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</o:shapelayout></xml><![endif]--></head><body lang=JA link=blue vlink=purple><div class=WordSection1><p class=MsoNormal><a name="_MailEndCompose"><span lang=EN-US style='font-size:10.0pt;font-family:"Arial",sans-serif;color:#1F497D'>Thanks Anoop, <o:p></o:p></span></a></p><p class=MsoNormal><span lang=EN-US style='font-size:10.0pt;font-family:"Arial",sans-serif;color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span lang=EN-US style='font-size:10.0pt;font-family:"Arial",sans-serif;color:#1F497D'>Got it. So, the “transfer” is a lower risk scenario than sending money to somebody else, I gather. <o:p></o:p></span></p><p class=MsoNormal><span lang=EN-US style='font-size:10.0pt;font-family:"Arial",sans-serif;color:#1F497D'>I suppose we can look at other APIs when it comes to sending money from one person to another, which we can postpone till R.3. <o:p></o:p></span></p><p class=MsoNormal><span lang=EN-US style='font-size:10.0pt;font-family:"Arial",sans-serif;color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span lang=EN-US style='font-size:10.0pt;font-family:"Arial",sans-serif;color:#1F497D'>Best, <o:p></o:p></span></p><p class=MsoNormal><span lang=EN-US style='font-size:10.0pt;font-family:"Arial",sans-serif;color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span lang=EN-US style='font-size:10.0pt;font-family:"Arial",sans-serif;color:#1F497D'>Nat<o:p></o:p></span></p><p class=MsoNormal><span lang=EN-US style='font-size:10.0pt;font-family:"Arial",sans-serif;color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span lang=EN-US style='font-size:10.0pt;font-family:"Arial",sans-serif;color:#1F497D'><o:p> </o:p></span></p><div><p class=MsoNormal><span lang=EN-US style='font-size:10.0pt;font-family:"MS Gothic";color:#1F497D'>--<o:p></o:p></span></p><p class=MsoNormal><span lang=EN-US style='font-size:10.0pt;font-family:"MS Gothic";color:#1F497D'>PLEASE READ :This e-mail is confidential and intended for the<o:p></o:p></span></p><p class=MsoNormal><span lang=EN-US style='font-size:10.0pt;font-family:"MS Gothic";color:#1F497D'>named recipient only. If you are not an intended recipient,<o:p></o:p></span></p><p class=MsoNormal><span lang=EN-US style='font-size:10.0pt;font-family:"MS Gothic";color:#1F497D'>please notify the sender and delete this e-mail.<o:p></o:p></span></p></div><p class=MsoNormal><span lang=EN-US style='font-size:10.0pt;font-family:"Arial",sans-serif;color:#1F497D'><o:p> </o:p></span></p><div style='border:none;border-left:solid blue 1.5pt;padding:0mm 0mm 0mm 4.0pt'><div><div style='border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0mm 0mm 0mm'><p class=MsoNormal><b><span lang=EN-US style='font-size:11.0pt;font-family:"Calibri",sans-serif'>From:</span></b><span lang=EN-US style='font-size:11.0pt;font-family:"Calibri",sans-serif'> Openid-specs-fapi [mailto:openid-specs-fapi-bounces@lists.openid.net] <b>On Behalf Of </b>Saxena, Anoop via Openid-specs-fapi<br><b>Sent:</b> Monday, August 8, 2016 10:42 AM<br><b>To:</b> Nat Sakimura <nat@sakimura.org>; Openid-specs Fapi <openid-specs-fapi@lists.openid.net><br><b>Subject:</b> Re: [Openid-specs-fapi] How do I find AccountID to use in transfer?<o:p></o:p></span></p></div></div><p class=MsoNormal><span lang=EN-US><o:p> </o:p></span></p><div><p class=MsoNormal><span lang=EN-US style='font-size:10.5pt;font-family:"Calibri",sans-serif;color:black'>Hello Nat,<o:p></o:p></span></p></div><div><p class=MsoNormal><span lang=EN-US style='font-size:10.5pt;font-family:"Calibri",sans-serif;color:black'><o:p> </o:p></span></p></div><div><p class=MsoNormal><span lang=EN-US style='font-size:10.5pt;font-family:"Calibri",sans-serif;color:black'>Transfer API is for transfer between user owned / or have permission (such as Joint/ custodian) accounts within a bank. <o:p></o:p></span></p></div><div><p class=MsoNormal><span lang=EN-US style='font-size:10.5pt;font-family:"Calibri",sans-serif;color:black'><o:p> </o:p></span></p></div><div><p class=MsoNormal><span lang=EN-US style='font-size:10.5pt;font-family:"Calibri",sans-serif;color:black'>This is not for making a transfer between two accounts owned by two different customer with no relation within a bank.<o:p></o:p></span></p></div><div><p class=MsoNormal><span lang=EN-US style='font-size:10.5pt;font-family:"Calibri",sans-serif;color:black'>This also not for making a transfer between two account from different bank.<o:p></o:p></span></p></div><div><p class=MsoNormal><span lang=EN-US style='font-size:10.5pt;font-family:"Calibri",sans-serif;color:black'><o:p> </o:p></span></p></div><div><p class=MsoNormal><span lang=EN-US style='font-size:10.5pt;font-family:"Calibri",sans-serif;color:black'>DDA did not go that far to solve for these use cases<o:p></o:p></span></p></div><div><p class=MsoNormal><span lang=EN-US style='font-size:10.5pt;font-family:"Calibri",sans-serif;color:black'><o:p> </o:p></span></p></div><div><p class=MsoNormal><span lang=EN-US style='font-size:10.5pt;font-family:"Calibri",sans-serif;color:black'>Thanks,<o:p></o:p></span></p></div><div><p class=MsoNormal><span lang=EN-US style='font-size:10.5pt;font-family:"Calibri",sans-serif;color:black'><o:p> </o:p></span></p></div><div><p class=MsoNormal><span lang=EN-US style='font-size:10.5pt;font-family:"Calibri",sans-serif;color:black'>Anoop<o:p></o:p></span></p></div><div><p class=MsoNormal><span lang=EN-US style='font-size:10.5pt;font-family:"Calibri",sans-serif;color:black'><o:p> </o:p></span></p></div><div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0mm 0mm 0mm'><p class=MsoNormal><b><span lang=EN-US style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:black'>From: </span></b><span lang=EN-US style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:black'>Nat Sakimura via Openid-specs-fapi <<a href="mailto:openid-specs-fapi@lists.openid.net">openid-specs-fapi@lists.openid.net</a>><br><b>Reply-To: </b>Nat Sakimura <<a href="mailto:nat@sakimura.org">nat@sakimura.org</a>><br><b>Date: </b>Tuesday, August 2, 2016 at 1:14 PM<br><b>To: </b>Openid-specs Fapi <<a href="mailto:openid-specs-fapi@lists.openid.net">openid-specs-fapi@lists.openid.net</a>><br><b>Subject: </b>[Openid-specs-fapi] How do I find AccountID to use in transfer?<o:p></o:p></span></p></div><div><p class=MsoNormal><span lang=EN-US style='font-size:10.5pt;font-family:"Calibri",sans-serif;color:black'><o:p> </o:p></span></p></div><div><div><p><span lang=EN-US style='font-size:10.5pt;font-family:"Verdana",sans-serif;color:black'>Hi Anoop, <o:p></o:p></span></p><p><span lang=EN-US style='font-size:10.5pt;font-family:"Verdana",sans-serif;color:black'>Reading DDA, I was wondering about this. <o:p></o:p></span></p><p><span lang=EN-US style='font-size:10.5pt;font-family:"Verdana",sans-serif;color:black'>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?<o:p></o:p></span></p><p><span lang=EN-US style='font-size:10.5pt;font-family:"Verdana",sans-serif;color:black'>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?<o:p></o:p></span></p><p><span lang=EN-US style='font-size:10.5pt;font-family:"Verdana",sans-serif;color:black'>In Japan, typically, a sender needs to specify:<o:p></o:p></span></p><p><span lang=EN-US style='font-size:10.5pt;font-family:"Verdana",sans-serif;color:black'>* BankID<br>* BranchID<br>* AccountType<br>* AccountNumber<br>* AccountName in Katakana<o:p></o:p></span></p><p><span lang=EN-US style='font-size:10.5pt;font-family:"Verdana",sans-serif;color:black'>(These probably varies depending on countries.) <o:p></o:p></span></p><p><span lang=EN-US style='font-size:10.5pt;font-family:"Verdana",sans-serif;color:black'>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. <o:p></o:p></span></p><p><span lang=EN-US style='font-size:10.5pt;font-family:"Verdana",sans-serif;color:black'>From an API point of view, there would be an accountInfo object such as<o:p></o:p></span></p><p><span lang=EN-US style='font-size:10.5pt;font-family:"Verdana",sans-serif;color:black'>accountInfo<br> BankID<br> BranchID<br> AccountType<br> AccountNumber<br> AccountNameKana<o:p></o:p></span></p><p><span lang=EN-US style='font-size:10.5pt;font-family:"Verdana",sans-serif;color:black'>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. <o:p></o:p></span></p><p><span lang=EN-US style='font-size:10.5pt;font-family:"Verdana",sans-serif;color:black'>Then, it does the same for the account that the money is withdrawn.<o:p></o:p></span></p><p><span lang=EN-US style='font-size:10.5pt;font-family:"Verdana",sans-serif;color:black'>Then, the resulting transfer object would become: <o:p></o:p></span></p><p><span class=opening><span lang=EN-US style='font-size:10.5pt;font-family:"Verdana",sans-serif;color:black'>{</span></span><span lang=EN-US style='font-size:10.5pt;font-family:"Verdana",sans-serif;color:black'><br>TransferId:<br>FromAccountId:<br>ToAccountId:<br>Amount:<br>Memo:<br>PaymentDetails <span class=opening>{</span><br> PrincipalAmount:<br> FeesAmount:<br> }<br>}<o:p></o:p></span></p><p><span lang=EN-US style='font-size:10.5pt;font-family:"Verdana",sans-serif;color:black'>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? <o:p></o:p></span></p><p><span lang=EN-US style='font-size:10.5pt;font-family:"Verdana",sans-serif;color:black'>Also, for the transfer object, it feels much better to explicitly stating the FromAccount currency. (I read that "Amount" is expressed in FromAccountID currency. ) <o:p></o:p></span></p><p><span lang=EN-US style='font-size:10.5pt;font-family:"Verdana",sans-serif;color:black'>Best, <o:p></o:p></span></p><p><span lang=EN-US style='font-size:10.5pt;font-family:"Verdana",sans-serif;color:black'>Nat Sakimura<o:p></o:p></span></p><p><span lang=EN-US style='font-size:10.5pt;font-family:"Verdana",sans-serif;color:black'> <o:p></o:p></span></p><div><p class=MsoNormal><span lang=EN-US style='font-size:10.5pt;font-family:"Verdana",sans-serif;color:black'> <o:p></o:p></span></p></div></div></div></div></div></body></html>