EXT HANDLE REQUEST FOR CORPORATE DEBIT CARDS SERVICE
EXT HANDLE REQUEST FOR EARLY CLOSING OF TERM DEPOSIT
EXT HANDLE REQUEST TO CLOSE CORPORATE CURRENT ACCOUNT
HANDLE REQUEST TO OPEN TERM DEPOSIT UNDER TERM DEPOSIT AGREEMENT FOR RETAIL CUSTOMER
EXT HANDLE REQUEST TO TERMINATE SWEEP AGREEMENT
EXT HANDLE REQUEST FOR ACCOUNT STATEMENT AND OUTGOING CREDIT TRANSFER
EXT HANDLE REQUEST TO ESTABLISH TERM DEPOSIT AGREEMENT
HANDLE REQUEST FOR TOKEN ASSURANCE
EXT HANDLE REQUEST TO CHANGE SWEEP SEQUENCE
Core Business Object
Key Features
- Consolidate details of proposed customer transaction
- Analyze recent channel activity for out of pattern customer behavior
Detect fraud/unwanted activity – raise authentication requirements
Customers can use this integration template to accelerate implementation.