Open banking introduction

What is Open Banking?

Solaris has partnered with tell.money to deliver our Open Banking solution.

Solaris has developed 2 options to support a client’s Open Banking integration

Option 1 - Solaris Managed Authentication

As part of the authorisation process, tell.money will be handing-off the Payment Service User (PSU) to Solaris, Solaris will then collect and validate the username and password of the PSU.

Solaris will develop the Authorize page to identify the PSU by providing their username/password with SCA (Strong Customer Authentication). This will be used by tell.money to authorize PSU.

As Solaris does not hold the username and password of your customer, Solaris needs to pass this information, to you, in a secure manner. You will then need to validate the details and send a response back to Solaris for us to authorize the PSU. To support this process Solaris has developed the following APIs:

  1. VerifyConsumerCredential.
  2. OTPWebhook to receive OTP if required by Client.
  3. BlockConsumerLogin.

Option 2 - Client Managed Authentication

tell.money will hand-off the PSU to the client, the client will collect and validate the user details, including second factor authentication. The client will then exchange security tokens with Solaris to complete the registration.

As Solaris does not hold the login details for your customer, these options are necessary to gather the PSU consent for Open Banking.

Callback URL: https://tokenob.contis.com/CallBack/VerificationToken

Request Query parameters are as below:

Login Factors

The first and second factors (SCAOptionID1FA and SCAOptionID2FA respectively) must use different login factor options.

  • bank_id : Unique bank id generated for each client while onboarding
  • request_id : Unique request id received from tell.money, Solaris will pass this to clients on their landing page.
  • request_token : Solaris will pass unique token to clients on their landing page
  • token : Encrypted token generated by Client using Solaris Public key
  • SCAOptionID1FA : Option for first factor of login.
  • SCAOptionID2FA : Option for second factor of login.

Login Factor Options

  • Device Binding (Possession)
  • Face (Inherence)
  • Finger (Inherence)
  • OTP (Possession)
  • mPIN (Knowledge)
  • Password (Knowledge)
  • Other Knowledge Item
  • Other Possession Item
  • Other Inherence Item
Solaris is the brand name for the regulated entities Contis Financial Services Ltd and UAB „Finansinės paslaugos „Contis“, which are part of the Solaris Group.