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Submission Process

The transfer is submitted by attaching an API user certificate and two consent IDs. Steps:

  1. Prepare the transaction
  2. Attach the certificate (CERT) to the transaction
  3. Attach 2 consent IDs to the transaction
  4. Send the transaction + CERT + consent IDs to the Bank
  5. The bank validates the CERT and consent
  6. If valid, it starts processing the transaction

The transaction is signed with 2 consent IDs placed in the consentList.

Good to know

The 2 consent IDs must belong to either 2 joint signatories or 1 sole signatory. In the latter case, the two consent IDs must be identical, even if the signatory has two or more valid consents at the same time.

For example: Let 3 signatories be registered at the bank as follows:

  • sole signatory: user 80000003
  • joint signatories: users 80000001 and 80000002 Create consents and assume the system assigns the following consent IDs to the signatories:
  • signatory: 80000003 -> consent-ID: 101
  • signatory: 80000001 -> consent-ID: 201
  • signatory: 80000002 -> consent-ID: 202 As a sole signatory, the correct consentList in the message is: ["101","101"], As joint signatories, the correct consentList in the message is: ["201","202"] As a counter-example, the ["101","201"] consentList will be incorrect.
Process diagram