• Credit

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  • Credit

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XYZ fintech, in partnership with ABC Bank, launched a premium credit card product and configured the policies to issue new credit accounts.

Jane is an existing customer of XYZ fintech. She is a salaried professional who earns a monthly income of $10,000. She has limited liabilities and maintains a good credit score. Jane applies for a premium credit card from XYZ fintech.

XYZ fintech reviewed Jane’s application and decided to issue her a new credit card. In this cookbook, we will see how XYZ fintech issues a new credit card to Jane.

Create an application for Jane against the applicable spool. For details about spool, see Application workflow.

POST{fusion_base_url}/api/v1/ifi/{ifiId}/spool/{spoolID}/application
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curl --location --request POST 'https://fusion.preprod.zeta.in/api/v1/ifi/140793/spool/22cf9f92-1866-4160-94ab-2e95f1b0dcad/application' --http1.1 --header 'Content-Type: application/json' --header 'x-zeta-authToken: {{authToken}}' --data-raw '{
   "requestId": "request_cah_sbm-192345910",
   "sections": {
       "personal": {
           "name": "personal",
           "type": "money2020AccountHolder",
           "details": {
               "personalDetails": {
                   "firstName": "Jane",
                   "middleName": "Mary",
                   "lastName": "Hilton",
                   "suffix": "JR",
                   "dateOfBirth": "1998-02-28",
                   "mothersMaidenName": "xyz",
                   "mobileNumber": "+18979081103",
                   "emailId": "[email protected]"
               }
           }
       },
       "ovd": {
           "name": "ovd",
           "type": "money2020AccountHolder",
           "details": {
               "ovdDetails": {
                   "type":"SSN",
                   "value": "908455108"
               }
           }
       },
       "address": {
           "name": "address",
           "type": "money2020AccountHolder",
           "details": {
               "addressDetails": {
                   "type": "home",
                   "street": "xyz",
                   "suite/apt/other": "ABC",
                   "zipCode": "11533",
                   "city": "NewYork",
                   "state": "NewYork"
               }
           }
       },
       "otherDemographicDetails": {
           "name": "otherDemographicDetails",
           "type": "money2020AccountHolder",
           "details": {
               "otherDemographicDetails": {
                   "typeOfResidence": "Own",
                   "monthlyHousingPayment": "$1000",
                   "totalGrossAnnualIncome": "$100000",
                   "primarySourceOfIncome": "Employed"
               }
           }
       }

}
}
'

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{
  "applicationId": "c6428a78-e76f-48d4-a832-e291effd2a9d",
  "spoolId": "22cf9f92-1866-4160-94ab-2e95f1b0dcad",
  "ifiId": 140793,
  "requestId": "request_cah_sbm-192345910",
  "status": "DATA_CAPTURE_INITIATED",
  "sections": {
    "address": {
      "sectionId": "5cd1cdf8-5bad-4ee2-a6ee-8aa16cc76321",
      "ifiId": 140793,
      "spoolId": "22cf9f92-1866-4160-94ab-2e95f1b0dcad",
      "applicationId": "c6428a78-e76f-48d4-a832-e291effd2a9d",
      "name": "address",
      "type": "money2020AccountHolder",
      "details": {
        "addressDetails": {
          "city": "NewYork",
          "type": "home",
          "state": "NewYork",
          "street": "xyz",
          "zipCode": "11533",
          "suite/apt/other": "ABC"
        }
      },
      "createdAt": "2021-10-21T17:16:41.566+05:30",
      "updatedAt": "2021-10-21T17:16:41.566+05:30"
    },
    "otherDemographicDetails": {
      "sectionId": "8a0abe32-176d-4ac2-b82c-02826abc9a4b",
      "ifiId": 140793,
      "spoolId": "22cf9f92-1866-4160-94ab-2e95f1b0dcad",
      "applicationId": "c6428a78-e76f-48d4-a832-e291effd2a9d",
      "name": "otherDemographicDetails",
      "type": "money2020AccountHolder",
      "details": {
        "otherDemographicDetails": {
          "typeOfResidence": "Own",
          "monthlyHousingPayment": "$1000",
          "primarySourceOfIncome": "Employed",
          "totalGrossAnnualIncome": "$100000"
        }
      },
      "createdAt": "2021-10-21T17:16:41.566+05:30",
      "updatedAt": "2021-10-21T17:16:41.566+05:30"
    },
    "personal": {
      "sectionId": "1aa24197-2118-44b9-a27d-88f17a6a39fc",
      "ifiId": 140793,
      "spoolId": "22cf9f92-1866-4160-94ab-2e95f1b0dcad",
      "applicationId": "c6428a78-e76f-48d4-a832-e291effd2a9d",
      "name": "personal",
      "type": "money2020AccountHolder",
      "details": {
        "personalDetails": {
          "suffix": "JR",
          "emailId": "[email protected]",
          "lastName": "lance",
          "firstName": "mark",
          "middleName": "boucher",
          "dateOfBirth": "1998-02-28",
          "mobileNumber": "+18979081103",
          "mothersMaidenName": "xyz"
        }
      },
      "createdAt": "2021-10-21T17:16:41.566+05:30",
      "updatedAt": "2021-10-21T17:16:41.566+05:30"
    },
    "ovd": {
      "sectionId": "9c8b9186-9a14-4a50-a5e7-cd1888c1f487",
      "ifiId": 140793,
      "spoolId": "22cf9f92-1866-4160-94ab-2e95f1b0dcad",
      "applicationId": "c6428a78-e76f-48d4-a832-e291effd2a9d",
      "name": "ovd",
      "type": "money2020AccountHolder",
      "details": {
        "ovdDetails": {
          "type": "SSN",
          "value": "908455108"
        }
      },
      "createdAt": "2021-10-21T17:16:41.566+05:30",
      "updatedAt": "2021-10-21T17:16:41.566+05:30"
    }
  },
  "vectors": [],
  "stages": [
    {
      "stageId": "eb84d3c6-7fb9-49cd-8c20-c42d33355394",
      "ifiId": 140793,
      "applicationId": "c6428a78-e76f-48d4-a832-e291effd2a9d",
      "spoolId": "22cf9f92-1866-4160-94ab-2e95f1b0dcad",
      "name": "ASSESSMENT",
      "status": "NOT_INITIATED",
      "details": {},
      "result": {},
      "createdAt": "2021-10-21T17:16:41.566+05:30",
      "updatedAt": "2021-10-21T17:16:41.566+05:30"
    },
    {
      "stageId": "c25b5178-4657-46fa-a678-72cdfb6097db",
      "ifiId": 140793,
      "applicationId": "c6428a78-e76f-48d4-a832-e291effd2a9d",
      "spoolId": "22cf9f92-1866-4160-94ab-2e95f1b0dcad",
      "name": "DATA_CAPTURE",
      "status": "INITIATED",
      "details": {},
      "result": {
        "validationPassed": {
          "validation": "successful"
        }
      },
      "createdAt": "2021-10-21T17:16:41.566+05:30",
      "updatedAt": "2021-10-21T17:16:41.709+05:30"
    },
    {
      "stageId": "a316483d-a07c-4ad2-91d0-7ee4ddeb022a",
      "ifiId": 140793,
      "applicationId": "c6428a78-e76f-48d4-a832-e291effd2a9d",
      "spoolId": "22cf9f92-1866-4160-94ab-2e95f1b0dcad",
      "name": "ENRICHMENT",
      "status": "NOT_INITIATED",
      "details": {},
      "result": {},
      "createdAt": "2021-10-21T17:16:41.566+05:30",
      "updatedAt": "2021-10-21T17:16:41.566+05:30"
    },
    {
      "stageId": "7c58a298-a0f3-4990-adef-5ed4e4c75083",
      "ifiId": 140793,
      "applicationId": "c6428a78-e76f-48d4-a832-e291effd2a9d",
      "spoolId": "22cf9f92-1866-4160-94ab-2e95f1b0dcad",
      "name": "PROVISIONING",
      "status": "NOT_INITIATED",
      "details": {},
      "result": {},
      "createdAt": "2021-10-21T17:16:41.566+05:30",
      "updatedAt": "2021-10-21T17:16:41.566+05:30"
    },
    {
      "stageId": "d81cd89e-43e3-46e4-af9c-365e022e690a",
      "ifiId": 140793,
      "applicationId": "c6428a78-e76f-48d4-a832-e291effd2a9d",
      "spoolId": "22cf9f92-1866-4160-94ab-2e95f1b0dcad",
      "name": "REVIEW",
      "status": "NOT_INITIATED",
      "details": {},
      "result": {},
      "createdAt": "2021-10-21T17:16:41.566+05:30",
      "updatedAt": "2021-10-21T17:16:41.566+05:30"
    }
  ],
  "tags": [
    {
      "type": "spool-id",
      "value": "22cf9f92-1866-4160-94ab-2e95f1b0dcad",
      "attributes": {}
    },
    {
      "type": "vbo-id",
      "value": "cb96715c-bd00-466f-b742-5f36f2621e81",
      "attributes": {}
    }
  ],
  "createdAt": "2021-10-21T17:16:41.566+05:30",
  "updatedAt": "2021-10-21T17:16:41.723+05:30"
}
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XYZ fintech reviews Jane’s application as per the workflow defined for the attached spool. Once it is approved, the application needs to be moved to the Complete stage.

POST{fusion_base_url}/api/v1/ifi/{ifiId}/spool/{spoolID}/application/{applicationID}/stage/{stage}/complete
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  curl --location --request POST 'https://fusion.preprod.zeta.in/api/v1/ifi/140793/spool/22cf9f92-1866-4160-94ab-2e95f1b0dcad/application/c6428a78-e76f-48d4-a832-e291effd2a9d/stage/DATA_CAPTURE/complete' --http1.1 --header 'Content-Type: application/json' --header 'X-Zeta-AuthToken: {{authToken}}' --data-raw ''
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{
  "applicationId": "c6428a78-e76f-48d4-a832-e291effd2a9d",
  "spoolId": "22cf9f92-1866-4160-94ab-2e95f1b0dcad",
  "ifiId": 140793,
  "requestId": "request_cah_sbm-192345910",
  "status": "ENRICHMENT_INITIATED",
  "sections": {
    "address": {
      "sectionId": "5cd1cdf8-5bad-4ee2-a6ee-8aa16cc76321",
      "ifiId": 140793,
      "spoolId": "22cf9f92-1866-4160-94ab-2e95f1b0dcad",
      "applicationId": "c6428a78-e76f-48d4-a832-e291effd2a9d",
      "name": "address",
      "type": "money2020AccountHolder",
      "details": {
        "addressDetails": {
          "city": "NewYork",
          "type": "home",
          "state": "NewYork",
          "street": "xyz",
          "zipCode": "11533",
          "suite/apt/other": "ABC"
        }
      },
      "createdAt": "2021-10-21T17:16:41.566+05:30",
      "updatedAt": "2021-10-21T17:16:41.566+05:30"
    },
    "otherDemographicDetails": {
      "sectionId": "8a0abe32-176d-4ac2-b82c-02826abc9a4b",
      "ifiId": 140793,
      "spoolId": "22cf9f92-1866-4160-94ab-2e95f1b0dcad",
      "applicationId": "c6428a78-e76f-48d4-a832-e291effd2a9d",
      "name": "otherDemographicDetails",
      "type": "money2020AccountHolder",
      "details": {
        "otherDemographicDetails": {
          "typeOfResidence": "Own",
          "monthlyHousingPayment": "$1000",
          "primarySourceOfIncome": "Employed",
          "totalGrossAnnualIncome": "$100000"
        }
      },
      "createdAt": "2021-10-21T17:16:41.566+05:30",
      "updatedAt": "2021-10-21T17:16:41.566+05:30"
    },
    "personal": {
      "sectionId": "1aa24197-2118-44b9-a27d-88f17a6a39fc",
      "ifiId": 140793,
      "spoolId": "22cf9f92-1866-4160-94ab-2e95f1b0dcad",
      "applicationId": "c6428a78-e76f-48d4-a832-e291effd2a9d",
      "name": "personal",
      "type": "money2020AccountHolder",
      "details": {
        "personalDetails": {
          "suffix": "JR",
          "emailId": "[email protected]",
          "lastName": "Hilton",
          "firstName": "Jane",
          "middleName": "Mary",
          "dateOfBirth": "1998-02-28",
          "mobileNumber": "+18979081103",
          "mothersMaidenName": "xyz"
        }
      },
      "createdAt": "2021-10-21T17:16:41.566+05:30",
      "updatedAt": "2021-10-21T17:16:41.566+05:30"
    },
    "ovd": {
      "sectionId": "9c8b9186-9a14-4a50-a5e7-cd1888c1f487",
      "ifiId": 140793,
      "spoolId": "22cf9f92-1866-4160-94ab-2e95f1b0dcad",
      "applicationId": "c6428a78-e76f-48d4-a832-e291effd2a9d",
      "name": "ovd",
      "type": "money2020AccountHolder",
      "details": {
        "ovdDetails": {
          "type": "SSN",
          "value": "908455108"
        }
      },
      "createdAt": "2021-10-21T17:16:41.566+05:30",
      "updatedAt": "2021-10-21T17:16:41.566+05:30"
    }
  },
  "vectors": [],
  "stages": [
    {
      "stageId": "eb84d3c6-7fb9-49cd-8c20-c42d33355394",
      "ifiId": 140793,
      "applicationId": "c6428a78-e76f-48d4-a832-e291effd2a9d",
      "spoolId": "22cf9f92-1866-4160-94ab-2e95f1b0dcad",
      "name": "ASSESSMENT",
      "status": "NOT_INITIATED",
      "details": {},
      "result": {},
      "createdAt": "2021-10-21T17:16:41.566+05:30",
      "updatedAt": "2021-10-21T17:16:41.566+05:30"
    },
    {
      "stageId": "c25b5178-4657-46fa-a678-72cdfb6097db",
      "ifiId": 140793,
      "applicationId": "c6428a78-e76f-48d4-a832-e291effd2a9d",
      "spoolId": "22cf9f92-1866-4160-94ab-2e95f1b0dcad",
      "name": "DATA_CAPTURE",
      "status": "COMPLETED",
      "details": {},
      "result": {
        "validationPassed": {
          "validation": "successful"
        }
      },
      "createdAt": "2021-10-21T17:16:41.566+05:30",
      "updatedAt": "2021-10-21T17:19:07.837+05:30"
    },
    {
      "stageId": "a316483d-a07c-4ad2-91d0-7ee4ddeb022a",
      "ifiId": 140793,
      "applicationId": "c6428a78-e76f-48d4-a832-e291effd2a9d",
      "spoolId": "22cf9f92-1866-4160-94ab-2e95f1b0dcad",
      "name": "ENRICHMENT",
      "status": "INITIATED",
      "details": {},
      "result": {},
      "createdAt": "2021-10-21T17:16:41.566+05:30",
      "updatedAt": "2021-10-21T17:19:07.858+05:30"
    },
    {
      "stageId": "7c58a298-a0f3-4990-adef-5ed4e4c75083",
      "ifiId": 140793,
      "applicationId": "c6428a78-e76f-48d4-a832-e291effd2a9d",
      "spoolId": "22cf9f92-1866-4160-94ab-2e95f1b0dcad",
      "name": "PROVISIONING",
      "status": "NOT_INITIATED",
      "details": {},
      "result": {},
      "createdAt": "2021-10-21T17:16:41.566+05:30",
      "updatedAt": "2021-10-21T17:16:41.566+05:30"
    },
    {
      "stageId": "d81cd89e-43e3-46e4-af9c-365e022e690a",
      "ifiId": 140793,
      "applicationId": "c6428a78-e76f-48d4-a832-e291effd2a9d",
      "spoolId": "22cf9f92-1866-4160-94ab-2e95f1b0dcad",
      "name": "REVIEW",
      "status": "NOT_INITIATED",
      "details": {},
      "result": {},
      "createdAt": "2021-10-21T17:16:41.566+05:30",
      "updatedAt": "2021-10-21T17:16:41.566+05:30"
    }
  ],
  "tags": [
    {
      "type": "spool-id",
      "value": "22cf9f92-1866-4160-94ab-2e95f1b0dcad",
      "attributes": {}
    },
    {
      "type": "vbo-id",
      "value": "cb96715c-bd00-466f-b742-5f36f2621e81",
      "attributes": {}
    }
  ],
  "createdAt": "2021-10-21T17:16:41.566+05:30",
  "updatedAt": "2021-10-21T17:19:07.874+05:30"
}
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The final step of the process is to issue the bundle. As part of the bundle issuance, the system generates the account number and a new card number for Jane.

POST/api/v1/ifi/{ifiID}/bundles/{bundleID}/issueBundle
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curl --location --request POST 'https://fusion.preprod.zeta.in/api/v2/ifi/140793/bundles/d62fd289-0663-454f-80d3-c122390b827d/issueBundle' --http1.1 --header 'Content-Type: application/json' --header 'X-Zeta-Authtoken: {{authToken}}' --data-raw '{
  "accountHolderID": "eb5bcebf-1b32-490d-9a1a-b74a1425a06d",
  "name": "Puxor Credit Card Bundle",
  "productConfig": {
    "accountProductConfigs": [
      {
        "payload": {
          "creditLimit": 20000,
          "sanctionedLimit": 10000,
          "statementPreferences": {
            "cycleID": "5808039957060771000",
            "cycleCode": 1234567890,
            "dispatchModes": [
              "EMAIL"
            ]
          },
          "attributes": {
            "currency": "USD"
          }
        }
      }
    ]
  }
}'
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{
  "requestID": "d1ded1a8-dab5-472c-9345-77a3e6ff482f",
  "accounts": [
    {
      "bundleID": "d62fd289-0663-454f-80d3-c122390b827d",
      "accountHolderID": "eb5bcebf-1b32-490d-9a1a-b74a1425a06d",
      "accountID": "1817f857-cbf2-46d6-b709-cebd38ce6789"
    }
  ],
  "paymentInstruments": [
    {
      "bundleID": "d62fd289-0663-454f-80d3-c122390b827d",
      "resourceID": "3031e298-1dc5-4204-b01c-324179c52946",
      "walletInfoList": [
        {
          "walletId": "bf4e7664-6591-4bc2-9116-d0a659557dda"
        }
      ],
      "targetAccount": "paymentAccount://32a11e1e-01a8-43b3-a826-f3a5c58a95fa"
    }
  ]
}
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