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Comment: use CDR Arrangement ID

After a certain period, some consumers may prefer to revoke the consents they granted the Data Recipients to access account data. In WSO2 Open Banking, you can manage and revoke these consents/sharing arrangements as follows:

Table of Contents

...

Tip
titleBefore you begin:

Configure the Consent Management application to try out the Consent Manager Portal.

Expand
titleClick here to see how to configure Consent Management application

WSO2 Open Banking solution includes consent revocation apps that support bank customers (PSUs) and banks (ASPSPs) to revoke consents/sharing arrangements. The consent revocation app provided to PSU is known as Self-care portal and the consent revocation app provided to ASPSP is known as Customer Care portal. 

In order to manage the consents granted to a Third-Party Provider using the Self-care portal,  do the following configurations. 

Multiexcerpt
MultiExcerptNameConfiguringConsentManagementApplication
  1. Go to the Identity and Access Management Console at https://<WSO2_OB_IAM_HOST>:9446/carbon.
  2. On the Main tab, click Home > Identity > Service Providers > Add.
  3. By default, the mode is set to Manual Configuration. Leave it as it is.
  4. Enter consentmgt as the Service Provider’s name. 
  5. Click Register.
  6. Click Inbound Authentication configuration > OAuth/OpenID Connect configuration > Configure.

  7. Set the values for the following parameters and keep the default value for the other parameters.

    ParameterValue
    OAuth Version2.0
    Allowed Grant Type

    code

    Callback URL

    The first and second URLs are respectively; redirect and logout URLs.

    Regex-based consumer URLs are supported when defining the callback URL. This enables you to configure multiple callback URLs for one application by entering a regex pattern as the value for the callback URL field.

    You must have the prefix regexp= before your regex pattern. To define a normal URL, you can specify the callback URL without this prefix.

  8. Click Add.

    The OAuth client key/client ID and OAuth client secret are generated. Those are used in the section.

  9. Open the < WSO2_OB_IAM_HOME>/repository/deployment/server/jaggeryapps/consentmgt/configs/conf.json  file and modify the following parameters:

    ParameterDescription

    apimHost

    		Hostname of the API Management server

    applicationId

    		OAuth Client Key generated in the above step
    authCredential

    Base64 encoded CLIENT_ID:CLIENT_SECRET value (in the given format). 

    For example, 

    Values to encodeBase64 encoded value

    Y2VuZFhvTTJ5U0RtMndQU1FXdGxSejMzTjdFYTpJMjZlN3kxODlUbnQ0czkybmh3NFV4NUhxaDBh

    redirectUrl

    		The URL you are redirected to when you log in to the application.

    logoutUrl

    		The URL you are redirected to when you log out from the application.
    DeployedSpecificationPossible values are UK, BERLIN, AU, and STET. By default, the value is set to UK.

    ClientIDAndSecret

    Given below is a sample file for the Australian specification:



The WSO2 Open Banking Consent Manager portal also known as the Self-care portal, enables consumers to review and revoke the consents/sharing arrangements they provided to access account details. 

Let's take a look at how a consumer can revoke consenta sharing arrangement.

  1. Go to the Consent Manager portal at https://<WSO2_OB_IAM_HOST>:9446/consentmgt.

  2. Enter the username and password provided by the bank. Click Continue.

  3. In the Consent Manager portal's home page, you can view a list of consents/sharing arrangements you have granted access to account information.
    Consent Their status is displayed to the right of the selected consentCDR Arrangement ID. Available consent statuses are Rejected, Awaiting authorisation, Authorised, and Revoked.

  4. Select a consent CDR Arrangement ID to view its details. 

    A consumer can grant permissions to consentsthese sharing arrangements. 

    Expand
    titleClick here to see the available permissions.

    The table below defines the available permissions with the corresponding authorisation scope and the actual data the consent has access to.

    Permission nameAuthorisation scopeData
    Organisation profilecommon:customer.basic:read
    • Agent name and role
    • Organisation name
    • Organisation numbers (ABN or ACN)
    • Charity status
    • Establishment date
    • Industry
    • Organisation type
    • Country of registration
    Organisation contact detailscommon:customer.detail:read
    • Organisation address
    • Mail address
    • Phone number
    Organisation profile and contact detailscommon:customer.detail:read
    • Agent name and role
    • Organisation name
    • Organisation numbers (ABN or ACN)
    • Charity status
    • Establishment date
    • Industry
    • Organisation type
    • Country of registration
    • Organisation address
    • Mail address
    • Phone number
    Account name, type and balancebank:accounts.basic:read
    • Name of account
    • Type of account
    • Account balance
    Account numbers and featuresbank:accounts.detail:read
    • Account number
    • Interest rates
    • Fees
    • Discounts
    • Account terms
    • Account mail address
    Account balance and detailsbank:accounts.detail:read
    • Name of account
    • Type of account
    • Account balance
    • Account number
    • Interest rates
    • Fees
    • Discounts
    • Account terms
    • Account mail address
    Transaction detailsbank:transactions:read
    • Incoming and outgoing transactions
    • Amounts
    • Dates
    • Descriptions of transactions
    • Who you have sent money to and received money from; (For example, their name, BSB, account number)
    Direct debits and scheduled paymentsbank:regular_payments:read
    • Direct debits
    • Scheduled payments
    Saved payeesbank:payees:readNames and details of accounts you have saved (For example, their BSB and Account Number, BPay CRN and Biller code, or NPP PayID)

  5. If the consumer wants to stop the sharing arrangement with the consent with the Data Recipient, click Stop sharing.
      

  6. Optionally, you can enter a reason for the revocation.

    Tip

    Revocation reasons help you to find more information later. It is not mandatory to provide a reason for revocation.

  7. Click Revoke to confirm the revocation. 

  8. The status of the consent is CDR Arrangement ID is now changed to Revoked. You can still find the history of consents remaining in the list.  

...

Revoking consents by Customer Care Representatives

The WSO2 Open Banking Customer Care portal enables the Customer Care Representatives to revoke the consents on sharing arrangement on behalf of the consumers.

Tip
titleBefore you begin:
Create a user whose role is defined as a customer care officer. 


Expand
titleClick here to see how it is done...

  1. Sign in to the Identity and Access Management console (https://<WSO2_OB_IAM_HOST>:9446/carbon). Use the default super admin credentials:

    Username: admin@wso2.com

    Password: wso2123

    Note

    The above credentials are used for demo purposes only. It is recommended to change them in a production environment.

  2. On the Main  tab, click  Identity > Users and Roles > Add > Add New Role and create the following user:

    DomainRolePermissions

    Internal

    CustomerCareOfficer

    		No permissions required.

  3. On the  Main  tab, click  Identity > Users and Roles > Add > Add New User and create the following user:

    UserRoles
    ann@gold.comInternal/CustomerCareOfficer

  4. Click Finish.

...

Let's take a look at how a Customer Care Representative can revoke a consentsharing arrangement.

  1. Sign in to the Customer Care Portal (https://<WSO2_OB_IAM_HOST>:9446/ccportal) using the username and password of a user with the Customer Care role. See Configuring Users and Roles, for more information on user roles.

    Multiexcerpt
    MultiExcerptNametroubleshootingForCustomerCarePortal
    Troubleshooting

    If you get hostname verification errors when accessing the Customer Care portal, add the following to the <WSO2_OB_IAM_HOME>/bin/wso2server.sh file and restart.

    • Dhttpclient.hostnameVerifier="DefaultAndLocalhost" \
    • Dorg.wso2.ignoreHostnameVerification=true \
  2. You can filter and search for consentsCDR Arrangement IDs.

    Filter based on the following parameters:

    • User ID: The user ID created for the consumer in the online banking application. 

    • Application: The Data Recipient applications authorised for the Data Holder are listed here. You can select the application the consumer has given consent to.

    • Status: Select the status of the consentsharing arrangement. Possible values are: Rejected, Awaiting Authorisation, Authorised, and Revoked. 

    • Set Date Range: The date range in which the consent is CDR Arrangement ID is valid.

      Tip

      You can use one or more filter options and proceed to search.

  3. Click Search.

  4. A list of search results is displayed, as shown below. You can view the consent information sharing arrangement information by clicking the consentCDR Arrangement ID.

  5. Click the consent you CDR Arrangement ID that you want to revoke and view the consent its details. 

  6. Click Revoke.

  7. Optionally, you are asked to enter a reason for the revocation.

    Tip

    Revocation reasons will help you to find more information later. It is not mandatory to provide a reason for revocation.


  8. Click Revoke to confirm the revocation.