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<p>Hi Anoop, </p>
<p>Reading DDA, I was wondering about this. </p>
<p>When I want to transfer money from one account to another, I seem to need FromAccountID and ToAccountID. How can I find the AccountID? Is it the Access Token or Refresh Token?</p>
<p>Do I need a permission of the Account Owner to send money to his account? <br />How do I get the AccountID that represents the other person's account?</p>
<p>In Japan, typically, a sender needs to specify:</p>
<p>* BankID<br />* BranchID<br />* AccountType<br />* AccountNumber<br />* AccountName in Katakana</p>
<p>(These probably varies depending on countries.) </p>
<p>Then, the sending bank makes a request to receiving bank to verify that these details matches and creates a transfer object with the amount entered by the user and the user's withdrawal account details. The user must specify from which account the money should be withdrawn. <br /> <br />This transfer object is then shown to the user, and the user commits to it. </p>
<p>From an API point of view, there would be an accountInfo object such as</p>
<p>accountInfo<br /> BankID<br /> BranchID<br /> AccountType<br /> AccountNumber<br /> AccountNameKana</p>
<p>as JSON which is sent to accountID endpoint of the BankID that returns accountID, perhaps unique to the transaction. This endpoint would be a protected resource, and would probably requires the access token issued to the originating bank or the payment initiating service. </p>
<p>Then, it does the same for the account that the money is withdrawn.</p>
<p>Then, the resulting transfer object would become: </p>
<p><a class="title"><span class="opening brace">{<br /></span></a>TransferId:<br />FromAccountId:<br />ToAccountId:<br />Amount:<br />Memo:<br /><a class="title">PaymentDetails <span class="opening brace">{<br /></span></a> PrincipalAmount:<br /> FeesAmount:<br /> }<br />}</p>
<p>Another question about the AccountID is that it may not be globally unique unless there is an issuer component to it. How is it being managed? </p>
<p>Also, for the transfer object, it feels much better to explicitly stating the FromAccount currency. (I read that "Amount" is expressed in FromAccountID currency. ) </p>
<p>Best, </p>
<p>Nat Sakimura</p>
<p> </p>
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