Example configuration of FI & service providers (SP)
There are multiple ways that data will be reported based on many organizations within a FI, use of SP and multiple systems. This affects how the data is reported and how certificates and data shall be reported is outlined below. We see the following main setups:
- Case A: One FI (or service provider) reports for only one organization
- Case B: One FI (or service provider) reports for multiple organizations
Some principles are defined for reporting:
- A FI is responsible for aggregating data from all internal systems before that is sent to the DIC. Data from a FI may be delivered from different providers. Each provider must have its own certificate and providerID (Example 1 and example 1,1).
- The customer array in the reported data may come from multiple FIs. A unique instance of the customer for each FI shall exist. The loans array of a customer object shall not contain data from multiple FIs. (Example 2).
- The serial number of the certificate shall be the organization number for the FI/SP. (Example 3).
- The customer array in the reported data may come from multiple FIs/SPs and multiple systems. A unique instance of the customer for each FI shall exist, containing data for all systems used by the FI. The loans array of a customer object shall not contain data from multiple FIs (Example 4).
Example 1
This example illustrates how a FI shall report data when information about debt is stored in multiple systems.
Overview
The ID’s used in the figure is customer ID and account ID. The white boxes are system within a FI, and the green box reports the organization reporting the data on behalf of the FI.
Message
{
"providerID" : "9908:999888777",
"customers" : [{
"customerID" : "32021112345",
"financialInstitutionID" : "999888777",
"loans" : [{
"type" : " creditFacility",
"timestamp" : "2018-02-05T12:54:12Z",
"accountID" : "12",
"accountName" : "Kort",
"creditLimit" : "10000000",
"interestBearingBalance" : "5000000",
"nonInterestBearingBalance" : "0",
"nominalInterestRate" : "0800",
"installmentCharges" : "5000",
"installmentChargePeriod" : "MONTHLY",
"coBorrower" : "0"
},
{
"type" : "chargeCard",
"timestamp" : "2018-02-05T12:54:11Z",
"accountID" : "52",
"accountName" : "Kort",
"interestBearingBalance" : "0",
"nonInterestBearingBalance" : "12500",
"coBorrower" : "0"
}]
}]
}
Example 1.1
This example illustrates how a FI shall report data when information about debt is stored in multiple systems, and this is delivered from several providers.
Message
{
"providerID" : "9908:777999888",
"customers" : [{
"customerID" : "32021112345",
"financialInstitutionID" : "999888777",
"loans" : [{
"type" : " creditFacility",
"timestamp" : "2018-02-05T12:54:12Z",
"accountID" : "12",
"accountName" : "Kort",
"creditLimit" : "10000000",
"interestBearingBalance" : "5000000",
"nonInterestBearingBalance" : "0",
"nominalInterestRate" : "0800",
"installmentCharges" : "5000",
"installmentChargePeriod" : "MONTHLY",
"coBorrower" : "0"
}]
}]
}
Message
{
"providerID" : "9908:888777999",
"customers" : [{
"customerID" : "32021112345",
"financialInstitutionID" : "999888777",
"loans" : [{
"type" : "chargeCard",
"timestamp" : "2018-02-05T12:54:11Z",
"accountID" : "52",
"accountName" : "Kort",
"interestBearingBalance" : "0",
"nonInterestBearingBalance" : "12500",
"coBorrower" : "0"
}]
}]
}
Example 2
This example illustrates how data shall be reported from multiple FIs.
Overview The ID’s used in the figure is customer ID and account ID. The white boxes are system within a FI, and the green box reports the organization (SP) reporting the data on behalf of the FI.
Message
{
"providerID" : "9908:999888777",
"customers": [{
"customerID" : "32021112345",
"financialInstitutionID" : "900000111",
"loans" : [{
"type" : "creditFacility",
"timestamp" : "2018-02-05T12:54:12Z",
"accountID" : "47",
"accountName" : "Kort",
"creditLimit" : "500000",
"interestBearingBalance" : "10000",
"nonInterestBearingBalance" : "2000",
"nominalInterestRate" : "1200",
"installmentCharges" : "5000",
"installmentChargePeriod" : "MONTHLY",
"coBorrower" : "0"
}]},{
"customerID" : "32021112345",
"financialInstitutionID" : "900000777",
"loans" : [{
"type" : "creditFacility",
"timestamp" : "2018-02-05T12:54:12Z",
"accountID" : "39",
"accountName" : "Kort",
"creditLimit" : "500000",
"interestBearingBalance" : "50000",
"nonInterestBearingBalance" : "1000000",
"nominalInterestRate" : "1200",
"installmentCharges" : "5000",
"installmentChargePeriod" : "MONTHLY",
"coBorrower" : "0"
}]
}]
}
Example 3
This example shows how the serialnumber of the certificate shall be the organizationnumber for the provider, and that last part of providerID is the organizationnumber.
Certificate
CN = xyz.no
O = XYZ AS
L = Oslo
C = NO
SERIALNUMBER = 999 888 777
Message
{
"providerID" : "9908:999888777",
"customers" : [{
"customerID" : "32021112345",
"financialInstitutionID" : "123456789"
...
}
Example 4
This example illustrates how a group of banks may report data, using multiple systems.
Overview The ID’s used in the figure is customer ID and account ID. The white boxes are system within a The responsible unit for receiving data and distributing this further to the marketFI, and the green box reports the organization reporting the data on behalf of the SP.
Message
{
"providerID" : "9908:999888777",
"customers": [{
"customerID" : "32021112345",
"financialInstitutionID" : "900000111",
"loans" : [{
"type" : "creditFacility",
"timestamp" : "2018-02-05T12:54:12Z",
"accountID" : "47",
"accountName" : "Kort",
"creditLimit" : "500000",
"interestBearingBalance" : "10000",
"nonInterestBearingBalance" : "2000",
"nominalInterestRate" : "1200",
"installmentCharges" : "5000",
"installmentChargePeriod" : "MONTHLY",
"coBorrower" : "0"
}]},{
"customerID" : "32021112345",
"financialInstitutionID" : "900000777",
"loans" : [{
"type" : "creditFacility",
"timestamp" : "2018-02-05T12:54:12Z",
"accountID" : "39",
"accountName" : "Kort",
"creditLimit" : "500000",
"interestBearingBalance" : "50000",
"nonInterestBearingBalance" : "1000000",
"nominalInterestRate" : "1200",
"installmentCharges" : "5000",
"installmentChargePeriod" : "MONTHLY",
"coBorrower" : "0"
},{
"type" : "repaymentLoan",
"timestamp" : "2018-02-05T12:59:32Z",
"accountID" : "31",
"accountName" : "Forbrukslån 100%",
"originalBalance" : "50000",
"balance" : "20000",
"terms" : "20",
"nominalInterestRate" : "1200",
"installmentCharges" : "0",
"installmentChargePeriod" : "MONTHLY",
"coBorrower" : "0"
}]
}]
}