Manage Application and Account Holder

Manage Application and Account Holders

Published on 20th August, 2021

Once an application is approved by the IFI, the Fusion system creates an account holder. This article walks through the different ways a fintech can manage an application and account holder using Fusion APIs.

Duplicate Application

Irrespective of the number of fintechs the customer is signing up with, as per the regulations, there will be only one account holder entity with the respective IFI. This is tracked against the phone number, i.e. one phone number - one account holder with the IFI. Hence, there can be instances when upon calling the ‘/applications/newIndividualApplication’ endpoint, a message indicating that the ‘Account holder already exists’ might be responded with. This indicates that an account already exists with the IFI against the provided contact number. In such cases, the authority to approve the application lies solely with the IFI. IFI configures the matching criteria and approves or rejects the application accordingly.

You can refer to IDFC KYC and RBL KYC documentation to understand how these banks cater to such instances.

Get Application Details

When an Application for a new Account Holder is created, a corresponding applicationID(unique identifier) is generated. Fintech can use the applicationID to get details of the application. The response displays Application/Applicant details and the current status of the Application.

GET/api/v1/ifi/{ifi_id}/application/{application_id}

Request

cURL Sample

curl --location --request GET '{{fusion_base_url}}/api/v1/ifi/{ifi_id}/application/{application_id}' \
--header 'X-Zeta-AuthToken: {authtoken}'

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Response

JSON Sample

{
    "applicationId": "88d24ca5-2f75-435d-9fed-b6bb0a662377",
    "spoolId": "12b66d97-c5c5-4a38-b896-b1790a6a6845",
    "ifiId": 140793,
    "requestId": "request_cah-233",
    "status": "DATA_CAPTURE_INITIATED",
    "sections": {
        "AccountHolderDetails": {
            "sectionId": "4d62f76d-9826-4b72-a7f5-c3c885e2f6b9",
            "ifiId": 140793,
            "spoolId": "12b66d97-c5c5-4a38-b896-b1790a6a6845",
            "applicationId": "88d24ca5-2f75-435d-9fed-b6bb0a662377",
            "name": "AccountHolderDetails",
            "type": "CreateRealAccountHolder",
            "details": {
                "dob": {
                    "year": 1957.0,
                    "month": 7.0,
                    "dayOfMonth": 13.0
                },
                "gender": "MALE",
                "lastName": "Verma",
                "firstName": "Sarthak",
                "middleName": "Kumar",
                "salutation": "Mr.",
                "profilePicURL": "https://s3.amazonaws.com/uifaces/faces/twitter/darylws/128.jpg",
                "individualType": "REAL",
                "applicationType": "CREATE_ACCOUNT_HOLDER",
                "mothersMaidenName": "xyz"
            },
            "createdAt": "2021-02-19T10:40:04.837+05:30",
            "updatedAt": "2021-02-19T10:40:04.837+05:30"
        }
    },
    "vectors": [
        {
            "vectorId": "d8979db7-bc16-4934-9450-4c33a3991791",
            "ifiId": 140793,
            "spoolId": "12b66d97-c5c5-4a38-b896-b1790a6a6845",
            "applicationId": "88d24ca5-2f75-435d-9fed-b6bb0a662377",
            "type": "e",
            "value": "[email protected]",
            "status": "ENABLED",
            "attributes": {},
            "createdAt": "2021-02-19T10:40:04.707+05:30",
            "updatedAt": "2021-02-19T10:40:04.707+05:30"
        }
    ],
    "stages": [
        {
            "stageId": "2b7c5ecc-64dc-4985-93d8-b1dfb8788de5",
            "ifiId": 140793,
            "applicationId": "88d24ca5-2f75-435d-9fed-b6bb0a662377",
            "spoolId": "12b66d97-c5c5-4a38-b896-b1790a6a6845",
            "name": "ASSESSMENT",
            "status": "NOT_INITIATED",
            "details": {},
            "result": {},
            "createdAt": "2021-02-19T10:40:05.036+05:30",
            "updatedAt": "2021-02-19T10:40:05.036+05:30"
        },
        {
            "stageId": "24691789-c586-49fc-9071-ef5c58066211",
            "ifiId": 140793,
            "applicationId": "88d24ca5-2f75-435d-9fed-b6bb0a662377",
            "spoolId": "12b66d97-c5c5-4a38-b896-b1790a6a6845",
            "name": "DATA_CAPTURE",
            "status": "INITIATED",
            "details": {},
            "result": {
                "validationFailed": [
                    {
                        "code": "APPLICATION_SCHEMA_VALIDATION_FAILED",
                        "type": "JsonSchemaValidator",
                        "status": "FAILED",
                        "message": "#: #: only 1 subschema matches out of 2",
                        "attributes": {
                            "errorMessages": [
                                "#/sections: required key [Personal] not found",
                                "#/sections: required key [Vectors] not found"
                            ]
                        }
                    }
                ]
            },
            "createdAt": "2021-02-19T10:40:05.024+05:30",
            "updatedAt": "2021-02-19T10:51:28.770+05:30"
        },
        {
            "stageId": "3546099b-4d81-42d5-abea-05dfbadf50a2",
            "ifiId": 140793,
            "applicationId": "88d24ca5-2f75-435d-9fed-b6bb0a662377",
            "spoolId": "12b66d97-c5c5-4a38-b896-b1790a6a6845",
            "name": "ENRICHMENT",
            "status": "NOT_INITIATED",
            "details": {},
            "result": {},
            "createdAt": "2021-02-19T10:40:05.036+05:30",
            "updatedAt": "2021-02-19T10:40:05.036+05:30"
        },
        {
            "stageId": "11f04481-6e07-4036-b549-69a1868abdfc",
            "ifiId": 140793,
            "applicationId": "88d24ca5-2f75-435d-9fed-b6bb0a662377",
            "spoolId": "12b66d97-c5c5-4a38-b896-b1790a6a6845",
            "name": "PROVISIONING",
            "status": "NOT_INITIATED",
            "details": {},
            "result": {},
            "createdAt": "2021-02-19T10:40:05.036+05:30",
            "updatedAt": "2021-02-19T10:40:05.036+05:30"
        },
        {
            "stageId": "e6163594-0b26-4d96-a890-79231c7adcf4",
            "ifiId": 140793,
            "applicationId": "88d24ca5-2f75-435d-9fed-b6bb0a662377",
            "spoolId": "12b66d97-c5c5-4a38-b896-b1790a6a6845",
            "name": "REVIEW",
            "status": "NOT_INITIATED",
            "details": {},
            "result": {},
            "createdAt": "2021-02-19T10:40:05.037+05:30",
            "updatedAt": "2021-02-19T10:40:05.037+05:30"
        }
    ],
    "tags": [
        {
            "type": "spool-id",
            "value": "12b66d97-c5c5-4a38-b896-b1790a6a6845",
            "attributes": {}
        },
        {
            "type": "vbo-id",
            "value": "26c28ca6-4202-464c-9806-b788989762d4",
            "attributes": {}
        }
    ],
    "createdAt": "2021-02-19T10:40:04.672+05:30",
    "updatedAt": "2021-02-19T10:40:05.815+05:30"
}
Response 
{
    "sectionId": "4d62f76d-9826-4b72-a7f5-c3c885e2f6b9",
    "ifiId": 140793,
    "spoolId": "12b66d97-c5c5-4a38-b896-b1790a6a6845",
    "applicationId": "88d24ca5-2f75-435d-9fed-b6bb0a662377",
    "name": "AccountHolderDetails",
    "type": "CreateRealAccountHolder",
    "details": {
        "dob": {
            "year": 1957.0,
            "month": 7.0,
            "dayOfMonth": 13.0
        },
        "gender": "MALE",
        "lastName": "Verma",
        "firstName": "Sarthak",
        "middleName": "Kumar",
        "salutation": "Mr.",
        "profilePicURL": "https://s3.amazonaws.com/uifaces/faces/twitter/darylws/128.jpg",
        "individualType": "REAL",
        "applicationType": "CREATE_ACCOUNT_HOLDER",
        "mothersMaidenName": "xyz"
    },
    "createdAt": "2021-02-19T10:40:04.837+05:30",
    "updatedAt": "2021-02-19T10:40:04.837+05:30"
}

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Update Application

Add section

Sometimes an applicant may not complete the application in one shot. For example, at a given stage the applicant is only carrying their ID proof but do not yet have the address proof. In such cases, you can add sections to the application before you mark the sourcing ‘DATA_CAPTURE’ stage as complete.

Section is also a free flowing json that can be defined however the fintech wants but would eventually be verified using one of the schema validators of the application which is setup by the Issuer.

POSTapi/v1/ifi/{{ifiID}}/spool/{{spool_id}}/application/{{application}}/section

Request

cURL Sample

curl --location --request POST 'https://fusion.preprod.zeta.in/api/v1/ifi/{{ifiID}}/spool/{{spool_id}}/application/{{application}}/section/AccountHolderDetails' \
--header 'Content-Type: application/json' \
--header 'X-Zeta-AuthToken: {{token}}' \
--data-raw '{
	"type":"AccountHolderDetails",
	"details": {
            "individualType": "REAL",
            "dob": {
                "year": 1957,
                "dayOfMonth": 13,
                "month": 7
            },
            "salutation": "Mr.",
            "firstName": "Sarthak",
            "lastName": "Verma",
            "middleName": "Kumar",
            "profilePicURL": "https://s3.amazonaws.com/uifaces/faces/twitter/darylws/128.jpg",
            "applicationType": "CREATE_ACCOUNT_HOLDER",
            "gender": "MALE",
            "mothersMaidenName": "xyz",
            "kycDetails": {
                "kycStatus": "AADHAAR_OTP",
                "kycStatusPostExpiry": "MINIMAL",
                "kycAttributes": {
                    "key": "value"
                },
                "authType": "AADHAAR",
                "authData": {
                    "AADHAAR": "677777777777"
                }
            },
            "vectors": [{
                "type": "p",
                "value": "+919000000000",
                "isVerified": true
            }],
            "pops": [{
                "label": "home",
                "address": {
                    "line1": "Q. No. 123",
                    "line2": "IFFCO Township",
                    "city": "Bareilly",
                    "state": "UP",
                    "postCode": "100010",
                    "country": "India"
                }
            }]
        }
}'

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Response

JSON Sample

{
    "sectionId": "4d62f76d-9826-4b72-a7f5-c3c885e2f6b9",
    "ifiId": 140793,
    "spoolId": "12b66d97-c5c5-4a38-b896-b1790a6a6845",
    "applicationId": "88d24ca5-2f75-435d-9fed-b6bb0a662377",
    "name": "AccountHolderDetails",
    "type": "AccountHolderDetails",
    "details": {
        "dob": {
            "year": 1957.0,
            "month": 7.0,
            "dayOfMonth": 13.0
        },
        "pops": [
            {
                "label": "home",
                "address": {
                    "city": "Bareilly",
                    "line1": "Q. No. 123",
                    "line2": "IFFCO Township",
                    "state": "UP",
                    "country": "India",
                    "postCode": "100010"
                }
            }
        ],
        "gender": "MALE",
        "vectors": [
            {
                "type": "p",
                "value": "+919000000000",
                "isVerified": true
            }
        ],
        "lastName": "Verma",
        "firstName": "Sarthak",
        "kycDetails": {
            "authData": {
                "AADHAAR": "677777777777"
            },
            "authType": "AADHAAR",
            "kycStatus": "AADHAAR_OTP",
            "kycAttributes": {
                "key": "value"
            },
            "kycStatusPostExpiry": "MINIMAL"
        },
        "middleName": "Kumar",
        "salutation": "Mr.",
        "profilePicURL": "https://s3.amazonaws.com/uifaces/faces/twitter/darylws/128.jpg",
        "individualType": "REAL",
        "applicationType": "CREATE_ACCOUNT_HOLDER",
        "mothersMaidenName": "xyz"
    },
    "createdAt": "2021-02-19T10:40:04.837+05:30",
    "updatedAt": "2021-02-19T12:17:14.271+05:30"
}

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Update Section

Fintechs can also update a section of the application, in case any erroneous information has been provided using the update section API.

PUTapi/v1/ifi/140793/spool/{{spool_id}}/application/{{application_id}}/AccountHolderDetails

Request

cURL Sample

curl --location --request PUT '{{fusion_base_url}}/v1/ifi/140793/spool/{{spool_id}}/application/{{application_id}}/AccountHolderDetails' \
--header 'Content-Type: application/json' \
--header 'X-Zeta-AuthToken: {{auth_token}}' \
--data-raw '{
	"type":"AccountHolderDetails",
	"details": {
            "individualType": "REAL",
            "dob": {
                "year": 1957,
                "dayOfMonth": 13,
                "month": 7
            },
            "salutation": "Mr.",
            "firstName": "Sarthak",
            "lastName": "Verma",
            "middleName": "Kumar",
            "profilePicURL": "https://s3.amazonaws.com/uifaces/faces/twitter/darylws/128.jpg",
            "applicationType": "CREATE_ACCOUNT_HOLDER",
            "gender": "MALE",
            "mothersMaidenName": "xyz",
            "kycDetails": {
                "kycStatus": "AADHAAR_OTP",
                "kycStatusPostExpiry": "MINIMAL",
                "kycAttributes": {
                    "key": "value"
                },
                "authType": "AADHAAR",
                "authData": {
                    "AADHAAR": "677777777777"
                }
            },
            "vectors": [{
                "type": "p",
                "value": "+919000000000",
                "isVerified": true
            }],
            "pops": [{
                "label": "home",
                "address": {
                    "line1": "Q. No. 123",
                    "line2": "IFFCO Township",
                    "city": "Bareilly",
                    "state": "UP",
                    "postCode": "100010",
                    "country": "India"
                }
            }]
        }
}'

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Response

JSON Sample

{
    "sectionId": "4d62f76d-9826-4b72-a7f5-c3c885e2f6b9",
    "ifiId": 140793,
    "spoolId": "12b66d97-c5c5-4a38-b896-b1790a6a6845",
    "applicationId": "88d24ca5-2f75-435d-9fed-b6bb0a662377",
    "name": "AccountHolderDetails",
    "type": "AccountHolderDetails",
    "details": {
        "dob": {
            "year": 1957.0,
            "month": 7.0,
            "dayOfMonth": 13.0
        },
        "pops": [
            {
                "label": "home",
                "address": {
                    "city": "Bareilly",
                    "line1": "Q. No. 123",
                    "line2": "IFFCO Township",
                    "state": "UP",
                    "country": "India",
                    "postCode": "100010"
                }
            }
        ],
        "gender": "MALE",
        "vectors": [
            {
                "type": "p",
                "value": "+919000000000",
                "isVerified": true
            }
        ],
        "lastName": "Verma",
        "firstName": "Sarthak",
        "kycDetails": {
            "authData": {
                "AADHAAR": "677777777777"
            },
            "authType": "AADHAAR",
            "kycStatus": "AADHAAR_OTP",
            "kycAttributes": {
                "key": "value"
            },
            "kycStatusPostExpiry": "MINIMAL"
        },
        "middleName": "Kumar",
        "salutation": "Mr.",
        "profilePicURL": "https://s3.amazonaws.com/uifaces/faces/twitter/darylws/128.jpg",
        "individualType": "REAL",
        "applicationType": "CREATE_ACCOUNT_HOLDER",
        "mothersMaidenName": "xyz"
    },
    "createdAt": "2021-02-19T10:40:04.837+05:30",
    "updatedAt": "2021-02-19T12:17:14.271+05:30"
}

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Mark Data Capture complete

This API is used to mark the data capture stage of application complete. This API indicates that the details that were to be collected from the applicant have been collected. Now as part of the next stage, Enrichment, details from third party services can be added.

POST/api/v1/ifi/{{ifiID}}/spool/{{spool_id}}/application/{{application_id}}/stage/DATA_CAPTURE/complete

Request

cURL Sample

curl --location --request POST '{{fusion_base_url}}/api/v1/ifi/{{ifiID}}/spool/{{spool_id}}application/{{application_id}}/stage/DATA_CAPTURE/complete' \
--header 'Content-Type: application/json' \
--header 'X-Zeta-AuthToken: '{{token}}'

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Response

JSON Sample

{
    "applicationId": "88d24ca5-2f75-435d-9fed-b6bb0a662377",
    "spoolId": "12b66d97-c5c5-4a38-b896-b1790a6a6845",
    "ifiId": 140793,
    "requestId": "request_cah-233",
    "status": "DATA_CAPTURE_INITIATED",
    "sections": {
        "AccountHolderDetails": {
            "sectionId": "4d62f76d-9826-4b72-a7f5-c3c885e2f6b9",
            "ifiId": 140793,
            "spoolId": "12b66d97-c5c5-4a38-b896-b1790a6a6845",
            "applicationId": "88d24ca5-2f75-435d-9fed-b6bb0a662377",
            "name": "AccountHolderDetails",
            "type": "AccountHolderDetails",
            "details": {
                "dob": {
                    "year": 1957.0,
                    "month": 7.0,
                    "dayOfMonth": 13.0
                },
                "pops": [
                    {
                        "label": "home",
                        "address": {
                            "city": "Bareilly",
                            "line1": "Q. No. 123",
                            "line2": "IFFCO Township",
                            "state": "UP",
                            "country": "India",
                            "postCode": "100010"
                        }
                    }
                ],
                "gender": "MALE",
                "vectors": [
                    {
                        "type": "p",
                        "value": "+919000000000",
                        "isVerified": true
                    }
                ],
                "lastName": "Verma",
                "firstName": "Sarthak",
                "kycDetails": {
                    "authData": {
                        "AADHAAR": "677777777777"
                    },
                    "authType": "AADHAAR",
                    "kycStatus": "AADHAAR_OTP",
                    "kycAttributes": {
                        "key": "value"
                    },
                    "kycStatusPostExpiry": "MINIMAL"
                },
                "middleName": "Kumar",
                "salutation": "Mr.",
                "profilePicURL": "https://s3.amazonaws.com/uifaces/faces/twitter/darylws/128.jpg",
                "individualType": "REAL",
                "applicationType": "CREATE_ACCOUNT_HOLDER",
                "mothersMaidenName": "xyz"
            },
            "createdAt": "2021-02-19T10:40:04.837+05:30",
            "updatedAt": "2021-02-19T15:53:41.943+05:30"
        }
    },
    "vectors": [
        {
            "vectorId": "d8979db7-bc16-4934-9450-4c33a3991791",
            "ifiId": 140793,
            "spoolId": "12b66d97-c5c5-4a38-b896-b1790a6a6845",
            "applicationId": "88d24ca5-2f75-435d-9fed-b6bb0a662377",
            "type": "e",
            "value": "[email protected]",
            "status": "ENABLED",
            "attributes": {},
            "createdAt": "2021-02-19T10:40:04.707+05:30",
            "updatedAt": "2021-02-19T10:40:04.707+05:30"
        }
    ],
    "stages": [
        {
            "stageId": "2b7c5ecc-64dc-4985-93d8-b1dfb8788de5",
            "ifiId": 140793,
            "applicationId": "88d24ca5-2f75-435d-9fed-b6bb0a662377",
            "spoolId": "12b66d97-c5c5-4a38-b896-b1790a6a6845",
            "name": "ASSESSMENT",
            "status": "NOT_INITIATED",
            "details": {},
            "result": {},
            "createdAt": "2021-02-19T10:40:05.036+05:30",
            "updatedAt": "2021-02-19T10:40:05.036+05:30"
        },
        {
            "stageId": "24691789-c586-49fc-9071-ef5c58066211",
            "ifiId": 140793,
            "applicationId": "88d24ca5-2f75-435d-9fed-b6bb0a662377",
            "spoolId": "12b66d97-c5c5-4a38-b896-b1790a6a6845",
            "name": "DATA_CAPTURE",
            "status": "INITIATED",
            "details": {},
            "result": {
                "validationFailed": [
                    {
                        "code": "APPLICATION_SCHEMA_VALIDATION_FAILED",
                        "type": "JsonSchemaValidator",
                        "status": "FAILED",
                        "message": "#: #: only 1 subschema matches out of 2",
                        "attributes": {
                            "errorMessages": [
                                "#/sections: required key [Personal] not found",
                                "#/sections: required key [Vectors] not found"
                            ]
                        }
                    }
                ]
            },
            "createdAt": "2021-02-19T10:40:05.024+05:30",
            "updatedAt": "2021-02-19T15:56:30.525+05:30"
        },
        {
            "stageId": "3546099b-4d81-42d5-abea-05dfbadf50a2",
            "ifiId": 140793,
            "applicationId": "88d24ca5-2f75-435d-9fed-b6bb0a662377",
            "spoolId": "12b66d97-c5c5-4a38-b896-b1790a6a6845",
            "name": "ENRICHMENT",
            "status": "NOT_INITIATED",
            "details": {},
            "result": {},
            "createdAt": "2021-02-19T10:40:05.036+05:30",
            "updatedAt": "2021-02-19T10:40:05.036+05:30"
        },
        {
            "stageId": "11f04481-6e07-4036-b549-69a1868abdfc",
            "ifiId": 140793,
            "applicationId": "88d24ca5-2f75-435d-9fed-b6bb0a662377",
            "spoolId": "12b66d97-c5c5-4a38-b896-b1790a6a6845",
            "name": "PROVISIONING",
            "status": "NOT_INITIATED",
            "details": {},
            "result": {},
            "createdAt": "2021-02-19T10:40:05.036+05:30",
            "updatedAt": "2021-02-19T10:40:05.036+05:30"
        },
        {
            "stageId": "e6163594-0b26-4d96-a890-79231c7adcf4",
            "ifiId": 140793,
            "applicationId": "88d24ca5-2f75-435d-9fed-b6bb0a662377",
            "spoolId": "12b66d97-c5c5-4a38-b896-b1790a6a6845",
            "name": "REVIEW",
            "status": "NOT_INITIATED",
            "details": {},
            "result": {},
            "createdAt": "2021-02-19T10:40:05.037+05:30",
            "updatedAt": "2021-02-19T10:40:05.037+05:30"
        }
    ],
    "tags": [
        {
            "type": "spool-id",
            "value": "12b66d97-c5c5-4a38-b896-b1790a6a6845",
            "attributes": {}
        },
        {
            "type": "vbo-id",
            "value": "26c28ca6-4202-464c-9806-b788989762d4",
            "attributes": {}
        }
    ],
    "createdAt": "2021-02-19T10:40:04.672+05:30",
    "updatedAt": "2021-02-19T10:40:05.815+05:30"
}

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Additional APIs can be exposed to the Fintech, subject to the Issuer’s approval. Fintech can subscribe to the ‘Account Holder Created’ event to know when the application gets approved.

Get Account Holder Details

There are two ways to fetch details for an Account Holder— using Account Holder ID or Vectors.

Using Account Holder ID

If you have Account Holder’s ID (individualID), use the /accountHolders API to fetch their details.

GET/api/v1/ifi/{{ifiID}}/accountHolders/{{accountHolderID}}

Input parameters

ifiID: Required. Unique identifier of the IFI.
accountHolderID: Required. Unique identifier of the Account Holder. Same as individualID

Example

In the following example, we fetch Account Holder’s details using Account Holder’s ID (individualID):

Request

cURL Sample

curl -X GET 'https://fusion.preprod.zeta.in/api/v1/ifi/140827/accountHolders/b9988179-9a74-41f5-aba4-0b85e501fd68'
-H 'X-Zeta-AuthToken: {{AUTH_TOKEN}}' 
-H 'Content-Type: application/json'

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Response

JSON Sample

{
"requestID": "7ef0d6a4-e098-47fd-9d1c-6b9d8edc52de",
"id": "b9988179-9a74-41f5-aba4-0b85e501fd68",
"ifiID": 140827,
"accountHolderProviderID": "862bb162-b5ad-4112-9d73-bb2306546a36",
"vectors": [
  {
    "id": "b6bd9b26-16b3-4b99-b7d4-a1ecdd3718d3",
    "accountHolderID": "b9988179-9a74-41f5-aba4-0b85e501fd68",
    "ifiID": 140827,
    "status": "ENABLED",
    "type": "aadhaar",
    "value": "OyqYXR+TvnRMnCVPIpXe+amOfwWblwORK1cK8qMr7oE=",
    "createdAt": "Jan 6, 2020 7:41:05 AM",
    "headers": {}
  },
  {
    "id": "94b63932-3a7a-4bce-8334-12f85ddaeaca",
    "accountHolderID": "b9988179-9a74-41f5-aba4-0b85e501fd68",
    "ifiID": 140827,
    "status": "ENABLED",
    "type": "p",
    "value": "+919583170190",
    "createdAt": "Jan 6, 2020 7:41:05 AM",
    "headers": {}
  }
],
"type": "REAL",
"status": "ENABLED",
"KYCStatus": {
  "ifiID": 140827,
  "accountHolderID": "b9988179-9a74-41f5-aba4-0b85e501fd68",
  "kycStatus": "MINIMAL",
  "updateTime": {
    "date": {
      "year": 2020,
      "month": 1,
      "day": 6
    },
    "time": {
      "hour": 7,
      "minute": 41,
      "second": 5,
      "nano": 579646000
    }
  },
  "expiryTime": {
    "date": {
      "year": 2021,
      "month": 1,
      "day": 5
    },
    "time": {
      "hour": 7,
      "minute": 41,
      "second": 5,
      "nano": 0
    }
  },
  "attributes": {
    "aadhaar": "OyqYXR+TvnRMnCVPIpXe+amOfwWblwORK1cK8qMr7oE=",
    "kycType": "MINIMAL",
    "authType": "AADHAAR",
    "reference": "dd4302e0-1da9-4ea2-9948-22f74c2568dcydYKXSknhzbDHcL+3sfXzQ=="
  },
  "headers": {}
},
"salutation": "Mr.",
"firstName": "Abhinav",
"middleName": "",
"lastName": "Shukla",
"profilePicURL": "http://mypic.picland.somewhere.com/profile_pic.jpg",
"dob": "Jul 5, 1992",
"gender": "FEMALE",
"mothersMaidenName": "kumari",
"pops": [],
"tags": [],
"attributes": {
  "companyID": "[1.0, 2.0, 3.0]"
},
"createdAt": {
  "date": {
    "year": 2020,
    "month": 1,
    "day": 6
  },
  "time": {
    "hour": 7,
    "minute": 41,
    "second": 5,
    "nano": 579646000
  }
},
"headers": {}
}

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Using Vector

Vectors are unique identifiers, like phone and email, used to identify an Account Holder. Use the /individualByVector API and pass the Account Holder’s Vector as path parameter to fetch their details.

GET/api/v1/ifi/{ifiID}/individualByVector/{vectorType}/{vectorValue}

Input parameters

ifiID: Required. Unique identifier of the IFI.
vectorType: Required. Type of Vector using which details are being fetched. Allowed values: p for phone number; e for email.
vectorValue: Required. Value based on Vector type specified. For example, if vectorType is p, specify Account Holder’s phone number; if vectorType is e, specify email ID.

Example

In the following example, we fetch Account Holder’s details using phone number:

Request

cURL Sample

curl -X GET 'https://fusion.preprod.zeta.in/api/v1/ifi/140827/individualByVector/p/+914071839645' 
-H 'X-Zeta-AuthToken: {{AUTH_TOKEN}}' 
-H 'Content-Type: application/json'

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Response

JSON Sample

{
  "requestID": "78c1232f-7b15-47ca-be7e-c591e40406de",
  "id": "3cfa87dc-2ae2-43f7-9adc-3d2fa0fb1f50",
  "ifiID": 140827,
  "accountHolderProviderID": "862bb162-b5ad-4112-9d73-bb2306546a36",
  "vectors": [
      {
          "id": "001703c8-d40f-453d-b675-7f1f05954c26",
          "accountHolderID": "3cfa87dc-2ae2-43f7-9adc-3d2fa0fb1f50",
          "ifiID": 140827,
          "status": "ENABLED",
          "type": "p",
          "value": "+914071839645",
          "createdAt": "Dec 10, 2019 2:05:40 PM",
          "attributes": {
              "additionalProp1": "string",
              "additionalProp2": "string",
              "additionalProp3": "string"
          },
          "headers": {}
      }
  ],
  "type": "REAL",
  "status": "ENABLED",
  "firstName": "Jim",
  "middleName": "Hilton",
  "lastName": "Carry",
  "profilePicURL": "http://mypic.picland.somewhere.com/profile_pic.jpg",
  "gender": "Male",
  "pops": [],
  "attributes": {},
  "createdAt": {
      "date": {
          "year": 2019,
          "month": 12,
          "day": 10
      },
      "time": {
          "hour": 14,
          "minute": 5,
          "second": 40,
          "nano": 766431000
      }
  },
  "headers": {}
}

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Error Codes

Stage	Status	ErrorCode	Description
All	BAD_REQUEST	004	Invalid input signature
All	BAD_REQUEST	010	Technical Error while verifying signature in create session api.
All	BAD_REQUEST	027	Input IFI Id is not valid.
All	BAD_REQUEST	033	Input data is invalid and non-parsable data.
Create application for account holder	CONFLICT	023	Account already exists and KYCed
All	FORBIDDEN	003	Session Expired - Session expiry is 30 mins.
Account Holder's KYC	FORBIDDEN	015	Aadhaar OTP is already processed and closed.
Account Holder's KYC	INTERNAL_SERVER_ERROR	001	Internal Technical Glitch (Mostly timeout from bank APIs)
Account Holder's KYC	INTERNAL_SERVER_ERROR	007	Generate OTP has failed.
Account Holder's KYC	INTERNAL_SERVER_ERROR	008	Verify OTP has failed.
Account Holder's KYC	INTERNAL_SERVER_ERROR	011	Technical Error.
Account Holder's KYC	INTERNAL_SERVER_ERROR	024	UID not found trying to modify.
Account Holder's KYC with IDFC Bank	INTERNAL_SERVER_ERROR	025	Duplicate request for aadhaar otp kyc.
Account Holder's KYC	INTERNAL_SERVER_ERROR	030	Error while creating application.
Account Holder's KYC	INTERNAL_SERVER_ERROR	031	Error while adding kyc section in application.
Account Holder's KYC	NOT_FOUND	005	Error while fetching KYC Details. Error if the provided account holder is not present.
Account Holder's KYC	NOT_FOUND	022	OVD Hash generated has not yet created a challenge (generate OTP) and tried to verify it.

Keep track of this space for more updates

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Manage Application and Account Holder

Duplicate Application

Get Application Details

Update Application

Add section

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Mark Data Capture complete

Get Account Holder Details

Using Account Holder ID

Using Vector

Error Codes

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