Get Products V2

This page documents the obsolete version 2 of the Get Products end point.

Get Products

Code samples

GET https://data.holder.com.au/cds-au/v1/banking/products HTTP/1.1
Host: data.holder.com.au
Accept: application/json
x-v: string
x-min-v: string

var headers = {
  'Accept':'application/json',
  'x-v':'string',
  'x-min-v':'string'

};

$.ajax({
  url: 'https://data.holder.com.au/cds-au/v1/banking/products',
  method: 'get',

  headers: headers,
  success: function(data) {
    console.log(JSON.stringify(data));
  }
})

GET /banking/products

Obtain a list of products that are currently openly offered to the market

Note that the results returned by this end point are expected to be ordered according to updated-since

Conventions

In the product reference payloads there are a number of recurring conventions that are explained here, in one place.

Arrays Of Features

In the product detail payload there are a number of arrays articulating generic features, constraints, prices, etc. The intent of these arrays is as follows:

Each element in an array has the same structure so that clients can reliably interpret the payloads
Each element as a type element that is an enumeration of the specific aspect of a product being described, such as types of fees.
Each element has a field name additionalValue. This is a generic field with contents that will vary based on the type of object being described. The contents of this field for the ADDITIONAL_CARDS feature is the number of cards allowed while the contents of this field for the MAX_LIMIT constraint would be the maximum credit limit allowed for the product.
An element in these arrays of the same type may appear more than once. For instance, a product may offer two separate loyalty programs that the customer can select from. A fixed term mortgage may have different rates for different term lengths.
An element in these arrays may contain an additionalInfo and additionalInfoUri field. The additionalInfo field is used to provide displayable text clarifying the purpose of the element in some way when the product is presented to a customer. The additionalInfoUri provides a link to externally hosted information specifically relevant to that feature of the product.
Depending on the type of data being represented there may be additional specific fields.

URIs To More Information

As the complexities and nuances of a financial product can not easily be fully expressed in a data structure without a high degree of complexity it is necessary to provide additional reference information that a potential customer can access so that they are fully informed of the features and implications of the product. The payloads for product reference therefore contain numerous fields that are provided to allow the product holder to describe the product more fully using a web page hosted on their online channels.

These URIs do not need to all link to different pages. If desired, they can all link to a single hosted page and use difference HTML anchors to focus on a specific topic such as eligibility or fees.

Linkage To Accounts

From the moment that a customer applies for a product and an account is created the account and the product that spawned it will diverge. Rates and features of the product may change and a discount may be negotiated for the account.

For this reason, while productCategory is a common field between accounts and products, there is no specific ID that can be used to link an account to a product within the regime.

Similarly, many of the fields and objects in the product payload will appear in the account detail payload but the structures and semantics are not identical as one refers to a product that can potentially be originated and one refers to an account that actual has been instantiated and created along with the associated decisions inherent in that process.

Dates

It is expected that data consumers needing this data will call relatively frequently to ensure the data they have is representative of the current offering from a bank. To minimise the volume and frequency of these calls the ability to set a lastUpdated field with the date and time of the last update to this product is included. A call for a list of products can then be filtered to only return products that have been updated since the last time that data was obtained using the updated-since query parameter.

In addition, the concept of effective date and time has also been included. This allows for a product to be marked for obsolescence, or introduction, from a certain time without the need for an update to show that a product has been changed. The inclusion of these dates also removes the need to represent deleted products in the payload. Products that are no long offered can be marked not effective for a few weeks before they are then removed from the product set as an option entirely.

NOTE: This version must be implemented by July 2020

Obsolete versions: v1

Endpoint Version


Version	2

Parameters

Name	In	Type	Required	Description
effective	query	string	optional	Allows for the filtering of products based on whether the current time is within the period of time defined as effective by the effectiveFrom and effectiveTo fields. Valid values are ‘CURRENT’, ‘FUTURE’ and ‘ALL’. If absent defaults to 'CURRENT'
updated-since	query	DateTimeString	optional	Only include products that have been updated after the specified date and time. If absent defaults to include all products
brand	query	string	optional	Filter results based on a specific brand
product-category	query	string	optional	Used to filter results on the productCategory field applicable to accounts. Any one of the valid values for this field can be supplied. If absent then all accounts returned.
page	query	PositiveInteger	optional	Page of results to request (standard pagination)
page-size	query	PositiveInteger	optional	Page size to request. Default is 25 (standard pagination)
x-v	header	string	mandatory	Version of the API end point requested by the client. Must be set to a positive integer. The data holder should respond with the highest supported version between x-min-v and x-v. If the value of x-min-v is equal to or higher than the value of x-v then the x-min-v header should be treated as absent. If all versions requested are not supported then the data holder should respond with a 406 Not Acceptable. See HTTP Headers
x-min-v	header	string	optional	Minimum version of the API end point requested by the client. Must be set to a positive integer if provided. The data holder should respond with the highest supported version between x-min-v and x-v. If all versions requested are not supported then the data holder should respond with a 406 Not Acceptable.

Enumerated Values

Parameter	Value
effective	CURRENT
effective	FUTURE
effective	ALL
product-category	TRANS_AND_SAVINGS_ACCOUNTS
product-category	TERM_DEPOSITS
product-category	TRAVEL_CARDS
product-category	REGULATED_TRUST_ACCOUNTS
product-category	RESIDENTIAL_MORTGAGES
product-category	CRED_AND_CHRG_CARDS
product-category	PERS_LOANS
product-category	MARGIN_LOANS
product-category	LEASES
product-category	TRADE_FINANCE
product-category	OVERDRAFTS
product-category	BUSINESS_LOANS

Example responses

200 Response

{
  "data": {
    "products": [
      {
        "productId": "string",
        "effectiveFrom": "string",
        "effectiveTo": "string",
        "lastUpdated": "string",
        "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
        "name": "string",
        "description": "string",
        "brand": "string",
        "brandName": "string",
        "applicationUri": "string",
        "isTailored": true,
        "additionalInformation": {
          "overviewUri": "string",
          "termsUri": "string",
          "eligibilityUri": "string",
          "feesAndPricingUri": "string",
          "bundleUri": "string"
        },
        "cardArt": [
          {
            "title": "string",
            "imageUri": "string"
          }
        ]
      }
    ]
  },
  "links": {
    "self": "string",
    "first": "string",
    "prev": "string",
    "next": "string",
    "last": "string"
  },
  "meta": {
    "totalRecords": 0,
    "totalPages": 0
  }
}

Responses

Status	Meaning	Description	Schema
200	OK	Success	ResponseBankingProductList

Response Headers

Status	Header	Type	Format	Description
200	x-v	string		The version of the API end point that the data holder has responded with.