Sharing Product Details API

Owned by CBB Admin
Oct 27, 2020
22 min read

1. Version Control

Version

Date

Description of Changes

Bahrain OBF v1.0.0

28th Oct 2020

Initial Release

2. Overview

The Sharing product details API is used by an AISP to request an ASPSP to retrieve list of products details and features.

3. Endpoints

S. No.

Resource

HTTP Operation

Endpoint

Mandatory

Scope

Grant Type

Request Object

Response Object

3.1

sharing product details

GET

GET /sharing-product-details

Mandatory

Client Credentials

No

NA

OBReadSharingProductDetails

4. Data Models

The data dictionary section gives detail on the payload content for the Sharing Product Details API flows.

4.1 Sharing Product Details – Response

 The OBReadSharingProductDetails object will be used for the call to:

  • GET /sharing-product-details

4.1.1 UML Diagram

 

 

 

 

 

 

4.1.2 Notes

The sharing-product-details response contains the full payload of all the products sent by ASPSP.

Below are the products:

  • Credit Cards

  • Loans- In Islamic banking, this field is referred to as ‘Financings’

  • CASA- Current Account and Savings Account

  • Investment- In Islamic banking, this field is referred to as ‘Investment Account’

  • Fund Transfer Services

Each of the products contains below elements:

  • Product Details

  • Features

  • Eligibility

  • Benefits

  • Terms and Conditions

In addition, the following information can be requested through the Sharing Product Details API

  • Branch

  • ATM       

4.1.3 Data Dictionary

The fields mentioned in the UML diagram are basic product details and features for banks to incorporate in the APIs. Based on the specific cases and applicability, banks may choose to increase the fields for sharing with the AISPs. Also, banks that are not offering any products/services might choose not to build them in the APIs.

Name

Occurrence

XPath

Enhanced Definition

Class/ Datatype

Codes

Pattern

OBReadSharingProductDetails

 

OBReadSharingProductDetails

 

OBReadSharingProductDetails

 

 

Data

1..1

OBReadSharingProductDetails/Data

 

OBReadSharingProductDetails/Data

 

 

CreditCards

0..n

OBReadSharingProductDetails/Data/CreditCards

List of Credit card products

OBReadSharingProductDetails/Data/CreditCards

 

 

ProductDetails

1..1

OBReadSharingProductDetails/Data/CreditCards/ProductDetails

This Section covers basic product description

OBReadSharingProductDetails/Data/CreditCards/ProductDetails

 

 

CategoryName

1..1

OBReadSharingProductDetails/Data/CreditCards/ProductDetails/CategoryName

Product category name used by ASPSPs

String

 

 

CategoryCode

1..1

OBReadSharingProductDetails/Data/CreditCards/ProductDetails/CategoryCode

Product category code used by ASPSPs

String

 

 

ProductDescription

1..1

OBReadSharingProductDetails/Data/CreditCards/ProductDetails/ProductDescription

A brief description of the product

String

 

 

ProductCode

1..1

OBReadSharingProductDetails/Data/CreditCards/ProductDetails/ProductCode

Product Code for ASPSPs operational purpose

String

 

 

SubProductCode

1..1

OBReadSharingProductDetails/Data/CreditCards/ProductDetails/SubProductCode

Sub-Product Code for ASPSPs operational purpose

String

 

 

ProductURL

0..1

OBReadSharingProductDetails/Data/CreditCards/ProductDetails/ProductURL

Product URL

String

 

 

Segment

1..1

OBReadSharingProductDetails/Data/CreditCards/ProductDetails/Segment

Product segment such as lifestyle, travel, reward points, etc.

String

 

 

Features

0..1

OBReadSharingProductDetails/Data/CreditCards/Features

List of product features

OBReadSharingProductDetails/Data/CreditCards/Features

 

 

Currency

0..1

OBReadSharingProductDetails/Data/CreditCards/Features/Currency

Payment and transaction currency as applicable on the selected card

String

 

 

OnetimeFee

0..1

OBReadSharingProductDetails/Data/CreditCards/Features/OnetimeFee

First time membership or fee payable on getting a card in BHD excluding taxes

Number

 

 

AnnualFeeAndCharges

0..1

OBReadSharingProductDetails/Data/CreditCards/Features/AnnualFeeAndCharges

Recurring fees and charges payable periodically in BHD excluding taxes

Number

 

 

FeeWaiver

0..1

OBReadSharingProductDetails/Data/CreditCards/Features/FeeWaiver

This includes the conditions for fee waiver if any applicable on the selected card

String

 

 

AddOnCards

0..1

OBReadSharingProductDetails/Data/CreditCards/Features/AddOnCards

This includes the conditions and limit for add on cards where a card holder can apply for add-on cards for his/her family under the same account

String

 

 

CardLimit

0..1

OBReadSharingProductDetails/Data/CreditCards/Features/CardLimit

Transaction limit offered by banks for the customer. This also includes the limits for sub transaction such as ATM withdrawal limit, merchant transaction limit, etc.

String

 

 

InterestRates

0..1

OBReadSharingProductDetails/Data/CreditCards/Features/InterestRates

Interest rate payable on repayment post due date- In Islamic banking, this field is referred to as ‘Profit/Charge’

String

 

 

Eligibility

0..1

OBReadSharingProductDetails/Data/CreditCards/Eligibility

This covers nationality, age, employment status, income and credit score

OBReadSharingProductDetails/Data/CreditCards/Eligibility

 

 

DocumentsRequired

0..1

OBReadSharingProductDetails/Data/CreditCards/Eligibility/DocumentsRequired

List of documents required for getting a credit card

String

 

 

Age

0..1

OBReadSharingProductDetails/Data/CreditCards/Eligibility/Age

Age

Number

 

 

EmploymentStatus

0..1

OBReadSharingProductDetails/Data/CreditCards/Eligibility/EmploymentStatus

Employment status

String

 

 

Income

0..1

OBReadSharingProductDetails/Data/CreditCards/Eligibility/Income

Income

String

 

 

CreditScore

0..1

OBReadSharingProductDetails/Data/CreditCards/Eligibility/CreditScore

Credit score

String

 

 

Benefits

0..1

OBReadSharingProductDetails/Data/CreditCards/Benefits

List of Benefits offered by this product

OBReadSharingProductDetails/Data/CreditCards/Benefits

 

 

OffersOnTheCard

0..1

OBReadSharingProductDetails/Data/CreditCards/Benefits/OffersOnTheCard

Some cards have great offers and discounts if used with a particular vendor, website or company. Also banks have tie ups with offices, educational institutions etc. and offer them special rates

String

 

 

RewardType

0..1

OBReadSharingProductDetails/Data/CreditCards/Benefits/RewardType

Some cards are specifically made to suit customers spending habits. For e.g. travel, aviation, lifestyle, shopping, cashback etc.

String

 

 

RewardsProgram

0..1

OBReadSharingProductDetails/Data/CreditCards/Benefits/RewardsProgram

Rewards program offered by Banks including cashback and redeemable options. Fuel charge waivers and airport lounge access will also be covered here

String

 

 

JoiningGiftsOrBonus

0..1

OBReadSharingProductDetails/Data/CreditCards/Benefits/JoiningGiftsOrBonus

To get customers to apply for their card, banks offer welcome gifts and bonuses. This could be some latest gadget or bonus points and miles

String

 

 

OtherBenefits

0..1

OBReadSharingProductDetails/Data/CreditCards/Benefits/OtherBenefits

Additional benefits if any

String

 

 

TermsAndConditions

0..1

OBReadSharingProductDetails/Data/CreditCards/TermsAndConditions

This includes a summary of the terms and conditions such as hidden charges, compliance requirements and other bank-specific requirements

OBReadSharingProductDetails/Data/CreditCards/TermsAndConditions

 

 

tnc-title

0..1

OBReadSharingProductDetails/Data/CreditCards/TermsAndConditions/tnc-title

Terms and conditions title

String

 

 

tnc-summary

0..1

OBReadSharingProductDetails/Data/CreditCards/TermsAndConditions/tnc-summary

Any material conditions and specific features such as salary transfer, minimum equity for mortgage facility, loan to value ratio etc.

String

 

 

tnc-url

0..1

OBReadSharingProductDetails/Data/CreditCards/TermsAndConditions/tnc-url

Terms and conditions URL

String

 

 

SupplementaryData

0..1

OBReadSharingProductDetails/Data/CreditCards/SupplementaryData

Additional information that can not be captured in the structured fields and/or any other specific block

OBSupplementaryData

 

 

Loans

0..n

OBReadSharingProductDetails/Data/Loans

List of Loans products- In Islamic banking, this field is referred to as ‘Financings’

OBReadSharingProductDetails/Data/Loans

 

 

ProductDetails

1..1

OBReadSharingProductDetails/Data/Loans/ProductDetails

This Section covers basic product description

OBReadSharingProductDetails/Data/Loans/ProductDetails

 

 

CategoryName

1..1

OBReadSharingProductDetails/Data/Loans/ProductDetails/CategoryName

Product category name used by ASPSPs

String

 

 

CategoryCode

1..1

OBReadSharingProductDetails/Data/Loans/ProductDetails/CategoryCode

Product category code used by the ASPSPs

String

 

 

ProductDescription

1..1

OBReadSharingProductDetails/Data/Loans/ProductDetails/ProductDescription

A brief description of the product

String

 

 

ProductCode

1..1

OBReadSharingProductDetails/Data/Loans/ProductDetails/ProductCode

Product Code for Banks operational purpose

String

 

 

SubProductCode

1..1

OBReadSharingProductDetails/Data/Loans/ProductDetails/SubProductCode

Sub-Product Code for Banks operational purpose

String

 

 

ProductURL

0..1

OBReadSharingProductDetails/Data/Loans/ProductDetails/ProductURL

Product URL

String

 

 

Segment

1..1

OBReadSharingProductDetails/Data/Loans/ProductDetails/Segment

Product segment such as lifestyle, travel, reward points, etc.

String

 

 

Features

0..1

OBReadSharingProductDetails/Data/Loans/Features

List of product features

OBReadSharingProductDetails/Data/Loans/Features

 

 

Currency

0..1

OBReadSharingProductDetails/Data/Loans/Features/Currency

Payment and transaction currency as applicable on the selected loan type

String

 

 

InitialDeposit

0..1

OBReadSharingProductDetails/Data/Loans/Features/InitialDeposit

Initial amount payable by the customer in BHD excluding taxes

String

 

 

HandlingFees/Supplementary

0..1

OBReadSharingProductDetails/Data/Loans/Features/HandlingFees/Supplementary

Loan handling fees applicable for products in BHD excluding taxes

String

 

 

MinTenure

0..1

OBReadSharingProductDetails/Data/Loans/Features/MinTenure

Minimum duration of loan period in months

String

 

 

MaxTenure

0..1

OBReadSharingProductDetails/Data/Loans/Features/MaxTenure

Maximum duration of loan period in months

String

 

 

InterestRates

0..1

OBReadSharingProductDetails/Data/Loans/Features/InterestRates

Interest payable on repayment of the loan amount- In Islamic banking, this field is referred to as ‘Profit/Charge’

String

 

 

Eligibility

0..1

OBReadSharingProductDetails/Data/Loans/Eligibility

This covers nationality, age, employment status, income and credit score

OBReadSharingProductDetails/Data/Loans/Eligibility

 

 

DocumentsRequired

0..1

OBReadSharingProductDetails/Data/Loans/Eligibility/DocumentsRequired

List of documents required for getting a loan

String

 

 

Age

0..1

OBReadSharingProductDetails/Data/Loans/Eligibility/Age

Age of the loan applicant

Number

 

 

EmploymentStatus

0..1

OBReadSharingProductDetails/Data/Loans/Eligibility/EmploymentStatus

Employment status of the loan applicant

String

 

 

Income

0..1

OBReadSharingProductDetails/Data/Loans/Eligibility/Income

Income of the loan applicant

String

 

 

CreditScore

0..1

OBReadSharingProductDetails/Data/Loans/Eligibility/CreditScore

Credit score of the loan applicant

String

 

 

Collateral

0..1

OBReadSharingProductDetails/Data/Loans/Eligibility/Collateral

List of collateral accepted against loan if applicable

String

 

 

Benefits

0..1

OBReadSharingProductDetails/Data/Loans/Benefits

List of Benefits offered by this product

OBReadSharingProductDetails/Data/Loans/Benefits

 

 

BonusPack

0..1

OBReadSharingProductDetails/Data/Loans/Benefits/BonusPack

"Free Priority/ Premium/ Easy Banking plan with credit card, 360° reward and welcome offers"

String

 

 

FreeMortgageValueAssessment

0..1

OBReadSharingProductDetails/Data/Loans/Benefits/FreeMortgageValueAssessment

"Free assessment of the value of the mortgage"

String

 

 

AutoPaySetup

0..1

OBReadSharingProductDetails/Data/Loans/Benefits/AutoPaySetup

"One stop pay"

String

 

 

E-cheque

0..1

OBReadSharingProductDetails/Data/Loans/Benefits/E-cheque

"Option of e cheque clearance"

String

 

 

EarlyEMIPaymentOptions

0..1

OBReadSharingProductDetails/Data/Loans/Benefits/EarlyEMIPaymentOptions

Benefit of early payment options

String

 

 

OtherBenefits

0..1

OBReadSharingProductDetails/Data/Loans/Benefits/OtherBenefits

Additional benefits if any

String

 

 

TermsAndConditions

0..1

OBReadSharingProductDetails/Data/Loans/TermsAndConditions

This includes a summary of the terms and conditions such as hidden charges, compliance requirements and other bank specific requirements

OBReadSharingProductDetails/Data/Loans/TermsAndConditions

 

 

tnc-title

0..1

OBReadSharingProductDetails/Data/Loans/TermsAndConditions/tnc-title

Terms and conditions title

String

 

 

tnc-summary

0..1

OBReadSharingProductDetails/Data/Loans/TermsAndConditions/tnc-summary

Any material conditions and specific features such as salary transfer, minimum equity for mortgage facility, loan to value ratio etc.

String

 

 

tnc-url

0..1

OBReadSharingProductDetails/Data/Loans/TermsAndConditions/tnc-url

Terms and conditions URL

String

 

 

SupplementaryData

0..1

OBReadSharingProductDetails/Data/Loans/SupplementaryData

Additional information that cannot be captured in the structured fields and/or any other specific block

OBSupplementaryData

 

 

CASA

0..n

OBReadSharingProductDetails/Data/CASA

List of CASA products

OBReadSharingProductDetails/Data/CASA

 

 

ProductDetails

1..1

OBReadSharingProductDetails/Data/CASA/ProductDetails

This Section covers basic product description

OBReadSharingProductDetails/Data/CASA/ProductDetails

 

 

CategoryName

1..1

OBReadSharingProductDetails/Data/CASA/ProductDetails/CategoryName

Product category name used by the ASPSPs

String

 

 

CategoryCode

1..1

OBReadSharingProductDetails/Data/CASA/ProductDetails/CategoryCode

Product category code used by the ASPSPs

String

 

 

ProductDescription

1..1

OBReadSharingProductDetails/Data/CASA/ProductDetails/ProductDescription

A brief description of the product

String

 

 

ProductCode

1..1

OBReadSharingProductDetails/Data/CASA/ProductDetails/ProductCode

Product Code for ASPSPs operational purpose

String

 

 

SubProductCode

1..1

OBReadSharingProductDetails/Data/CASA/ProductDetails/SubProductCode

Sub-Product Code for ASPSPs operational purpose

String

 

 

ProductURL

0..1

OBReadSharingProductDetails/Data/CASA/ProductDetails/ProductURL

Product URL

String

 

 

Segment

1..1

OBReadSharingProductDetails/Data/CASA/ProductDetails/Segment

Product segment such as lifestyle, travel, reward points, etc.

String

 

 

Features

0..1

OBReadSharingProductDetails/Data/CASA/Features

List of product features

OBReadSharingProductDetails/Data/CASA/Features

 

 

Currency

0..1

OBReadSharingProductDetails/Data/CASA/Features/Currency

Payment and transaction currency as applicable on the selected CASA type

String

 

 

MinBalanceMaintenance

0..1

OBReadSharingProductDetails/Data/CASA/Features/MinBalanceMaintenance

Minimum balance to be maintained by the account holder in BHD

String

 

 

HandlingFees/Supplementary

0..1

OBReadSharingProductDetails/Data/CASA/Features/HandlingFees/Supplementary

Account handling fees applicable for products in BHD excluding taxes per annum

String

 

 

OverdraftLimit

0..1

OBReadSharingProductDetails/Data/CASA/Features/OverdraftLimit

Limit offered by banks for the customer based on turnover and spending levels in BHD per month

String

 

 

InterestRates

0..1

OBReadSharingProductDetails/Data/CASA/Features/InterestRates

Interest payable on repayment of the loan amount- In Islamic banking, this field is referred to as ‘Profit/Charge’

String

 

 

DepositRate

0..1

OBReadSharingProductDetails/Data/CASA/Features/DepositRate

Interest rate applicable for deposits only- In Islamic banking, this field is referred to as ‘Profit/Charge’

String

 

 

MinDepositAmount

0..1

OBReadSharingProductDetails/Data/CASA/Features/MinDepositAmount

Minimum one time deposit amount in BHD

String

 

 

Eligibility

0..1

OBReadSharingProductDetails/Data/CASA/Eligibility

This covers nationality, age, employment status, income and credit score

OBReadSharingProductDetails/Data/CASA/Eligibility

 

 

DocumentsRequired

0..1

OBReadSharingProductDetails/Data/CASA/Eligibility/DocumentsRequired

List of documents required for opening a current account

String

 

 

Age

0..1

OBReadSharingProductDetails/Data/CASA/Eligibility/Age

Age of the applicant

Number

 

 

EmploymentStatus

0..1

OBReadSharingProductDetails/Data/CASA/Eligibility/EmploymentStatus

Employment status of the applicant

String

 

 

Income

0..1

OBReadSharingProductDetails/Data/CASA/Eligibility/Income

Income of the applicant

String

 

 

CreditScore

0..1

OBReadSharingProductDetails/Data/CASA/Eligibility/CreditScore

Credit score of the applicant

String

 

 

Benefits

0..1

OBReadSharingProductDetails/Data/CASA/Benefits

List of Benefits offered by this product

OBReadSharingProductDetails/Data/CASA/Benefits

 

 

RelationshipManager

0..1

OBReadSharingProductDetails/Data/CASA/Benefits/RelationshipManager

This covers the benefits of availing RM under few conditions

String

 

 

ODprotection

0..1

OBReadSharingProductDetails/Data/CASA/Benefits/ODprotection

Enjoy Current Account Overdraft Protection for clearing cheques

String

 

 

MinBalance

0..1

OBReadSharingProductDetails/Data/CASA/Benefits/MinBalance

This describes the minimum balance required to keep the account active

String

 

 

AutoPaySetup

0..1

OBReadSharingProductDetails/Data/CASA/Benefits/AutoPaySetup

One-stop pay

String

 

 

MultipleDebitCards

0..1

OBReadSharingProductDetails/Data/CASA/Benefits/MultipleDebitCards

This includes details of add on debit cards where a account holder can apply for add-on cards for his/her employees under the same account

String

 

 

E-cheque

0..1

OBReadSharingProductDetails/Data/CASA/Benefits/E-cheque

Option of E-cheque clearance

String

 

 

OtherBenefits

0..1

OBReadSharingProductDetails/Data/CASA/Benefits/OtherBenefits

Additional benefits if any

String

 

 

TermsAndConditions

0..1

OBReadSharingProductDetails/Data/CASA/TermsAndConditions

This includes a summary of the terms and conditions such as hidden charges, compliance requirements and other ASPSP specific requirements

OBReadSharingProductDetails/Data/CASA/TermsAndConditions

 

 

tnc-title

0..1

OBReadSharingProductDetails/Data/CASA/TermsAndConditions/tnc-title

Terms and conditions title

String

 

 

tnc-summary

0..1

OBReadSharingProductDetails/Data/CASA/TermsAndConditions/tnc-summary

Any material conditions and specific features such as salary transfer, minimum equity for mortgage facility, loan to value ratio etc.

String

 

 

tnc-url

0..1

OBReadSharingProductDetails/Data/CASA/TermsAndConditions/tnc-url

Terms and conditions URL

String

 

 

SupplementaryData

0..1

OBReadSharingProductDetails/Data/CASA/SupplementaryData

Additional information that can not be captured in the structured fields and/or any other specific block

OBSupplementaryData

 

 

Investment

0..n

OBReadSharingProductDetails/Data/Investment

List of Investment products- In Islamic banking, this field is referred to as ‘Investment Account’

OBReadSharingProductDetails/Data/Investment

 

 

ProductDetails

1..1

OBReadSharingProductDetails/Data/Investment/ProductDetails

This Section covers basic product description

OBReadSharingProductDetails/Data/Investment/ProductDetails

 

 

CategoryName

1..1

OBReadSharingProductDetails/Data/Investment/ProductDetails/CategoryName

Product category name used by the ASPSPs

String

 

 

CategoryCode

1..1

OBReadSharingProductDetails/Data/Investment/ProductDetails/CategoryCode

Product category code used by the ASPSPs

String

 

 

ProductDescription

1..1

OBReadSharingProductDetails/Data/Investment/ProductDetails/ProductDescription

A brief description of the product

String

 

 

ProductCode

1..1

OBReadSharingProductDetails/Data/Investment/ProductDetails/ProductCode

Product Code for ASPSPs operational purpose

String

 

 

SubProductCode

1..1

OBReadSharingProductDetails/Data/Investment/ProductDetails/SubProductCode

Sub-Product Code for ASPSPs operational purpose

String

 

 

ProductURL

0..1

OBReadSharingProductDetails/Data/Investment/ProductDetails/ProductURL

Product URL

String

 

 

Segment

1..1

OBReadSharingProductDetails/Data/Investment/ProductDetails/Segment

Product segment such as lifestyle, travel, reward points, etc.

String

 

 

Features

0..1

OBReadSharingProductDetails/Data/Investment/Features

List of product features

OBReadSharingProductDetails/Data/Investment/Features

 

 

Currency

0..1

OBReadSharingProductDetails/Data/Investment/Features/Currency

Payment and transaction currency as applicable on the selected Investment type

String

 

 

MinInvestmentRequirement

0..1

OBReadSharingProductDetails/Data/Investment/Features/MinInvestmentRequirement

Minimum investment required for opening the investment account in BHD

String

 

 

HandlingFees/Supplementary

0..1

OBReadSharingProductDetails/Data/Investment/Features/HandlingFees/Supplementary

Account handling fees applicable for products in BHD excluding taxes per annum

String

 

 

AnnualFees

0..1

OBReadSharingProductDetails/Data/Investment/Features/AnnualFees

Recurring fees and charges payable periodically in BHD excluding of taxes

String

 

 

InvestmentTenure

0..1

OBReadSharingProductDetails/Data/Investment/Features/InvestmentTenure

Duration of investment period in months

String

 

 

DepositRate

0..1

OBReadSharingProductDetails/Data/Investment/Features/DepositRate

Interest rate applicable for deposits only- In Islamic banking, this field is referred to as ‘Profit/Charge’

String

 

 

HistoricInvestmentRate

0..1

OBReadSharingProductDetails/Data/Investment/Features/HistoricInvestmentRate

This covers the historic rates that are gained by the investors in the selected fund- In Islamic banking, this field is referred to as ‘Profit/Charge’

String

 

 

Eligibility

0..1

OBReadSharingProductDetails/Data/Investment/Eligibility

This covers nationality, age, employment status, income and credit score

OBReadSharingProductDetails/Data/Investment/Eligibility

 

 

DocumentsRequired

0..1

OBReadSharingProductDetails/Data/Investment/Eligibility/DocumentsRequired

List of documents required

String

 

 

Age

0..1

OBReadSharingProductDetails/Data/Investment/Eligibility/Age

Age of the applicant

Number

 

 

EmploymentStatus

0..1

OBReadSharingProductDetails/Data/Investment/Eligibility/EmploymentStatus

Employment status of the applicant

String

 

 

Income

0..1

OBReadSharingProductDetails/Data/Investment/Eligibility/Income

Income of the applicant

String

 

 

CreditScore

0..1

OBReadSharingProductDetails/Data/Investment/Eligibility/CreditScore

Credit score of the applicant

String

 

 

Benefits

0..1

OBReadSharingProductDetails/Data/Investment/Benefits

List of Benefits offered by this product

OBReadSharingProductDetails/Data/Investment/Benefits

 

 

SIPOptions

0..1

OBReadSharingProductDetails/Data/Investment/Benefits/SIPOptions

This covers the broader systematic investment plan option that a customer can opt for

String

 

 

QuickerInvestmentWithdrawal

0..1

OBReadSharingProductDetails/Data/Investment/Benefits/QuickerInvestmentWithdrawal

Customers can withdraw the investments within 24 hours of the request submitted

String

 

 

MinimumInvestment

0..1

OBReadSharingProductDetails/Data/Investment/Benefits/MinimumInvestment

This describes the minimum annual investment required to keep the account active

String

 

 

AutoPaySetup

0..1

OBReadSharingProductDetails/Data/Investment/Benefits/AutoPaySetup

One-stop pay

String

 

 

OtherBenefits

0..1

OBReadSharingProductDetails/Data/Investment/Benefits/OtherBenefits

Additional benefits if any

String

 

 

TermsAndConditions

0..1

OBReadSharingProductDetails/Data/Investment/TermsAndConditions

This includes a summary of the terms and conditions such as hidden charges, compliance requirements and other ASPSP specific requirements

OBReadSharingProductDetails/Data/Investment/TermsAndConditions

 

 

tnc-title

0..1

OBReadSharingProductDetails/Data/Investment/TermsAndConditions/tnc-title

Terms and conditions title

String

 

 

tnc-summary

0..1

OBReadSharingProductDetails/Data/Investment/TermsAndConditions/tnc-summary

Any material conditions and specific features such as salary transfer, minimum equity for mortgage facility, loan to value ratio etc.

String

 

 

tnc-url

0..1

OBReadSharingProductDetails/Data/Investment/TermsAndConditions/tnc-url

Terms and conditions URL

String

 

 

SupplementaryData

0..1

OBReadSharingProductDetails/Data/Investment/SupplementaryData

Additional information that can not be captured in the structured fields and/or any other specific block

OBSupplementaryData

 

 

FundTransferServices

0..n

OBReadSharingProductDetails/Data/FundTransferServices

List of Fund Transfer Services products

OBReadSharingProductDetails/Data/FundTransferServices

 

 

ProductDetails

1..1

OBReadSharingProductDetails/Data/FundTransferServices/ProductDetails

This Section covers basic product description

OBReadSharingProductDetails/Data/FundTransferServices/ProductDetails

 

 

CategoryName

1..1

OBReadSharingProductDetails/Data/FundTransferServices/ProductDetails/CategoryName

Product category name used by the ASPSPs

String

 

 

CategoryCode

1..1

OBReadSharingProductDetails/Data/FundTransferServices/ProductDetails/CategoryCode

Product category code used by the ASPSPs

String

 

 

ProductDescription

1..1

OBReadSharingProductDetails/Data/FundTransferServices/ProductDetails/ProductDescription

A brief description of the product

String

 

 

ProductCode

1..1

OBReadSharingProductDetails/Data/FundTransferServices/ProductDetails/ProductCode

Product Code for ASPSPs operational purpose

String

 

 

SubProductCode

1..1

OBReadSharingProductDetails/Data/FundTransferServices/ProductDetails/SubProductCode

Sub-Product Code for ASPSPs operational purpose

String

 

 

ProductURL

0..1

OBReadSharingProductDetails/Data/FundTransferServices/ProductDetails/ProductURL

Product URL

String

 

 

Segment

1..1

OBReadSharingProductDetails/Data/FundTransferServices/ProductDetails/Segment

Product segment such as lifestyle, travel, reward points, etc.

String

 

 

Features

0..1

OBReadSharingProductDetails/Data/FundTransferServices/Features

List of product features

OBReadSharingProductDetails/Data/FundTransferServices/Features

 

 

Currency

0..1

OBReadSharingProductDetails/Data/FundTransferServices/Features/Currency

Payment and transaction currency as applicable on the selected service type

String

 

 

MinFundTransfer

0..1

OBReadSharingProductDetails/Data/FundTransferServices/Features/MinFundTransfer

Minimum fund transfer applicable for the type of service selected in BHD

String

 

 

HandlingFees/Supplementary

0..1

OBReadSharingProductDetails/Data/FundTransferServices/Features/HandlingFees/Supplementary

Account handling fees applicable for products in BHD excluding taxes per annum

String

 

 

TypesOfFundTransfer

0..1

OBReadSharingProductDetails/Data/FundTransferServices/Features/TypesOfFundTransfer

This covers different type of fund transfer that banks offer to the customers

String

 

 

Eligibility

0..1

OBReadSharingProductDetails/Data/FundTransferServices/Eligibility

This covers nationality, age, employment status, income and credit score

OBReadSharingProductDetails/Data/FundTransferServices/Eligibility

 

 

DocumentsRequired

0..1

OBReadSharingProductDetails/Data/FundTransferServices/Eligibility/DocumentsRequired

List of documents required

String

 

 

Age

0..1

OBReadSharingProductDetails/Data/FundTransferServices/Eligibility/Age

Age of the applicant

Number

 

 

EmploymentStatus

0..1

OBReadSharingProductDetails/Data/FundTransferServices/Eligibility/EmploymentStatus

Employment status of the applicant

String

 

 

Income

0..1

OBReadSharingProductDetails/Data/FundTransferServices/Eligibility/Income

Income of the applicant

String

 

 

CreditScore

0..1

OBReadSharingProductDetails/Data/FundTransferServices/Eligibility/CreditScore

Credit score of the applicant

String

 

 

Benefits

0..1

OBReadSharingProductDetails/Data/FundTransferServices/Benefits

List of Benefits offered by this product

OBReadSharingProductDetails/Data/FundTransferServices/Benefits

 

 

InternationalPayment

0..1

OBReadSharingProductDetails/Data/FundTransferServices/Benefits/InternationalPayment

International payment with other currency pay-outs

String

 

 

OtherBenefits

0..1

OBReadSharingProductDetails/Data/FundTransferServices/Benefits/OtherBenefits

Additional benefits if any

String

 

 

TermsAndConditions

0..1

OBReadSharingProductDetails/Data/FundTransferServices/TermsAndConditions

This includes a summary of the terms and conditions such as hidden charges, compliance requirements and other bank specific requirements

OBReadSharingProductDetails/Data/FundTransferServices/TermsAndConditions

 

 

tnc-title

0..1

OBReadSharingProductDetails/Data/FundTransferServices/TermsAndConditions/tnc-title

Terms and conditions title

String

 

 

tnc-summary

0..1

OBReadSharingProductDetails/Data/FundTransferServices/TermsAndConditions/tnc-summary

Any material conditions and specific features such as salary transfer, minimum equity for mortgage facility, loan to value ratio etc.

String

 

 

tnc-url

0..1

OBReadSharingProductDetails/Data/FundTransferServices/TermsAndConditions/tnc-url

Terms and conditions URL

String

 

 

SupplementaryData

0..1

OBReadSharingProductDetails/Data/FundTransferServices/SupplementaryData

Additional information that can not be captured in the structured fields and/or any other specific block

OBSupplementaryData

 

 

OBATM

0..1

OBReadSharingProductDetails/Data/OBATM

List of ATM

OBReadSharingProductDetails/Data/OBATM

 

 

ATM

1..n

OBReadSharingProductDetails/Data/OBATM/ATM

Environment of the ATM

String

 

 

Identification

0..1

OBReadSharingProductDetails/Data/OBATM/ATMIdentification

Unique and unambiguous identification of a branch of a financial institution

String

 

 

ATMServices

 

0..n

OBReadSharingProductDetails/Data/OBATM/ATMServices

Describes the type of transaction available for a customer on an ATM.

String

  • Balance

  • BillPayments

  • CashDeposits

  • CharityDonation

  • ChequeDeposits

  • CashWithdrawal

  • EnvelopeDeposit

  • FastCash

  • MobileBankingRegistration

  • MobilePaymentRegistration

  • MobilePhoneTopUp

  • OrderStatement

  • Other

  • PINActivation

  • PINChange

  • PINUnblock

  • MiniStatement

 

Access24HoursIndicator

0..1

OBReadSharingProductDetails/Data/OBATM/ Access24HoursIndicator

Indicates that the ATM is available for use by customers 24 hours per day

String

 

 

Accessibility

0..n

OBReadSharingProductDetails/Data/OBATM/ATM/ Accessibility

Indicates Types of Accessibility

String

  • AudioCashMachine

  • AutomaticDoors

  • ExternalRamp

  • InductionLoop

  • InternalRamp

  • LevelAccess

  • LowerLevelCounter

  • Other

  • WheelchairAccess

 

SupportedLanguages

 

0..n

OBReadSharingProductDetails/Data/OBATM/ ATM/SupportedLanguages

Identification of the language name according to the ISO 639-1 codes. The type is validated by the list of values coded with two alphabetic characters, defined in the standard

String

 

 

Supportedcurrencies

 

0..n

OBReadSharingProductDetails/Data/OBATM/ ATM/Supportedcurrencies

All ISO 4217 defined currency  supported by the ATM

String

 

 

MinimumPossibleAmount

0..1

OBReadSharingProductDetails/Data/OBATM/ ATM/MinimumPossibleAmount

Minimum amount allowed for a transaction in the service

Number

 

 

OtherAccessibility

0..n

OBReadSharingProductDetails/Data/OBATM/ OtherAccessibility

 

 

 

 

Name

1..1

OBReadSharingProductDetails/Data/OBATM/ OtherAccessibility/Name

Name of the Accessibility

String

 

 

Description

1..1

OBReadSharingProductDetails/Data/OBATM/ OtherAccessibility/Description

Description of the specified Accessibility

String

 

 

OtherATMServices

0..n

OBReadSharingProductDetails/Data/OBATM/ OtherATMServices

 

 

 

 

Name

1..1

OBReadSharingProductDetails/Data/OBATM/ OtherATMServices/Name

Name of the Service

String

 

 

Description

1..1

OBReadSharingProductDetails/Data/OBATM/ OtherATMServices/ Description

Description of the ATM service

String

 

 

Location

0..1

OBReadSharingProductDetails/Data/OBATM/Location

 

 

 

 

Location category

0..n

OBReadSharingProductDetails/Data/OBATM/Location/ Location category

Indicates the environment of the ATM.

String

  • BranchExternal

  • BranchInternal

  • BranchLobby

  • Other

  • RetailerOutlet

  • RemoteUnit

 

OtherLocationCategory

0..n

OBReadSharingProductDetails/Data/OBATM/ Location/OtherLocationCategory

 

 

 

 

Name

1..1

OBReadSharingProductDetails/Data/OBATM/ Location/OtherLocationCategory/Name

Long name associated with the specified location category

String

 

 

Description

1..1

OBReadSharingProductDetails/Data/OBATM/ Location/OtherLocationCategory/ Description

Description to describe the purpose of the location category

String

 

 

PostalAddress

0..1

OBReadSharingProductDetails/Data/OBATM/ Location/ PostalAddress

 

 

 

 

AddressLine

0..7

OBReadSharingProductDetails/Data/OBATM/ Location/ PostalAddress /AddressLine

Information that locates and identifies a specific address, as defined by postal services, that is presented in free format text.

String

 

 

StreetName

0..1

OBReadSharingProductDetails/Data/OBATM/ Location/ PostalAddress /StreetName

Name of a street or thoroughfare.

String

 

 

BuildingNumber

0..1

OBReadSharingProductDetails/Data/OBATM/ Location/ PostalAddress /BuildingNumber

Name or Number that identifies the position of a building on a street.

String

 

 

PostCode

0..1

OBReadSharingProductDetails/Data/OBATM/ Location/ PostalAddress /PostCode

Identifier consisting of a group of letters and/or numbers that is added to a postal address to assist the sorting of mail.

String

 

 

TownName

0..1

OBReadSharingProductDetails/Data/OBATM/ Location/ PostalAddress /TownName

Name of a built-up area, with defined boundaries, and a local government.

String

 

 

CountrySubDivision

0..1

OBReadSharingProductDetails/Data/OBATM/ Location/ PostalAddress /CountrySubDivision

Identifies a subdivision of a country, for instance state, region, county.

String

 

 

Country

0..1

OBReadSharingProductDetails/Data/OBATM/ Location/ PostalAddress /Country

Nation with its own government, occupying a particular territory.

String

 

 

GeoLocation

0..1

OBReadSharingProductDetails/Data/OBATM/ Location/ PostalAddress / GeoLocation

Geographic location of the ATM specified by geographic coordinates or UTM coordinates.

 

 

 

Latitude

1..1

OBReadSharingProductDetails/Data/OBATM/ Location/ PostalAddress / GeoLocation/ Latitude

Latitude measured in decimal degrees

Number

 

 

Longitude

1..1

OBReadSharingProductDetails/Data/OBATM/ Location/ PostalAddress / GeoLocation/ Longitude

Angular measurement of the distance of a location on the earth east or west of the Greenwich observatory.
The longitude is measured in decimal degrees.

Number

 

 

OBBranch

0..1

OBReadSharingProductDetails/Data/ OBBranch

 

 

 

 

Branch

 

1..n

OBReadSharingProductDetails/Data/ OBBranch/Branch

Environment of the Branch

 

String

 

 

Identification

 

0..1

OBReadSharingProductDetails/Data/ OBBranch/Branch/ Identification

 

Unique and unambiguous identification of a branch of a financial institution

 

String

 

 

Name

 

0..1

OBReadSharingProductDetails/Data/ OBBranch/Branch/ Name

Name by which a branch is known and which is usually used to identify that branch

 

String

 

 

Type

 

0..1

OBReadSharingProductDetails/Data/ OBBranch/Branch/ Type

 

Codeset to indicate if a branch is physically in 1 location or is mobile

 

String

  • Mobile

  • Physical

 

Accessibility

 

0..n

OBReadSharingProductDetails/Data/ OBBranch/Branch/ Accessibility

 

Accessibility is the ability and ease a customer can access a service, good, associate, or facility. Features which make the Bank accessible to disabled people

 

String

  • AutomaticDoors

  • AudioCashMachine

  • ExternalRamp

  • HelpingHandUnit

  • InductionLoop

  • InternalRamp

  • LevelAccess

  • LowerLevelCounter

  • Other

  • WheelchairAccess

 

CustomerSegment

0..n

OBReadSharingProductDetails/Data/ OBBranch/Branch/ CustomerSegment

The marketing segment which the branch is able to address in terms of customer type. Market segmentation is a marketing term referring to the aggregating of prospective buyers into groups, or segments that have common needs and respond similarly to a marketing action. Market segmentation enables companies to target different categories of consumers who perceive the full value of certain products and services differently from one another

String

  • Corporate

  • Retail

  • SME

 

ServiceandFacility

0..n

OBReadSharingProductDetails/Data/ OBBranch/Branch/ ServiceandFacility

Service/Facilities offered at a branch

String

  • AssistedServiceCounter

  • AccountVerificationService

  • BusinessCounter

  • BusinessDepositTerminal

  • CardIssuanceFacility

  • CollectionLockers

  • CounterServices

  • LodgementDevice

  • MortgageAdvisor

  • OnDemandCurrency

  • Other

 

SupportedLanguages

 

0..n

OBReadSharingProductDetails/Data/ OBBranch/Branch/ SupportedLanguages

 

Identification of the language name according to the ISO 639-1 codes. The type is validated by the list of values coded with two alphabetic characters, defined in the standard

 

String

 

 

Supportedcurrencies

 

0..n

OBReadSharingProductDetails/Data/ OBBranch/Branch/ Supportedcurrencies

 

All ISO 4217 defined currency  supported by the ATM

 

String

 

 

OtherServiceandFacility

0..n

OBReadSharingProductDetails/Data/ OBBranch/Branch/ OtherServiceandFacility

 

 

 

 

Name

 

1..1

OBReadSharingProductDetails/Data/ OBBranch/Branch/ OtherServiceandFacility/Name

Name of the Service and Facility

 

String

 

 

Description

 

1..1

OBReadSharingProductDetails/Data/ OBBranch/Branch/ OtherServiceandFacility/ Description

Description of the Service and Facility

 

String

 

 

OtherAccessibility

 

0..n

OBReadSharingProductDetails/Data/ OBBranch/Branch/ OtherAccessibility

 

 

 

 

Name

 

1..1

OBReadSharingProductDetails/Data/ OBBranch/Branch/ OtherAccessibility/Name

 

Name of the Accessibility

 

String

 

 

Description

 

1..1

OBReadSharingProductDetails/Data/ OBBranch/Branch/ OtherAccessibility/ Description

Description of the specified Accessibility

 

String

 

 

ContactInfo

 

0..n

OBReadSharingProductDetails/Data/ OBBranch/Branch/ ContactInfo

Communication device number or electronic address used for communication.

 

 

 

 

ContactType

 

1..1

OBReadSharingProductDetails/Data/ OBBranch/Branch/ ContactInfo/ ContactType

 

Contact type such Phone, Fax and email

 

String

  • AlternateEmail

  • AlternateFax

  • AlternatePhone

  • Email

  • Fax

  • Other

  • Phone

 

ContactContent

 

1..1

OBReadSharingProductDetails/Data/ OBBranch/Branch/ ContactInfo/ ContactContent

 

Collection of information that identifies a phone/Fax number/ email, as defined by telecom services.

 

String

 

 

ContactDescription

 

1..1

OBReadSharingProductDetails/Data/ OBBranch/Branch/ ContactInfo/ ContactDescription

 

Description of contact such as main phone number, alternate phone number, Fax number, alternate fax number, email and alternate email

 

String

 

 

OtherContactType

 

0..1

OBReadSharingProductDetails/Data/ OBBranch/Branch/ ContactInfo/ OtherContactType

Other contact type which is not in the standard list

 

 

 

 

Name

 

1..1

OBReadSharingProductDetails/Data/ OBBranch/Branch/ ContactInfo/ OtherContactType/ Name

 

Long name associated with the code

 

String

 

 

Description

 

1..1

OBReadSharingProductDetails/Data/ OBBranch/Branch/ ContactInfo/ OtherContactType/ Description

 

Description to describe the purpose of the code

 

String

 

 

PostalAddress

 

0..1

OBReadSharingProductDetails/Data/ OBBranch/Branch/ PostalAddress

 

 

 

 

AddressLine

 

0..7

OBReadSharingProductDetails/Data/ OBBranch/Branch/ PostalAddress/ AddressLine

 

Information that locates and identifies a specific address, as defined by postal services, that is presented in free format text.

 

String

 

 

StreetName

 

0..1

OBReadSharingProductDetails/Data/ OBBranch/Branch/ PostalAddress/ StreetName

 

Name of a street or thoroughfare.

 

String

 

 

BuildingNumber

 

0..1

OBReadSharingProductDetails/Data/ OBBranch/Branch/ PostalAddress/ BuildingNumber

 

Name or Number that identifies the position of a building on a street.

 

String

 

 

PostCode

 

0..1

OBReadSharingProductDetails/Data/ OBBranch/Branch/ PostalAddress/ PostCode

 

Identifier consisting of a group of letters and/or numbers that is added to a postal address to assist the sorting of mail.

 

String

 

 

TownName

 

0..1

OBReadSharingProductDetails/Data/ OBBranch/Branch/ PostalAddress/ TownName

 

Name of a built-up area, with defined boundaries, and a local government.

 

String

 

 

CountrySubDivision

 

0..1

OBReadSharingProductDetails/Data/ OBBranch/Branch/ PostalAddress/ CountrySubDivision

 

Identifies a subdivision of a country, for instance state, region, county.

 

String

 

 

Country

 

0..1

OBReadSharingProductDetails/Data/ OBBranch/Branch/ PostalAddress/ Country

 

Nation with its own government, occupying a particular territory.

 

String

 

 

GeoLocation

 

0..1

OBReadSharingProductDetails/Data/ OBBranch/Branch/ PostalAddress/ GeoLocation

 

Geographic location of the ATM specified by geographic coordinates or UTM coordinates.

 

 

 

 

Latitude

 

1..1

OBReadSharingProductDetails/Data/ OBBranch/Branch/ PostalAddress/ GeoLocation/ Latitude

 

 

Latitude measured in decimal degrees

 

Number

 

 

Longitude

 

1..1

OBReadSharingProductDetails/Data/ OBBranch/Branch/ PostalAddress/ GeoLocation/ Longitude

 

Angular measurement of the distance of a location on the earth east or west of the Greenwich observatory.
The longitude is measured in decimal degrees.

 

Number

 

 

4.1.4 Static Enumerations

This section provides the definitions of the enumerations used across the Sharinig product details use cases.

Code Class

Name

Definition

OBReadSharingProductDetails/Data/OBATM/ATMServices

Balance

Balance inquiry

OBReadSharingProductDetails/Data/OBATM/ATMServices

BillPayments

Funds transfer to pay a third party

OBReadSharingProductDetails/Data/OBATM/ATMServices

CashDeposits

Deposit of cash

OBReadSharingProductDetails/Data/OBATM/ATMServices

CharityDonation

Funds transfer to make a charity donation

OBReadSharingProductDetails/Data/OBATM/ATMServices

ChequeDeposits

Deposit of cheques

OBReadSharingProductDetails/Data/OBATM/ATMServices

CashWithdrawal

Standard withdrawal of cash

OBReadSharingProductDetails/Data/OBATM/ATMServices

EnvelopeDeposit

Deposit of media items unverified by the ATM, for instance in an envelope

OBReadSharingProductDetails/Data/OBATM/ATMServices

FastCash

Deposit of media items verified by the ATM

OBReadSharingProductDetails/Data/OBATM/ATMServices

MobileBankingRegistration

The ATM is capable of registering the user for mobile banking

OBReadSharingProductDetails/Data/OBATM/ATMServices

MobilePaymentRegistration

The ATM is capable of registering the user for Mobile Payment Services

OBReadSharingProductDetails/Data/OBATM/ATMServices

MobilePhoneTopUp

The ATM is capable performing a mobile phone top up from the users bank account

OBReadSharingProductDetails/Data/OBATM/ATMServices

OrderStatement

The ATM is capable of ordering a bank statement

OBReadSharingProductDetails/Data/OBATM/ATMServices

Other

Fillout OtherATMService fields with code name and description of an ATM service which is not in the standard code list

OBReadSharingProductDetails/Data/OBATM/ATMServices

PINActivation

The ATM is capable of activating a debit card using a PIN

OBReadSharingProductDetails/Data/OBATM/ATMServices

PINChange

Modification of the card PIN value

OBReadSharingProductDetails/Data/OBATM/ATMServices

PINUnblock

Unblock the PIN

OBReadSharingProductDetails/Data/OBATM/ATMServices

MiniStatement

Ask for account mini statement information to a related customer account

OBReadSharingProductDetails/Data/OBATM/ATM/ Accessibility

AudioCashMachine

The ATM has a headphone jack

OBReadSharingProductDetails/Data/OBATM/ATM/ Accessibility

AutomaticDoors

Access to the ATM is provided by automatic doors

OBReadSharingProductDetails/Data/OBATM/ATM/ Accessibility

ExternalRamp

Access to the ATM is provided by means of an external ramp

OBReadSharingProductDetails/Data/OBATM/ATM/ Accessibility

InductionLoop

The ATM has a hearing aid induction loop

OBReadSharingProductDetails/Data/OBATM/ATM/ Accessibility

InternalRamp

Access to the ATM is provided by means of an internal ramp

OBReadSharingProductDetails/Data/OBATM/ATM/ Accessibility

LevelAccess

Level access to the ATM not impeded by any step or ramp

OBReadSharingProductDetails/Data/OBATM/ATM/ Accessibility

LowerLevelCounter

Access to the ATM is at a low level suitable for wheelchair users

OBReadSharingProductDetails/Data/OBATM/ATM/ Accessibility

Other

Used to indicate that the code is not in this standard accessibility list. Note: OtherAccessibility can be used to supply the code, name and description

OBReadSharingProductDetails/Data/OBATM/ATM/ Accessibility

WheelchairAccess

The ATM is accessible by wheelchair users

OBReadSharingProductDetails/Data/OBATM/Location/ Location category

BranchExternal

ATM is located on a bank branch external wall

OBReadSharingProductDetails/Data/OBATM/Location/ Location category

BranchInternal

ATM is located inside a bank branch and is only available during opening hours

OBReadSharingProductDetails/Data/OBATM/Location/ Location category

BranchLobby

ATM is located in a lobby which is accessible by the banks customers

OBReadSharingProductDetails/Data/OBATM/Location/ Location category

Other

Other environments, for instance a mall or an airport

OBReadSharingProductDetails/Data/OBATM/Location/ Location category

RetailerOutlet

ATM is located at a retailer outlet

OBReadSharingProductDetails/Data/OBATM/Location/ Location category

RemoteUnit

ATM is a part of a mobile banking facility

OBReadSharingProductDetails/Data/ OBBranch/Branch/ Accessibility

AutomaticDoors

Access to the branch is provided by automatic doors

OBReadSharingProductDetails/Data/ OBBranch/Branch/ Accessibility

AudioCashMachine

The branch has ATM(s) that have a headphone jack

OBReadSharingProductDetails/Data/ OBBranch/Branch/ Accessibility

ExternalRamp

Access to the branch is provided by means of an external ramp

OBReadSharingProductDetails/Data/ OBBranch/Branch/ Accessibility

HelpingHandUnit

Branches with Helping Hand units that contain items to assist customers who have a disability to transact with us in the branch. This may include items such as: magnifiers, pen grips, cheque,  templates, banknote gauges,  clipboards and lap-pads

OBReadSharingProductDetails/Data/ OBBranch/Branch/ Accessibility

InductionLoop

The branch has a hearing aid induction loop

OBReadSharingProductDetails/Data/ OBBranch/Branch/ Accessibility

InternalRamp

Access to the branch is provided by means of an internal ramp

OBReadSharingProductDetails/Data/ OBBranch/Branch/ Accessibility

LevelAccess

Level access to the branch not impeded by any step or ramp

OBReadSharingProductDetails/Data/ OBBranch/Branch/ Accessibility

LowerLevelCounter

The branch counter is at a lower level, suitable for wheelchair users

OBReadSharingProductDetails/Data/ OBBranch/Branch/ Accessibility

Other

Used to indicate that the code is not in this standard accessibility list. Note: OtherAccessibility can be used to supply the code, name and description

OBReadSharingProductDetails/Data/ OBBranch/Branch/ Accessibility

WheelchairAccess

The branch is accessible by wheelchair users

OBReadSharingProductDetails/Data/ OBBranch/Branch/ Type

Mobile

Represents a mobile branch/van which travels to different locations

OBReadSharingProductDetails/Data/ OBBranch/Branch/ Type

Physical

Represents a main or sub branch which is a fixed physical location

OBReadSharingProductDetails/Data/ OBBranch/Branch/ CustomerSegment

Corporate

The branch is able to provide services to  corporate customers

OBReadSharingProductDetails/Data/ OBBranch/Branch/ CustomerSegment

SME

The branch is able to provide services to  SME customers

OBReadSharingProductDetails/Data/ OBBranch/Branch/ CustomerSegment

Personal

The branch is able to provide services to  retail customers

OBReadSharingProductDetails/Data/ OBBranch/Branch/ ServiceandFacility

AssistedServiceCounter

Branch provides assisted service counters which are machines providing a wide range of banking facilities similar to those provided by counter services

OBReadSharingProductDetails/Data/ OBBranch/Branch/ ServiceandFacility

AccountVerificationService

Branch provides AVS verifying, for instance, Account Holders (Name /Company No), Account (Code, Branch No, Status, Type, Length open and if it accepts debits/credits)

OBReadSharingProductDetails/Data/ OBBranch/Branch/ ServiceandFacility

BusinessCounter

The branch has a business counter

OBReadSharingProductDetails/Data/ OBBranch/Branch/ ServiceandFacility

BusinessDepositTerminal

The branch provides automated terminals for taking business deposits

OBReadSharingProductDetails/Data/ OBBranch/Branch/ ServiceandFacility

CardIssuanceFacility

The branch provides a card issuance facility. Note this is usually an emergency for issuing standard debit cards with personalised magnetic stripe and chip data only

OBReadSharingProductDetails/Data/ OBBranch/Branch/ ServiceandFacility

CollectionLockers

The branch has Click and Collect Lockers

OBReadSharingProductDetails/Data/ OBBranch/Branch/ ServiceandFacility

CounterServices

The branch provides counter teller services

OBReadSharingProductDetails/Data/ OBBranch/Branch/ ServiceandFacility

LodgementDevice

The branch provides lodgement devices which are ATMs which can accept cash and cheque deposits

OBReadSharingProductDetails/Data/ OBBranch/Branch/ ServiceandFacility

MortgageAdvisor

The branch provides mortgage advisor services

OBReadSharingProductDetails/Data/ OBBranch/Branch/ ServiceandFacility

OnDemandCurrency

The branch can provide foreign currency on demand

OBReadSharingProductDetails/Data/ OBBranch/Branch/ ServiceandFacility

Other

Used to indicate that the Branch Self Service code does not exist in this standard code list. Use OtherSelfService to supply code, name & description

OBReadSharingProductDetails/Data/ OBBranch/Branch/ ContactInfo/ ContactType

AlternateEmail

Alternate email

OBReadSharingProductDetails/Data/ OBBranch/Branch/ ContactInfo/ ContactType

AlternateFax

Alternate fax number

OBReadSharingProductDetails/Data/ OBBranch/Branch/ ContactInfo/ ContactType

AlternatePhone

Alter phone number

OBReadSharingProductDetails/Data/ OBBranch/Branch/ ContactInfo/ ContactType

Email

Email

OBReadSharingProductDetails/Data/ OBBranch/Branch/ ContactInfo/ ContactType

Fax

Contact fax number

OBReadSharingProductDetails/Data/ OBBranch/Branch/ ContactInfo/ ContactType

Other

Other contact type

5. Usage Examples

5.1 GET /sharing-product-details

5.1.1 Request

GET /sharing-product-details

Authorization: Bearer 4ZopnFZFKjr5zDsicSQpLL

x-fapi-auth-date: Tue, 22 Apr 2020 19:43:31 GMT+03:00

x-fapi-customer-ip-address: 204.35.213.15

x-fapi-interaction-id: 75bdc714-b2dg-7676-c759-780d6815689f

Accept: application/json

5.1.2 Response

200 OK

x-fapi-interaction-id: 75bdc714-b2dg-7676-c759-780d6815689f

Content-Type: application/json

{

  "Data": {

    "CreditCards": [

      {

        "ProductDetails": {

          "CategoryName": "Credit-card",

          "CategoryCode": "CC",

          "ProductDescription": "XYZ platinum premium credit cards",

          "ProductCode": "XYZ-1",

          "SubProductCode": "XYZ-101",

          "ProductURL": "http//xyz.com/creditcards/",

          "Segment": "lifestyle"

        },

        "Features": {

          "Currency": "BHD",

          "OnetimeFee": 100,

          "AnnualFeeAndCharges": 50,

          "FeeWaiver": "Under the following condition: customer to have made the transaction of >10,000 BHD in the financial year",

          "AddOnCards": "2 complimentary add on card for the family members with limited transaction options",

          "CardLimit": "1000 BHD per month",

          "InterestRates": "2.5% exclusive of taxes per month"

        },

        "Eligibility": {

          "DocumentsRequired": "1. Address proof 2. salary slip 3. bank statement, etc.",

          "Age": 26,

          "EmploymentStatus": "Employed",

          "Income": ">10,000 BHD per annum",

          "CreditScore": "700"

        },

        "Benefits": {

          "OffersOnTheCard": "Get up to 20% off at the selected restaurants in Bahrain"

          "RewardType": " PremierMiles Credit Card",

          "RewardsProgram": " Free access to selected airport lounges",

          "JoiningGiftsOrBonus": "Complementary 100 reward points on joining",

          "OtherBenefits": " Immediate access to XYZ ATMs worldwide"

        },

      "TermsAndConditions": {,

          "tnc-url": "http//xyz.com/creditcards/tnc/"

        }

      }

    ],

    "Loans": [

      {

        "ProductDetails": {

          "CategoryName": "Personal loan",

          "CategoryCode": "LN",

          "ProductDescription": "XYZ educational loan",

          "ProductCode": "XYZ-L",

          "SubProductCode": "XYZ-L-101",

          "ProductURL": "http//xyz.com/loans/",

          "Segment": "personal"

        },

        "Features": {

          "Currency": "BHD",

          "InitialDeposit": "100",

          "HandlingFees/Supplementary": "50",

          "LoanTenure": "48",

          "InterestRates": "8% inclusive of taxes"

        },

        "Eligibility": {

          "DocumentsRequired": "1. Address proof 2. salary slip 3. bank statement, etc.",

          "Age": 26,

          "EmploymentStatus": "Employed",

          "Income": ">10,000 BHD per annum",

          "CreditScore": "700",

          "Collateral": "1. mortgages such as house"

        },

        "Benefits": {

          "BonusPack": "Free card issuance fee for the first year, Bank representative can provide the service at your doorsteps",

          "FreeMortgageValueAssessment": " ",

          "AutoPaySetup": " Auto pay option available for repayment",

          "E-cheque": " Access e-Cheque services anywhere in the world through the Internet",

          "EarlyEMIPaymentOptions": " Three month grace period option",

          "OtherBenefits": "Free Home Protect cover from XYZ for the Ijara option"

        },

        "TermsAndConditions": {,

          "tnc-url": "http//xyz.com/loans/tnc/"

        }

      }

    ],

"CASA": [

      {

        "ProductDetails": {

          "CategoryName": "Current account Saving account",

          "CategoryCode": "CASA",

          "ProductDescription": "XYZ Current account",

          "ProductCode": "XYZ-CASA",

          "SubProductCode": "XYZ-CASA-101",

          "ProductURL": "http//xyz.com/casa/",

          "Segment": "Retail"

        },

        "Features": {

          "Currency": "BHD",

          "MinBalanceMaintenance": "25",

          "HandlingFees/Supplementary": "50",

          "OverdraftLimit": "10000",

          "InterestRates": "8% inclusive of taxes",

          "DepositRate": "4% inclusive of taxes",

          "MinDepositAmount": "10"

        },

        "Eligibility": {

          "DocumentsRequired": "1. Address proof 2. Business documents 3. bank statement, etc.",

          "Age": 26,

          "EmploymentStatus": "Employed",

          "Income": ">10,000 BHD per annum",

          "CreditScore": "700"

        },

        "Benefits": {

          "RelationshipManager": "A dedicated relationship manager, as well as an exclusive debit card with additional privileges",

          "ODprotection": "We offer protection to make sure you are temporarily covered when withdrawing funds in excess of your account   balance",

          "MinBalance": "Minimum Initial deposit of BD 20 or USD 50": "A minimum balance charge of BD 1 if the average monthly balance is less than BD 20 or equivalent. This may be updated as per the Bank’s Schedule of Fees and Service Charges",

          "AutoPaySetup": "Standing instruction facility",

          "MultipleDebitCards": " Free Debit card at the time of account opening for individuals, Joint Personal, Sole Proprietorship",

          "E-cheque": "Free access to eBanking channels and Phone Banking",

          "OtherBenefits": "Can be opened in Bahraini Dinars and US Dollars, Easy money transfer options between your own accounts or to other beneficiaries within Bahrain or overseas"

        },

        "TermsAndConditions": {,

          "tnc-url": "http//xyz.com/casa/tnc/"

        }

      }

    ],

 "Investment": [

      {

        "ProductDetails": {

          "CategoryName": "Investment account",

          "CategoryCode": "IA",

          "ProductDescription": "XYZ Investment service",

          "ProductCode": "XYZ-IA",

          "SubProductCode": "XYZ-IA-101",

          "ProductURL": "http//xyz.com/investment/",

          "Segment": "Retail"

        },

        "Features": {

          "Currency": "BHD",

          "MinInvestmentRequirement": "1000",

          "HandlingFees/Supplementary": "50",

          "AnnualFees": "50",

          "InvestmentTenure": "48",

          "DepositRate": "4% inclusive of taxes",

          "HistoricInvestmentRate": "year wise % return

                                                2008-15%

                                                2009-20%

                                                ……

                                                2019-17%"

        },

        "Eligibility": {

          "DocumentsRequired": "1. Address proof 2. Business documents 3. bank statement, etc.",

          "Age": 26,

          "EmploymentStatus": "Employed",

          "Income": ">10,000 BHD per annum",

          "CreditScore": "700"

        },

        "Benefits": {

          "SIPOptions": "Minimum SIP amount of 50 BHD per month",

          "QuickerInvestmentWithdrawal": "All transmission costs, service charges and any other charges and expenses whatsoever of any kind relating to withdrawals from an Account will be paid by the Customer in full without deduction or set-off immediately upon demand or by debiting the relevant Account(s)",

          "MinimumInvestment": "Minimum deposit of BHD 1,000 for BHD currency deposits",

          "AutoPaySetup": "Standing instruction facility",

          "OtherBenefits": "Flexible profit distribution on a monthly basis, or at maturity"

        },

        "TermsAndConditions": {,

          "tnc-url": "http//xyz.com/investment/tnc/"

        }

      }

    ],

 "FundTransferServices": [

      {

        "ProductDetails": {

          "CategoryName": "Fund transfer",

          "CategoryCode": "FT",

          "ProductDescription": "XYZ Fund transfer service",

          "ProductCode": "XYZ-FT",

          "SubProductCode": "XYZ-FT-101",

          "ProductURL": "http//xyz.com/fundtransferservices/",

          "Segment": "Retail"

        },

        "Features": {

          "Currency": "BHD",

          "MinFundTransfer": "10",

          "HandlingFees/Supplementary": "50",

          "TypesOfFundTransfer": "1. Fawri

  1. Fawri+

  1. Fawateer"

        },

        "Eligibility": {

          "DocumentsRequired": "1. Address proof 2. Business documents 3. bank statement, etc.",

          "Age": 26,

          "EmploymentStatus": "Employed",

          "Income": ">10,000 BHD per annum",

          "CreditScore": "700"

        },

        "Benefits": {

          "InternationalPayment": "Facility of international payments is conveniently available through mobile and internet banking, as well as through any branch",

          "OtherBenefits": "The Bank offers speedy money transfer services to most countries in the world in major currencies"

        },

        "TermsAndConditions": {,

          "tnc-url": "http//xyz.com/fundtransferservices/tnc/"

        }

      }

    ]

  }

}

 

 

CENTRAL BANK OF BAHRAIN © 2020