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<div>Hello Nat,</div>
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<div>Transfer API is for transfer between user owned / or have permission (such as Joint/ custodian) accounts within a bank. </div>
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<div>This is not for making a transfer between two accounts owned by two different customer with no relation within a bank.</div>
<div>This also not for making a transfer between two account from different bank.</div>
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<div>DDA did not go that far to solve for these use cases</div>
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<div>Thanks,</div>
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<div>Anoop</div>
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<span style="font-weight:bold">From: </span>Nat Sakimura via Openid-specs-fapi <<a href="mailto:openid-specs-fapi@lists.openid.net">openid-specs-fapi@lists.openid.net</a>><br>
<span style="font-weight:bold">Reply-To: </span>Nat Sakimura <<a href="mailto:nat@sakimura.org">nat@sakimura.org</a>><br>
<span style="font-weight:bold">Date: </span>Tuesday, August 2, 2016 at 1:14 PM<br>
<span style="font-weight:bold">To: </span>Openid-specs Fapi <<a href="mailto:openid-specs-fapi@lists.openid.net">openid-specs-fapi@lists.openid.net</a>><br>
<span style="font-weight:bold">Subject: </span>[Openid-specs-fapi] How do I find AccountID to use in transfer?<br>
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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should be withdrawn.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>
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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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