Technical specification - Domestic payments and deposits
ÍST TS-310 defines web application programming interfaces implemented by Icelandic commercial and savings banks to expose shared functionality and information for domestic payments and deposits, under the Icelandic Online Banking Web Services (IOBWS) framework of specifications. Other ÍST Technical Specifications exist which address related but discrete units of the overall IOBWS framework, either as new additions or upgrades to the previous specifications. Some crosscutting guidelines and shared concerns are addressed in the workshop agreement ÍST WA-316. As the consumption and implementation of each part of IOBWS are optional, the documents aim to be independent of each other. However, due to the origin of the underlying OpenAPI specification in the Berlin Group NextGenPSD2 Framework, ÍST TS-310 on Domestic Payments and Deposits and ÍST TS-313 on Foreign Payments overlap quite significantly. Both are based on the “IOBWS3.0.yaml” definition document and share schema type and API service definitions. They will still be treated as separate entities, but stakeholders are advised to reference the other document if more context is required. The focus in ÍST TS-310 is the following: the domestic adaptations to the relevant parts of the NextGenPSD2 framework; as well as the information needed to tie that to earlier IOBWS versions or other such implementations, including the Core Banking systems involved. The intended audience for the specification document ÍST TS-310 is those who are implementing banking services and systems that will consume them as API clients. The reader is expected to have a basic understanding of the Icelandic financial products involved. Further documentation on business aspects of those products will be available from each bank, as they may involve service agreements and the end customers’ contractual preferences and benefits. Out of necessity, the previous IOBWS technical specifications largely consisted of expressing the intent and actual content in a human-readable format, otherwise found in the associated XML Schema and SOAP definitions. The expectation for ÍST TS-310 is that the technical service definitions and JSON data schemas in the accompanying OpenAPI specification can be understood using utilities that can convert them into documentation or navigatable user interfaces. Consequently, the ÍST TS-310 specification avoids the unnecessary repetition of information found in the technical contract IOBWS3.0.yaml. Instead, the rest of the document focuses on the information needed to understand the domestic context of services, schema types and service flows in relation to the NextGenPSD2 framework, as well as what constitutes the common core required to implement ÍST TS-310.
The Icelandic banks joint effort to create third version of the IOBWS (Icelandic Online Banking Web Service) is described in this workshop agreement. The third version of IOBWS will support the domestic implementation of the Payment Service Directive (EU 2015/2366, also known as PSD2). The workshop agreed to extend the Berlin Group NextGenPSD2 Framework and add Icelandic requirements to the frame-work. Berlin Group NextGenPSD2 includes payments, accounts and consent. NextGenPSD2 can be described as "Access to Account (XS2A) Framework" with data model (at conceptual, logical and physical data levels) and associated messaging. The workshop agreed to define three payment products and to make changes to the data model to include claim payments. This document reflects the agreements made on the workshop ÍST VS-3 Innlendar greiðslur og innlán, and are based on the analysis of two working groups of TN-FMÞ on the matter.