openapi: 3.2.0 info: title: Open Finance Reports API description: 'OpenAPI specification for Finicity APIs. Open Finance (formerly Open Banking) solutions in the US are provided by Finicity, a Mastercard company.' contact: name: API Support email: apisupport@mastercard.com url: https://developer.mastercard.com/open-finance-us/documentation/support/ version: 1.43.0 servers: - url: https://api.finicity.com description: Production security: - FinicityAppKey: [] FinicityAppToken: [] tags: - name: Reports description: Fetch generated reports when ready paths: /decisioning/v1/reports/{reportId}/partners: post: tags: - Reports summary: Report Reissue description: ' Report Reissue is a billable service that enables authorized third parties - such as investors, mortgage insurers, QC agencies, and loan management systems - to securely access an existing CRA report originally generated by another Mastercard partner. To retrieve a report, the requesting partner must provide the report ID which should be obtained from the partner who originally generated the report and the permissible purpose code which should match the original purpose the report was generated for. Note: This is not required today but will be changed to be required by April 30, 2026. Report data can either be retrieved as a JSON document or a PDF file. To specify the format required, set the Accept request header to either application/json or application/pdf. If neither is set, the report format will be returned as a JSON document. _Supported regions_: ![🇺🇸](https://flagcdn.com/20x15/us.png)' operationId: ReportReissue parameters: - $ref: '#/components/parameters/ReportIdParameter' requestBody: $ref: '#/components/requestBodies/LenderRequest' responses: '200': $ref: '#/components/responses/GetReportResponse' '400': $ref: '#/components/responses/BadRequestErrorResponse' '401': $ref: '#/components/responses/UnauthorizedErrorResponse' '403': $ref: '#/components/responses/SecurityFreezeErrorResponse' '404': $ref: '#/components/responses/ResourceNotFoundErrorResponse' /decisioning/v3/reports/{reportId}: get: tags: - Reports summary: Get Report by Report ID description: "Get a report that has been generated by a previous call to one of the\n Generate Report services.\n\n\n The report's `status` field contains \"inProgress\", \"failure\", or\n \"success\". If the status shows \"inProgress\", the client app should wait\n 20 seconds and then call this API again.\n\n\n Report data can either be retrieved as a JSON document or a PDF\n file. To specify the format required, set the _Accept request header_\n to either **application/json** or **application/pdf**. If neither is\n set, the report format will be returned as a JSON document.\n\n\n _Supported regions_: ![\U0001F1FA\U0001F1F8](https://flagcdn.com/20x15/us.png)" operationId: GetReportById parameters: - $ref: '#/components/parameters/ReportIdParameter' - $ref: '#/components/parameters/OnBehalfOfParameter' - $ref: '#/components/parameters/PurposeParameter' requestBody: $ref: '#/components/requestBodies/LenderRequest' responses: '200': $ref: '#/components/responses/GetReportWithFirstThirdPartyResponse' '400': $ref: '#/components/responses/BadRequestErrorResponse' '401': $ref: '#/components/responses/UnauthorizedErrorResponse' '403': $ref: '#/components/responses/SecurityFreezeErrorResponse' '404': $ref: '#/components/responses/ResourceNotFoundErrorResponse' /decisioning/v3/customers/{customerId}/reports/{reportId}: get: tags: - Reports summary: Get Report by Customer description: 'Get a report that has been generated by a previous call to one of the Generate Report services. The report''s `status` field contains "inProgress", "failure", or "success". If the status shows "inProgress", the client app should wait 20 seconds and then call this API again. Report data can either be retrieved as a JSON document or a PDF file. To specify the format required, set the _Accept request header_ to either **application/json** or **application/pdf**. If neither is set, the report format will be returned as a JSON document. _Supported regions_: ![🇺🇸](https://flagcdn.com/20x15/us.png)' operationId: GetReportByCustomer parameters: - $ref: '#/components/parameters/CustomerIdParameter' - $ref: '#/components/parameters/ReportIdParameter' - $ref: '#/components/parameters/OnBehalfOfParameter' - $ref: '#/components/parameters/PurposeParameter' responses: '200': $ref: '#/components/responses/GetReportResponse' '400': $ref: '#/components/responses/BadRequestErrorResponse' '401': $ref: '#/components/responses/UnauthorizedErrorResponse' '403': $ref: '#/components/responses/SecurityFreezeErrorResponse' '404': $ref: '#/components/responses/ResourceNotFoundErrorResponse' /decisioning/v3/consumers/{consumerId}/reports/{reportId}: post: tags: - Reports summary: Get Report by Consumer deprecated: true description: 'Get a report that has been generated by a previous call to one of the Generate Report services. The report''s `status` field contains "inProgress", "failure", or "success". If the status shows "inProgress", the client app should wait 20 seconds and then call this API again. Report data can either be retrieved as a JSON document or a PDF file. To specify the format required, set the _Accept request header_ to either **application/json** or **application/pdf**. If neither is set, the report format will be returned as a JSON document. _Supported regions_: ![🇺🇸](https://flagcdn.com/20x15/us.png)' operationId: GetReportByConsumer parameters: - $ref: '#/components/parameters/PurposeParameter' - $ref: '#/components/parameters/ConsumerIdParameter' - $ref: '#/components/parameters/ReportIdParameter' - $ref: '#/components/parameters/OnBehalfOfParameter' responses: '200': $ref: '#/components/responses/GetReportResponse' '400': $ref: '#/components/responses/BadRequestErrorResponse' '401': $ref: '#/components/responses/UnauthorizedErrorResponse' '403': $ref: '#/components/responses/SecurityFreezeErrorResponse' '404': $ref: '#/components/responses/ResourceNotFoundErrorResponse' /decisioning/reports/{reportId}: get: tags: - Reports summary: Get Report by Report ID description: 'Get a report that has been generated by a previous call to one of the Generate Report services. The report''s `status` field contains "inProgress", "failure", or "success". If the status shows "inProgress", the client app should wait 20 seconds and then call this API again. Report data can either be retrieved as a JSON document or a PDF file. To specify the format required, set the _Accept request header_ to either **application/json** or **application/pdf**. If neither is set, the report format will be returned as a JSON document. _Supported regions_: ![🇺🇸](https://flagcdn.com/20x15/us.png)' operationId: GetReportByReportId parameters: - $ref: '#/components/parameters/PurposeParameter' - $ref: '#/components/parameters/ReportIdParameter' - $ref: '#/components/parameters/OnBehalfOfParameter' responses: '200': $ref: '#/components/responses/GetReportResponse' '400': $ref: '#/components/responses/BadRequestErrorResponse' '401': $ref: '#/components/responses/UnauthorizedErrorResponse' '403': $ref: '#/components/responses/SecurityFreezeErrorResponse' '404': $ref: '#/components/responses/ResourceNotFoundErrorResponse' /decisioning/v1/customers/{customerId}/reports: get: tags: - Reports summary: Get List of Reports by Customer description: 'Get all reports that have been generated by previous calls to Generate Report services for the given customer. The `status` fields in the returned list contain "inProgress", "failure", or "success". If the status shows "inProgress", the client app should wait 20 seconds and then call this API again. _Supported regions_: ![🇺🇸](https://flagcdn.com/20x15/us.png)' operationId: GetReportsByCustomerId parameters: - $ref: '#/components/parameters/CustomerIdParameter' responses: '200': $ref: '#/components/responses/GetReportsResponse' '400': $ref: '#/components/responses/BadRequestErrorResponse' '401': $ref: '#/components/responses/UnauthorizedErrorResponse' '403': $ref: '#/components/responses/SecurityFreezeErrorResponse' '404': $ref: '#/components/responses/ResourceNotFoundErrorResponse' '429': $ref: '#/components/responses/TooManyRequestsErrorResponse' /decisioning/v1/consumers/{consumerId}/reports: get: tags: - Reports summary: Get List of Reports by Consumer description: 'Get all reports that have been generated by previous calls to Generate Report services for the given consumer. The `status` fields in the returned list contain "inProgress", "failure", or "success". If the status shows "inProgress", the client app should wait 20 seconds and then call this API again. _Supported regions_: ![🇺🇸](https://flagcdn.com/20x15/us.png)' operationId: GetReportsByConsumerId parameters: - $ref: '#/components/parameters/ConsumerIdParameter' responses: '200': $ref: '#/components/responses/GetReportsResponse' '400': $ref: '#/components/responses/BadRequestErrorResponse' '401': $ref: '#/components/responses/UnauthorizedErrorResponse' '403': $ref: '#/components/responses/SecurityFreezeErrorResponse' '404': $ref: '#/components/responses/ResourceNotFoundErrorResponse' '429': $ref: '#/components/responses/TooManyRequestsErrorResponse' /decisioning/v1/partners/{partnerId}/billing/reseller: get: tags: - Reports summary: Get Billing Summary for Partner operationId: getResellerBillingReport description: Use the Partner ID to fetch all reports generated by a partner. A partner can get their own reports and a reseller partner can get the reports for their customer’s partner account as long as the partner is set up with them as the reseller. parameters: - $ref: '#/components/parameters/PartnerIdParameter' - name: startDate in: query required: true description: The earliest date to be analyzed in this report. The range between startDate and endDate must be 31 days or less. schema: type: integer example: 1609459200 - name: endDate in: query required: true description: The latest date to be analyzed in this report schema: type: integer example: 1612137600 - name: size in: query required: false description: The size of the results returned per page. By default, this is 100 results per page and can be no more than 1000 results per page. schema: type: integer default: 100 maximum: 1000 example: 100 - name: page in: query required: false description: The page to be viewed. Zero based index. schema: type: integer default: 0 example: 0 - name: viewTestingReports in: query required: false description: Whether reports for testing customer types are included. If not passed, it is defaulted to only return reports for active customer types. schema: type: boolean default: false example: false responses: '200': $ref: '#/components/responses/GetBillingResellerReportResponse' '400': $ref: '#/components/responses/BadRequestErrorResponse' '401': $ref: '#/components/responses/UnauthorizedErrorResponse' '404': $ref: '#/components/responses/ResourceNotFoundErrorResponse' components: examples: PayStatementReportExample: summary: Pay Statement Report value: id: y0ejausptjg1-paystatement customerId: 1003413624 consumerId: 4089f408963dd6b90b28a935e9903c0e consumerSsn: '6789' consumerDetails: id: 3f7ff2cf0ffb3d0cd59875e070c9b1d4 firstName: John middleName: Doe lastName: Jane address: 123 Marple Street city: Anytown state: PA zip: '17101' phone: '5551234567' ssn: '1234' email: john.doe@example.com disputeStatement: Invalid data present. requesterName: Decisioning API endUser: name: ABC Apartments address: 123 Main St city: Murray state: UT zip: '84123' phone: 555-2106 email: customerservice@example.com url: example.com requestId: 8wy5htqg8u type: paystatement status: success createdDate: 1588350269 constraints: paystatementReport: assetIds: - 6f8fb0a0-e882-4f57-b672-cf53f1397581 extractEarnings: true extractDeductions: false extractDirectDeposit: true reportCustomFields: - label: loanID value: '12345' shown: true - label: trackingID value: '5555' shown: true - label: loanType value: car shown: false - label: vendorID value: 1613aa23 shown: true - label: vendorName value: PSC Finance shown: false customerType: active title: Mastercard Open Banking Pay Statement Extraction Report startDate: 1572625469 endDate: 1588350269 portfolioId: spd8aehuw63i-10-port reportStyle: paystatement numberOfBillableAssets: 1 assetIds: - 6f8fb0a0-e882-4f57-b672-cf53f1397581 payStatementTxVerifyDaoList: payPeriod: LastPayPeriod billable: true assetId: 6f8fb0a0-e882-4f57-b672-cf53f1397581 payDate: 1559241000 startDate: 1557513000 endDate: 1558722600 netPayCurrent: 1802.22 netPayYTD: 36000 grossPayCurrent: 24200 grossPayYTD: 72600 payrollProvider: Finicity employer: name: Rocket Surgery employee: name: Patrick Purchaser payStat: name: regular 1 type: regular description: regular income amountCurrent: 6000 amountYTD: 18000 deductions: - name: '401' description: 401k amountCurrent: 1744.61 amountYTD: 1744.6 type: 401 Deductions directDeposits: - financialInstitutionName: America First accountType: Checking amountCurrent: 1744.61 accountLastFour: XX34 description: Payroll MissingFieldExample: value: code: '10005' message: Missing parameter (partnerId) PaymentRiskInsightsBusinessReportFtcResponseExample: value: id: sd1j45yn37wr-pribftc customerType: active customerId: 1275320 requestId: 7a7qyps2iy requesterName: Decisioning API endUser: name: ABC Apartments address: 123 Main St city: Murray state: UT zip: '84123' phone: 1-801-443-7288 email: customerservice@abcapartments.com url: abcapartments.com title: Mastercard Open Banking Payment Risk Insights disputeStatement: Invalid data present. businessDetails: businessId: 123 name: Name1 address: addressLine1: 2020 State Street addressLine2: Suite 301 city: Salt Lake City state: Utah country: USA postalCode: 84116 constraints: analyticsReportData: forCraPurpose: false forFtcPurpose: true applicantIsPersonalGuarantor: false timeIntervalTypes: - HISTORICALLY type: pribftc status: success createdDate: 1579819592 reportRefreshNumber: 2 originalReportCreatedDate: 1607450357 startDate: 1512594823 endDate: 1575666823 days: 730 institutions: - id: '102105' name: FinBank Profiles urlHomeApp: http://www.finbank.com accounts: - id: '1111' ownerName: PATRICK & LORRAINE PURCHASER ownerAddress: 7195 BELMONT ST. PARLIN, NJ 08859 ownerAsOfDate: 1614880526 name: Checking number: XX1111 type: checking aggregationStatusCode: '0' currentBalance: 100000 availableBalance: 1000 balanceDate: 1614880526 transactions: - id: '00000001' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone - id: '00000002' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone analytics: - transactionalAttributes: - attributeName: CASH_OUTFLOW aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: CASH_INFLOW aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 5050 count: 100 mean: 50.5 median: 50.5 min: 1 max: 100 standardDeviation: 29.011491975882016 comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: - '10' - '72' - '78' - '16' - '25' - '67' - '27' - '15' - '36' - '75' - '88' - '57' - '51' - '30' - '66' - '87' - '61' - '6' - '82' - '48' - '40' projectedValues: [] streamIds: - e6dd352d-67d3-4a6c-a7a0-68f1e994bb22 streamConfidences: null - attributeName: INSURANCE_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: TAX_PAYMENTS aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: DISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NONDISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: RECURRING_EXPENSES aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: RECURRING_LOAN_PAYMENTS aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NSF_FEE_CHARGES aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null stateAttributes: - attributeName: MISSED_RECURRING_EXPENSES reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 0 count: 732 mean: 0 median: 0 min: 0 max: 0 standardDeviation: 0 comparedToCohorts: [] beginningValue: 0 endingValue: 0 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: MISSED_RECURRING_LOAN_PAYMENTS reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 0 count: 732 mean: 0 median: 0 min: 0 max: 0 standardDeviation: 0 comparedToCohorts: [] beginningValue: 0 endingValue: 0 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: PAYMENT_RISK_SCORE reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 19825 count: 732 mean: 27.083333333333332 median: 24 min: -1 max: 46 standardDeviation: 8.739575902668523 comparedToCohorts: [] beginningValue: -1 endingValue: 24 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: ASSET_BALANCE reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: -900726.9199999999 count: 732 mean: -1230.501256830601 median: -1192.56 min: -3804.56 max: 1234.44 standardDeviation: 1628.527991127309 comparedToCohorts: [] beginningValue: -3804.56 endingValue: 1234.44 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] streams: - id: e6dd352d-67d3-4a6c-a7a0-68f1e994bb22 payor: '0' payee: John Smith cadence: 7 status: inactive recency: 118 earliestObservedDate: '2022-09-18T00:00:00' latestObservedDate: '2024-09-13T00:00:00' count: 100 sum: 5050 min: 1 max: 100 mean: 50.5 median: 50.5 standardDeviation: 29.011491975882016 minimumCadence: 0 maximumCadence: 58 medianCadence: 4 modeCadence: 2 standardDeviationCadence: 9.261506907846133 transactionIds: - '0' - '1' - '10' - '11' - '12' - '13' - '14' - '15' - '16' - '17' - '18' - '19' - '2' - '20' - '21' - '22' - '23' - '24' - '25' - '26' - '27' - '28' - '29' - '3' - '30' - id: '2222' ownerName: PATRICK & LORRAINE PURCHASER ownerAddress: 7195 BELMONT ST. PARLIN, NJ 08859 ownerAsOfDate: 1614880526 name: Checking number: XX1111 type: checking aggregationStatusCode: '0' currentBalance: 100000 availableBalance: 1000 balanceDate: 1614880526 transactions: - id: '00000005' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone - id: '00000006' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone analytics: - transactionalAttributes: - attributeName: CASH_OUTFLOW aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: CASH_INFLOW aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 5050 count: 100 mean: 50.5 median: 50.5 min: 1 max: 100 standardDeviation: 29.011491975882016 comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: - '10' - '72' - '78' - '16' - '25' - '67' - '27' - '15' - '36' - '75' - '88' - '57' - '51' - '30' - '66' - '87' - '61' - '6' - '82' - '48' - '40' projectedValues: [] streamIds: - e6dd352d-67d3-4a6c-a7a0-68f1e994bb22 streamConfidences: null - attributeName: INSURANCE_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: TAX_PAYMENTS aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: DISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NONDISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: RECURRING_EXPENSES aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: RECURRING_LOAN_PAYMENTS aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NSF_FEE_CHARGES aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null stateAttributes: - attributeName: MISSED_RECURRING_EXPENSES reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 0 count: 732 mean: 0 median: 0 min: 0 max: 0 standardDeviation: 0 comparedToCohorts: [] beginningValue: 0 endingValue: 0 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: MISSED_RECURRING_LOAN_PAYMENTS reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 0 count: 732 mean: 0 median: 0 min: 0 max: 0 standardDeviation: 0 comparedToCohorts: [] beginningValue: 0 endingValue: 0 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: PAYMENT_RISK_SCORE reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 19825 count: 732 mean: 27.083333333333332 median: 24 min: -1 max: 46 standardDeviation: 8.739575902668523 comparedToCohorts: [] beginningValue: -1 endingValue: 24 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: ASSET_BALANCE reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: -900726.9199999999 count: 732 mean: -1230.501256830601 median: -1192.56 min: -3804.56 max: 1234.44 standardDeviation: 1628.527991127309 comparedToCohorts: [] beginningValue: -3804.56 endingValue: 1234.44 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] streams: - id: e6dd352d-67d3-4a6c-a7a0-68f1e994bb22 payor: '0' payee: John Smith cadence: 7 status: inactive recency: 118 earliestObservedDate: '2022-09-18T00:00:00' latestObservedDate: '2024-09-13T00:00:00' count: 100 sum: 5050 min: 1 max: 100 mean: 50.5 median: 50.5 standardDeviation: 29.011491975882016 minimumCadence: 0 maximumCadence: 58 medianCadence: 4 modeCadence: 2 standardDeviationCadence: 9.261506907846133 transactionIds: - '0' - '1' - '10' - '11' - '12' - '13' - '14' - '15' - '16' - '17' - '18' - '19' - '2' - '20' - '21' - '22' - '23' - '24' - '25' - '26' - '27' - '28' - '29' - '3' - '30' customerAnalytics: transactionalAttributes: - attributeName: CASH_OUTFLOW aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: CASH_INFLOW aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 5050 count: 100 mean: 50.5 median: 50.5 min: 1 max: 100 standardDeviation: 29.011491975882016 comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: - '10' - '72' - '78' - '16' - '25' - '67' - '27' - '15' - '36' - '75' - '88' - '57' - '51' - '30' - '66' - '87' - '61' - '6' - '82' - '48' - '40' - '45' - '96' - '95' projectedValues: [] streamIds: - e6dd352d-67d3-4a6c-a7a0-68f1e994bb22 streamConfidences: null - attributeName: INSURANCE_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: TAX_PAYMENTS aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: DISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NONDISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: RECURRING_EXPENSES aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: RECURRING_LOAN_PAYMENTS aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NSF_FEE_CHARGES aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null stateAttributes: - attributeName: MISSED_RECURRING_EXPENSES reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 0 count: 732 mean: 0 median: 0 min: 0 max: 0 standardDeviation: 0 comparedToCohorts: [] beginningValue: 0 endingValue: 0 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: MISSED_RECURRING_LOAN_PAYMENTS reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 0 count: 732 mean: 0 median: 0 min: 0 max: 0 standardDeviation: 0 comparedToCohorts: [] beginningValue: 0 endingValue: 0 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: PAYMENT_RISK_SCORE reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 19825 count: 732 mean: 27.083333333333332 median: 24 min: -1 max: 46 standardDeviation: 8.739575902668523 comparedToCohorts: [] beginningValue: -1 endingValue: 24 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: ASSET_BALANCE reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: -900726.9199999999 count: 732 mean: -1230.501256830601 median: -1192.56 min: -3804.56 max: 1234.44 standardDeviation: 1628.527991127309 comparedToCohorts: [] beginningValue: -3804.56 endingValue: 1234.44 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] streams: - id: e6dd352d-67d3-4a6c-a7a0-68f1e994bb22 payor: '0' payee: John Smith cadence: 7 status: inactive recency: 118 earliestObservedDate: '2022-09-18T00:00:00' latestObservedDate: '2024-09-13T00:00:00' count: 100 sum: 5050 min: 1 max: 100 mean: 50.5 median: 50.5 standardDeviation: 29.011491975882016 minimumCadence: 0 maximumCadence: 58 medianCadence: 4 modeCadence: 2 standardDeviationCadence: 9.261506907846133 transactionIds: - '0' - '1' - '10' - '11' - '12' - '13' - '14' - '15' - '16' - '17' - '18' - '19' - '2' - '20' - '21' - '22' - '23' - '24' - '25' - '26' - '27' - '28' - '29' - '3' - '30' VOIEPayrollReportExample: summary: VOIE - Payroll Report value: id: 41h4nzppn37u-voiepayroll portfolioId: 9qud7dtuzbew-1-port gseEnabled: true customerType: active customerId: 1275320 requestId: 7a7qyps2iy consumerId: 3f7ff2cf0ffb3d0cd59875e070c9b1d4 consumerSsn: '6789' consumerDetails: id: 3f7ff2cf0ffb3d0cd59875e070c9b1d4 firstName: John middleName: Doe lastName: Jane address: 123 Marple Street city: Anytown state: PA zip: '17101' phone: '5551234567' ssn: '1234' email: john.doe@example.com disputeStatement: Invalid data present. requesterName: Decisioning API endUser: name: ABC Apartments address: 123 Main St city: Murray state: UT zip: '84123' phone: 555-2106 email: customerservice@example.com url: example.com type: voiePayroll reportStyle: credentialedPayroll status: success createdDate: 1579819592 title: Mastercard Open Banking Verification of Income and Employment - Payroll constraints: payrollData: payrollAccountIds: - 018b8f10-fdf8-0ef7-ded5-34a17c34d86f payrollAggregatorResponseId: 4baxktu9wdda reportCustomFields: label: loanID value: '12345' shown: true employmentHistory: asOfDate: 1596175200 employmentId: vkvxszcy7nc9c19d employerName: ACME INC payrollSource: argyle payrollProvider: Paychex employee: name: John Doe Smith givenName: John middleName: Doe familyName: Smith address: - address1: Address 1 city: City state: TX zip: '99999' employment: employerName: ACME INC legalEntityId: '752760000' originalHireDate: 1527832800 latestHireDate: 1527832800 latestPayDate: 1596175200 daysSinceLastPay: 10 numberPayCadenceWithoutPay: 1 employmentEndDate: 1527832800 employmentDuration: P1Y6M0D employerAddress: - address1: Address 1 city: City state: TX zip: '99999' employmentStatusCode: A employmentStatusName: Active workLevelCode: FT workLevelName: Full Time-Regular workLevelStatus: Full Time positionTitle: Shift Supervisor positionDuration: P1Y6M0D income: payFrequency: Weekly payType: Hourly basePayRate: 27.5 annualIncome: - year: '2021' grossPayAmountYTD: 73925.12 netPayAmountYTD: 73925.12 basePayAmountYTD: 73925.12 overtimePayAmountYTD: 100.01 - year: '2020' grossPayAmountYTD: 73925.12 netPayAmountYTD: 73925.12 basePayAmountYTD: 73925.12 overtimePayAmountYTD: 100.01 - year: '2019' grossPayAmountYTD: 73925.12 netPayAmountYTD: 73925.12 basePayAmountYTD: 73925.12 overtimePayAmountYTD: 100.01 monthlyIncome: estimatedMonthlyBasePay: 2000 estimatedMonthlyOvertimePay: 100 directPayStatements: - payrollPayHistoryId: cy1a742k28 lastPayPeriodIndicator: true mainPayStatementFields: payDate: 1596175200 startDate: 1595138400 endDate: 1595656800 payPeriodHours: 40 payFrequency: Weekly payType: Hourly grossPayAmount: 1888.75 grossPayAmountYTD: 73925 netPayAmount: 1401.95 netPayAmountYTD: 73925 earnings: - name: basePayAmount type: base rate: 27.5 amount: 1100 amountYTD: 5500 deductions: - type: Federal tax amount: 143.45 - type: State tax amount: 12.5 BalancePersonalCraAnalyticsReportResponseExample: value: id: sd1j45yn37wr-barpcra customerType: active customerId: 1275320 requestId: 7a7qyps2iy requesterName: Decisioning API endUser: name: ABC Apartments address: 123 Main St city: Murray state: UT zip: '84123' phone: 555-2106 email: customerservice@example.com url: example.com title: Mastercard Open Banking Balance Analytics consumerId: 3f7ff2cf0ffb3d0cd59875e070c9b1d4 consumerSsn: '1234' consumerDetails: id: 3f7ff2cf0ffb3d0cd59875e070c9b1d4 firstName: John middleName: Doe lastName: Jane address: 123 Marple Street city: Anytown state: PA zip: '17101' phone: '5551234567' ssn: '1234' email: john.doe@example.com disputeStatement: Invalid data present. constraints: analyticsReportData: forCraPurpose: true timeIntervalTypes: - MONTHLY_CALENDAR type: barpcra status: success createdDate: 1579819592 startDate: 1512594823 endDate: 1575666823 days: 730 institutions: - id: '102105' name: FinBank Profiles urlHomeApp: http://www.finbank.com accounts: - id: '1111' ownerName: PATRICK & LORRAINE PURCHASER ownerAddress: 7195 BELMONT ST. PARLIN, NJ 08859 ownerAsOfDate: 1577986990 name: Checking number: XX1111 type: checking aggregationStatusCode: '0' currentBalance: 100000 availableBalance: 1000 balanceDate: 1614880526 transactions: - id: '00000001' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone - id: '00000002' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone - id: '00000003' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone - id: '00000004' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone analytics: transactionalAttributes: [] stateAttributes: - attributeName: ASSET_BALANCE reportedByTimePeriods: - timeIntervalType: MONTHLY_CALENDAR periods: - startDate: '2023-02-05' endDate: '2023-02-28' sum: 75517.99999999997 count: 24 mean: 3146.583333333333 median: 3145.2 min: 3145.2 max: 3178.4 standardDeviation: 6.776921621700182 beginningValue: 3145.2 endingValue: 3178.4 - startDate: '2023-03-01' endDate: '2023-03-31' sum: 95350.54000000005 count: 31 mean: 3075.823870967742 median: 3178.4 min: 2946.3 max: 3329.22 standardDeviation: 132.58604314877732 beginningValue: 3178.4 endingValue: 3329.22 streams: - id: 2b96f6d4-4882-4db2-96c6-f89530a68f1c payor: TD AMERITRADE payee: John Smith cadence: 15 recency: 124 transactionIds: - '00000003' - '00000004' - '00000001' - id: dafc9b5d-762d-4f91-a429-f80573944bcd payor: John Smith payee: TD AMERITRADE cadence: 0 recency: 139 transactionIds: - '00000002' - id: '2222' ownerName: PATRICK & LORRAINE PURCHASER ownerAddress: 7195 BELMONT ST. PARLIN, NJ 08859 ownerAsOfDate: 1577986990 name: Checking number: XX1111 type: checking aggregationStatusCode: '0' currentBalance: 100000 availableBalance: 1000 balanceDate: 1614880526 transactions: - id: '00000005' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone - id: '00000006' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone - id: '00000007' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone - id: 00000008 amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone analytics: transactionalAttributes: [] stateAttributes: - attributeName: ASSET_BALANCE reportedByTimePeriods: - timeIntervalType: MONTHLY_CALENDAR periods: - startDate: '2023-02-05' endDate: '2023-02-28' sum: 75517.99999999997 count: 24 mean: 3146.583333333333 median: 3145.2 min: 3145.2 max: 3178.4 standardDeviation: 6.776921621700182 beginningValue: 3145.2 endingValue: 3178.4 - startDate: '2023-03-01' endDate: '2023-03-31' sum: 95350.54000000005 count: 31 mean: 3075.823870967742 median: 3178.4 min: 2946.3 max: 3329.22 standardDeviation: 132.58604314877732 beginningValue: 3178.4 endingValue: 3329.22 streams: - id: b838ffb3-2549-43b3-a1b1-50bc13438e0f payor: John Smith payee: Whole Foods cadence: 0 recency: 124 transactionIds: - '00000005' - 00000008 - id: 54214633-39d7-43f4-9314-bae2ce3b6af9 payor: John Smith payee: Walmart cadence: 0 recency: 139 transactionIds: - '00000006' - '00000007' customerAnalytics: transactionalAttributes: [] stateAttributes: - attributeName: ASSET_BALANCE reportedByTimePeriods: - timeIntervalType: MONTHLY_CALENDAR periods: - startDate: '2023-02-05' endDate: '2023-02-28' sum: 75517.99999999997 count: 24 mean: 3146.583333333333 median: 3145.2 min: 3145.2 max: 3178.4 standardDeviation: 6.776921621700182 beginningValue: 3145.2 endingValue: 3178.4 - startDate: '2023-03-01' endDate: '2023-03-31' sum: 95350.54000000005 count: 31 mean: 3075.823870967742 median: 3178.4 min: 2946.3 max: 3329.22 standardDeviation: 132.58604314877732 beginningValue: 3178.4 endingValue: 3329.22 streams: - id: 2b96f6d4-4882-4db2-96c6-f89530a68f1c payor: TD AMERITRADE payee: John Smith cadence: 15 recency: 124 transactionIds: - '00000003' - '00000004' - '00000001' - id: dafc9b5d-762d-4f91-a429-f80573944bcd payor: John Smith payee: TD AMERITRADE cadence: 0 recency: 139 transactionIds: - '00000002' - id: b838ffb3-2549-43b3-a1b1-50bc13438e0f payor: John Smith payee: Whole Foods cadence: 0 recency: 124 transactionIds: - '00000005' - 00000008 - id: 54214633-39d7-43f4-9314-bae2ce3b6af9 payor: John Smith payee: Walmart cadence: 0 recency: 139 transactionIds: - '6010290887' - '6010290914' InvalidFieldExample: value: code: '10010' status: '400' message: Customer ID does not exist or does not belong to this partner user_message: One or more of the fields could not be validated. Please ensure you have entered the correct data. tags: '' CashflowBusinessNonCraAnalyticsReportResponseExample: value: id: x9j6c6kdkzzf-cfrbnoncra customerType: testing customerId: 3011077785 requestId: ib6mjb9cxr requesterName: Open Banking API Tests createdDate: 1721818584 title: Mastercard Open Banking Cash Flow Analytics type: cfrbnoncra status: success businessDetails: businessId: '48599' name: ABC Tires Inc - 1 address: addressLine1: 2020 State Street addressLine2: Suite 301 city: Salt Lake City state: Utah country: US postalCode: '84116' constraints: analyticsReportData: forCraPurpose: false forFtcPurpose: false applicantIsPersonalGuarantor: false timeIntervalTypes: - MONTHLY_CALENDAR startDate: 1658660184 endDate: 1721818584 days: 731 institutions: - id: 170681 name: FinBank P urlHomeApp: https://finbank.prod.fini.city/CCBankImageMFA/login.jsp accounts: - id: 3027530342 ownerName: JNC PROPERTIES LLC ownerAddress: 1944 JAKETOWN RD DONNELLSON IL 62019 ownerAsOfDate: 1721818584 name: Business Investment number: '1101' type: investment aggregationStatusCode: 0 currentBalance: 100000 balanceDate: 1721818586 transactions: [] analytics: null currency: USD - id: 3027530343 ownerName: NSF USER ownerAddress: 123 VINE ST MURRAY, UT 84123 ownerAsOfDate: 1721818584 name: NSF Checking number: '0111' type: checking aggregationStatusCode: 0 currentBalance: 37700.65 availableBalance: 38000.45 balanceDate: 1721818587 transactions: - id: 101402234950 amount: -30 postedDate: 1721131200 description: Insufficient Funds Charge normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234940 amount: -34 postedDate: 1662206400 description: INSUFFICIENT FUNDS FEE FOR A $32 memo: .46 RECURRING CARD PURCHASE - DE normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234865 amount: -90 postedDate: 1661688000 description: NON-SUFFICIENT FUNDS CHARGE;Branch Transaction normalizedPayee: Non-sufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234891 amount: -30 postedDate: 1660651200 description: CHK# AMT $. NSF CHARGE memo: CHK# 00 AMT $188.83 NSF CHARGE normalizedPayee: Nsf Charge institutionTransactionId: '0000000000' category: Low Balance analytics: transactionalAttributes: - aggregatedByTimePeriods: - periods: - count: 0 endDate: '2022-07-31' startDate: '2022-07-28' - count: 0 endDate: '2022-08-31' startDate: '2022-08-01' - count: 0 endDate: '2024-06-30' startDate: '2024-06-01' - count: 0 endDate: '2024-07-24' startDate: '2024-07-01' timeIntervalType: MONTHLY_CALENDAR attributeName: REVENUE streamIds: [] transactionIds: [] - attributeName: CASH_OUTFLOW aggregatedByTimePeriods: - periods: - count: 0 endDate: '2022-07-31' startDate: '2022-07-28' - count: 5 endDate: '2022-08-31' max: -24 mean: -42.6 median: -34 min: -90 standardDeviation: 26.847718711279736 startDate: '2022-08-01' sum: -213 - count: 4 endDate: '2024-06-30' max: -26.23 mean: -31.0575 median: -32 min: -34 standardDeviation: 3.7300435654292294 startDate: '2024-06-01' sum: -124.23 - count: 3 endDate: '2024-07-24' max: -28 mean: -30.666666666666668 median: -30 min: -34 standardDeviation: 3.0550504633038935 startDate: '2024-07-01' sum: -92 timeIntervalType: MONTHLY_CALENDAR streamIds: - fdf7f804-2273-41f8-8916-299e764c6209 - 35528ad9-4102-4383-900f-d7fae5e62022 transactionIds: - '101402234898' - '101402234868' - attributeName: CASH_INFLOW aggregatedByTimePeriods: - periods: - count: 1 endDate: '2022-07-31' max: 34 mean: 34 median: 34 min: 34 startDate: '2022-07-28' sum: 34 - count: 0 endDate: '2022-08-31' startDate: '2022-08-01' - count: 0 endDate: '2024-06-30' startDate: '2024-06-01' - count: 0 endDate: '2024-07-24' startDate: '2024-07-01' timeIntervalType: MONTHLY_CALENDAR streamIds: - b319af86-4675-4a8b-a93c-9b1dc8f6850f - 8b06140a-e3f3-4169-afa8-806a097f0109 transactionIds: - '101402234916' - '101402234906' - attributeName: ALL_CASH_FLOWS aggregatedByTimePeriods: - periods: - count: 1 endDate: '2022-07-31' max: 34 mean: 34 median: 34 min: 34 startDate: '2022-07-28' sum: 34 - count: 5 endDate: '2022-08-31' max: -24 mean: -42.6 median: -34 min: -90 standardDeviation: 26.847718711279736 startDate: '2022-08-01' sum: -213 - count: 4 endDate: '2024-06-30' max: -26.23 mean: -31.0575 median: -32 min: -34 standardDeviation: 3.7300435654292294 startDate: '2024-06-01' sum: -124.23 - count: 3 endDate: '2024-07-24' max: -28 mean: -30.666666666666668 median: -30 min: -34 standardDeviation: 3.0550504633038935 startDate: '2024-07-01' sum: -92 timeIntervalType: MONTHLY_CALENDAR streamIds: - 8e77ae76-6405-4137-a3ec-7748d2baa66c - b319af86-4675-4a8b-a93c-9b1dc8f6850f transactionIds: - '101402234881' - '101402234939' - '101402234876' - attributeName: NSF_FEE_CHARGES aggregatedByTimePeriods: - periods: - count: 0 endDate: '2022-07-31' startDate: '2022-07-28' - count: 5 endDate: '2022-08-31' max: -24 mean: -42.6 median: -34 min: -90 standardDeviation: 26.847718711279736 startDate: '2022-08-01' sum: -213 - count: 4 endDate: '2024-06-30' max: -26.23 mean: -31.0575 median: -32 min: -34 standardDeviation: 3.7300435654292294 startDate: '2024-06-01' sum: -124.23 - count: 3 endDate: '2024-07-24' max: -28 mean: -30.666666666666668 median: -30 min: -34 standardDeviation: 3.0550504633038935 startDate: '2024-07-01' sum: -92 timeIntervalType: MONTHLY_CALENDAR streamIds: - 8e77ae76-6405-4137-a3ec-7748d2baa66c - 18f37c62-6783-4061-9c57-0d8a6b494c84 - 35528ad9-4102-4383-900f-d7fae5e62022 transactionIds: - '101402234950' - '101402234871' - '101402234914' - '101402234900' - attributeName: NSF_FEE_REVERSALS aggregatedByTimePeriods: - periods: - count: 0 endDate: '2022-07-31' startDate: '2022-07-28' - count: 0 endDate: '2022-08-31' startDate: '2022-08-01' - count: 0 endDate: '2024-06-30' startDate: '2024-06-01' - count: 0 endDate: '2024-07-24' startDate: '2024-07-01' timeIntervalType: MONTHLY_CALENDAR streamIds: [] transactionIds: [] stateAttributes: - attributeName: NET_CASH_FLOW reportedByTimePeriods: - periods: - beginningValue: 34 count: 4 endDate: '2022-07-31' endingValue: 0 max: 34 mean: 8.5 median: 0 min: 0 standardDeviation: 17 startDate: '2022-07-28' sum: 34 - beginningValue: 0 count: 31 endDate: '2022-08-31' endingValue: 0 max: 0 mean: -6.870967741935484 median: 0 min: -90 standardDeviation: 20.144051124312725 startDate: '2022-08-01' sum: -213 - beginningValue: 0 count: 30 endDate: '2024-06-30' endingValue: 0 max: 0 mean: -4.141 median: 0 min: -34 standardDeviation: 10.804814492016813 startDate: '2024-06-01' sum: -124.23 - beginningValue: 0 count: 24 endDate: '2024-07-24' endingValue: 0 max: 0 mean: -3.8333333333333335 median: 0 min: -34 standardDeviation: 10.3992753370719 startDate: '2024-07-01' sum: -92 timeIntervalType: MONTHLY_CALENDAR streams: - cadence: 0 id: 8e77ae76-6405-4137-a3ec-7748d2baa66c payee: insufficient payor: NSF USER recency: 8 transactionIds: - '101402234950' - '101402234913' - cadence: 0 id: b319af86-4675-4a8b-a93c-9b1dc8f6850f payee: NSF USER payor: clark energy (return) recency: 118 transactionIds: - '101402234916' currency: USD - id: 3027530339 ownerName: Roberta Prohaska ownerAddress: Salt Lake City ownerAsOfDate: 1721818584 name: Checking number: '001111' type: checking aggregationStatusCode: 0 currentBalance: 724.1 availableBalance: 165 balanceDate: 1721815841 transactions: - id: 101402235536 amount: -6.99 postedDate: 1695297600 description: 'SONIC #4017' memo: PURCHASE 09/19 EDGEWATER CO CARD 9268 normalizedPayee: Sonic institutionTransactionId: '10190' category: Fast Food - id: 101402235535 amount: -203.45 postedDate: 1695297600 description: FSI*XCEL ENERGY PM memo: PURCHASE 09/20 800-895-4999 CO CARD 9268 normalizedPayee: Xcel Energy institutionTransactionId: '10189' category: Utilities - id: 101402235424 amount: -37.86 postedDate: 1658664000 description: THE HOME DEPOT 1550 memo: PURCHASE 07/22 LAKEWOOD CO CARD 9268 normalizedPayee: Home Depot institutionTransactionId: '10041' category: Home Improvement - id: 101402235423 amount: -21.05 postedDate: 1658664000 description: KING SOOP 1725 SHERIDA memo: PURCHASE 07/22 EDGEWATER CO CARD 9268 normalizedPayee: Soop institutionTransactionId: '10040' category: Groceries analytics: transactionalAttributes: - attributeName: CASH_OUTFLOW aggregatedByTimePeriods: - periods: - count: 9 endDate: '2022-07-31' max: -5.24 mean: -29.672222222222224 median: -21.05 min: -92.95 standardDeviation: 30.24118912087361 startDate: '2022-07-24' sum: -267.05 - count: 24 endDate: '2022-08-31' max: -1.67 mean: -113.86583333333333 median: -23.865 min: -1150 standardDeviation: 297.5267452050636 startDate: '2022-08-01' sum: -2732.78 - count: 0 endDate: '2024-06-30' startDate: '2024-06-01' - count: 0 endDate: '2024-07-24' startDate: '2024-07-01' timeIntervalType: MONTHLY_CALENDAR streamIds: - 14a1be06-6ef8-4685-808c-a033ae2e27aa - 8617b764-f1db-4f38-9e24-b6a6c64e156f - ff2e773c-bc91-4343-88dd-3445aa3adede - dbac0ee8-faff-4d2d-9f78-fec2721f4420 transactionIds: - '101402235485' - '101402244994' - '101402235495' - '101402244988' - attributeName: CASH_INFLOW aggregatedByTimePeriods: - periods: - count: 4 endDate: '2022-07-31' max: 261 mean: 188.5 median: 197 min: 99 standardDeviation: 70.40123104984268 startDate: '2022-07-24' sum: 754 - count: 6 endDate: '2022-08-31' max: 293 mean: 166.08333333333334 median: 171.75 min: 36 standardDeviation: 92.03826197113169 startDate: '2022-08-01' sum: 996.5 - count: 0 endDate: '2024-06-30' startDate: '2024-06-01' - count: 0 endDate: '2024-07-24' startDate: '2024-07-01' timeIntervalType: MONTHLY_CALENDAR streamIds: - ae2b5252-f1fb-4ba1-8d88-e13129cd627d - 33798f11-680c-4a1b-b48a-e6efb7d3e7a7 - 6488c9b2-9aa3-41c6-beb3-44047988d8c2 transactionIds: - '101402245000' - '101402245004' - '101402235457' - '101402244970' - attributeName: ALL_CASH_FLOWS aggregatedByTimePeriods: - periods: - count: 13 endDate: '2022-07-31' max: 261 mean: 37.457692307692305 median: -7.98 min: -92.95 standardDeviation: 113.28363364830818 startDate: '2022-07-24' sum: 486.95 - count: 30 endDate: '2022-08-31' max: 293 mean: -57.876 median: -18.72 min: -1150 standardDeviation: 290.928854635133 startDate: '2022-08-01' sum: -1736.28 - count: 0 endDate: '2024-06-30' startDate: '2024-06-01' - count: 0 endDate: '2024-07-24' startDate: '2024-07-01' timeIntervalType: MONTHLY_CALENDAR streamIds: - 9bbd2a04-60dd-4baf-a095-ba83f5dcd9c9 - 20fc33d4-53c2-4bed-813f-1fa836aa5dc2 - ecb3ee6a-a320-4b00-9666-28b0c4599652 - d6d69f39-d941-4c93-9626-246ea390ce93 transactionIds: - '101402245002' - '101402244983' - '101402235428' - '101402235513' - attributeName: REVENUE aggregatedByTimePeriods: - periods: - count: 2 endDate: '2022-07-31' max: 170 mean: 134.5 median: 134.5 min: 99 standardDeviation: 50.204581464244875 startDate: '2022-07-24' sum: 269 - count: 4 endDate: '2022-08-31' max: 293 mean: 168.125 median: 171.75 min: 36 standardDeviation: 107.42002839321911 startDate: '2022-08-01' sum: 672.5 - count: 0 endDate: '2024-06-30' startDate: '2024-06-01' - count: 0 endDate: '2024-07-24' startDate: '2024-07-01' timeIntervalType: MONTHLY_CALENDAR streamIds: - ae2b5252-f1fb-4ba1-8d88-e13129cd627d transactionIds: - '101402245004' - attributeName: NSF_FEE_CHARGES aggregatedByTimePeriods: - periods: - count: 0 endDate: '2022-07-31' startDate: '2022-07-24' - count: 1 endDate: '2022-08-31' max: -35 mean: -35 median: -35 min: -35 startDate: '2022-08-01' sum: -35 - count: 0 endDate: '2024-06-30' startDate: '2024-06-01' - count: 0 endDate: '2024-07-24' startDate: '2024-07-01' timeIntervalType: MONTHLY_CALENDAR streamIds: [] transactionIds: - '101402244981' - '101402235478' - attributeName: NSF_FEE_REVERSALS aggregatedByTimePeriods: - periods: - count: 0 endDate: '2022-07-31' startDate: '2022-07-24' - count: 0 endDate: '2022-08-31' startDate: '2022-08-01' - count: 0 endDate: '2024-06-30' startDate: '2024-06-01' - count: 0 endDate: '2024-07-24' startDate: '2024-07-01' timeIntervalType: MONTHLY_CALENDAR streamIds: [] transactionIds: [] stateAttributes: - attributeName: NET_CASH_FLOW reportedByTimePeriods: - periods: - beginningValue: -143.14000000000001 count: 8 endDate: '2022-07-31' endingValue: 0 max: 477.02 mean: 60.86875 median: 0 min: -143.14000000000001 standardDeviation: 188.17233176285887 startDate: '2022-07-24' sum: 486.95 - beginningValue: 0 count: 31 endDate: '2022-08-31' endingValue: -21.82 max: 293 mean: -56.009032258064515 median: 0 min: -1160.88 standardDeviation: 296.6524763799648 startDate: '2022-08-01' sum: -1736.28 - beginningValue: 0 count: 30 endDate: '2024-06-30' endingValue: 0 max: 0 mean: 0 median: 0 min: 0 standardDeviation: 0 startDate: '2024-06-01' sum: 0 - beginningValue: 0 count: 24 endDate: '2024-07-24' endingValue: 0 max: 0 mean: 0 median: 0 min: 0 standardDeviation: 0 startDate: '2024-07-01' sum: 0 timeIntervalType: MONTHLY_CALENDAR streams: - cadence: 190 id: 14a1be06-6ef8-4685-808c-a033ae2e27aa payee: sonic payor: Roberta Prohaska recency: 307 transactionIds: - '101402235507' - '101402235523' - '101402235536' - cadence: 0 id: 0505c1e8-56ed-4911-8097-f466dab0cbbc payee: xcel energy payor: Roberta Prohaska recency: 307 transactionIds: - '101402235535' currency: USD oauthEnabled: false customerAnalytics: stateAttributes: - attributeName: NET_CASH_FLOW reportedByTimePeriods: - periods: - beginningValue: -207.26 count: 8 endDate: '2022-07-31' endingValue: -347.03999999999996 max: 931.73 mean: 44.493750000000006 median: 0 min: -347.03999999999996 standardDeviation: 394.7503333550569 startDate: '2022-07-24' sum: 355.95000000000005 - beginningValue: 321 count: 31 endDate: '2022-08-31' endingValue: -21.82 max: 680.61 mean: -6.811290322580643 median: 0 min: -1187.86 standardDeviation: 374.42814628659113 startDate: '2022-08-01' sum: -211.14999999999992 - beginningValue: 0 count: 30 endDate: '2024-06-30' endingValue: 0 max: 3390 mean: -50.952 median: 0 min: -4974.33 standardDeviation: 1117.177412711036 startDate: '2024-06-01' sum: -1528.56 - beginningValue: 0 count: 24 endDate: '2024-07-24' endingValue: 0 max: 3390 mean: -62.34708333333333 median: 0 min: -4974.33 standardDeviation: 1254.1757580473845 startDate: '2024-07-01' sum: -1496.33 timeIntervalType: MONTHLY_CALENDAR streams: - cadence: 0 id: 8e77ae76-6405-4137-a3ec-7748d2baa66c payee: insufficient payor: NSF USER recency: 8 transactionIds: - '101402234950' - '101402234913' - cadence: 0 id: 7f7eade6-3fca-4c4e-890b-f967cc9b75bf payee: Roberta Prohaska payor: buy recency: 434 transactionIds: - '101402235188' - '101402244844' - cadence: 15 id: 2c136d57-2810-45c3-a40e-64adc9e274fb payee: Roberta Prohaska payor: buy other recency: 437 transactionIds: - '101402244845' - '101402250223' transactionalAttributes: - aggregatedByTimePeriods: - periods: - count: 7 endDate: '2022-07-31' max: 170 mean: 129.42857142857142 median: 99 min: 99 standardDeviation: 37.95109635156426 startDate: '2022-07-24' sum: 906 - count: 43 endDate: '2022-08-31' max: 688 mean: 192.03488372093022 median: 144 min: 36 standardDeviation: 159.56348174483338 startDate: '2022-08-01' sum: 8257.5 - count: 0 endDate: '2024-06-30' startDate: '2024-06-01' - count: 0 endDate: '2024-07-24' startDate: '2024-07-01' timeIntervalType: MONTHLY_CALENDAR attributeName: REVENUE streamIds: - bf1a9f5f-b81a-47fc-a9cf-0a3665ce8d42 - d78f6528-75ed-450e-ac06-6f4d425ee68a transactionIds: - '101402250300' - '101402250301' - '101402250308' - '101402250315' - attributeName: CASH_OUTFLOW aggregatedByTimePeriods: - periods: - count: 24 endDate: '2022-07-31' max: -2.47 mean: -38.21041666666667 median: -21.68 min: -167.86 standardDeviation: 52.73374305262789 startDate: '2022-07-24' sum: -917.05 - count: 52 endDate: '2022-08-31' max: -2.5 mean: -72.04788461538462 median: -23.494999999999997 min: -1150 standardDeviation: 206.50877599294435 startDate: '2022-08-01' sum: -3746.49 - count: 10 endDate: '2024-06-30' max: -26.23 mean: -509.856 median: -300 min: -1358.11 standardDeviation: 597.0070650838229 startDate: '2024-06-01' sum: -5098.5599999999995 - count: 9 endDate: '2024-07-24' max: -28 mean: -562.9255555555555 median: -300 min: -1358.11 standardDeviation: 607.6863589079302 startDate: '2024-07-01' sum: -5066.33 timeIntervalType: MONTHLY_CALENDAR streamIds: - 8e77ae76-6405-4137-a3ec-7748d2baa66c - 174e1055-dd41-40e6-9ea9-d16784453a31 transactionIds: - '101402235474' - '101402235001' - '101402235435' - '101402235430' - attributeName: CASH_INFLOW aggregatedByTimePeriods: - periods: - count: 7 endDate: '2022-07-31' max: 261 mean: 181.85714285714286 median: 224 min: 34 standardDeviation: 86.55138853388117 startDate: '2022-07-24' sum: 1273 - count: 19 endDate: '2022-08-31' max: 688 mean: 186.07052631578946 median: 144 min: 17.5 standardDeviation: 144.9797808306648 startDate: '2022-08-01' sum: 3535.34 - count: 9 endDate: '2024-06-30' max: 1070 mean: 396.6666666666667 median: 60 min: 60 standardDeviation: 505 startDate: '2024-06-01' sum: 3570 - count: 9 endDate: '2024-07-24' max: 1070 mean: 396.6666666666667 median: 60 min: 60 standardDeviation: 505 startDate: '2024-07-01' sum: 3570 timeIntervalType: MONTHLY_CALENDAR streamIds: - 783d86ff-60a4-4f36-900f-d37fd3e7b36f - 897ddd86-9186-45fd-8975-9e16dadfa432 transactionIds: - '101402235060' - '101402235099' - '101402235248' - attributeName: ALL_CASH_FLOWS aggregatedByTimePeriods: - periods: - count: 31 endDate: '2022-07-31' max: 261 mean: 11.48225806451613 median: -9.99 min: -167.86 standardDeviation: 111.26009301660913 startDate: '2022-07-24' sum: 355.95 - count: 71 endDate: '2022-08-31' max: 688 mean: -2.9739436619718314 median: -14.99 min: -1150 standardDeviation: 222.97999178324034 startDate: '2022-08-01' sum: -211.15000000000003 - count: 19 endDate: '2024-06-30' max: 1070 mean: -80.45052631578946 median: -26.23 min: -1358.11 standardDeviation: 712.6092459208832 startDate: '2024-06-01' sum: -1528.5599999999997 - count: 18 endDate: '2024-07-24' max: 1070 mean: -83.12944444444443 median: 16 min: -1358.11 standardDeviation: 733.1695588612839 startDate: '2024-07-01' sum: -1496.3299999999997 timeIntervalType: MONTHLY_CALENDAR streamIds: - 4f7409b8-638f-4c19-8681-9e6ed1bcec59 - ed22b1d7-35d6-4be1-8ac2-f6ceb3c0c58a - 331de02f-1cf2-4284-99ac-d440faaa309a - 240eff24-af2f-40ba-9e20-055db232a0ca transactionIds: - '101402234890' - '101402235243' - '101402235108' - '101402235513' - attributeName: NSF_FEE_CHARGES aggregatedByTimePeriods: - periods: - count: 2 endDate: '2022-07-31' max: -35 mean: -35 median: -35 min: -35 standardDeviation: 0 startDate: '2022-07-24' sum: -70 - count: 9 endDate: '2022-08-31' max: -24 mean: -39.22222222222222 median: -35 min: -90 standardDeviation: 19.40217628114033 startDate: '2022-08-01' sum: -353 - count: 4 endDate: '2024-06-30' max: -26.23 mean: -31.0575 median: -32 min: -34 standardDeviation: 3.7300435654292294 startDate: '2024-06-01' sum: -124.23 - count: 3 endDate: '2024-07-24' max: -28 mean: -30.666666666666668 median: -30 min: -34 standardDeviation: 3.0550504633038935 startDate: '2024-07-01' sum: -92 timeIntervalType: MONTHLY_CALENDAR streamIds: - 8e77ae76-6405-4137-a3ec-7748d2baa66c - 18f37c62-6783-4061-9c57-0d8a6b494c84 - 35528ad9-4102-4383-900f-d7fae5e62022 transactionIds: - '101402245099' - '101402235478' - '101402244981' - attributeName: NSF_FEE_REVERSALS aggregatedByTimePeriods: - periods: - count: 0 endDate: '2022-07-31' startDate: '2022-07-24' - count: 0 endDate: '2022-08-31' startDate: '2022-08-01' - count: 0 endDate: '2024-06-30' startDate: '2024-06-01' - count: 0 endDate: '2024-07-24' startDate: '2024-07-01' timeIntervalType: MONTHLY_CALENDAR streamIds: [] transactionIds: [] gseEnabled: true GenericBadRequestExample: value: code: '14020' message: Bad request. VOEPayrollReportExample: summary: VOE - Payroll Report value: id: 41h4nzppn47u-voepayroll portfolioId: 9qud7dtuzbew-1-port gseEnabled: true createdDate: 1579819592 requesterName: Decisioning API endUser: name: ABC Apartments address: 123 Main St city: Murray state: UT zip: '84123' phone: 555-2106 email: customerservice@example.com url: example.com requestId: 7a7qyps2iy customerType: active customerId: 1275320 consumerId: 3f7ff2cf0ffb3d0cd59875e070c9b1d4 consumerSsn: '6789' disputeStatement: Invalid data present. type: voePayroll reportStyle: credentialedPayroll title: Mastercard Open Banking Verification of Employment - Payroll status: success constraints: payrollData: payrollAccountIds: - 018d3f0e-6c1c-fa13-7e50-0003acfcfdae payrollAggregatorResponseId: 4baxktu9wdda employmentHistory: - asOfDate: 1596175200 employmentId: zgk6wh3urqr0gtxv employerName: ACME INC payrollSource: argyle payrollProvider: Paychex employee: name: John Doe Smith givenName: John middleName: Doe familyName: Smith address: - address1: Address 1 city: City state: TX zip: '99999' employment: employerName: ACME INC legalEntityId: '752760000' originalHireDate: 1527832800 latestHireDate: 1527832800 latestPayDate: 1596175200 daysSinceLastPay: 10 numberPayCadenceWithoutPay: 1 employmentEndDate: 1527832800 employmentDuration: P1Y6M0D employerAddress: - address1: Address 1 city: City state: TX zip: '99999' employmentStatusCode: A employmentStatusName: Active workLevelCode: FT workLevelName: Full Time-Regular latestPayPeriodEndDate: 1699747200 derivedEmploymentStatus: false workLevelStatus: Full Time positionTitle: Shift Supervisor positionDuration: P1Y6M0D income: payFrequency: Weekly GenerateRetailSalesAnalyticsReportExample: value: id: y3pic4xhda-sbcaanalyticsnoncra customerType: testing customerId: 1001483250 createdDate: 1739824892 requestId: y3pic4xhda requestorName: ABC Partner partnerName: ABC partner type: sbcaanalyticsnoncra title: Mastercard Open Banking Small Business Credit Analytics constraints: analyticsReportData: sbcaParams: hasConsent: true metricFrequency: weekly metricType: retail_sales_analytics locationId: a1b2c3d4-0000-1234-abcd-000000000001 businessDetails: name: ABC Tires Inc personallyLiable: true address: addressLine1: 434 W Ascension Way addressLine2: 'Suite #200' city: Murray state: UT country: US postalCode: '84123' phoneNumber: countryCode: '1' phoneNo: '8042221111' retailSalesAnalyticsMetrics: - locationId: a1b2c3d4-0000-1234-abcd-000000000001 merchantCategoryCode: 478 naicsCode: 454113 industryName: Arts and Craft Stores firstSeenTxnDate: '2008-08-14' lastSeenTxnDate: '2023-02-18' metricsFrequency: Weekly metricsLists: - periodStartDate: '2022-01-09' periodEndDate: '2022-01-15' year: 2022 metrics: - name: txn_amt value: 16198.060138 - name: txn_cnt value: 238 - periodStartDate: '2022-02-13' periodEndDate: '2022-02-19' year: 2022 metrics: - name: txn_amt value: 19942.409207 - name: txn_cnt value: 269 AccountTypeNotSupportedExample: value: code: '14020' message: Bad request. (Account type not supported). NoConsumerForCustomerExample: value: code: '10100' message: Cannot find consumer for customer with id 5011115315." ResellerInvalidDateRangeGreaterThan31DaysExample: value: code: '10100' message: 'RESELLER_BILLING_REPORT: Invalid date range - It is more than 31 days' ResellerNoReportForPartnerExample: value: code: '10100' message: Cannot find resellerBilling reports with id 2445581559892. PaymentRiskInsightsBusinessCRAReportResponseExample: value: id: sd1j45yn37wr-pribcra customerType: active customerId: 1275320 requestId: 7a7qyps2iy requesterName: Decisioning API endUser: name: ABC Apartments address: 123 Main St city: Murray state: UT zip: '84123' phone: 1-801-443-7288 email: customerservice@abcapartments.com url: abcapartments.com title: Mastercard Open Banking Payment Risk Insights consumerId: 3f7ff2cf0ffb3d0cd59875e070c9b1d4 consumerSsn: '1234' consumerDetails: id: 3f7ff2cf0ffb3d0cd59875e070c9b1d4 firstName: Anais middleName: Jaden lastName: Hane address: 123 N 465 E city: Omaha state: NY zip: '11111' phone: '8562429473' ssn: '1234' email: Test@hotmail.com disputeStatement: Invalid data present. businessDetails: businessId: 123 name: Name1 address: addressLine1: 2020 State Street addressLine2: Suite 301 city: Salt Lake City state: Utah country: USA postalCode: 84116 constraints: analyticsReportData: forCraPurpose: true forFtcPurpose: false applicantIsPersonalGuarantor: true timeIntervalTypes: - HISTORICALLY type: pribcra status: success createdDate: 1579819592 reportRefreshNumber: 2 originalReportCreatedDate: 1607450357 startDate: 1512594823 endDate: 1575666823 days: 730 institutions: - id: '102105' name: FinBank Profiles urlHomeApp: http://www.finbank.com accounts: - id: '1111' ownerName: PATRICK & LORRAINE PURCHASER ownerAddress: 7195 BELMONT ST. PARLIN, NJ 08859 ownerAsOfDate: 1614880526 name: Checking number: XX1111 type: checking aggregationStatusCode: '0' currentBalance: 100000 availableBalance: 1000 balanceDate: 1614880526 transactions: - id: '00000001' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone - id: '00000002' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone analytics: - transactionalAttributes: - attributeName: CASH_OUTFLOW aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: CASH_INFLOW aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 5050 count: 100 mean: 50.5 median: 50.5 min: 1 max: 100 standardDeviation: 29.011491975882016 comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: - '10' - '72' - '78' - '16' - '25' - '67' - '27' - '15' - '36' - '75' - '88' - '57' - '51' - '30' - '66' - '87' - '61' - '6' - '82' - '48' - '40' projectedValues: [] streamIds: - e6dd352d-67d3-4a6c-a7a0-68f1e994bb22 streamConfidences: null - attributeName: INSURANCE_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: TAX_PAYMENTS aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: DISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NONDISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: RECURRING_EXPENSES aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: RECURRING_LOAN_PAYMENTS aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NSF_FEE_CHARGES aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null stateAttributes: - attributeName: MISSED_RECURRING_EXPENSES reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 0 count: 732 mean: 0 median: 0 min: 0 max: 0 standardDeviation: 0 comparedToCohorts: [] beginningValue: 0 endingValue: 0 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: MISSED_RECURRING_LOAN_PAYMENTS reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 0 count: 732 mean: 0 median: 0 min: 0 max: 0 standardDeviation: 0 comparedToCohorts: [] beginningValue: 0 endingValue: 0 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: PAYMENT_RISK_SCORE reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 19825 count: 732 mean: 27.083333333333332 median: 24 min: -1 max: 46 standardDeviation: 8.739575902668523 comparedToCohorts: [] beginningValue: -1 endingValue: 24 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: ASSET_BALANCE reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: -900726.9199999999 count: 732 mean: -1230.501256830601 median: -1192.56 min: -3804.56 max: 1234.44 standardDeviation: 1628.527991127309 comparedToCohorts: [] beginningValue: -3804.56 endingValue: 1234.44 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] streams: - id: e6dd352d-67d3-4a6c-a7a0-68f1e994bb22 payor: '0' payee: John Smith cadence: 7 status: inactive recency: 118 earliestObservedDate: '2022-09-18T00:00:00' latestObservedDate: '2024-09-13T00:00:00' count: 100 sum: 5050 min: 1 max: 100 mean: 50.5 median: 50.5 standardDeviation: 29.011491975882016 minimumCadence: 0 maximumCadence: 58 medianCadence: 4 modeCadence: 2 standardDeviationCadence: 9.261506907846133 transactionIds: - '0' - '1' - '10' - '11' - '12' - '13' - '14' - '15' - '16' - '17' - '18' - '19' - '2' - '20' - '21' - '22' - '23' - '24' - '25' - '26' - '27' - '28' - '29' - '3' - '30' - id: '2222' ownerName: PATRICK & LORRAINE PURCHASER ownerAddress: 7195 BELMONT ST. PARLIN, NJ 08859 ownerAsOfDate: 1614880526 name: Checking number: XX1111 type: checking aggregationStatusCode: '0' currentBalance: 100000 availableBalance: 1000 balanceDate: 1614880526 transactions: - id: '00000005' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone - id: '00000006' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone analytics: - transactionalAttributes: - attributeName: CASH_OUTFLOW aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: CASH_INFLOW aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 5050 count: 100 mean: 50.5 median: 50.5 min: 1 max: 100 standardDeviation: 29.011491975882016 comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: - '10' - '72' - '78' - '16' - '25' - '67' - '27' - '15' - '36' - '75' - '88' - '57' - '51' - '30' - '66' - '87' - '61' - '6' - '82' - '48' - '40' projectedValues: [] streamIds: - e6dd352d-67d3-4a6c-a7a0-68f1e994bb22 streamConfidences: null - attributeName: INSURANCE_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: TAX_PAYMENTS aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: DISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NONDISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: RECURRING_EXPENSES aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: RECURRING_LOAN_PAYMENTS aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NSF_FEE_CHARGES aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null stateAttributes: - attributeName: MISSED_RECURRING_EXPENSES reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 0 count: 732 mean: 0 median: 0 min: 0 max: 0 standardDeviation: 0 comparedToCohorts: [] beginningValue: 0 endingValue: 0 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: MISSED_RECURRING_LOAN_PAYMENTS reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 0 count: 732 mean: 0 median: 0 min: 0 max: 0 standardDeviation: 0 comparedToCohorts: [] beginningValue: 0 endingValue: 0 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: PAYMENT_RISK_SCORE reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 19825 count: 732 mean: 27.083333333333332 median: 24 min: -1 max: 46 standardDeviation: 8.739575902668523 comparedToCohorts: [] beginningValue: -1 endingValue: 24 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: ASSET_BALANCE reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: -900726.9199999999 count: 732 mean: -1230.501256830601 median: -1192.56 min: -3804.56 max: 1234.44 standardDeviation: 1628.527991127309 comparedToCohorts: [] beginningValue: -3804.56 endingValue: 1234.44 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] streams: - id: e6dd352d-67d3-4a6c-a7a0-68f1e994bb22 payor: '0' payee: John Smith cadence: 7 status: inactive recency: 118 earliestObservedDate: '2022-09-18T00:00:00' latestObservedDate: '2024-09-13T00:00:00' count: 100 sum: 5050 min: 1 max: 100 mean: 50.5 median: 50.5 standardDeviation: 29.011491975882016 minimumCadence: 0 maximumCadence: 58 medianCadence: 4 modeCadence: 2 standardDeviationCadence: 9.261506907846133 transactionIds: - '0' - '1' - '10' - '11' - '12' - '13' - '14' - '15' - '16' - '17' - '18' - '19' - '2' - '20' - '21' - '22' - '23' - '24' - '25' - '26' - '27' - '28' - '29' - '3' - '30' customerAnalytics: transactionalAttributes: - attributeName: CASH_OUTFLOW aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: CASH_INFLOW aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 5050 count: 100 mean: 50.5 median: 50.5 min: 1 max: 100 standardDeviation: 29.011491975882016 comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: - '10' - '72' - '78' - '16' - '25' - '67' - '27' - '15' - '36' - '75' - '88' - '57' - '51' - '30' - '66' - '87' - '61' - '6' - '82' - '48' - '40' - '45' - '96' - '95' projectedValues: [] streamIds: - e6dd352d-67d3-4a6c-a7a0-68f1e994bb22 streamConfidences: null - attributeName: INSURANCE_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: TAX_PAYMENTS aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: DISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NONDISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: RECURRING_EXPENSES aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: RECURRING_LOAN_PAYMENTS aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NSF_FEE_CHARGES aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null stateAttributes: - attributeName: MISSED_RECURRING_EXPENSES reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 0 count: 732 mean: 0 median: 0 min: 0 max: 0 standardDeviation: 0 comparedToCohorts: [] beginningValue: 0 endingValue: 0 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: MISSED_RECURRING_LOAN_PAYMENTS reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 0 count: 732 mean: 0 median: 0 min: 0 max: 0 standardDeviation: 0 comparedToCohorts: [] beginningValue: 0 endingValue: 0 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: PAYMENT_RISK_SCORE reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 19825 count: 732 mean: 27.083333333333332 median: 24 min: -1 max: 46 standardDeviation: 8.739575902668523 comparedToCohorts: [] beginningValue: -1 endingValue: 24 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: ASSET_BALANCE reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: -900726.9199999999 count: 732 mean: -1230.501256830601 median: -1192.56 min: -3804.56 max: 1234.44 standardDeviation: 1628.527991127309 comparedToCohorts: [] beginningValue: -3804.56 endingValue: 1234.44 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] streams: - id: e6dd352d-67d3-4a6c-a7a0-68f1e994bb22 payor: '0' payee: John Smith cadence: 7 status: inactive recency: 118 earliestObservedDate: '2022-09-18T00:00:00' latestObservedDate: '2024-09-13T00:00:00' count: 100 sum: 5050 min: 1 max: 100 mean: 50.5 median: 50.5 standardDeviation: 29.011491975882016 minimumCadence: 0 maximumCadence: 58 medianCadence: 4 modeCadence: 2 standardDeviationCadence: 9.261506907846133 transactionIds: - '0' - '1' - '10' - '11' - '12' - '13' - '14' - '15' - '16' - '17' - '18' - '19' - '2' - '20' - '21' - '22' - '23' - '24' - '25' - '26' - '27' - '28' - '29' - '3' - '30' ResellerInvalidDateRangeGreaterThanEndDateExample: value: code: '10100' message: 'RESELLER_BILLING_REPORT: Invalid date range - startDate is greaterThan endDate' BothCraAndFtcPurposeTrueExample: value: code: '10100' status: '400' message: forCRAPurpose and forFTCPurpose may not both be TRUE. ResellerInvalidDateRangeLessThanZeroExample: value: code: '10100' message: 'RESELLER_BILLING_REPORT: Invalid date range - start or end date less than or equal to zero' BillingResellerReportExample: value: pageable: totalPages: 1 totalElements: 2 last: true sort: sorted: false unsorted: true empty: true size: 0 number: 0 numberOfElements: 2 first: true empty: false content: - reseller: resellerName resellerProvider: resellerProvider platformProvider: platformProvider customerId: 889079 consumerId: 3569a3ec3315e458e61f3c37ef9a3df4 consumerSsn: '1111' firstName: BarkFirst lastName: BarkLast lastFourReportId: twxe reportId: abcdeftwxe-voieTxVerify createdDate: 1560244594 reportType: voieTxVerify status: failure reportCustomFields: - label: Loan_ID value: asdf123lkj124j59fkfj shown: false - label: trackingNumber value: asdf123lkj124j59fkfj shown: false - reseller: '' resellerProvider: '' platformProvider: provider customerId: 889079 lastFourReportId: 7gg5 reportId: abcdef7gg5-voi createdDate: 1560244594 reportType: voi status: failure reportCustomFields: - label: Loan_ID value: asdf123lkj124j59fkfj shown: false BadCredentialsExample: value: code: '24302' message: Bad credentials InvalidForesightReportRequestExample: value: code: '10100' message: At least one of customerId or externalCustomerId must be provided; both are also allowed. InvalidValueExample: value: code: '1618' message: Negative or invalid value entered. Please use positive numbers only. InvalidFinicityAppTokenExample: value: code: '10022' message: Invalid (Finicity-App-Token) NoAccountForInstitutionLoginIdExample: value: code: '38007' message: Customer does not have any accounts associated with institutionLoginId. VOIReportExample: summary: VOI Report value: id: u4hstnnaewetr-voi customerId: 1000006677 consumerId: ac39e237c7619a4ecf014b8d399c0696 consumerSsn: '6789' consumerDetails: id: 3f7ff2cf0ffb3d0cd59875e070c9b1d4 firstName: John middleName: Doe lastName: Jane address: 123 Marple Street city: Anytown state: PA zip: '17101' phone: '5551234567' ssn: '1234' email: john.doe@example.com disputeStatement: Invalid data present. requesterName: Decisioning API endUser: name: ABC Apartments address: 123 Main St city: Murray state: UT zip: '84123' phone: 555-2106 email: customerservice@example.com url: example.com requestId: sfb7xp4wer type: voi status: success createdDate: 1588350269 customerType: active title: Mastercard Open Banking Verification of Income startDate: 1572625469 endDate: 1588350269 days: 200 seasoned: true portfolioId: dyr6qvqd2erw-1-port institutions: id: 101732 name: FinBank urlHomeApp: https://finbank.prod.fini.city/CCBankImageMFA/login.jsp accounts: id: 1000023996 number: '1111' ownerName: JOHN DOE ownerAddress: 924 GAINSVILLE HIGHWAY SUITE 130 BUFORD, GA 30518 ownerAsOfDate: 1577986990 name: Checking type: checking aggregationStatusCode: 0 incomeStreams: id: dens28i3vsch-voi1 name: none status: ACTIVE estimateInclusion: MODERATE confidence: 70 cadence: startDate: 1577986990 stopDate: 1587986990 days: 14 netMonthly: - month: 1522562400 net: 2004.77 gross: 2400.0 netAnnual: 110475.7 projectedNetAnnual: 0 estimatedGrossAnnual: 0 projectedGrossAnnual: 151609 averageMonthlyIncomeNet: 9206.31 averageMonthlyIncomeGross: 11300.0 incomeStreamMonths: 18 transactions: - id: 100000527471 amount: 22.21 postedDate: 1582286400 description: FINICITY INC PAYROLL memo: Finicity amount credit institutionTransactionId: '100000000' category: Paycheck balance: 714.16 averageMonthlyBalance: 720.75 transactions: [] availableBalance: 714.16 currentBalance: 714.16 beginningBalance: 714.77 miscDeposits: - id: 100000527471 amount: 22.21 postedDate: 1582286400 description: FINICITY INC PAYROLL memo: Finicity amount credit institutionTransactionId: '100000000' category: Paycheck income: - confidenceType: MODERATE netMonthly: - month: 1522562400 net: 2004.77 gross: 2400.0 averageMonthlyIncomeNet: 9206.31 averageMonthlyIncomeGross: 11300.0 incomeEstimate: netAnnual: 1000.12 projectedNetAnnual: 1500.23 estimatedGrossAnnual: 2000.12 projectedGrossAnnual: 2500.23 ResellerNoDataForPartnerExample: value: code: '10100' message: 'RESELLER_BILLING_REPORT: Reports not found 2445583947903 resellerBilling reports' ResellerInvalidDateRangeExample: value: code: '10100' message: 'RESELLER_BILLING_REPORT: Invalid date range - start or end date is empty or null' PaymentHistoryBusinessFtcAnalyticsReportResponseExample: value: id: sd1j45yn37wr-phrbftc customerType: active customerId: 1275320 requestId: 7a7qyps2iy requesterName: Decisioning API businessDetails: id: 123 name: Name1 address: addressLine1: 2020 State Street addressLine2: Suite 301 city: Salt Lake City state: Utah country: USA postalCode: 84116 constraints: analyticsReportData: forCraPurpose: false forFtcPurpose: true applicantIsPersonalGuarantor: false timeIntervalTypes: - HISTORICALLY type: phrbftc status: success createdDate: 1579819592 reportRefreshNumber: 2 originalReportCreatedDate: 1607450357 startDate: 1512594823 endDate: 1575666823 days: 730 institutions: - id: '102105' name: FinBank Profiles urlHomeApp: http://www.finbank.com accounts: - id: '1111' ownerName: PATRICK & LORRAINE PURCHASER ownerAddress: 7195 BELMONT ST. PARLIN, NJ 08859 ownerAsOfDate: 1579819592 name: Checking number: XX1111 type: checking aggregationStatusCode: '0' currentBalance: 100000 availableBalance: 1000 balanceDate: 1614880526 transactions: - id: '00000001' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone - id: '00000002' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone analytics: transactionalAttributes: - attributeName: CASH_OUTFLOW aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: CASH_INFLOW aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 5050 count: 100 mean: 50.5 median: 50.5 min: 1 max: 100 standardDeviation: 29.011491975882016 comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: - '10' - '72' - '78' - '16' - '25' - '67' - '27' - '15' - '36' - '75' - '88' - '57' - '51' - '30' - '66' - '87' - '61' - '6' - '82' - '48' - '40' projectedValues: [] streamIds: - e6dd352d-67d3-4a6c-a7a0-68f1e994bb22 streamConfidences: null - attributeName: INSURANCE_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: TAX_PAYMENTS aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: DISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NONDISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: RECURRING_EXPENSES aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: RECURRING_LOAN_PAYMENTS aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NSF_FEE_CHARGES aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null stateAttributes: - attributeName: MISSED_RECURRING_EXPENSES reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 0 count: 732 mean: 0 median: 0 min: 0 max: 0 standardDeviation: 0 comparedToCohorts: [] beginningValue: 0 endingValue: 0 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: MISSED_RECURRING_LOAN_PAYMENTS reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 0 count: 732 mean: 0 median: 0 min: 0 max: 0 standardDeviation: 0 comparedToCohorts: [] beginningValue: 0 endingValue: 0 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: PAYMENT_RISK_SCORE reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 19825 count: 732 mean: 27.083333333333332 median: 24 min: -1 max: 46 standardDeviation: 8.739575902668523 comparedToCohorts: [] beginningValue: -1 endingValue: 24 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: ASSET_BALANCE reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: -900726.9199999999 count: 732 mean: -1230.501256830601 median: -1192.56 min: -3804.56 max: 1234.44 standardDeviation: 1628.527991127309 comparedToCohorts: [] beginningValue: -3804.56 endingValue: 1234.44 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] streams: - id: e6dd352d-67d3-4a6c-a7a0-68f1e994bb22 payor: '0' payee: John Smith cadence: 7 status: inactive recency: 118 earliestObservedDate: '2022-09-18T00:00:00' latestObservedDate: '2024-09-13T00:00:00' count: 100 sum: 5050 min: 1 max: 100 mean: 50.5 median: 50.5 standardDeviation: 29.011491975882016 minimumCadence: 0 maximumCadence: 58 medianCadence: 4 modeCadence: 2 standardDeviationCadence: 9.261506907846133 transactionIds: - '0' - '1' - '10' - '11' - '12' - '13' - '14' - '15' - '16' - '17' - '18' - '19' - '2' - '20' - '21' - '22' - '23' - '24' - '25' - '26' - '27' - '28' - '29' - '3' - '30' - id: '2222' ownerName: PATRICK & LORRAINE PURCHASER ownerAddress: 7195 BELMONT ST. PARLIN, NJ 08859 ownerAsOfDate: 1579819592 name: Checking number: XX1111 type: checking aggregationStatusCode: '0' currentBalance: 100000 availableBalance: 1000 balanceDate: 1614880526 transactions: - id: '00000005' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone - id: '00000006' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone analytics: transactionalAttributes: - attributeName: CASH_OUTFLOW aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: CASH_INFLOW aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 5050 count: 100 mean: 50.5 median: 50.5 min: 1 max: 100 standardDeviation: 29.011491975882016 comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: - '10' - '72' - '78' - '16' - '25' - '67' - '27' - '15' - '36' - '75' - '88' - '57' - '51' - '30' - '66' - '87' - '61' - '6' - '82' - '48' - '40' projectedValues: [] streamIds: - e6dd352d-67d3-4a6c-a7a0-68f1e994bb22 streamConfidences: null - attributeName: INSURANCE_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: TAX_PAYMENTS aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: DISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NONDISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: RECURRING_EXPENSES aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: RECURRING_LOAN_PAYMENTS aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NSF_FEE_CHARGES aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null stateAttributes: - attributeName: MISSED_RECURRING_EXPENSES reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 0 count: 732 mean: 0 median: 0 min: 0 max: 0 standardDeviation: 0 comparedToCohorts: [] beginningValue: 0 endingValue: 0 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: MISSED_RECURRING_LOAN_PAYMENTS reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 0 count: 732 mean: 0 median: 0 min: 0 max: 0 standardDeviation: 0 comparedToCohorts: [] beginningValue: 0 endingValue: 0 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: PAYMENT_RISK_SCORE reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 19825 count: 732 mean: 27.083333333333332 median: 24 min: -1 max: 46 standardDeviation: 8.739575902668523 comparedToCohorts: [] beginningValue: -1 endingValue: 24 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: ASSET_BALANCE reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: -900726.9199999999 count: 732 mean: -1230.501256830601 median: -1192.56 min: -3804.56 max: 1234.44 standardDeviation: 1628.527991127309 comparedToCohorts: [] beginningValue: -3804.56 endingValue: 1234.44 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] streams: - id: e6dd352d-67d3-4a6c-a7a0-68f1e994bb22 payor: '0' payee: John Smith cadence: 7 status: inactive recency: 118 earliestObservedDate: '2022-09-18T00:00:00' latestObservedDate: '2024-09-13T00:00:00' count: 100 sum: 5050 min: 1 max: 100 mean: 50.5 median: 50.5 standardDeviation: 29.011491975882016 minimumCadence: 0 maximumCadence: 58 medianCadence: 4 modeCadence: 2 standardDeviationCadence: 9.261506907846133 transactionIds: - '0' - '1' - '10' - '11' - '12' - '13' - '14' - '15' - '16' - '17' - '18' - '19' - '2' - '20' - '21' - '22' - '23' - '24' - '25' - '26' - '27' - '28' - '29' - '3' - '30' customerAnalytics: transactionalAttributes: - attributeName: CASH_OUTFLOW aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: CASH_INFLOW aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 5050 count: 100 mean: 50.5 median: 50.5 min: 1 max: 100 standardDeviation: 29.011491975882016 comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: - '10' - '72' - '78' - '16' - '25' - '67' - '27' - '15' - '36' - '75' - '88' - '57' - '51' - '30' - '66' - '87' - '61' - '6' - '82' - '48' - '40' - '45' - '96' - '95' projectedValues: [] streamIds: - e6dd352d-67d3-4a6c-a7a0-68f1e994bb22 streamConfidences: null - attributeName: INSURANCE_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: TAX_PAYMENTS aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: DISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NONDISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: RECURRING_EXPENSES aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: RECURRING_LOAN_PAYMENTS aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NSF_FEE_CHARGES aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null stateAttributes: - attributeName: MISSED_RECURRING_EXPENSES reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 0 count: 732 mean: 0 median: 0 min: 0 max: 0 standardDeviation: 0 comparedToCohorts: [] beginningValue: 0 endingValue: 0 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: MISSED_RECURRING_LOAN_PAYMENTS reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 0 count: 732 mean: 0 median: 0 min: 0 max: 0 standardDeviation: 0 comparedToCohorts: [] beginningValue: 0 endingValue: 0 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: PAYMENT_RISK_SCORE reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 19825 count: 732 mean: 27.083333333333332 median: 24 min: -1 max: 46 standardDeviation: 8.739575902668523 comparedToCohorts: [] beginningValue: -1 endingValue: 24 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: ASSET_BALANCE reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: -900726.9199999999 count: 732 mean: -1230.501256830601 median: -1192.56 min: -3804.56 max: 1234.44 standardDeviation: 1628.527991127309 comparedToCohorts: [] beginningValue: -3804.56 endingValue: 1234.44 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] streams: - id: e6dd352d-67d3-4a6c-a7a0-68f1e994bb22 payor: '0' payee: John Smith cadence: 7 status: inactive recency: 118 earliestObservedDate: '2022-09-18T00:00:00' latestObservedDate: '2024-09-13T00:00:00' count: 100 sum: 5050 min: 1 max: 100 mean: 50.5 median: 50.5 standardDeviation: 29.011491975882016 minimumCadence: 0 maximumCadence: 58 medianCadence: 4 modeCadence: 2 standardDeviationCadence: 9.261506907846133 transactionIds: - '0' - '1' - '10' - '11' - '12' - '13' - '14' - '15' - '16' - '17' - '18' - '19' - '2' - '20' - '21' - '22' - '23' - '24' - '25' - '26' - '27' - '28' - '29' - '3' - '30' PaymentRiskInsightsBusinessNonCRAReportResponseExample: value: id: sd1j45yn37wr-pribnoncra customerType: active customerId: 1275320 requestId: 7a7qyps2iy requesterName: Decisioning API endUser: name: ABC Apartments address: 123 Main St city: Murray state: UT zip: '84123' phone: 1-801-443-7288 email: customerservice@abcapartments.com url: abcapartments.com title: Mastercard Open Banking Payment Risk Insights disputeStatement: Invalid data present. businessDetails: businessId: 123 name: Name1 address: addressLine1: 2020 State Street addressLine2: Suite 301 city: Salt Lake City state: Utah country: USA postalCode: 84116 constraints: analyticsReportData: forCraPurpose: false forFtcPurpose: false applicantIsPersonalGuarantor: false timeIntervalTypes: - HISTORICALLY type: pribnoncra status: success createdDate: 1579819592 reportRefreshNumber: 2 originalReportCreatedDate: 1607450357 startDate: 1512594823 endDate: 1575666823 days: 730 institutions: - id: '102105' name: FinBank Profiles urlHomeApp: http://www.finbank.com accounts: - id: '1111' ownerName: PATRICK & LORRAINE PURCHASER ownerAddress: 7195 BELMONT ST. PARLIN, NJ 08859 ownerAsOfDate: 1614880526 name: Checking number: XX1111 type: checking aggregationStatusCode: '0' currentBalance: 100000 availableBalance: 1000 balanceDate: 1614880526 transactions: - id: '00000001' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone - id: '00000002' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone analytics: - transactionalAttributes: - attributeName: CASH_OUTFLOW aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: CASH_INFLOW aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 5050 count: 100 mean: 50.5 median: 50.5 min: 1 max: 100 standardDeviation: 29.011491975882016 comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: - '10' - '72' - '78' - '16' - '25' - '67' - '27' - '15' - '36' - '75' - '88' - '57' - '51' - '30' - '66' - '87' - '61' - '6' - '82' - '48' - '40' projectedValues: [] streamIds: - e6dd352d-67d3-4a6c-a7a0-68f1e994bb22 streamConfidences: null - attributeName: INSURANCE_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: TAX_PAYMENTS aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: DISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NONDISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: RECURRING_EXPENSES aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: RECURRING_LOAN_PAYMENTS aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NSF_FEE_CHARGES aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null stateAttributes: - attributeName: MISSED_RECURRING_EXPENSES reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 0 count: 732 mean: 0 median: 0 min: 0 max: 0 standardDeviation: 0 comparedToCohorts: [] beginningValue: 0 endingValue: 0 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: MISSED_RECURRING_LOAN_PAYMENTS reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 0 count: 732 mean: 0 median: 0 min: 0 max: 0 standardDeviation: 0 comparedToCohorts: [] beginningValue: 0 endingValue: 0 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: PAYMENT_RISK_SCORE reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 19825 count: 732 mean: 27.083333333333332 median: 24 min: -1 max: 46 standardDeviation: 8.739575902668523 comparedToCohorts: [] beginningValue: -1 endingValue: 24 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: ASSET_BALANCE reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: -900726.9199999999 count: 732 mean: -1230.501256830601 median: -1192.56 min: -3804.56 max: 1234.44 standardDeviation: 1628.527991127309 comparedToCohorts: [] beginningValue: -3804.56 endingValue: 1234.44 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] streams: - id: e6dd352d-67d3-4a6c-a7a0-68f1e994bb22 payor: '0' payee: John Smith cadence: 7 status: inactive recency: 118 earliestObservedDate: '2022-09-18T00:00:00' latestObservedDate: '2024-09-13T00:00:00' count: 100 sum: 5050 min: 1 max: 100 mean: 50.5 median: 50.5 standardDeviation: 29.011491975882016 minimumCadence: 0 maximumCadence: 58 medianCadence: 4 modeCadence: 2 standardDeviationCadence: 9.261506907846133 transactionIds: - '0' - '1' - '10' - '11' - '12' - '13' - '14' - '15' - '16' - '17' - '18' - '19' - '2' - '20' - '21' - '22' - '23' - '24' - '25' - '26' - '27' - '28' - '29' - '3' - '30' - id: '2222' ownerName: PATRICK & LORRAINE PURCHASER ownerAddress: 7195 BELMONT ST. PARLIN, NJ 08859 ownerAsOfDate: 1614880526 name: Checking number: XX1111 type: checking aggregationStatusCode: '0' currentBalance: 100000 availableBalance: 1000 balanceDate: 1614880526 transactions: - id: '00000005' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone - id: '00000006' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone analytics: - transactionalAttributes: - attributeName: CASH_OUTFLOW aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: CASH_INFLOW aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 5050 count: 100 mean: 50.5 median: 50.5 min: 1 max: 100 standardDeviation: 29.011491975882016 comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: - '10' - '72' - '78' - '16' - '25' - '67' - '27' - '15' - '36' - '75' - '88' - '57' - '51' - '30' - '66' - '87' - '61' - '6' - '82' - '48' - '40' projectedValues: [] streamIds: - e6dd352d-67d3-4a6c-a7a0-68f1e994bb22 streamConfidences: null - attributeName: INSURANCE_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: TAX_PAYMENTS aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: DISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NONDISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: RECURRING_EXPENSES aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: RECURRING_LOAN_PAYMENTS aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NSF_FEE_CHARGES aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null stateAttributes: - attributeName: MISSED_RECURRING_EXPENSES reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 0 count: 732 mean: 0 median: 0 min: 0 max: 0 standardDeviation: 0 comparedToCohorts: [] beginningValue: 0 endingValue: 0 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: MISSED_RECURRING_LOAN_PAYMENTS reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 0 count: 732 mean: 0 median: 0 min: 0 max: 0 standardDeviation: 0 comparedToCohorts: [] beginningValue: 0 endingValue: 0 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: PAYMENT_RISK_SCORE reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 19825 count: 732 mean: 27.083333333333332 median: 24 min: -1 max: 46 standardDeviation: 8.739575902668523 comparedToCohorts: [] beginningValue: -1 endingValue: 24 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: ASSET_BALANCE reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: -900726.9199999999 count: 732 mean: -1230.501256830601 median: -1192.56 min: -3804.56 max: 1234.44 standardDeviation: 1628.527991127309 comparedToCohorts: [] beginningValue: -3804.56 endingValue: 1234.44 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] streams: - id: e6dd352d-67d3-4a6c-a7a0-68f1e994bb22 payor: '0' payee: John Smith cadence: 7 status: inactive recency: 118 earliestObservedDate: '2022-09-18T00:00:00' latestObservedDate: '2024-09-13T00:00:00' count: 100 sum: 5050 min: 1 max: 100 mean: 50.5 median: 50.5 standardDeviation: 29.011491975882016 minimumCadence: 0 maximumCadence: 58 medianCadence: 4 modeCadence: 2 standardDeviationCadence: 9.261506907846133 transactionIds: - '0' - '1' - '10' - '11' - '12' - '13' - '14' - '15' - '16' - '17' - '18' - '19' - '2' - '20' - '21' - '22' - '23' - '24' - '25' - '26' - '27' - '28' - '29' - '3' - '30' customerAnalytics: transactionalAttributes: - attributeName: CASH_OUTFLOW aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: CASH_INFLOW aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 5050 count: 100 mean: 50.5 median: 50.5 min: 1 max: 100 standardDeviation: 29.011491975882016 comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: - '10' - '72' - '78' - '16' - '25' - '67' - '27' - '15' - '36' - '75' - '88' - '57' - '51' - '30' - '66' - '87' - '61' - '6' - '82' - '48' - '40' - '45' - '96' - '95' projectedValues: [] streamIds: - e6dd352d-67d3-4a6c-a7a0-68f1e994bb22 streamConfidences: null - attributeName: INSURANCE_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: TAX_PAYMENTS aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: DISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NONDISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: RECURRING_EXPENSES aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: RECURRING_LOAN_PAYMENTS aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NSF_FEE_CHARGES aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null stateAttributes: - attributeName: MISSED_RECURRING_EXPENSES reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 0 count: 732 mean: 0 median: 0 min: 0 max: 0 standardDeviation: 0 comparedToCohorts: [] beginningValue: 0 endingValue: 0 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: MISSED_RECURRING_LOAN_PAYMENTS reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 0 count: 732 mean: 0 median: 0 min: 0 max: 0 standardDeviation: 0 comparedToCohorts: [] beginningValue: 0 endingValue: 0 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: PAYMENT_RISK_SCORE reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 19825 count: 732 mean: 27.083333333333332 median: 24 min: -1 max: 46 standardDeviation: 8.739575902668523 comparedToCohorts: [] beginningValue: -1 endingValue: 24 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: ASSET_BALANCE reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: -900726.9199999999 count: 732 mean: -1230.501256830601 median: -1192.56 min: -3804.56 max: 1234.44 standardDeviation: 1628.527991127309 comparedToCohorts: [] beginningValue: -3804.56 endingValue: 1234.44 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] streams: - id: e6dd352d-67d3-4a6c-a7a0-68f1e994bb22 payor: '0' payee: John Smith cadence: 7 status: inactive recency: 118 earliestObservedDate: '2022-09-18T00:00:00' latestObservedDate: '2024-09-13T00:00:00' count: 100 sum: 5050 min: 1 max: 100 mean: 50.5 median: 50.5 standardDeviation: 29.011491975882016 minimumCadence: 0 maximumCadence: 58 medianCadence: 4 modeCadence: 2 standardDeviationCadence: 9.261506907846133 transactionIds: - '0' - '1' - '10' - '11' - '12' - '13' - '14' - '15' - '16' - '17' - '18' - '19' - '2' - '20' - '21' - '22' - '23' - '24' - '25' - '26' - '27' - '28' - '29' - '3' - '30' LenderRequestExample: value: purpose: '31' PaymentHistoryBusinessCraAnalyticsReportResponseExample: value: id: sd1j45yn37wr-phrbcra customerType: active customerId: 1275320 requestId: 7a7qyps2iy requesterName: Decisioning API endUser: name: ABC Apartments address: 123 Main St city: Murray state: UT zip: '84123' phone: 1-801-443-7288 email: customerservice@example.com url: example.com title: Mastercard Open Banking Payment History Analytics consumerId: 3f7ff2cf0ffb3d0cd59875e070c9b1d4 consumerSsn: '1234' consumerDetails: id: 3f7ff2cf0ffb3d0cd59875e070c9b1d4 firstName: John middleName: Doe lastName: Jane address: 123 Marple Street city: Anytown state: PA zip: '17101' phone: '5551234567' ssn: '1234' email: john.doe@example.com disputeStatement: Invalid data present. businessDetails: id: 123 name: Name1 address: addressLine1: 2020 State Street addressLine2: Suite 301 city: Salt Lake City state: Utah country: USA postalCode: 84116 constraints: analyticsReportData: forCraPurpose: true forFtcPurpose: false applicantIsPersonalGuarantor: true timeIntervalTypes: - HISTORICALLY type: phrbcra status: success createdDate: 1579819592 reportRefreshNumber: 2 originalReportCreatedDate: 1607450357 startDate: 1512594823 endDate: 1575666823 days: 730 institutions: - id: '102105' name: FinBank Profiles urlHomeApp: http://www.finbank.com accounts: - id: '1111' ownerName: PATRICK & LORRAINE PURCHASER ownerAddress: 7195 BELMONT ST. PARLIN, NJ 08859 ownerAsOfDate: 1579819592 name: Checking number: XX1111 type: checking aggregationStatusCode: '0' currentBalance: 100000 availableBalance: 1000 balanceDate: 1614880526 transactions: - id: '00000001' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone - id: '00000002' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone analytics: transactionalAttributes: - attributeName: CASH_OUTFLOW aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: CASH_INFLOW aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 5050 count: 100 mean: 50.5 median: 50.5 min: 1 max: 100 standardDeviation: 29.011491975882016 comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: - '10' - '72' - '78' - '16' - '25' - '67' - '27' - '15' - '36' - '75' - '88' - '57' - '51' - '30' - '66' - '87' - '61' - '6' - '82' - '48' - '40' projectedValues: [] streamIds: - e6dd352d-67d3-4a6c-a7a0-68f1e994bb22 streamConfidences: null - attributeName: INSURANCE_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: TAX_PAYMENTS aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: DISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NONDISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: RECURRING_EXPENSES aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: RECURRING_LOAN_PAYMENTS aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NSF_FEE_CHARGES aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null stateAttributes: - attributeName: MISSED_RECURRING_EXPENSES reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 0 count: 732 mean: 0 median: 0 min: 0 max: 0 standardDeviation: 0 comparedToCohorts: [] beginningValue: 0 endingValue: 0 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: MISSED_RECURRING_LOAN_PAYMENTS reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 0 count: 732 mean: 0 median: 0 min: 0 max: 0 standardDeviation: 0 comparedToCohorts: [] beginningValue: 0 endingValue: 0 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: PAYMENT_RISK_SCORE reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 19825 count: 732 mean: 27.083333333333332 median: 24 min: -1 max: 46 standardDeviation: 8.739575902668523 comparedToCohorts: [] beginningValue: -1 endingValue: 24 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: ASSET_BALANCE reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: -900726.9199999999 count: 732 mean: -1230.501256830601 median: -1192.56 min: -3804.56 max: 1234.44 standardDeviation: 1628.527991127309 comparedToCohorts: [] beginningValue: -3804.56 endingValue: 1234.44 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] streams: - id: e6dd352d-67d3-4a6c-a7a0-68f1e994bb22 payor: '0' payee: John Smith cadence: 7 status: inactive recency: 118 earliestObservedDate: '2022-09-18T00:00:00' latestObservedDate: '2024-09-13T00:00:00' count: 100 sum: 5050 min: 1 max: 100 mean: 50.5 median: 50.5 standardDeviation: 29.011491975882016 minimumCadence: 0 maximumCadence: 58 medianCadence: 4 modeCadence: 2 standardDeviationCadence: 9.261506907846133 transactionIds: - '0' - '1' - '10' - '11' - '12' - '13' - '14' - '15' - '16' - '17' - '18' - '19' - '2' - '20' - '21' - '22' - '23' - '24' - '25' - '26' - '27' - '28' - '29' - '3' - '30' - id: '2222' ownerName: PATRICK & LORRAINE PURCHASER ownerAddress: 7195 BELMONT ST. PARLIN, NJ 08859 ownerAsOfDate: 1579819592 name: Checking number: XX1111 type: checking aggregationStatusCode: '0' currentBalance: 100000 availableBalance: 1000 balanceDate: 1614880526 transactions: - id: '00000005' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone - id: '00000006' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone analytics: transactionalAttributes: - attributeName: CASH_OUTFLOW aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: CASH_INFLOW aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 5050 count: 100 mean: 50.5 median: 50.5 min: 1 max: 100 standardDeviation: 29.011491975882016 comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: - '10' - '72' - '78' - '16' - '25' - '67' - '27' - '15' - '36' - '75' - '88' - '57' - '51' - '30' - '66' - '87' - '61' - '6' - '82' - '48' - '40' projectedValues: [] streamIds: - e6dd352d-67d3-4a6c-a7a0-68f1e994bb22 streamConfidences: null - attributeName: INSURANCE_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: TAX_PAYMENTS aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: DISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NONDISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: RECURRING_EXPENSES aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: RECURRING_LOAN_PAYMENTS aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NSF_FEE_CHARGES aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null stateAttributes: - attributeName: MISSED_RECURRING_EXPENSES reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 0 count: 732 mean: 0 median: 0 min: 0 max: 0 standardDeviation: 0 comparedToCohorts: [] beginningValue: 0 endingValue: 0 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: MISSED_RECURRING_LOAN_PAYMENTS reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 0 count: 732 mean: 0 median: 0 min: 0 max: 0 standardDeviation: 0 comparedToCohorts: [] beginningValue: 0 endingValue: 0 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: PAYMENT_RISK_SCORE reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 19825 count: 732 mean: 27.083333333333332 median: 24 min: -1 max: 46 standardDeviation: 8.739575902668523 comparedToCohorts: [] beginningValue: -1 endingValue: 24 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: ASSET_BALANCE reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: -900726.9199999999 count: 732 mean: -1230.501256830601 median: -1192.56 min: -3804.56 max: 1234.44 standardDeviation: 1628.527991127309 comparedToCohorts: [] beginningValue: -3804.56 endingValue: 1234.44 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] streams: - id: e6dd352d-67d3-4a6c-a7a0-68f1e994bb22 payor: '0' payee: John Smith cadence: 7 status: inactive recency: 118 earliestObservedDate: '2022-09-18T00:00:00' latestObservedDate: '2024-09-13T00:00:00' count: 100 sum: 5050 min: 1 max: 100 mean: 50.5 median: 50.5 standardDeviation: 29.011491975882016 minimumCadence: 0 maximumCadence: 58 medianCadence: 4 modeCadence: 2 standardDeviationCadence: 9.261506907846133 transactionIds: - '0' - '1' - '10' - '11' - '12' - '13' - '14' - '15' - '16' - '17' - '18' - '19' - '2' - '20' - '21' - '22' - '23' - '24' - '25' - '26' - '27' - '28' - '29' - '3' - '30' customerAnalytics: transactionalAttributes: - attributeName: CASH_OUTFLOW aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: CASH_INFLOW aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 5050 count: 100 mean: 50.5 median: 50.5 min: 1 max: 100 standardDeviation: 29.011491975882016 comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: - '10' - '72' - '78' - '16' - '25' - '67' - '27' - '15' - '36' - '75' - '88' - '57' - '51' - '30' - '66' - '87' - '61' - '6' - '82' - '48' - '40' - '45' - '96' - '95' projectedValues: [] streamIds: - e6dd352d-67d3-4a6c-a7a0-68f1e994bb22 streamConfidences: null - attributeName: INSURANCE_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: TAX_PAYMENTS aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: DISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NONDISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: RECURRING_EXPENSES aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: RECURRING_LOAN_PAYMENTS aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NSF_FEE_CHARGES aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null stateAttributes: - attributeName: MISSED_RECURRING_EXPENSES reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 0 count: 732 mean: 0 median: 0 min: 0 max: 0 standardDeviation: 0 comparedToCohorts: [] beginningValue: 0 endingValue: 0 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: MISSED_RECURRING_LOAN_PAYMENTS reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 0 count: 732 mean: 0 median: 0 min: 0 max: 0 standardDeviation: 0 comparedToCohorts: [] beginningValue: 0 endingValue: 0 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: PAYMENT_RISK_SCORE reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 19825 count: 732 mean: 27.083333333333332 median: 24 min: -1 max: 46 standardDeviation: 8.739575902668523 comparedToCohorts: [] beginningValue: -1 endingValue: 24 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: ASSET_BALANCE reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: -900726.9199999999 count: 732 mean: -1230.501256830601 median: -1192.56 min: -3804.56 max: 1234.44 standardDeviation: 1628.527991127309 comparedToCohorts: [] beginningValue: -3804.56 endingValue: 1234.44 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] streams: - id: e6dd352d-67d3-4a6c-a7a0-68f1e994bb22 payor: '0' payee: John Smith cadence: 7 status: inactive recency: 118 earliestObservedDate: '2022-09-18T00:00:00' latestObservedDate: '2024-09-13T00:00:00' count: 100 sum: 5050 min: 1 max: 100 mean: 50.5 median: 50.5 standardDeviation: 29.011491975882016 minimumCadence: 0 maximumCadence: 58 medianCadence: 4 modeCadence: 2 standardDeviationCadence: 9.261506907846133 transactionIds: - '0' - '1' - '10' - '11' - '12' - '13' - '14' - '15' - '16' - '17' - '18' - '19' - '2' - '20' - '21' - '22' - '23' - '24' - '25' - '26' - '27' - '28' - '29' - '3' - '30' ForesightAnalyticsNonCraReportResponseExample: value: id: 247th25xwyhd-farpbfnoncra customerType: testing customerId: 1001483250 requestId: y3pic4xhda requesterName: Intuit Facade Demo (KEEP) createdDate: 1739824892 title: Mastercard Open Banking Foresight Analytics reportPin: XYeyLA type: farpbfnoncra status: success constraints: analyticsReportData: forCraPurpose: false timeIntervalTypes: - MONTHLY_CALENDAR segments: geolocation: - label: POSTAL_CODE value: 84123 analytics: - benchmarking - forecasting income: 1000 age: 25 startDate: 1676666492 endDate: 1739824892 days: 731 institutions: - id: 101732 name: FinBank urlHomeApp: https://finbank.prod.fini.city/CCBankImageMFA/login.jsp accounts: - id: 1005179748 name: Credit Card number: '7777' type: creditCard aggregationStatusCode: 0 currentBalance: 217.41 balanceDate: 1739824918 analytics: transactionalAttributes: - attributeName: ACCOMMODATION_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: -382.92 count: 1 mean: -382.92 median: -382.92 min: -382.92 max: -382.92 standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: - '1' projectedValues: [] streamIds: [] streamConfidences: null - attributeName: ENTERTAINMENT_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: FUEL_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: BOOKS_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: COMMUNICATION_SERVICES_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: CONSUMER_ELECTRONICS_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: PHARMACY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: EATING_PLACES_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: CLOTHING_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: -82.92 count: 1 mean: -82.92 median: -82.92 min: -82.92 max: -82.92 standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: - '2' projectedValues: [] streamIds: [] streamConfidences: null - attributeName: FINANCIAL_SERVICES_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: GROCERIES_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: HEALTH_BEAUTY_MEDICAL_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: HOME_IMPROVEMENT_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: INSURANCE_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: TRAVEL_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: UTILITIES_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: DISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: -382.92 count: 1 mean: -382.92 median: -382.92 min: -382.92 max: -382.92 standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: - '1' projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NONDISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: -82.92 count: 1 mean: -82.92 median: -82.92 min: -82.92 max: -82.92 standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: - '2' projectedValues: [] streamIds: [] streamConfidences: null stateAttributes: [] streams: - id: d5740963-b2d7-4ac9-a5a2-7ba323bfa14b payor: Account Owner (Name Unavailable) payee: td ameritrade cadence: 0 status: inactive recency: 639 earliestObservedDate: '2023-04-25T07:12:33' latestObservedDate: '2023-05-01T07:12:33' count: 2 sum: -465.84 min: -382.92 max: -82.92 mean: -232.92 median: -232.92 standardDeviation: 212.13203435596427 minimumCadence: null maximumCadence: null medianCadence: null modeCadence: null standardDeviationCadence: null transactionIds: - '1' - '2' currency: USD - id: 1005179749 name: Savings number: '2222' type: savings aggregationStatusCode: 0 currentBalance: 217.42 availableBalance: 217.42 balanceDate: 1739824929 analytics: transactionalAttributes: - attributeName: ACCOMMODATION_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: -382.92 count: 1 mean: -382.92 median: -382.92 min: -382.92 max: -382.92 standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: - '1' projectedValues: [] streamIds: [] streamConfidences: null - attributeName: ENTERTAINMENT_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: FUEL_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: BOOKS_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: COMMUNICATION_SERVICES_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: CONSUMER_ELECTRONICS_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: PHARMACY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: EATING_PLACES_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: CLOTHING_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: -82.92 count: 1 mean: -82.92 median: -82.92 min: -82.92 max: -82.92 standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: - '2' projectedValues: [] streamIds: [] streamConfidences: null - attributeName: FINANCIAL_SERVICES_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: GROCERIES_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: HEALTH_BEAUTY_MEDICAL_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: HOME_IMPROVEMENT_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - 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id: d5740963-b2d7-4ac9-a5a2-7ba323bfa14b payor: Account Owner (Name Unavailable) payee: td ameritrade cadence: 0 status: inactive recency: 639 earliestObservedDate: '2023-04-25T07:12:33' latestObservedDate: '2023-05-01T07:12:33' count: 2 sum: -465.84 min: -382.92 max: -82.92 mean: -232.92 median: -232.92 standardDeviation: 212.13203435596427 minimumCadence: null maximumCadence: null medianCadence: null modeCadence: null standardDeviationCadence: null transactionIds: - '1' - '2' currency: USD oauthEnabled: false customerAnalytics: transactionalAttributes: - attributeName: ACCOMMODATION_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: -382.92 count: 1 mean: -382.92 median: -382.92 min: -382.92 max: -382.92 standardDeviation: null comparedToCohorts: - cohortType: POSTAL_CODE totalDifferenceToCohort: -260.61 percentageDifferenceToCohort: -213.07 cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: - cohortType: POSTAL_CODE value: -122.31 transactionIds: - '1' projectedValues: - timeUnit: MONTHS timeValue: 3 projectionValue: -20 - timeUnit: MONTHS timeValue: 6 projectionValue: -40 - timeUnit: MONTHS timeValue: 9 projectionValue: -60 - timeUnit: MONTHS timeValue: 12 projectionValue: -80 streamIds: [] streamConfidences: null - attributeName: ENTERTAINMENT_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: - cohortType: POSTAL_CODE value: -180.55 transactionIds: [] projectedValues: - timeUnit: MONTHS timeValue: 3 projectionValue: -20 - timeUnit: MONTHS timeValue: 6 projectionValue: -40 - timeUnit: MONTHS timeValue: 9 projectionValue: -60 - timeUnit: MONTHS timeValue: 12 projectionValue: -80 streamIds: [] streamConfidences: null - attributeName: FUEL_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: - cohortType: POSTAL_CODE value: -89.14 transactionIds: [] projectedValues: - timeUnit: MONTHS timeValue: 3 projectionValue: -20 - timeUnit: MONTHS timeValue: 6 projectionValue: -40 - timeUnit: MONTHS timeValue: 9 projectionValue: -60 - timeUnit: MONTHS timeValue: 12 projectionValue: -80 streamIds: [] streamConfidences: null - attributeName: BOOKS_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: - 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attributeName: CLOTHING_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: -82.92 count: 1 mean: -82.92 median: -82.92 min: -82.92 max: -82.92 standardDeviation: null comparedToCohorts: - cohortType: POSTAL_CODE totalDifferenceToCohort: 171.57 percentageDifferenceToCohort: 67.42 cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: - cohortType: POSTAL_CODE value: -254.49 transactionIds: - '2' projectedValues: - timeUnit: MONTHS timeValue: 3 projectionValue: -20 - timeUnit: MONTHS timeValue: 6 projectionValue: -40 - timeUnit: MONTHS timeValue: 9 projectionValue: -60 - timeUnit: MONTHS timeValue: 12 projectionValue: -80 streamIds: [] streamConfidences: null - attributeName: FINANCIAL_SERVICES_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - 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attributeName: HEALTH_BEAUTY_MEDICAL_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: - cohortType: POSTAL_CODE value: -34.61 transactionIds: [] projectedValues: - timeUnit: MONTHS timeValue: 3 projectionValue: -20 - timeUnit: MONTHS timeValue: 6 projectionValue: -40 - timeUnit: MONTHS timeValue: 9 projectionValue: -60 - timeUnit: MONTHS timeValue: 12 projectionValue: -80 streamIds: [] streamConfidences: null - attributeName: HOME_IMPROVEMENT_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: - 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attributeName: TRAVEL_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: - cohortType: POSTAL_CODE value: -513.38 transactionIds: [] projectedValues: - timeUnit: MONTHS timeValue: 3 projectionValue: -20 - timeUnit: MONTHS timeValue: 6 projectionValue: -40 - timeUnit: MONTHS timeValue: 9 projectionValue: -60 - timeUnit: MONTHS timeValue: 12 projectionValue: -80 streamIds: [] streamConfidences: null - attributeName: UTILITIES_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: - cohortType: POSTAL_CODE value: -149.45 transactionIds: [] projectedValues: - timeUnit: MONTHS timeValue: 3 projectionValue: -20 - timeUnit: MONTHS timeValue: 6 projectionValue: -40 - timeUnit: MONTHS timeValue: 9 projectionValue: -60 - timeUnit: MONTHS timeValue: 12 projectionValue: -80 streamIds: [] streamConfidences: null - attributeName: DISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: -382.92 count: 1 mean: -382.92 median: -382.92 min: -382.92 max: -382.92 standardDeviation: null comparedToCohorts: - cohortType: POSTAL_CODE totalDifferenceToCohort: -382.92 percentageDifferenceToCohort: null cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: - cohortType: POSTAL_CODE value: 0 transactionIds: - '1' projectedValues: - timeUnit: MONTHS timeValue: 3 projectionValue: -20 - timeUnit: MONTHS timeValue: 6 projectionValue: -40 - timeUnit: MONTHS timeValue: 9 projectionValue: -60 - timeUnit: MONTHS timeValue: 12 projectionValue: -80 streamIds: [] streamConfidences: null - attributeName: NONDISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: -82.92 count: 1 mean: -82.92 median: -82.92 min: -82.92 max: -82.92 standardDeviation: null comparedToCohorts: - cohortType: POSTAL_CODE totalDifferenceToCohort: -82.92 percentageDifferenceToCohort: null cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: - cohortType: POSTAL_CODE value: 0 transactionIds: - '2' projectedValues: - timeUnit: MONTHS timeValue: 3 projectionValue: -20 - timeUnit: MONTHS timeValue: 6 projectionValue: -40 - timeUnit: MONTHS timeValue: 9 projectionValue: -60 - timeUnit: MONTHS timeValue: 12 projectionValue: -80 streamIds: [] streamConfidences: null stateAttributes: [] streams: - id: d5740963-b2d7-4ac9-a5a2-7ba323bfa14b payor: Account Owner (Name Unavailable) payee: td ameritrade cadence: 0 status: inactive recency: 639 earliestObservedDate: '2023-04-25T07:12:33' latestObservedDate: '2023-05-01T07:12:33' count: 2 sum: -465.84 min: -382.92 max: -82.92 mean: -232.92 median: -232.92 standardDeviation: 212.13203435596427 minimumCadence: null maximumCadence: null medianCadence: null modeCadence: null standardDeviationCadence: null transactionIds: - '1' - '2' gseEnabled: true CashFlowBusinessReportExample: summary: Cash Flow Report - Business value: id: sd1j45yn37wr-cfrb customerType: testing customerId: 5555 requestId: xtw6tjemt6 title: Mastercard Open Banking Cash Flow Report - Business requesterName: Decisioning API Tests endUser: name: ABC Apartments address: 123 Main St city: Murray state: UT zip: '84123' phone: 555-2106 email: customerservice@example.com url: example.com type: cfrb status: success createdDate: 1575666823 startDate: 1512594823 endDate: 1575666823 days: 730 seasoned: true institutions: - id: '102105' name: FinBank Profiles urlHomeApp: http://www.finbank.com accounts: - id: '6681984' ownerName: PATRICK & LORRAINE PURCHASER ownerAddress: 7195 BELMONT ST. PARLIN, NJ 08859 ownerAsOfDate: 1614880526 name: Checking number: XX1111 type: checking aggregationStatusCode: '0' currentBalance: 100000 availableBalance: 1000 balanceDate: 1614880526 transactions: - id: '100671406523' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone cashFlowBalance: monthlyCashFlowBalances: - month: 1551423600 minDailyBalance: -65894.54 maxDailyBalance: -62196.98 averageDailyBalance: -64594.87 standardDeviationOfDailyBalance: '1099' numberOfDaysNegativeBalance: '28' numberOfDaysPositiveBalance: '0' minDailyBalance: 3479.39 maxDailyBalance: 3479.39 twelveMonthAverageDailyBalance: 3479.39 sixMonthAverageDailyBalance: 3479.39 twoMonthAverageDailyBalance: 3479.39 twelveMonthStandardDeviationOfDailyBalance: '20' sixMonthStandardDeviationOfDailyBalance: '20' twoMonthStandardDeviationOfDailyBalance: '20' numberDaysNegativeBalance: '6' numberOfDaysPositiveBalance: '0' cashFlowCredit: monthlyCashFlowCredits: - month: 1551423600 numberOfCredits: '3' totalCreditsAmount: 5000.29 largestCredit: 2182.34 numberOfCreditsLessTransfers: '3' totalCreditsAmountLessTransfers: 5000.29 averageCreditAmount: 1666.76 estimatedNumberOfLoanDeposits: '0' estimatedLoanDepositAmount: 0 twelveMonthCreditTotal: 1200 twelveMonthCreditTotalLessTransfers: 1000 sixMonthCreditTotal: 750 sixMonthCreditTotalLessTransfers: 500 twoMonthCreditTotal: 150 twoMonthCreditTotalLessTransfers: 100 cashFlowDebit: monthlyCashFlowDebits: - month: 1551423600 numberOfDebits: '12' totalDebitsAmount: -2063.43 largestDebit: -953.73 numberOfDebitsLessTransfers: '12' totalDebitsAmountLessTransfers: -2063.43 averageDebitAmount: -171.95 twelveMonthDebitTotal: 1200 twelveMonthDebitTotalLessTransfers: 1000 sixMonthDebitTotal: 750 sixMonthDebitTotalLessTransfers: 500 twoMonthDebitTotal: 150 twoMonthDebitTotalLessTransfers: 100 cashFlowCharacteristic: monthlyCashFlowCharacteristics: - month: 1551423600 totalCreditsLessTotalDebits: 2936.86 totalCreditsLessTotalDebitsLessTransfers: 2936.86 averageTransactionAmount: 195.79 averageMonthlyNet: 2350 averageMonthlyNetLessTransfers: 1000 twelveMonthTotalNet: 12500 twelveMonthTotalNetLessTransfers: 12400 sixMonthAverageTotalCreditsLessTotalDebits: 55555 sixMonthAverageTotalCreditsLessTotalDebitsLessTransfers: 55555 twoMonthAverageTotalCreditsLessTotalDebits: 55555 twoMonthAverageTotalCreditsLessTotalDebitsLessTransfers: 55555 cashFlowBalanceSummary: monthlyCashFlowBalanceSummaries: - month: 1551423600 minDailyBalance: -65894.54 maxDailyBalance: -62196.98 averageDailyBalance: -64594.87 standardDeviationOfDailyBalance: '1099' numberOfDaysNegativeBalance: '28' numberOfDaysPositiveBalance: '0' minDailyBalance: 3479.39 maxDailyBalance: 3479.39 twelveMonthAverageDailyBalance: 3479.39 sixMonthAverageDailyBalance: 3479.39 twoMonthAverageDailyBalance: 3479.39 twelveMonthStandardDeviationOfDailyBalance: '20' sixMonthStandardDeviationOfDailyBalance: '20' twoMonthStandardDeviationOfDailyBalance: '20' numberOfDaysNegativeBalance: '6' numberOfDaysPositiveBalance: '11' cashFlowCreditSummary: monthlyCashFlowCreditSummaries: - month: 1551423600 numberOfCredits: '3' totalCreditsAmount: 5000.29 largestCredit: 2182.34 numberOfCreditsLessTransfers: '3' totalCreditsAmountLessTransfers: 5000.29 averageCreditAmount: 1666.76 estimatedNumberOfLoanDeposits: '0' estimatedLoanDepositAmount: 0 twelveMonthCreditTotal: 1200 twelveMonthCreditTotalLessTransfers: 1000 sixMonthCreditTotal: 750 sixMonthCreditTotalLessTransfers: 500 twoMonthCreditTotal: 150 twoMonthCreditTotalLessTransfers: 100 cashFlowDebitSummary: monthlyCashFlowDebitSummaries: - month: 1551423600 numberOfDebits: '12' totalDebitsAmount: -2063.43 largestDebit: -953.73 numberOfDebitsLessTransfers: '12' totalDebitsAmountLessTransfers: -2063.43 averageDebitAmount: -171.95 twelveMonthDebitTotal: -1200 twelveMonthDebitTotalLessTransfers: -1000 sixMonthDebitTotal: -750 sixMonthDebitTotalLessTransfers: -500 twoMonthDebitTotal: -150 twoMonthDebitTotalLessTransfers: -100 cashFlowCharacteristicsSummary: monthlyCashFlowCharacteristicSummaries: - month: 1551423600 totalCreditsLessTotalDebits: 2936.86 totalCreditsLessTotalDebitsLessTransfers: 2936.86 averageTransactionAmount: 195.79 averageMonthlyNet: 1250 averageMonthlyNetLessTransfers: 1000 twelveMonthTotalNet: 12500 twelveMonthTotalNetLessTransfers: 12400 sixMonthAverageTotalCreditsLessTotalDebits: 55555 sixMonthAverageTotalCreditsLessTotalDebitsLessTransfers: 55555 twoMonthAverageTotalCreditsLessTotalDebits: 55555 twoMonthAverageTotalCreditsLessTotalDebitsLessTransfers: 55555 possibleLoanDeposits: - id: '102105' name: FinBank Profiles urlHomeApp: http://www.finbank.com accounts: - id: '6681984' ownerName: PATRICK & LORRAINE PURCHASER ownerAddress: 7195 BELMONT ST. PARLIN, NJ 08859 ownerAsOfDate: 1614880526 name: Checking number: XX1111 type: checking aggregationStatusCode: '0' currentBalance: 100000 availableBalance: 1000 balanceDate: 1614880526 transactions: - id: '100671406523' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone BalanceBusinessFtcAnalyticsReportResponseExample: value: id: sd1j45yn37wr-barbftc customerType: active customerId: 1275320 requestId: 7a7qyps2iy requesterName: Decisioning API title: Mastercard Open Banking Balance Analytics businessDetails: id: 123 name: Name1 address: addressLine1: 2020 State Street addressLine2: Suite 301 city: Salt Lake City state: Utah country: USA postalCode: 84116 reportPin: 2398jk constraints: analyticsReportData: forCraPurpose: false forFtcPurpose: true applicantIsPersonalGuarantor: false timeIntervalTypes: - MONTHLY_CALENDAR type: barbftc status: success createdDate: 1579819592 startDate: 1512594823 endDate: 1575666823 days: 730 institutions: - id: '102105' name: FinBank Profiles urlHomeApp: http://www.finbank.com accounts: - id: '1111' ownerName: PATRICK & LORRAINE PURCHASER ownerAddress: 7195 BELMONT ST. PARLIN, NJ 08859 ownerAsOfDate: 1577986990 name: Checking number: XX1111 type: checking aggregationStatusCode: '0' currentBalance: 100000 availableBalance: 1000 balanceDate: 1614880526 transactions: - id: '00000001' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone - id: '00000002' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone - id: '00000003' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone - id: '00000004' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone analytics: transactionalAttributes: [] stateAttributes: - attributeName: ASSET_BALANCE reportedByTimePeriods: - timeIntervalType: MONTHLY_CALENDAR periods: - startDate: '2023-02-05' endDate: '2023-02-28' sum: 75517.99999999997 count: 24 mean: 3146.583333333333 median: 3145.2 min: 3145.2 max: 3178.4 standardDeviation: 6.776921621700182 beginningValue: 3145.2 endingValue: 3178.4 - startDate: '2023-03-01' endDate: '2023-03-31' sum: 95350.54000000005 count: 31 mean: 3075.823870967742 median: 3178.4 min: 2946.3 max: 3329.22 standardDeviation: 132.58604314877732 beginningValue: 3178.4 endingValue: 3329.22 streams: - id: 2b96f6d4-4882-4db2-96c6-f89530a68f1c payor: TD AMERITRADE payee: John Smith cadence: 15 recency: 124 transactionIds: - '00000003' - '00000004' - '00000001' - id: dafc9b5d-762d-4f91-a429-f80573944bcd payor: John Smith payee: TD AMERITRADE cadence: 0 recency: 139 transactionIds: - '00000002' - id: '2222' ownerName: PATRICK & LORRAINE PURCHASER ownerAddress: 7195 BELMONT ST. PARLIN, NJ 08859 ownerAsOfDate: 1577986990 name: Checking number: XX1111 type: checking aggregationStatusCode: '0' currentBalance: 100000 availableBalance: 1000 balanceDate: 1614880526 transactions: - id: '00000005' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone - id: '00000006' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone - id: '00000007' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone - id: 00000008 amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone analytics: transactionalAttributes: [] stateAttributes: - attributeName: ASSET_BALANCE reportedByTimePeriods: - timeIntervalType: MONTHLY_CALENDAR periods: - startDate: '2023-02-05' endDate: '2023-02-28' sum: 75517.99999999997 count: 24 mean: 3146.583333333333 median: 3145.2 min: 3145.2 max: 3178.4 standardDeviation: 6.776921621700182 beginningValue: 3145.2 endingValue: 3178.4 - startDate: '2023-03-01' endDate: '2023-03-31' sum: 95350.54000000005 count: 31 mean: 3075.823870967742 median: 3178.4 min: 2946.3 max: 3329.22 standardDeviation: 132.58604314877732 beginningValue: 3178.4 endingValue: 3329.22 streams: - id: b838ffb3-2549-43b3-a1b1-50bc13438e0f payor: John Smith payee: Whole Foods cadence: 0 recency: 124 transactionIds: - '00000005' - 00000008 - id: 54214633-39d7-43f4-9314-bae2ce3b6af9 payor: John Smith payee: Walmart cadence: 0 recency: 139 transactionIds: - '00000006' - '00000007' customerAnalytics: transactionalAttributes: [] stateAttributes: - attributeName: ASSET_BALANCE reportedByTimePeriods: - timeIntervalType: MONTHLY_CALENDAR periods: - startDate: '2023-02-05' endDate: '2023-02-28' sum: 75517.99999999997 count: 24 mean: 3146.583333333333 median: 3145.2 min: 3145.2 max: 3178.4 standardDeviation: 6.776921621700182 beginningValue: 3145.2 endingValue: 3178.4 - startDate: '2023-03-01' endDate: '2023-03-31' sum: 95350.54000000005 count: 31 mean: 3075.823870967742 median: 3178.4 min: 2946.3 max: 3329.22 standardDeviation: 132.58604314877732 beginningValue: 3178.4 endingValue: 3329.22 streams: - id: 2b96f6d4-4882-4db2-96c6-f89530a68f1c payor: TD AMERITRADE payee: John Smith cadence: 15 recency: 124 transactionIds: - '00000003' - '00000004' - '00000001' - id: dafc9b5d-762d-4f91-a429-f80573944bcd payor: John Smith payee: TD AMERITRADE cadence: 0 recency: 139 transactionIds: - '00000002' - id: b838ffb3-2549-43b3-a1b1-50bc13438e0f payor: John Smith payee: Whole Foods cadence: 0 recency: 124 transactionIds: - '00000005' - 00000008 - id: 54214633-39d7-43f4-9314-bae2ce3b6af9 payor: John Smith payee: Walmart cadence: 0 recency: 139 transactionIds: - '00000006' - '00000007' CashflowBusinessCraAnalyticsReportResponseExample: value: id: iuvend2k7jir-cfrbcra customerType: testing customerId: 3011077785 requestId: ykmrghjeb3 requesterName: Open Banking API Tests createdDate: 1721816826 title: Mastercard Open Banking Cash Flow Analytics consumerId: 8d510370aae83d459da0b905ee59e714 consumerSsn: '1147' consumerDetails: id: 3f7ff2cf0ffb3d0cd59875e070c9b1d4 firstName: John middleName: Doe lastName: Jane address: 123 Marple Street city: Anytown state: PA zip: '17101' phone: '5551234567' ssn: '1234' email: john.doe@example.com disputeStatement: Invalid data present. type: cfrbcra status: success businessDetails: businessId: '48599' name: ABC Tires Inc - 1 address: addressLine1: 2020 State Street addressLine2: Suite 301 city: Salt Lake City state: Utah country: US postalCode: '84116' constraints: analyticsReportData: forCraPurpose: true forFtcPurpose: false applicantIsPersonalGuarantor: true timeIntervalTypes: - MONTHLY_CALENDAR startDate: 1658658426 endDate: 1721816826 days: 731 institutions: - id: 102105 name: FinBank Profiles - A urlHomeApp: http://www.finbank.com accounts: - id: 3027530345 ownerName: BOB JONES ownerAddress: 123 MAIN ST AUSTIN, TX 78754 ownerAsOfDate: 1577986990 name: Checking number: '7777' type: checking aggregationStatusCode: 0 currentBalance: 10000 availableBalance: 10000 balanceDate: 1721813307 transactions: [] analytics: null currency: USD - id: 3027530346 name: Checking number: '9999' type: checking aggregationStatusCode: 0 currentBalance: 10000 availableBalance: 10000 balanceDate: 1721813305 transactions: - id: 101402235165 amount: 258 postedDate: 1694001600 description: ACH deposit CAPITAL1 P2P Bob Jones Bob Jones normalizedPayee: Capital1 Bob Jones institutionTransactionId: '0000000000' category: Deposit - id: 101402235110 amount: 3.79 postedDate: 1693483200 description: IOD INTEREST PAID normalizedPayee: Iod Paid institutionTransactionId: '0000000000' category: Interest Income - id: 101402235081 amount: -2179 postedDate: 1693224000 description: Online banking xfer withdrawal from ...9999 normalizedPayee: Online Banking institutionTransactionId: '0000000000' category: Transfer - id: 101402235162 amount: 5.49 postedDate: 1672401600 description: IOD INTEREST PAID normalizedPayee: Iod Paid institutionTransactionId: '0000000000' category: Interest Income analytics: transactionalAttributes: - attributeName: CASH_OUTFLOW aggregatedByTimePeriods: - periods: - count: 0 endDate: '2022-12-31' startDate: '2022-12-30' - count: 2 endDate: '2023-01-31' max: -4361.6 mean: -4564.700000000001 median: -4564.700000000001 min: -4767.8 standardDeviation: 287.22677451797546 startDate: '2023-01-01' sum: -9129.400000000001 - count: 2 endDate: '2024-06-30' max: -300 mean: -829.055 median: -829.055 min: -1358.11 standardDeviation: 748.1967562412977 startDate: '2024-06-01' sum: -1658.11 - count: 2 endDate: '2024-07-24' max: -300 mean: -829.055 median: -829.055 min: -1358.11 standardDeviation: 748.1967562412977 startDate: '2024-07-01' sum: -1658.11 timeIntervalType: MONTHLY_CALENDAR streamIds: - 675f5d35-8ce2-442e-a213-f6a3d9a5696b - 7b54c715-db4e-4eed-ad00-d5e09dec7245 transactionIds: - '101402235156' - '101402235115' - '101402235144' - '101402235116' - attributeName: CASH_INFLOW aggregatedByTimePeriods: - periods: - count: 1 endDate: '2022-12-31' max: 5.49 mean: 5.49 median: 5.49 min: 5.49 startDate: '2022-12-30' sum: 5.49 - count: 4 endDate: '2023-01-31' max: 60 mean: 31.6125 median: 31.87 min: 2.71 standardDeviation: 32.781758520046886 startDate: '2023-01-01' sum: 126.45 - count: 3 endDate: '2024-06-30' max: 1070 mean: 396.6666666666667 median: 60 min: 60 standardDeviation: 583.123771881522 startDate: '2024-06-01' sum: 1190 - count: 3 endDate: '2024-07-24' max: 1070 mean: 396.6666666666667 median: 60 min: 60 standardDeviation: 583.123771881522 startDate: '2024-07-01' sum: 1190 timeIntervalType: MONTHLY_CALENDAR streamIds: - 489cf368-4697-4ea8-b975-b1d17843def7 - dab60ad6-3c4f-46e7-a408-c99e7db87789 - 3e61d882-dd74-4866-a494-8dfbff1a3a17 transactionIds: - '101402235175' - '101402235186' - '101402235151' - '101402235125' - attributeName: ALL_CASH_FLOWS aggregatedByTimePeriods: - periods: - count: 1 endDate: '2022-12-31' max: 5.49 mean: 5.49 median: 5.49 min: 5.49 startDate: '2022-12-30' sum: 5.49 - count: 6 endDate: '2023-01-31' max: 60 mean: -1500.4916666666668 median: 3.225 min: -4767.8 standardDeviation: 2377.1344632259797 startDate: '2023-01-01' sum: -9002.95 - count: 5 endDate: '2024-06-30' max: 1070 mean: -93.62199999999999 median: 60 min: -1358.11 standardDeviation: 872.1721988346109 startDate: '2024-06-01' sum: -468.1099999999999 - count: 5 endDate: '2024-07-24' max: 1070 mean: -93.62199999999999 median: 60 min: -1358.11 standardDeviation: 872.1721988346109 startDate: '2024-07-01' sum: -468.1099999999999 timeIntervalType: MONTHLY_CALENDAR streamIds: - 675f5d35-8ce2-442e-a213-f6a3d9a5696b - dab60ad6-3c4f-46e7-a408-c99e7db87789 - 3e61d882-dd74-4866-a494-8dfbff1a3a17 - 7b54c715-db4e-4eed-ad00-d5e09dec7245 transactionIds: - '101402235186' - '101402235156' - '101402235135' - '101402235114' - attributeName: NSF_FEE_CHARGES aggregatedByTimePeriods: - periods: - count: 0 endDate: '2022-12-31' startDate: '2022-12-30' - count: 0 endDate: '2023-01-31' startDate: '2023-01-01' - count: 0 endDate: '2023-02-28' startDate: '2023-02-01' - count: 0 endDate: '2023-03-31' startDate: '2023-03-01' - count: 0 endDate: '2023-04-30' startDate: '2023-04-01' - count: 0 endDate: '2023-05-31' startDate: '2023-05-01' - count: 0 endDate: '2023-06-30' startDate: '2023-06-01' - count: 0 endDate: '2023-07-31' startDate: '2023-07-01' - count: 0 endDate: '2023-08-31' startDate: '2023-08-01' - count: 0 endDate: '2023-09-30' startDate: '2023-09-01' - count: 0 endDate: '2023-10-31' startDate: '2023-10-01' - count: 0 endDate: '2023-11-30' startDate: '2023-11-01' - count: 0 endDate: '2023-12-31' startDate: '2023-12-01' - count: 0 endDate: '2024-01-31' startDate: '2024-01-01' - count: 0 endDate: '2024-02-29' startDate: '2024-02-01' - count: 0 endDate: '2024-03-31' startDate: '2024-03-01' - count: 0 endDate: '2024-04-30' startDate: '2024-04-01' - count: 0 endDate: '2024-05-31' startDate: '2024-05-01' - count: 0 endDate: '2024-06-30' startDate: '2024-06-01' - count: 0 endDate: '2024-07-24' startDate: '2024-07-01' timeIntervalType: MONTHLY_CALENDAR streamIds: [] transactionIds: [] - attributeName: NSF_FEE_REVERSALS aggregatedByTimePeriods: - periods: - count: 0 endDate: '2022-12-31' startDate: '2022-12-30' - count: 0 endDate: '2023-01-31' startDate: '2023-01-01' - count: 0 endDate: '2024-06-30' startDate: '2024-06-01' - count: 0 endDate: '2024-07-24' startDate: '2024-07-01' timeIntervalType: MONTHLY_CALENDAR streamIds: [] transactionIds: [] - attributeName: REVENUE aggregatedByTimePeriods: - periods: - count: 7 endDate: '2022-07-31' max: 170 mean: 139.57142857142858 median: 170 min: 99 standardDeviation: 37.95109635156426 startDate: '2022-07-24' sum: 977 - count: 40 endDate: '2022-08-31' max: 688 mean: 199.2625 median: 144 min: 36 standardDeviation: 162.26367381439258 startDate: '2022-08-01' sum: 7970.5 - count: 0 endDate: '2024-06-30' startDate: '2024-06-01' - count: 0 endDate: '2024-07-24' startDate: '2024-07-01' timeIntervalType: MONTHLY_CALENDAR streamIds: - 818430df-5f14-40ec-af3d-cde2ada40087 - cceef475-c1b4-4648-9113-d73d3c01aa40 - f7f8bb8b-8820-4a94-b9ac-f88f0d859dd1 - fcbc00c3-63f5-48d1-8302-13018a4eccea transactionIds: - '101402245116' - '101402245119' - '101402245133' - '101402245135' stateAttributes: - attributeName: NET_CASH_FLOW reportedByTimePeriods: - periods: - beginningValue: 5.49 count: 2 endDate: '2022-12-31' endingValue: 0 max: 5.49 mean: 2.745 median: 2.745 min: 0 standardDeviation: 3.882016228714146 startDate: '2022-12-30' sum: 5.49 - beginningValue: 0 count: 31 endDate: '2023-01-31' endingValue: 3.74 max: 60 mean: -290.4177419354839 median: 0 min: -4767.8 standardDeviation: 1142.3378998343987 startDate: '2023-01-01' sum: -9002.95 - beginningValue: 0 count: 30 endDate: '2024-06-30' endingValue: 0 max: 1130 mean: -15.603666666666664 median: 0 min: -1658.11 standardDeviation: 372.43488390342935 startDate: '2024-06-01' sum: -468.1099999999999 - beginningValue: 0 count: 24 endDate: '2024-07-24' endingValue: 0 max: 1130 mean: -19.50458333333333 median: 0 min: -1658.11 standardDeviation: 418.1064188226347 startDate: '2024-07-01' sum: -468.1099999999999 timeIntervalType: MONTHLY_CALENDAR streams: - cadence: 0 id: 489cf368-4697-4ea8-b975-b1d17843def7 payee: Account Owner (Name Unavailable) payor: capital1 bob jones recency: 4 transactionIds: - '101402235094' - '101402235119' - '101402235109' - '101402235143' - cadence: 37 id: 7b54c715-db4e-4eed-ad00-d5e09dec7245 payee: capital one payor: Account Owner (Name Unavailable) recency: 247 transactionIds: - '101402235091' - '101402235156' currency: USD oauthEnabled: false customerAnalytics: transactionalAttributes: - attributeName: CASH_OUTFLOW aggregatedByTimePeriods: - periods: - count: 0 endDate: '2022-12-31' startDate: '2022-12-30' - count: 2 endDate: '2023-01-31' max: -4361.6 mean: -4564.700000000001 median: -4564.700000000001 min: -4767.8 standardDeviation: 287.22677451797546 startDate: '2023-01-01' sum: -9129.400000000001 - count: 2 endDate: '2024-06-30' max: -300 mean: -829.055 median: -829.055 min: -1358.11 standardDeviation: 748.1967562412977 startDate: '2024-06-01' sum: -1658.11 - count: 2 endDate: '2024-07-24' max: -300 mean: -829.055 median: -829.055 min: -1358.11 standardDeviation: 748.1967562412977 startDate: '2024-07-01' sum: -1658.11 timeIntervalType: MONTHLY_CALENDAR streamIds: - 675f5d35-8ce2-442e-a213-f6a3d9a5696b - 7b54c715-db4e-4eed-ad00-d5e09dec7245 transactionIds: - '101402235156' - '101402235115' - '101402235144' - '101402235116' - attributeName: CASH_INFLOW aggregatedByTimePeriods: - periods: - count: 1 endDate: '2022-12-31' max: 5.49 mean: 5.49 median: 5.49 min: 5.49 startDate: '2022-12-30' sum: 5.49 - count: 4 endDate: '2023-01-31' max: 60 mean: 31.6125 median: 31.87 min: 2.71 standardDeviation: 32.781758520046886 startDate: '2023-01-01' sum: 126.45 - count: 3 endDate: '2024-06-30' max: 1070 mean: 396.6666666666667 median: 60 min: 60 standardDeviation: 583.123771881522 startDate: '2024-06-01' sum: 1190 - count: 3 endDate: '2024-07-24' max: 1070 mean: 396.6666666666667 median: 60 min: 60 standardDeviation: 583.123771881522 startDate: '2024-07-01' sum: 1190 timeIntervalType: MONTHLY_CALENDAR streamIds: - 489cf368-4697-4ea8-b975-b1d17843def7 - dab60ad6-3c4f-46e7-a408-c99e7db87789 - 3e61d882-dd74-4866-a494-8dfbff1a3a17 transactionIds: - '101402235175' - '101402235186' - '101402235151' - '101402235125' - attributeName: ALL_CASH_FLOWS aggregatedByTimePeriods: - periods: - count: 1 endDate: '2022-12-31' max: 5.49 mean: 5.49 median: 5.49 min: 5.49 startDate: '2022-12-30' sum: 5.49 - count: 6 endDate: '2023-01-31' max: 60 mean: -1500.4916666666668 median: 3.225 min: -4767.8 standardDeviation: 2377.1344632259797 startDate: '2023-01-01' sum: -9002.95 - count: 5 endDate: '2024-06-30' max: 1070 mean: -93.62199999999999 median: 60 min: -1358.11 standardDeviation: 872.1721988346109 startDate: '2024-06-01' sum: -468.1099999999999 - count: 5 endDate: '2024-07-24' max: 1070 mean: -93.62199999999999 median: 60 min: -1358.11 standardDeviation: 872.1721988346109 startDate: '2024-07-01' sum: -468.1099999999999 timeIntervalType: MONTHLY_CALENDAR streamIds: - 675f5d35-8ce2-442e-a213-f6a3d9a5696b - dab60ad6-3c4f-46e7-a408-c99e7db87789 - 3e61d882-dd74-4866-a494-8dfbff1a3a17 - 7b54c715-db4e-4eed-ad00-d5e09dec7245 transactionIds: - '101402235186' - '101402235156' - '101402235135' - '101402235114' - attributeName: NSF_FEE_CHARGES aggregatedByTimePeriods: - periods: - count: 0 endDate: '2022-12-31' startDate: '2022-12-30' - count: 0 endDate: '2023-01-31' startDate: '2023-01-01' - count: 0 endDate: '2023-02-28' startDate: '2023-02-01' - count: 0 endDate: '2023-03-31' startDate: '2023-03-01' - count: 0 endDate: '2023-04-30' startDate: '2023-04-01' - count: 0 endDate: '2023-05-31' startDate: '2023-05-01' - count: 0 endDate: '2023-06-30' startDate: '2023-06-01' - count: 0 endDate: '2023-07-31' startDate: '2023-07-01' - count: 0 endDate: '2023-08-31' startDate: '2023-08-01' - count: 0 endDate: '2023-09-30' startDate: '2023-09-01' - count: 0 endDate: '2023-10-31' startDate: '2023-10-01' - count: 0 endDate: '2023-11-30' startDate: '2023-11-01' - count: 0 endDate: '2023-12-31' startDate: '2023-12-01' - count: 0 endDate: '2024-01-31' startDate: '2024-01-01' - count: 0 endDate: '2024-02-29' startDate: '2024-02-01' - count: 0 endDate: '2024-03-31' startDate: '2024-03-01' - count: 0 endDate: '2024-04-30' startDate: '2024-04-01' - count: 0 endDate: '2024-05-31' startDate: '2024-05-01' - count: 0 endDate: '2024-06-30' startDate: '2024-06-01' - count: 0 endDate: '2024-07-24' startDate: '2024-07-01' timeIntervalType: MONTHLY_CALENDAR streamIds: [] transactionIds: [] - attributeName: NSF_FEE_REVERSALS aggregatedByTimePeriods: - periods: - count: 0 endDate: '2022-12-31' startDate: '2022-12-30' - count: 0 endDate: '2023-01-31' startDate: '2023-01-01' - count: 0 endDate: '2024-06-30' startDate: '2024-06-01' - count: 0 endDate: '2024-07-24' startDate: '2024-07-01' timeIntervalType: MONTHLY_CALENDAR streamIds: [] transactionIds: [] - attributeName: REVENUE aggregatedByTimePeriods: - periods: - count: 7 endDate: '2022-07-31' max: 170 mean: 139.57142857142858 median: 170 min: 99 standardDeviation: 37.95109635156426 startDate: '2022-07-24' sum: 977 - count: 40 endDate: '2022-08-31' max: 688 mean: 199.2625 median: 144 min: 36 standardDeviation: 162.26367381439258 startDate: '2022-08-01' sum: 7970.5 - count: 0 endDate: '2024-06-30' startDate: '2024-06-01' - count: 0 endDate: '2024-07-24' startDate: '2024-07-01' timeIntervalType: MONTHLY_CALENDAR streamIds: - 818430df-5f14-40ec-af3d-cde2ada40087 - cceef475-c1b4-4648-9113-d73d3c01aa40 - f7f8bb8b-8820-4a94-b9ac-f88f0d859dd1 - fcbc00c3-63f5-48d1-8302-13018a4eccea transactionIds: - '101402245116' - '101402245119' - '101402245133' - '101402245135' stateAttributes: - attributeName: NET_CASH_FLOW reportedByTimePeriods: - periods: - beginningValue: 5.49 count: 2 endDate: '2022-12-31' endingValue: 0 max: 5.49 mean: 2.745 median: 2.745 min: 0 standardDeviation: 3.882016228714146 startDate: '2022-12-30' sum: 5.49 - beginningValue: 0 count: 31 endDate: '2023-01-31' endingValue: 3.74 max: 60 mean: -290.4177419354839 median: 0 min: -4767.8 standardDeviation: 1142.3378998343987 startDate: '2023-01-01' sum: -9002.95 - beginningValue: 0 count: 30 endDate: '2024-06-30' endingValue: 0 max: 1130 mean: -15.603666666666664 median: 0 min: -1658.11 standardDeviation: 372.43488390342935 startDate: '2024-06-01' sum: -468.1099999999999 - beginningValue: 0 count: 24 endDate: '2024-07-24' endingValue: 0 max: 1130 mean: -19.50458333333333 median: 0 min: -1658.11 standardDeviation: 418.1064188226347 startDate: '2024-07-01' sum: -468.1099999999999 timeIntervalType: MONTHLY_CALENDAR streams: - cadence: 0 id: 489cf368-4697-4ea8-b975-b1d17843def7 payee: Account Owner (Name Unavailable) payor: capital1 bob jones recency: 4 transactionIds: - '101402235094' - '101402235119' - '101402235109' - '101402235143' - cadence: 37 id: 7b54c715-db4e-4eed-ad00-d5e09dec7245 payee: capital one payor: Account Owner (Name Unavailable) recency: 247 transactionIds: - '101402235091' - '101402235156' gseEnabled: true PaymentRiskInsightsPersonalCRAReportResponseExample: value: id: sd1j45yn37wr-pripcra customerType: active customerId: 1275320 requestId: 7a7qyps2iy requesterName: Decisioning API endUser: name: ABC Apartments address: 123 Main St city: Murray state: UT zip: '84123' phone: 1-801-443-7288 email: customerservice@abcapartments.com url: abcapartments.com title: Mastercard Open Banking Payment Risk Insights consumerId: 3f7ff2cf0ffb3d0cd59875e070c9b1d4 consumerSsn: '1234' consumerDetails: id: 3f7ff2cf0ffb3d0cd59875e070c9b1d4 firstName: Anais middleName: Jaden lastName: Hane address: 123 N 465 E city: Omaha state: NY zip: '11111' phone: '8562429473' ssn: '1234' email: Test@hotmail.com disputeStatement: Invalid data present. constraints: analyticsReportData: forCraPurpose: true timeIntervalTypes: - HISTORICALLY type: pripcra status: success createdDate: 1579819592 reportRefreshNumber: 2 originalReportCreatedDate: 1607450357 startDate: 1512594823 endDate: 1575666823 days: 730 institutions: - id: '102105' name: FinBank Profiles urlHomeApp: http://www.finbank.com accounts: - id: '1111' ownerName: PATRICK & LORRAINE PURCHASER ownerAddress: 7195 BELMONT ST. PARLIN, NJ 08859 ownerAsOfDate: 1614880526 name: Checking number: XX1111 type: checking aggregationStatusCode: '0' currentBalance: 100000 availableBalance: 1000 balanceDate: 1614880526 transactions: - id: '00000001' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone - id: '00000002' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone analytics: - transactionalAttributes: - attributeName: CASH_OUTFLOW aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: CASH_INFLOW aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 5050 count: 100 mean: 50.5 median: 50.5 min: 1 max: 100 standardDeviation: 29.011491975882016 comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: - '10' - '72' - '78' - '16' - '25' - '67' - '27' - '15' - '36' - '75' - '88' - '57' - '51' - '30' - '66' - '87' - '61' - '6' - '82' - '48' - '40' projectedValues: [] streamIds: - e6dd352d-67d3-4a6c-a7a0-68f1e994bb22 streamConfidences: null - attributeName: INSURANCE_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: TAX_PAYMENTS aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: DISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NONDISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: RECURRING_EXPENSES aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: RECURRING_LOAN_PAYMENTS aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NSF_FEE_CHARGES aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null stateAttributes: - attributeName: MISSED_RECURRING_EXPENSES reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 0 count: 732 mean: 0 median: 0 min: 0 max: 0 standardDeviation: 0 comparedToCohorts: [] beginningValue: 0 endingValue: 0 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: MISSED_RECURRING_LOAN_PAYMENTS reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 0 count: 732 mean: 0 median: 0 min: 0 max: 0 standardDeviation: 0 comparedToCohorts: [] beginningValue: 0 endingValue: 0 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: PAYMENT_RISK_SCORE reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 19825 count: 732 mean: 27.083333333333332 median: 24 min: -1 max: 46 standardDeviation: 8.739575902668523 comparedToCohorts: [] beginningValue: -1 endingValue: 24 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: ASSET_BALANCE reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: -900726.9199999999 count: 732 mean: -1230.501256830601 median: -1192.56 min: -3804.56 max: 1234.44 standardDeviation: 1628.527991127309 comparedToCohorts: [] beginningValue: -3804.56 endingValue: 1234.44 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] streams: - id: e6dd352d-67d3-4a6c-a7a0-68f1e994bb22 payor: '0' payee: John Smith cadence: 7 status: inactive recency: 118 earliestObservedDate: '2022-09-18T00:00:00' latestObservedDate: '2024-09-13T00:00:00' count: 100 sum: 5050 min: 1 max: 100 mean: 50.5 median: 50.5 standardDeviation: 29.011491975882016 minimumCadence: 0 maximumCadence: 58 medianCadence: 4 modeCadence: 2 standardDeviationCadence: 9.261506907846133 transactionIds: - '0' - '1' - '10' - '11' - '12' - '13' - '14' - '15' - '16' - '17' - '18' - '19' - '2' - '20' - '21' - '22' - '23' - '24' - '25' - '26' - '27' - '28' - '29' - '3' - '30' - id: '2222' ownerName: PATRICK & LORRAINE PURCHASER ownerAddress: 7195 BELMONT ST. PARLIN, NJ 08859 ownerAsOfDate: 1614880526 name: Checking number: XX1111 type: checking aggregationStatusCode: '0' currentBalance: 100000 availableBalance: 1000 balanceDate: 1614880526 transactions: - id: '00000005' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone - id: '00000006' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone analytics: - transactionalAttributes: - attributeName: CASH_OUTFLOW aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: CASH_INFLOW aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 5050 count: 100 mean: 50.5 median: 50.5 min: 1 max: 100 standardDeviation: 29.011491975882016 comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: - '10' - '72' - '78' - '16' - '25' - '67' - '27' - '15' - '36' - '75' - '88' - '57' - '51' - '30' - '66' - '87' - '61' - '6' - '82' - '48' - '40' projectedValues: [] streamIds: - e6dd352d-67d3-4a6c-a7a0-68f1e994bb22 streamConfidences: null - attributeName: INSURANCE_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: TAX_PAYMENTS aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: DISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NONDISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: RECURRING_EXPENSES aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: RECURRING_LOAN_PAYMENTS aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NSF_FEE_CHARGES aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null stateAttributes: - attributeName: MISSED_RECURRING_EXPENSES reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 0 count: 732 mean: 0 median: 0 min: 0 max: 0 standardDeviation: 0 comparedToCohorts: [] beginningValue: 0 endingValue: 0 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: MISSED_RECURRING_LOAN_PAYMENTS reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 0 count: 732 mean: 0 median: 0 min: 0 max: 0 standardDeviation: 0 comparedToCohorts: [] beginningValue: 0 endingValue: 0 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: PAYMENT_RISK_SCORE reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 19825 count: 732 mean: 27.083333333333332 median: 24 min: -1 max: 46 standardDeviation: 8.739575902668523 comparedToCohorts: [] beginningValue: -1 endingValue: 24 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: ASSET_BALANCE reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: -900726.9199999999 count: 732 mean: -1230.501256830601 median: -1192.56 min: -3804.56 max: 1234.44 standardDeviation: 1628.527991127309 comparedToCohorts: [] beginningValue: -3804.56 endingValue: 1234.44 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] streams: - id: e6dd352d-67d3-4a6c-a7a0-68f1e994bb22 payor: '0' payee: John Smith cadence: 7 status: inactive recency: 118 earliestObservedDate: '2022-09-18T00:00:00' latestObservedDate: '2024-09-13T00:00:00' count: 100 sum: 5050 min: 1 max: 100 mean: 50.5 median: 50.5 standardDeviation: 29.011491975882016 minimumCadence: 0 maximumCadence: 58 medianCadence: 4 modeCadence: 2 standardDeviationCadence: 9.261506907846133 transactionIds: - '0' - '1' - '10' - '11' - '12' - '13' - '14' - '15' - '16' - '17' - '18' - '19' - '2' - '20' - '21' - '22' - '23' - '24' - '25' - '26' - '27' - '28' - '29' - '3' - '30' customerAnalytics: transactionalAttributes: - attributeName: CASH_OUTFLOW aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: CASH_INFLOW aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 5050 count: 100 mean: 50.5 median: 50.5 min: 1 max: 100 standardDeviation: 29.011491975882016 comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: - '10' - '72' - '78' - '16' - '25' - '67' - '27' - '15' - '36' - '75' - '88' - '57' - '51' - '30' - '66' - '87' - '61' - '6' - '82' - '48' - '40' - '45' - '96' - '95' projectedValues: [] streamIds: - e6dd352d-67d3-4a6c-a7a0-68f1e994bb22 streamConfidences: null - attributeName: INSURANCE_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: TAX_PAYMENTS aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: DISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NONDISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: RECURRING_EXPENSES aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: RECURRING_LOAN_PAYMENTS aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NSF_FEE_CHARGES aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null stateAttributes: - attributeName: MISSED_RECURRING_EXPENSES reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 0 count: 732 mean: 0 median: 0 min: 0 max: 0 standardDeviation: 0 comparedToCohorts: [] beginningValue: 0 endingValue: 0 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: MISSED_RECURRING_LOAN_PAYMENTS reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 0 count: 732 mean: 0 median: 0 min: 0 max: 0 standardDeviation: 0 comparedToCohorts: [] beginningValue: 0 endingValue: 0 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: PAYMENT_RISK_SCORE reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 19825 count: 732 mean: 27.083333333333332 median: 24 min: -1 max: 46 standardDeviation: 8.739575902668523 comparedToCohorts: [] beginningValue: -1 endingValue: 24 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: ASSET_BALANCE reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: -900726.9199999999 count: 732 mean: -1230.501256830601 median: -1192.56 min: -3804.56 max: 1234.44 standardDeviation: 1628.527991127309 comparedToCohorts: [] beginningValue: -3804.56 endingValue: 1234.44 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] streams: - id: e6dd352d-67d3-4a6c-a7a0-68f1e994bb22 payor: '0' payee: John Smith cadence: 7 status: inactive recency: 118 earliestObservedDate: '2022-09-18T00:00:00' latestObservedDate: '2024-09-13T00:00:00' count: 100 sum: 5050 min: 1 max: 100 mean: 50.5 median: 50.5 standardDeviation: 29.011491975882016 minimumCadence: 0 maximumCadence: 58 medianCadence: 4 modeCadence: 2 standardDeviationCadence: 9.261506907846133 transactionIds: - '0' - '1' - '10' - '11' - '12' - '13' - '14' - '15' - '16' - '17' - '18' - '19' - '2' - '20' - '21' - '22' - '23' - '24' - '25' - '26' - '27' - '28' - '29' - '3' - '30' CashflowBusinessFtcAnalyticsReportResponseExample: value: id: hp3d33xki9x2-cfrbftc customerType: testing customerId: 3011077785 requestId: pjng034x2z requesterName: Open Banking API Tests createdDate: 1721817480 title: Mastercard Open Banking Cash Flow Analytics type: cfrbftc status: success businessDetails: businessId: '48599' name: ABC Tires Inc - 1 address: addressLine1: 2020 State Street addressLine2: Suite 301 city: Salt Lake City state: Utah country: US postalCode: '84116' constraints: analyticsReportData: forCraPurpose: false forFtcPurpose: true applicantIsPersonalGuarantor: false timeIntervalTypes: - MONTHLY_CALENDAR startDate: 1658659080 endDate: 1721817480 days: 731 institutions: - id: 102105 name: FinBank Profiles - A urlHomeApp: http://www.finbank.com accounts: - id: 3027530342 ownerName: JNC PROPERTIES LLC ownerAddress: 1944 JAKETOWN RD DONNELLSON IL 62019 ownerAsOfDate: 1721818584 name: Business Investment number: '1101' type: investment aggregationStatusCode: 0 currentBalance: 100000 balanceDate: 1721813305 transactions: [] analytics: null currency: USD - id: 3027530343 ownerName: NSF USER ownerAddress: 123 VINE ST MURRAY, UT 84123 ownerAsOfDate: 1721818584 name: NSF Checking number: '0111' type: checking aggregationStatusCode: 0 currentBalance: 37700.65 availableBalance: 38000.45 balanceDate: 1721813306 transactions: - id: 101402234950 amount: -30 postedDate: 1721131200 description: Insufficient Funds Charge normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234871 amount: -34 postedDate: 1721044800 description: INSUFFICIENT FUNDS FEE FOR A $35 memo: .16 CARD PURCHASE WITH PIN - DET normalizedPayee: insufficient funds fee for card purchase with pin det institutionTransactionId: '0000000000' category: Low Balance - id: 101402234897 amount: -28 postedDate: 1720008000 description: PAID NSF FEE memo: Fee normalizedPayee: Paid Nsf institutionTransactionId: '0000000000' category: Low Balance - id: 101402234903 amount: -34 postedDate: 1719576000 description: INSUFFICIENT FUNDS FEE FOR A $10 memo: '0.68 CARD PURCHASE - DETAILS:' normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234931 amount: -26.23 postedDate: 1718712000 description: NSF/OD FEE PD ITEM INSUFFICIENT memo: NSF/OD FEE PD ITEM INSUFFICIENT FUNDS normalizedPayee: Nsf Od institutionTransactionId: '0000000000' category: Low Balance - id: 101402234855 amount: -30 postedDate: 1717761600 description: Insufficient Funds Fee ($30) memo: Insufficient Funds Fee ($30) normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234879 amount: -34 postedDate: 1717416000 description: INSUFFICIENT FUNDS FEE FOR A $11 memo: '.33 CARD PURCHASE - DETAILS:' normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234938 amount: -34 postedDate: 1716897600 description: INSUFFICIENT FUNDS FEE FOR A $15 memo: '4.96 CARD PURCHASE - DETAILS:' normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234864 amount: -30 postedDate: 1716033600 description: Insufficient Funds (NSF) Fee; NSF Fee normalizedPayee: Nsf institutionTransactionId: '0000000000' category: Low Balance - id: 101402234888 amount: -34 postedDate: 1715083200 description: INSUFFICIENT FUNDS FEE FOR A $51 memo: '.25 CARD PURCHASE - DETAILS:' normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234908 amount: -34 postedDate: 1714737600 description: INSUFFICIENT FUNDS FEE FOR A $10 memo: '.00 ITEM - DETAILS: PAYPAL' normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234935 amount: -20 postedDate: 1713787200 description: WITHDRAWAL NSF Fee SEARS ONLINE normalizedPayee: Sears institutionTransactionId: '0000000000' category: Low Balance - id: 101402234860 amount: -34 postedDate: 1713528000 description: INSUFFICIENT FUNDS FEE FOR A $10 memo: .99 RECURRING CARD PURCHASE - DE normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234884 amount: -24 postedDate: 1713441600 description: Insufficient Funds Fee normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234890 amount: -34 postedDate: 1712145600 description: INSUFFICIENT FUNDS FEE FOR A $10 memo: 0.00 WITHDRAWAL normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234916 amount: 120 postedDate: 1711627200 description: RETURNED ITEM INSUFFICIENT FUNDS memo: RETURNED ITEM INSUFFICIENT FUNDS Clark Energy Coo WEB PMTS Z2DSR7 normalizedPayee: Clark Energy institutionTransactionId: '0000000000' category: Low Balance - id: 101402234939 amount: -34 postedDate: 1711454400 description: INSUFFICIENT FUNDS FEE FOR A $7. memo: '94 CARD PURCHASE - DETAILS:' normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234902 amount: -34 postedDate: 1710763200 description: INSUFFICIENT FUNDS FEE FOR A $17 memo: '6.53 ITEM - DETAILS: GCS 800-398' normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234927 amount: -35 postedDate: 1709467200 description: EOD NSF FEE memo: Processed normalizedPayee: Eod Nsf institutionTransactionId: '0000000000' category: Low Balance - id: 101402234952 amount: -34 postedDate: 1709121600 description: INSUFFICIENT FUNDS FEE FOR A $32 memo: '.08 CARD PURCHASE - DETAILS:' normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234875 amount: -18 postedDate: 1709121600 description: NSF Fee not paid memo: 'Fee Withdrawal: NSF Fee not paid' normalizedPayee: Nsf institutionTransactionId: '0000000000' category: Low Balance - id: 101402234899 amount: -34 postedDate: 1708776000 description: INSUFFICIENT FUNDS FEE FOR A $12 memo: '.07 ITEM - DETAILS: ALLSTATE INS' normalizedPayee: Allstate institutionTransactionId: '0000000000' category: Low Balance - id: 101402234924 amount: -34 postedDate: 1706961600 description: INSUFFICIENT FUNDS FEE FOR A $21 memo: '.50 ITEM - DETAILS: HK Paymt' normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234948 amount: -34 postedDate: 1706443200 description: INSUFFICIENT FUNDS FEE FOR A $18 memo: '.60 CARD PURCHASE - DETAILS:' normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234873 amount: -18 postedDate: 1705924800 description: NSF Fee not paid memo: 'Fee Withdrawal: NSF Fee not paid' normalizedPayee: Nsf institutionTransactionId: '0000000000' category: Low Balance - id: 101402234881 amount: -34 postedDate: 1704456000 description: INSUFFICIENT FUNDS FEE FOR A $17 memo: 8.63 CARD PURCHASE W/CASH - DETA normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234905 amount: -34 postedDate: 1704283200 description: INSUFFICIENT FUNDS FEE FOR A $6. memo: '71 CARD PURCHASE - DETAILS:' normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234858 amount: -34 postedDate: 1703764800 description: INSUFFICIENT FUNDS FEE FOR A $80 memo: '.39 CARD PURCHASE - DETAILS:' normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234889 amount: -34 postedDate: 1703678400 description: INSUFFICIENT FUNDS FEE FOR A $12 memo: '1.00 ITEM - DETAILS: CAPITAL ONE' normalizedPayee: Insufficient One institutionTransactionId: '0000000000' category: Low Balance - id: 101402234912 amount: -34 postedDate: 1702468800 description: INSUFFICIENT FUNDS FEE FOR A $14 memo: 5.57 RECURRING CARD PURCHASE - D normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234936 amount: -34 postedDate: 1701604800 description: INSUFFICIENT FUNDS FEE FOR CHECK memo: '#1263 IN THE AMOUNT OF $110.87' normalizedPayee: Amount institutionTransactionId: '0000000000' category: Low Balance - id: 101402234863 amount: 35 postedDate: 1701172800 description: REVERSAL OF NSF RETURN ITEM FEE memo: FOR A TRANSACTION RECEIVED ON 10/21 $114.31 FIRSTFIN PMT RETRY PYMT 113024160525 748 LUCIA GONZALEZ normalizedPayee: Of institutionTransactionId: '0000000000' category: Low Balance - id: 101402234886 amount: -34 postedDate: 1700654400 description: INSUFFICIENT FUNDS FEE FOR A $10 memo: '.00 ITEM - DETAILS: PAYPAL' normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234910 amount: 34 postedDate: 1700222400 description: 'Reversal: INSUFFICIENT FUNDS FEE' memo: FOR A $15.98 normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234934 amount: -34 postedDate: 1699012800 description: INSUFFICIENT FUNDS FEE FOR A $15 memo: '.00 CARD PURCHASE - DETAILS:' normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234862 amount: -34 postedDate: 1697716800 description: INSUFFICIENT FUNDS FEE FOR A $12 memo: '.40 ITEM - DETAILS: PAYPAL' normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234917 amount: -34 postedDate: 1697544000 description: INSUFFICIENT FUNDS FEE FOR CHECK memo: '#3598 IN THE AMOUNT OF $34.52' normalizedPayee: Amount institutionTransactionId: '0000000000' category: Low Balance - id: 101402234866 amount: -30 postedDate: 1697544000 description: FEE memo: RETURNED DEPOSITED CHECK 1010 $300.00 - NSF RETURNED DEPOSIT FEE - UNCOLLECTIBLE $30.00 normalizedPayee: Returned Deposited institutionTransactionId: '0000000000' category: Low Balance - id: 101402234942 amount: -34 postedDate: 1696334400 description: INSUFFICIENT FUNDS FEE FOR A $65 memo: '.27 ITEM - DETAILS: PAYPAL' normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234878 amount: -28 postedDate: 1695902400 description: PAID NSF FEE memo: Fee normalizedPayee: Paid Nsf institutionTransactionId: '0000000000' category: Low Balance - id: 101402234892 amount: -34 postedDate: 1695816000 description: INSUFFICIENT FUNDS FEE FOR CHECK memo: '#1569 IN THE AMOUNT OF $50.00' normalizedPayee: Amount institutionTransactionId: '0000000000' category: Low Balance - id: 101402234918 amount: -34 postedDate: 1695556800 description: INSUFFICIENT FUNDS FEE FOR A $31 memo: '2.49 ITEM - DETAILS: INSIGHTS SV' normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234943 amount: 34 postedDate: 1694865600 description: INSUFFICIENT FUNDS FEE REFUND normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234868 amount: -34 postedDate: 1693742400 description: INSUFFICIENT FUNDS FEE FOR A $8. memo: '25 CARD PURCHASE - DETAILS:' normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234895 amount: -34 postedDate: 1693224000 description: INSUFFICIENT FUNDS FEE FOR A $48 memo: '.05 CARD PURCHASE - DETAILS:' normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234921 amount: -34 postedDate: 1692187200 description: INSUFFICIENT FUNDS FEE FOR CHECK memo: '#927 IN THE AMOUNT OF $25.00' normalizedPayee: Amount institutionTransactionId: '0000000000' category: Low Balance - id: 101402234946 amount: -34 postedDate: 1692100800 description: INSUFFICIENT FUNDS FEE FOR A $10 memo: .00 CARD PURCHASE WITH PIN - DET normalizedPayee: insufficient funds fee for card purchase with pin det institutionTransactionId: '0000000000' category: Low Balance - id: 101402234887 amount: -30 postedDate: 1691064000 description: Insufficient Funds Charge memo: Fee, Processed normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234911 amount: -34 postedDate: 1690545600 description: INSUFFICIENT FUNDS FEE FOR CHECK memo: '#1001 IN THE AMOUNT OF $25.00' normalizedPayee: Amount institutionTransactionId: '0000000000' category: Low Balance - id: 101402234937 amount: -34 postedDate: 1689508800 description: INSUFFICIENT FUNDS FEE FOR A $69 memo: '.00 CARD PURCHASE - DETAILS:' normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234857 amount: -34 postedDate: 1689422400 description: INSUFFICIENT FUNDS FEE FOR A $47 memo: '5.00 ITEM - DETAILS: FLASHADV' normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234882 amount: -34 postedDate: 1688385600 description: INSUFFICIENT FUNDS FEE FOR A $46 memo: '.45 CARD PURCHASE - DETAILS:' normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234906 amount: 34 postedDate: 1687953600 description: REFUND OF INSUFFICIENT FUNDS FEE memo: CHARGED ON 08/16/2016 normalizedPayee: Insufficient Charged institutionTransactionId: '0000000000' category: Low Balance - id: 101402234932 amount: -32 postedDate: 1687089600 description: NSF - ITE memo: 'Fee W/D: NSF - ITE 000505' normalizedPayee: Nsf Ite institutionTransactionId: '0000000000' category: Low Balance - id: 101402234859 amount: -34 postedDate: 1686139200 description: INSUFFICIENT FUNDS FEE FOR A $38 memo: .60 RECURRING CARD PURCHASE - DE normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234883 amount: -26.25 postedDate: 1685793600 description: NSF/OD FEE RTND ITEM INSUFFICIEN memo: NSF/OD FEE RTND ITEM INSUFFICIENT FUNDS normalizedPayee: Nsf Od institutionTransactionId: '0000000000' category: Low Balance - id: 101402234907 amount: -34 postedDate: 1685275200 description: INSUFFICIENT FUNDS FEE FOR CHECK memo: '#4836 IN THE AMOUNT OF $695.00' normalizedPayee: Amount institutionTransactionId: '0000000000' category: Low Balance - id: 101402234951 amount: -30 postedDate: 1684411200 description: Insufficient Funds Fee Paid normalizedPayee: Insufficient Paid institutionTransactionId: '0000000000' category: Low Balance - id: 101402234877 amount: -34 postedDate: 1683460800 description: INSUFFICIENT FUNDS FEE FOR A $33 memo: 9.78 RECURRING CARD PURCHASE - D normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234901 amount: -34 postedDate: 1683115200 description: INSUFFICIENT FUNDS FEE FOR A $25 memo: '.00 CARD PURCHASE - DETAILS:' normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234928 amount: -32 postedDate: 1682164800 description: NSF Fee Item Ret INSUFFICIENT FU memo: NSF Fee Item Ret INSUFFICIENT FUNDS normalizedPayee: Nsf Item Ret Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234941 amount: -34 postedDate: 1681905600 description: INSUFFICIENT FUNDS FEE FOR A $9. memo: '73 CARD PURCHASE - DETAILS:' normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234867 amount: 44 postedDate: 1681819200 description: RETURNED ITEM INSUFFICIENT FUNDS memo: RETURNED ITEM INSUFFICIENT FUNDS PAYPAL ECHECK EBAY INC normalizedPayee: Returned Item Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234893 amount: -34 postedDate: 1680523200 description: INSUFFICIENT FUNDS FEE FOR A $76 memo: '.32 CARD PURCHASE - DETAILS:' normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234919 amount: 34 postedDate: 1680004800 description: INSUFFICIENT FUNDS FEE REFUND normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234944 amount: -18 postedDate: 1679832000 description: NSF Fee not paid memo: 'Fee Withdrawal: NSF Fee not paid' normalizedPayee: Nsf institutionTransactionId: '0000000000' category: Low Balance - id: 101402234869 amount: -34 postedDate: 1679140800 description: INSUFFICIENT FUNDS FEE FOR A $64 memo: '.64 ITEM - DETAILS: UI WEB PAYME' normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234926 amount: -34 postedDate: 1677844800 description: INSUFFICIENT FUNDS FEE FOR A $40 memo: '2.23 CARD PURCHASE - DETAILS:' normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234949 amount: -34 postedDate: 1677585600 description: INSUFFICIENT FUNDS FEE FOR A $34 memo: '.63 ITEM - DETAILS: NORDSTROM' normalizedPayee: Insufficient Nordstrom institutionTransactionId: '0000000000' category: Low Balance - id: 101402234874 amount: 34 postedDate: 1677585600 description: INSUFFICIENT FUNDS FEE REFUND normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234896 amount: -34 postedDate: 1677240000 description: INSUFFICIENT FUNDS FEE FOR CHECK memo: '#6891 IN THE AMOUNT OF $850.00' normalizedPayee: Amount institutionTransactionId: '0000000000' category: Low Balance - id: 101402234922 amount: -34 postedDate: 1675425600 description: INSUFFICIENT FUNDS FEE FOR CHECK memo: '#197 IN THE AMOUNT OF $80.00' normalizedPayee: Amount institutionTransactionId: '0000000000' category: Low Balance - id: 101402234945 amount: -34 postedDate: 1674907200 description: INSUFFICIENT FUNDS FEE FOR A $50 memo: '.24 ITEM - DETAILS: NAVI ED SER' normalizedPayee: Navi Ed institutionTransactionId: '0000000000' category: Low Balance - id: 101402234870 amount: -34 postedDate: 1674388800 description: INSUFFICIENT FUNDS FEE FOR CHECK memo: '#7003 IN THE AMOUNT OF $125.00' normalizedPayee: Amount institutionTransactionId: '0000000000' category: Low Balance - id: 101402234894 amount: -30 postedDate: 1672920000 description: Insufficient Funds Charge memo: Fee, Processed normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234920 amount: -25 postedDate: 1672747200 description: Withdrawal Draft# (.) IN memo: Withdrawal Draft#1246 (89.34) INSUFFICIENT DRAFT FEE normalizedPayee: Draft Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234947 amount: 0 postedDate: 1672228800 description: '[No description provided by institution]' normalizedPayee: Institution_Transaction institutionTransactionId: '0000000000' category: Uncategorized - id: 101402234872 amount: -34 postedDate: 1672142400 description: INSUFFICIENT FUNDS FEE FOR A $68 memo: .00 RECURRING CARD PURCHASE - DE normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234898 amount: -28 postedDate: 1670932800 description: Insufficient Funds Charge VZ memo: WIRELESS VW 800-350-2830 - VZW WEBPAY normalizedPayee: Verizon institutionTransactionId: '0000000000' category: Low Balance - id: 101402234925 amount: -34 postedDate: 1670068800 description: INSUFFICIENT FUNDS FEE FOR CHECK memo: '#1049 IN THE AMOUNT OF $325.00' normalizedPayee: Amount institutionTransactionId: '0000000000' category: Low Balance - id: 101402234930 amount: -34 postedDate: 1669636800 description: INSUFFICIENT FUNDS FEE FOR A $10 memo: 7.61 CARD PURCHASE W/CASH - DETA normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234856 amount: -34 postedDate: 1669118400 description: INSUFFICIENT FUNDS FEE FOR A $20 memo: .01 CARD PURCHASE WITH PIN - DET normalizedPayee: insufficient funds fee for card purchase with pin det institutionTransactionId: '0000000000' category: Low Balance - id: 101402234880 amount: -34 postedDate: 1668686400 description: INSUFFICIENT FUNDS FEE FOR A $22 memo: '3.85 CARD PURCHASE - DETAILS:' normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234904 amount: 15.74 postedDate: 1667476800 description: WEB PAYPAL INST XFER memo: RETURNED ACH DEBIT NSF normalizedPayee: Paypal institutionTransactionId: '0000000000' category: Low Balance - id: 101402234929 amount: -30 postedDate: 1666180800 description: CHK# AMT $., NSF CHARGE memo: CHK# 00 AMT $195.73, NSF CHARGE normalizedPayee: Nsf Charge institutionTransactionId: '0000000000' category: Low Balance - id: 101402234913 amount: -30 postedDate: 1666008000 description: Insufficient Funds Charge normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234854 amount: -34 postedDate: 1666008000 description: INSUFFICIENT FUNDS FEE FOR A $75 memo: '.00 ITEM - DETAILS: CAPITAL ONE' normalizedPayee: Insufficient One institutionTransactionId: '0000000000' category: Low Balance - id: 101402234933 amount: -34 postedDate: 1664798400 description: INSUFFICIENT FUNDS FEE FOR A $22 memo: '0.49 ITEM - DETAILS: PROG DIRECT' normalizedPayee: Insufficient Details Prog institutionTransactionId: '0000000000' category: Low Balance - id: 101402234861 amount: -34 postedDate: 1664366400 description: INSUFFICIENT FUNDS FEE FOR A $10 memo: .00 RECURRING CARD PURCHASE - DE normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234885 amount: -34 postedDate: 1664280000 description: INSUFFICIENT FUNDS FEE FOR A $36 memo: '4.00 ITEM - DETAILS: F&A FED CRE' normalizedPayee: Insufficient Cre institutionTransactionId: '0000000000' category: Low Balance - id: 101402234909 amount: -34 postedDate: 1664020800 description: INSUFFICIENT FUNDS FEE FOR A $12 memo: .98 RECURRING CARD PURCHASE - DE normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234915 amount: -35 postedDate: 1663329600 description: OD PAID ITEM FEE INSUFFICIENT FU memo: OD PAID ITEM FEE INSUFFICIENT FUNDS normalizedPayee: Od Paid Item institutionTransactionId: '0000000000' category: Low Balance - id: 101402234940 amount: -34 postedDate: 1662206400 description: INSUFFICIENT FUNDS FEE FOR A $32 memo: .46 RECURRING CARD PURCHASE - DE normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234865 amount: -90 postedDate: 1661688000 description: NON-SUFFICIENT FUNDS CHARGE;Branch Transaction normalizedPayee: Non-sufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234891 amount: -30 postedDate: 1660651200 description: CHK# AMT $. NSF CHARGE memo: CHK# 00 AMT $188.83 NSF CHARGE normalizedPayee: Nsf Charge institutionTransactionId: '0000000000' category: Low Balance - id: 101402234914 amount: -34 postedDate: 1660564800 description: INSUFFICIENT FUNDS FEE FOR CHECK memo: '#5339 IN THE AMOUNT OF $50.00' normalizedPayee: Amount institutionTransactionId: '0000000000' category: Low Balance - id: 101402234900 amount: -35 postedDate: 1659528000 description: OVERDRAFT FEE NONSUFFICIENT FUND memo: OVERDRAFT FEE NONSUFFICIENT FUNDS normalizedPayee: Overdraft institutionTransactionId: '0000000000' category: Low Balance - id: 101402234876 amount: -24 postedDate: 1659528000 description: Insufficient Funds Fee normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234923 amount: 34 postedDate: 1659009600 description: INSUFFICIENT FUNDS FEE REFUND normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance analytics: transactionalAttributes: - attributeName: CASH_OUTFLOW aggregatedByTimePeriods: - periods: - count: 0 endDate: '2022-07-31' startDate: '2022-07-28' - count: 5 endDate: '2022-08-31' max: -24 mean: -42.6 median: -34 min: -90 standardDeviation: 26.847718711279736 startDate: '2022-08-01' sum: -213 - count: 4 endDate: '2024-06-30' max: -26.23 mean: -31.0575 median: -32 min: -34 standardDeviation: 3.7300435654292294 startDate: '2024-06-01' sum: -124.23 - count: 3 endDate: '2024-07-24' max: -28 mean: -30.666666666666668 median: -30 min: -34 standardDeviation: 3.0550504633038935 startDate: '2024-07-01' sum: -92 timeIntervalType: MONTHLY_CALENDAR streamIds: - b8dfd96c-ba60-4945-8d76-b58518d828ae - 5dac07a5-2fa6-4677-859f-cb29f488fc13 - 0b539443-c411-4afb-a239-13fa0fed8ac5 - cdb7a88b-9713-477d-b261-ec89250db8b5 transactionIds: - '101402234876' - '101402234935' - '101402234880' - '101402234868' - attributeName: CASH_INFLOW aggregatedByTimePeriods: - periods: - count: 1 endDate: '2022-07-31' max: 34 mean: 34 median: 34 min: 34 startDate: '2022-07-28' sum: 34 - count: 0 endDate: '2022-08-31' startDate: '2022-08-01' - count: 0 endDate: '2024-06-30' startDate: '2024-06-01' - count: 0 endDate: '2024-07-24' startDate: '2024-07-01' timeIntervalType: MONTHLY_CALENDAR streamIds: - f76d6419-a5e5-4eec-8472-2736f5176d4d - fe4177c9-1e79-4451-92f1-9ef7031170d6 transactionIds: - '101402234919' - '101402234943' - '101402234916' - '101402234906' - attributeName: ALL_CASH_FLOWS aggregatedByTimePeriods: - periods: - count: 1 endDate: '2022-07-31' max: 34 mean: 34 median: 34 min: 34 startDate: '2022-07-28' sum: 34 - count: 5 endDate: '2022-08-31' max: -24 mean: -42.6 median: -34 min: -90 standardDeviation: 26.847718711279736 startDate: '2022-08-01' sum: -213 - count: 4 endDate: '2024-06-30' max: -26.23 mean: -31.0575 median: -32 min: -34 standardDeviation: 3.7300435654292294 startDate: '2024-06-01' sum: -124.23 - count: 3 endDate: '2024-07-24' max: -28 mean: -30.666666666666668 median: -30 min: -34 standardDeviation: 3.0550504633038935 startDate: '2024-07-01' sum: -92 timeIntervalType: MONTHLY_CALENDAR streamIds: - 0b539443-c411-4afb-a239-13fa0fed8ac5 - cdb7a88b-9713-477d-b261-ec89250db8b5 transactionIds: - '101402234944' - '101402234942' - '101402234876' - '101402234935' - '101402234868' - attributeName: REVENUE aggregatedByTimePeriods: - periods: - count: 0 endDate: '2022-07-31' startDate: '2022-07-28' - count: 0 endDate: '2022-08-31' startDate: '2022-08-01' - count: 0 endDate: '2024-06-30' startDate: '2024-06-01' - count: 0 endDate: '2024-07-24' startDate: '2024-07-01' timeIntervalType: MONTHLY_CALENDAR streamIds: [] transactionIds: [] - attributeName: NSF_FEE_CHARGES aggregatedByTimePeriods: - periods: - count: 0 endDate: '2022-07-31' startDate: '2022-07-28' - count: 5 endDate: '2022-08-31' max: -24 mean: -42.6 median: -34 min: -90 standardDeviation: 26.847718711279736 startDate: '2022-08-01' sum: -213 - count: 4 endDate: '2024-06-30' max: -26.23 mean: -31.0575 median: -32 min: -34 standardDeviation: 3.7300435654292294 startDate: '2024-06-01' sum: -124.23 - count: 3 endDate: '2024-07-24' max: -28 mean: -30.666666666666668 median: -30 min: -34 standardDeviation: 3.0550504633038935 startDate: '2024-07-01' sum: -92 timeIntervalType: MONTHLY_CALENDAR streamIds: - b8dfd96c-ba60-4945-8d76-b58518d828ae - 5dac07a5-2fa6-4677-859f-cb29f488fc13 - cdb7a88b-9713-477d-b261-ec89250db8b5 transactionIds: - '101402234915' - '101402234914' - '101402234900' - '101402234876' - aggregatedByTimePeriods: - periods: - count: 0 endDate: '2022-07-31' startDate: '2022-07-28' - count: 0 endDate: '2022-08-31' startDate: '2022-08-01' - count: 0 endDate: '2024-06-30' startDate: '2024-06-01' - count: 0 endDate: '2024-07-24' startDate: '2024-07-01' timeIntervalType: MONTHLY_CALENDAR attributeName: NSF_FEE_REVERSALS streamIds: [] transactionIds: [] stateAttributes: - attributeName: NET_CASH_FLOW reportedByTimePeriods: - periods: - beginningValue: 34 count: 4 endDate: '2022-07-31' endingValue: 0 max: 34 mean: 8.5 median: 0 min: 0 standardDeviation: 17 startDate: '2022-07-28' sum: 34 - beginningValue: 0 count: 31 endDate: '2022-08-31' endingValue: 0 max: 0 mean: -6.870967741935484 median: 0 min: -90 standardDeviation: 20.144051124312725 startDate: '2022-08-01' sum: -213 - beginningValue: 0 count: 30 endDate: '2024-06-30' endingValue: 0 max: 0 mean: -4.141 median: 0 min: -34 standardDeviation: 10.804814492016813 startDate: '2024-06-01' sum: -124.23 - beginningValue: 0 count: 24 endDate: '2024-07-24' endingValue: 0 max: 0 mean: -3.8333333333333335 median: 0 min: -34 standardDeviation: 10.3992753370719 startDate: '2024-07-01' sum: -92 timeIntervalType: MONTHLY_CALENDAR streams: - cadence: 0 id: b8dfd96c-ba60-4945-8d76-b58518d828ae payee: insufficient payor: NSF USER recency: 8 transactionIds: - '101402234950' - '101402234913' - cadence: 0 id: f76d6419-a5e5-4eec-8472-2736f5176d4d payee: NSF USER payor: clark energy (return) recency: 118 transactionIds: - '101402234916' - cadence: 0 id: fe4177c9-1e79-4451-92f1-9ef7031170d6 payee: NSF USER payor: payment facilitator (return) recency: 463 transactionIds: - '101402234904' - '101402234867' - cadence: 0 id: 4b1811c1-2dff-4a07-86a9-558af48c50cb payee: institution_transaction payor: NSF USER recency: 574 transactionIds: - '101402234947' - cadence: 0 id: 5dac07a5-2fa6-4677-859f-cb29f488fc13 payee: verizon payor: NSF USER recency: 589 transactionIds: - '101402234898' - cadence: 0 id: 0b539443-c411-4afb-a239-13fa0fed8ac5 payee: nsf charge payor: NSF USER recency: 644 transactionIds: - '101402234929' - '101402234891' - cadence: 0 id: cdb7a88b-9713-477d-b261-ec89250db8b5 payee: non-sufficient payor: NSF USER recency: 696 transactionIds: - '101402234865' currency: USD - id: 3027530339 ownerName: Roberta Prohaska ownerAddress: Salt Lake City ownerAsOfDate: 1721818584 name: Checking number: '001111' type: checking aggregationStatusCode: 0 currentBalance: 724.1 availableBalance: 165 balanceDate: 1721815841 transactions: - id: 101402235536 amount: -6.99 postedDate: 1695297600 description: 'SONIC #4017' memo: PURCHASE 09/19 EDGEWATER CO CARD 9268 normalizedPayee: Sonic institutionTransactionId: '10190' category: Fast Food - id: 101402235535 amount: -203.45 postedDate: 1695297600 description: FSI*XCEL ENERGY PM memo: PURCHASE 09/20 800-895-4999 CO CARD 9268 normalizedPayee: Xcel Energy institutionTransactionId: '10189' category: Utilities - id: 101402235424 amount: -37.86 postedDate: 1658664000 description: THE HOME DEPOT 1550 memo: PURCHASE 07/22 LAKEWOOD CO CARD 9268 normalizedPayee: Home Depot institutionTransactionId: '10041' category: Home Improvement - id: 101402235423 amount: -21.05 postedDate: 1658664000 description: KING SOOP 1725 SHERIDA memo: PURCHASE 07/22 EDGEWATER CO CARD 9268 normalizedPayee: Soop institutionTransactionId: '10040' category: Groceries analytics: transactionalAttributes: - attributeName: CASH_OUTFLOW aggregatedByTimePeriods: - periods: - count: 9 endDate: '2022-07-31' max: -5.24 mean: -29.672222222222224 median: -21.05 min: -92.95 standardDeviation: 30.24118912087361 startDate: '2022-07-24' sum: -267.05 - count: 24 endDate: '2022-08-31' max: -1.67 mean: -113.86583333333333 median: -23.865 min: -1150 standardDeviation: 297.5267452050636 startDate: '2022-08-01' sum: -2732.78 - count: 0 endDate: '2024-06-30' startDate: '2024-06-01' - count: 0 endDate: '2024-07-24' startDate: '2024-07-01' timeIntervalType: MONTHLY_CALENDAR streamIds: - 14a1be06-6ef8-4685-808c-a033ae2e27aa - 8617b764-f1db-4f38-9e24-b6a6c64e156f - ff2e773c-bc91-4343-88dd-3445aa3adede - dbac0ee8-faff-4d2d-9f78-fec2721f4420 transactionIds: - '101402235485' - '101402244994' - '101402235495' - '101402244988' - attributeName: CASH_INFLOW aggregatedByTimePeriods: - periods: - count: 4 endDate: '2022-07-31' max: 261 mean: 188.5 median: 197 min: 99 standardDeviation: 70.40123104984268 startDate: '2022-07-24' sum: 754 - count: 6 endDate: '2022-08-31' max: 293 mean: 166.08333333333334 median: 171.75 min: 36 standardDeviation: 92.03826197113169 startDate: '2022-08-01' sum: 996.5 - count: 0 endDate: '2024-06-30' startDate: '2024-06-01' - count: 0 endDate: '2024-07-24' startDate: '2024-07-01' timeIntervalType: MONTHLY_CALENDAR streamIds: - ae2b5252-f1fb-4ba1-8d88-e13129cd627d - 33798f11-680c-4a1b-b48a-e6efb7d3e7a7 - 6488c9b2-9aa3-41c6-beb3-44047988d8c2 transactionIds: - '101402245000' - '101402245004' - '101402235457' - '101402244970' - attributeName: ALL_CASH_FLOWS aggregatedByTimePeriods: - periods: - count: 13 endDate: '2022-07-31' max: 261 mean: 37.457692307692305 median: -7.98 min: -92.95 standardDeviation: 113.28363364830818 startDate: '2022-07-24' sum: 486.95 - count: 30 endDate: '2022-08-31' max: 293 mean: -57.876 median: -18.72 min: -1150 standardDeviation: 290.928854635133 startDate: '2022-08-01' sum: -1736.28 - count: 0 endDate: '2024-06-30' startDate: '2024-06-01' - count: 0 endDate: '2024-07-24' startDate: '2024-07-01' timeIntervalType: MONTHLY_CALENDAR streamIds: - 9bbd2a04-60dd-4baf-a095-ba83f5dcd9c9 - 20fc33d4-53c2-4bed-813f-1fa836aa5dc2 - ecb3ee6a-a320-4b00-9666-28b0c4599652 - d6d69f39-d941-4c93-9626-246ea390ce93 transactionIds: - '101402245002' - '101402244983' - '101402235428' - '101402235513' - attributeName: REVENUE aggregatedByTimePeriods: - periods: - count: 2 endDate: '2022-07-31' max: 170 mean: 134.5 median: 134.5 min: 99 standardDeviation: 50.204581464244875 startDate: '2022-07-24' sum: 269 - count: 4 endDate: '2022-08-31' max: 293 mean: 168.125 median: 171.75 min: 36 standardDeviation: 107.42002839321911 startDate: '2022-08-01' sum: 672.5 - count: 0 endDate: '2024-06-30' startDate: '2024-06-01' - count: 0 endDate: '2024-07-24' startDate: '2024-07-01' timeIntervalType: MONTHLY_CALENDAR streamIds: - ae2b5252-f1fb-4ba1-8d88-e13129cd627d transactionIds: - '101402245004' - attributeName: NSF_FEE_CHARGES aggregatedByTimePeriods: - periods: - count: 0 endDate: '2022-07-31' startDate: '2022-07-24' - count: 1 endDate: '2022-08-31' max: -35 mean: -35 median: -35 min: -35 startDate: '2022-08-01' sum: -35 - count: 0 endDate: '2024-06-30' startDate: '2024-06-01' - count: 0 endDate: '2024-07-24' startDate: '2024-07-01' timeIntervalType: MONTHLY_CALENDAR streamIds: [] transactionIds: - '101402244981' - '101402235478' - attributeName: NSF_FEE_REVERSALS aggregatedByTimePeriods: - periods: - count: 0 endDate: '2022-07-31' startDate: '2022-07-24' - count: 0 endDate: '2022-08-31' startDate: '2022-08-01' - count: 0 endDate: '2024-06-30' startDate: '2024-06-01' - count: 0 endDate: '2024-07-24' startDate: '2024-07-01' timeIntervalType: MONTHLY_CALENDAR streamIds: [] transactionIds: [] stateAttributes: - attributeName: NET_CASH_FLOW reportedByTimePeriods: - periods: - beginningValue: -143.14000000000001 count: 8 endDate: '2022-07-31' endingValue: 0 max: 477.02 mean: 60.86875 median: 0 min: -143.14000000000001 standardDeviation: 188.17233176285887 startDate: '2022-07-24' sum: 486.95 - beginningValue: 0 count: 31 endDate: '2022-08-31' endingValue: -21.82 max: 293 mean: -56.009032258064515 median: 0 min: -1160.88 standardDeviation: 296.6524763799648 startDate: '2022-08-01' sum: -1736.28 - beginningValue: 0 count: 30 endDate: '2024-06-30' endingValue: 0 max: 0 mean: 0 median: 0 min: 0 standardDeviation: 0 startDate: '2024-06-01' sum: 0 - beginningValue: 0 count: 24 endDate: '2024-07-24' endingValue: 0 max: 0 mean: 0 median: 0 min: 0 standardDeviation: 0 startDate: '2024-07-01' sum: 0 timeIntervalType: MONTHLY_CALENDAR streams: - cadence: 190 id: 14a1be06-6ef8-4685-808c-a033ae2e27aa payee: sonic payor: Roberta Prohaska recency: 307 transactionIds: - '101402235507' - '101402235523' - '101402235536' - cadence: 0 id: 0505c1e8-56ed-4911-8097-f466dab0cbbc payee: xcel energy payor: Roberta Prohaska recency: 307 transactionIds: - '101402235535' currency: USD oauthEnabled: false customerAnalytics: stateAttributes: - attributeName: NET_CASH_FLOW reportedByTimePeriods: - periods: - beginningValue: -278.97 count: 8 endDate: '2022-07-31' endingValue: -164.7 max: 678.71 mean: 38.540000000000006 median: -26.450000000000003 min: -278.97 standardDeviation: 320.23035561474006 startDate: '2022-07-24' sum: 308.32000000000005 - beginningValue: 321 count: 31 endDate: '2022-08-31' endingValue: -21.82 max: 498.44000000000005 mean: -38.651290322580635 median: 0 min: -1198.74 standardDeviation: 344.1010097315606 startDate: '2022-08-01' sum: -1198.1899999999998 - beginningValue: 0 count: 30 endDate: '2024-06-30' endingValue: 0 max: 3390 mean: -50.952 median: 0 min: -4974.33 standardDeviation: 1117.177412711036 startDate: '2024-06-01' sum: -1528.56 - beginningValue: 0 count: 24 endDate: '2024-07-24' endingValue: 0 max: 3390 mean: -62.34708333333333 median: 0 min: -4974.33 standardDeviation: 1254.1757580473845 startDate: '2024-07-01' sum: -1496.33 timeIntervalType: MONTHLY_CALENDAR streams: - cadence: 73 id: 4e54a37c-25a3-4cf5-ad4a-537de1afeaeb payee: jo ann store purchase lakewood co card payor: Roberta Prohaska recency: 366 transactionIds: - '101402235316' - cadence: 0 id: 3978fe35-2037-45d1-9764-f2303699d5f1 payee: Roberta Prohaska payor: buy recency: 434 transactionIds: - '101402235188' - '101402244844' transactionalAttributes: - aggregatedByTimePeriods: - periods: - count: 22 endDate: '2022-07-31' max: -2.47 mean: -39.71272727272727 median: -22.575 min: -167.86 standardDeviation: 48.44036404072815 startDate: '2022-07-24' sum: -873.6800000000001 - count: 51 endDate: '2022-08-31' max: -1.67 mean: -68.74882352941177 median: -24 min: -1150 standardDeviation: 207.0556947649309 startDate: '2022-08-01' sum: -3506.19 - count: 10 endDate: '2024-06-30' max: -26.23 mean: -509.856 median: -300 min: -1358.11 standardDeviation: 597.0070650838229 startDate: '2024-06-01' sum: -5098.5599999999995 - count: 9 endDate: '2024-07-24' max: -28 mean: -562.9255555555555 median: -300 min: -1358.11 standardDeviation: 607.6863589079302 startDate: '2024-07-01' sum: -5066.33 timeIntervalType: MONTHLY_CALENDAR attributeName: CASH_OUTFLOW streamIds: - 9a7aaee1-f131-4ac3-a2f7-b3fa9705a52a - a59100dc-9c3e-4c7b-93ed-48cc47be5b6e - 2e5e2363-1f48-4d28-a3d7-5b16da06c0bf - 4e273dfb-e4cc-4b16-bc1e-95e4abbfcaa7 transactionIds: - '101402235167' - '101402234914' - '101402234830' - '101402234774' - aggregatedByTimePeriods: - periods: - count: 7 endDate: '2022-07-31' max: 261 mean: 168.85714285714286 median: 170 min: 34 standardDeviation: 79.20527880435868 startDate: '2022-07-24' sum: 1182 - count: 13 endDate: '2022-08-31' max: 321 mean: 177.53846153846155 median: 199.5 min: 36 standardDeviation: 94.35073342288283 startDate: '2022-08-01' sum: 2308 - count: 9 endDate: '2024-06-30' max: 1070 mean: 396.6666666666667 median: 60 min: 60 standardDeviation: 505 startDate: '2024-06-01' sum: 3570 - count: 9 endDate: '2024-07-24' max: 1070 mean: 396.6666666666667 median: 60 min: 60 standardDeviation: 505 startDate: '2024-07-01' sum: 3570 timeIntervalType: MONTHLY_CALENDAR attributeName: CASH_INFLOW streamIds: - 6488c9b2-9aa3-41c6-beb3-44047988d8c2 transactionIds: - '101402234787' - '101402235108' - '101402235513' - attributeName: ALL_CASH_FLOWS aggregatedByTimePeriods: - periods: - count: 29 endDate: '2022-07-31' max: 261 mean: 10.631724137931034 median: -9.99 min: -167.86 standardDeviation: 106.55717590198653 startDate: '2022-07-24' sum: 308.32 - count: 64 endDate: '2022-08-31' max: 321 mean: -18.72171875 median: -15.62 min: -1150 standardDeviation: 213.7644749804459 startDate: '2022-08-01' sum: -1198.19 - count: 19 endDate: '2024-06-30' max: 1070 mean: -80.45052631578946 median: -26.23 min: -1358.11 standardDeviation: 712.6092459208832 startDate: '2024-06-01' sum: -1528.5599999999997 - count: 18 endDate: '2024-07-24' max: 1070 mean: -83.12944444444443 median: 16 min: -1358.11 standardDeviation: 733.1695588612839 startDate: '2024-07-01' sum: -1496.3299999999997 timeIntervalType: MONTHLY_CALENDAR streamIds: - 4e273dfb-e4cc-4b16-bc1e-95e4abbfcaa7 transactionIds: - '101402235108' - '101402235513' - attributeName: REVENUE aggregatedByTimePeriods: - periods: - count: 7 endDate: '2022-07-31' max: 170 mean: 139.57142857142858 median: 170 min: 99 standardDeviation: 37.95109635156426 startDate: '2022-07-24' sum: 977 - count: 40 endDate: '2022-08-31' max: 688 mean: 199.2625 median: 144 min: 36 standardDeviation: 162.26367381439258 startDate: '2022-08-01' sum: 7970.5 - count: 0 endDate: '2024-06-30' startDate: '2024-06-01' - count: 0 endDate: '2024-07-24' startDate: '2024-07-01' timeIntervalType: MONTHLY_CALENDAR streamIds: - ae2b5252-f1fb-4ba1-8d88-e13129cd627d - f5bd445f-f5b6-46f8-9602-4202e56cd945 transactionIds: - '101402235303' - '101402245133' - '101402245135' - attributeName: NSF_FEE_CHARGES aggregatedByTimePeriods: - periods: - count: 4 endDate: '2022-07-31' max: -35 mean: -35 median: -35 min: -35 standardDeviation: 0 startDate: '2022-07-24' sum: -140 - count: 9 endDate: '2022-08-31' max: -24 mean: -39.22222222222222 median: -35 min: -90 standardDeviation: 19.40217628114033 startDate: '2022-08-01' sum: -353 - count: 4 endDate: '2024-06-30' max: -26.23 mean: -31.0575 median: -32 min: -34 standardDeviation: 3.7300435654292294 startDate: '2024-06-01' sum: -124.23 - count: 3 endDate: '2024-07-24' max: -28 mean: -30.666666666666668 median: -30 min: -34 standardDeviation: 3.0550504633038935 startDate: '2024-07-01' sum: -92 timeIntervalType: MONTHLY_CALENDAR streamIds: - b8dfd96c-ba60-4945-8d76-b58518d828ae - 5dac07a5-2fa6-4677-859f-cb29f488fc13 - cdb7a88b-9713-477d-b261-ec89250db8b5 transactionIds: - '101402234950' - '101402244981' - '101402235478' - attributeName: NSF_FEE_REVERSALS aggregatedByTimePeriods: - periods: - count: 0 endDate: '2022-07-31' startDate: '2022-07-24' - count: 0 endDate: '2022-08-31' startDate: '2022-08-01' - count: 0 endDate: '2024-06-30' startDate: '2024-06-01' - count: 0 endDate: '2024-07-24' startDate: '2024-07-01' timeIntervalType: MONTHLY_CALENDAR streamIds: [] transactionIds: [] gseEnabled: true PrequalificationCRAReportExample: summary: Prequalification CRA Report value: id: 88w4fbssrbja-prequalvoa customerId: 1000006677 requesterName: Decisioning API endUser: name: ABC Apartments address: 123 Main St city: Murray state: UT zip: '84123' phone: 555-2106 email: customerservice@example.com url: example.com requestId: sfb7xacr9w type: preQualVoa status: success createdDate: 1588350269 constraints: accountIds: - '1000535275' - '1000535276' fromDate: 1577986990 reportCustomFields: - label: loanID value: '12345' shown: true - label: trackingID value: '5555' shown: true - label: loanType value: car shown: false - label: vendorID value: 1613aa23 shown: true - label: vendorName value: PSC Finance shown: false showNsf: false customerType: active title: Asset Ready Report (CRA) startDate: 1572625469 endDate: 1588350269 days: 230 seasoned: true consolidatedAvailableBalance: 1929.57 portfolioId: 0whcism47a34-5-port consumerId: ac39e237c7619a4ecf014b8d399c0696 consumerSsn: '6789' consumerDetails: id: 3f7ff2cf0ffb3d0cd59875e070c9b1d4 firstName: John middleName: Doe lastName: Jane address: 123 Marple Street city: Anytown state: PA zip: '17101' phone: '5551234567' ssn: '1234' email: john.doe@example.com disputeStatement: Invalid data present. institutions: id: 101732 name: FinBank urlHomeApp: https://finbank.prod.fini.city/CCBankImageMFA/login.jsp accounts: id: 1000023996 number: '1111' ownerName: JOHN DOE ownerAddress: 924 GAINSVILLE HIGHWAY SUITE 130 BUFORD, GA 30518 ownerAsOfDate: 1588350276 name: Checking type: checking aggregationStatusCode: 0 balance: 501.24 balanceDate: 1588350276 averageMonthlyBalance: 501.02 totNumberInsufficientFundsFeeDebitTxAccount: 0 totNumberInsufficientFundsFeeDebitTxOver6MonthsAccount: 0 totNumberDaysSinceMostRecentInsufficientFundsFeeDebitTxAccount: 120 transactions: [] asset: type: checking availableBalance: 1000 currentBalance: 1000 twoMonthAverage: -1865.96 sixMonthAverage: -7616.01 beginningBalance: -17795.6 details: interestMarginBalance: -50000 availableCashBalance: 1500 vestedBalance: 300000 currentLoanBalance: 0 availableBalanceAmount: 1000 assets: currentBalance: 1000 availableBalance: 1000 twoMonthAverage: -1865.96 sixMonthAverage: -7616.01 beginningBalance: -17795.6 VOAReportExample: summary: VOA Report value: id: u4hstnnak45g customerId: 1000006677 consumerId: ac39e237c7619a4ecf014b8d399c0696 consumerSsn: '6789' consumerDetails: id: 3f7ff2cf0ffb3d0cd59875e070c9b1d4 firstName: John middleName: Doe lastName: Jane address: 123 Marple Street city: Anytown state: PA zip: '17101' phone: '5551234567' ssn: '1234' email: john.doe@example.com disputeStatement: Invalid data present. requesterName: Decisioning API endUser: name: ABC Apartments address: 123 Main St city: Murray state: UT zip: '84123' phone: 555-2106 email: customerservice@example.com url: example.com requestId: sfb7xp439w type: voa status: success createdDate: 1588350269 constraints: accountIds: - '1000535275' - '1000535276' fromDate: 1577986990 reportCustomFields: - label: loanID value: '12345' shown: true - label: trackingID value: '5555' shown: true - label: loanType value: car shown: false - label: vendorID value: 1613aa23 shown: true - label: vendorName value: PSC Finance shown: false showNsf: false customerType: active title: Mastercard Open Banking Verification of Assets startDate: 1572625469 endDate: 1588350269 days: 180 seasoned: false consolidatedAvailableBalance: 2345 portfolioId: dyr6qvqd2yhb-1-port institutions: id: 101732 name: FinBank urlHomeApp: https://finbank.prod.fini.city/CCBankImageMFA/login.jsp accounts: id: 1000023996 number: '1111' ownerName: JOHN DOE ownerAddress: 924 GAINSVILLE HIGHWAY SUITE 130 BUFORD, GA 30518 ownerAsOfDate: 1588350276 name: Checking type: checking availableBalance: 501.24 aggregationStatusCode: 0 balance: 501.24 balanceDate: 1588350276 averageMonthlyBalance: 501.02 totNumberInsufficientFundsFeeDebitTxAccount: 0 totNumberInsufficientFundsFeeDebitTxOver2MonthsAccount: 0 totNumberDaysSinceMostRecentInsufficientFundsFeeDebitTxAccount: 120 transactions: - id: 100000527471 amount: 22.21 postedDate: 1582286400 description: FINICITY INC PAYROLL memo: Finicity amount credit investmentTransactionType: dividend normalizedPayee: Finicity institutionTransactionId: '100000000' category: Paycheck bestRepresentation: FINICITY INC PAYROLL details: interestMarginBalance: -50000 availableCashBalance: 1500 vestedBalance: 300000 currentLoanBalance: 0 availableBalanceAmount: 1000 marginBalance: 100.0 currentBalance: 1000.0 position: - id: 637054 currency: USD symbol: MCD securityName: Common Stock units: 5 marketValue: 1403.55 currentPrice: 280.71 securityType: Stock asset: currentBalance: 1000 twoMonthAverage: -1865.96 sixMonthAverage: -7616.01 beginningBalance: -17795.6 assets: type: checking availableBalance: 1000 currentBalance: 1000 twoMonthAverage: -1865.96 sixMonthAverage: -7616.01 beginningBalance: -17795.6 BalanceBusinessCraAnalyticsReportResponseExample: value: id: sd1j45yn37wr-barbcra customerType: active customerId: 1275320 requestId: 7a7qyps2iy requesterName: Decisioning API endUser: name: ABC Apartments address: 123 Main St city: Murray state: UT zip: '84123' phone: 555-2106 email: customerservice@example.com url: example.com title: Mastercard Open Banking Balance Analytics consumerId: 3f7ff2cf0ffb3d0cd59875e070c9b1d4 consumerSsn: '1234' consumerDetails: id: 3f7ff2cf0ffb3d0cd59875e070c9b1d4 firstName: John middleName: Doe lastName: Jane address: 123 Marple Street city: Anytown state: PA zip: '17101' phone: '5551234567' ssn: '1234' email: john.doe@example.com disputeStatement: Invalid data present. businessDetails: id: 123 name: Name1 address: addressLine1: 2020 State Street addressLine2: Suite 301 city: Salt Lake City state: Utah country: USA postalCode: 84116 reportPin: 2398jk constraints: analyticsReportData: forCraPurpose: true forFtcPurpose: false applicantIsPersonalGuarantor: true timeIntervalTypes: - MONTHLY_CALENDAR type: barbcra status: success createdDate: 1579819592 startDate: 1512594823 endDate: 1575666823 days: 730 institutions: - id: '102105' name: FinBank Profiles urlHomeApp: http://www.finbank.com accounts: - id: '1111' ownerName: PATRICK & LORRAINE PURCHASER ownerAddress: 7195 BELMONT ST. PARLIN, NJ 08859 ownerAsOfDate: 1577986990 name: Checking number: XX1111 type: checking aggregationStatusCode: '0' currentBalance: 100000 availableBalance: 1000 balanceDate: 1614880526 transactions: - id: '00000001' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone - id: '00000002' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone - id: '00000003' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone - id: '00000004' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone analytics: transactionalAttributes: [] stateAttributes: - attributeName: ASSET_BALANCE reportedByTimePeriods: - timeIntervalType: MONTHLY_CALENDAR periods: - startDate: '2023-02-05' endDate: '2023-02-28' sum: 75517.99999999997 count: 24 mean: 3146.583333333333 median: 3145.2 min: 3145.2 max: 3178.4 standardDeviation: 6.776921621700182 beginningValue: 3145.2 endingValue: 3178.4 - startDate: '2023-03-01' endDate: '2023-03-31' sum: 95350.54000000005 count: 31 mean: 3075.823870967742 median: 3178.4 min: 2946.3 max: 3329.22 standardDeviation: 132.58604314877732 beginningValue: 3178.4 endingValue: 3329.22 streams: - id: 2b96f6d4-4882-4db2-96c6-f89530a68f1c payor: TD AMERITRADE payee: John Smith cadence: 15 recency: 124 transactionIds: - '00000003' - '00000004' - '00000001' - id: dafc9b5d-762d-4f91-a429-f80573944bcd payor: John Smith payee: TD AMERITRADE cadence: 0 recency: 139 transactionIds: - '00000002' - id: '2222' ownerName: PATRICK & LORRAINE PURCHASER ownerAddress: 7195 BELMONT ST. PARLIN, NJ 08859 ownerAsOfDate: 1577986990 name: Checking number: XX1111 type: checking aggregationStatusCode: '0' currentBalance: 100000 availableBalance: 1000 balanceDate: 1614880526 transactions: - id: '00000005' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone - id: '00000006' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone - id: '00000007' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone - id: 00000008 amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone analytics: transactionalAttributes: [] stateAttributes: - attributeName: ASSET_BALANCE reportedByTimePeriods: - timeIntervalType: MONTHLY_CALENDAR periods: - startDate: '2023-02-05' endDate: '2023-02-28' sum: 75517.99999999997 count: 24 mean: 3146.583333333333 median: 3145.2 min: 3145.2 max: 3178.4 standardDeviation: 6.776921621700182 beginningValue: 3145.2 endingValue: 3178.4 - startDate: '2023-03-01' endDate: '2023-03-31' sum: 95350.54000000005 count: 31 mean: 3075.823870967742 median: 3178.4 min: 2946.3 max: 3329.22 standardDeviation: 132.58604314877732 beginningValue: 3178.4 endingValue: 3329.22 streams: - id: b838ffb3-2549-43b3-a1b1-50bc13438e0f payor: John Smith payee: Whole Foods cadence: 0 recency: 124 transactionIds: - '00000005' - 00000008 - id: 54214633-39d7-43f4-9314-bae2ce3b6af9 payor: John Smith payee: Walmart cadence: 0 recency: 139 transactionIds: - '00000006' - '00000007' customerAnalytics: transactionalAttributes: [] stateAttributes: - attributeName: ASSET_BALANCE reportedByTimePeriods: - timeIntervalType: MONTHLY_CALENDAR periods: - startDate: '2023-02-05' endDate: '2023-02-28' sum: 75517.99999999997 count: 24 mean: 3146.583333333333 median: 3145.2 min: 3145.2 max: 3178.4 standardDeviation: 6.776921621700182 beginningValue: 3145.2 endingValue: 3178.4 - startDate: '2023-03-01' endDate: '2023-03-31' sum: 95350.54000000005 count: 31 mean: 3075.823870967742 median: 3178.4 min: 2946.3 max: 3329.22 standardDeviation: 132.58604314877732 beginningValue: 3178.4 endingValue: 3329.22 streams: - id: 2b96f6d4-4882-4db2-96c6-f89530a68f1c payor: TD AMERITRADE payee: John Smith cadence: 15 recency: 124 transactionIds: - '00000003' - '00000004' - '00000001' - id: dafc9b5d-762d-4f91-a429-f80573944bcd payor: John Smith payee: TD AMERITRADE cadence: 0 recency: 139 transactionIds: - '00000002' - id: b838ffb3-2549-43b3-a1b1-50bc13438e0f payor: John Smith payee: Whole Foods cadence: 0 recency: 124 transactionIds: - '00000005' - 00000008 - id: 54214633-39d7-43f4-9314-bae2ce3b6af9 payor: John Smith payee: Walmart cadence: 0 recency: 139 transactionIds: - '00000006' - '00000007' CashflowPersonalCraAnalyticsReportResponseExample: value: id: n1siaxtrn1ni-cfrpcra customerType: testing customerId: 1011077785 requestId: m8ks9vjq2u requesterName: Open Banking API Tests endUser: name: ABC Apartments address: 123 Main St city: Murray state: UT zip: '84123' phone: 555-2106 email: customerservice@example.com url: example.com title: Mastercard Open Banking Cash Flow Analytics consumerId: 8d510370aae83d459da0b905ee59e714 consumerSsn: '1147' consumerDetails: id: 3f7ff2cf0ffb3d0cd59875e070c9b1d4 firstName: John middleName: Doe lastName: Jane address: 123 Marple Street city: Anytown state: PA zip: '17101' phone: '5551234567' ssn: '1234' email: john.doe@example.com disputeStatement: Invalid data present. type: cfrpcra status: success constraints: analyticsReportData: forCraPurpose: true timeIntervalTypes: - MONTHLY_CALENDAR createdDate: 1721813301 startDate: 1658654901 endDate: 1721813301 days: 730 institutions: - id: 102105 name: FinBank Profiles - A urlHomeApp: http://www.finbank.com accounts: - id: 3027530342 ownerName: JNC PROPERTIES LLC ownerAddress: 1944 JAKETOWN RD DONNELLSON IL 62019 ownerAsOfDate: 1721818584 name: Business Investment number: '1101' type: investment aggregationStatusCode: 0 currentBalance: 100000 balanceDate: 1721813305 transactions: [] analytics: null currency: USD - id: 3027530343 ownerName: NSF USER ownerAddress: 123 VINE ST MURRAY, UT 84123 ownerAsOfDate: 1721813301 name: NSF Checking number: '0111' type: checking aggregationStatusCode: 0 currentBalance: 37700.65 availableBalance: 38000.45 balanceDate: 1721813306 transactions: - id: 101402234899 amount: -34 postedDate: 1708776000 description: INSUFFICIENT FUNDS FEE FOR A $12 memo: '.07 ITEM - DETAILS: ALLSTATE INS' normalizedPayee: Allstate institutionTransactionId: '0000000000' category: Low Balance - id: 101402234924 amount: -34 postedDate: 1706961600 description: INSUFFICIENT FUNDS FEE FOR A $21 memo: '.50 ITEM - DETAILS: HK Paymt' normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234869 amount: -34 postedDate: 1679140800 description: INSUFFICIENT FUNDS FEE FOR A $64 memo: '.64 ITEM - DETAILS: UI WEB PAYME' normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance - id: 101402234923 amount: 34 postedDate: 1659009600 description: INSUFFICIENT FUNDS FEE REFUND normalizedPayee: Insufficient institutionTransactionId: '0000000000' category: Low Balance analytics: transactionalAttributes: - attributeName: CASH_OUTFLOW aggregatedByTimePeriods: - periods: - count: 0 endDate: '2022-07-31' startDate: '2022-07-28' - count: 5 endDate: '2022-08-31' max: -24 mean: -42.6 median: -34 min: -90 standardDeviation: 26.847718711279736 startDate: '2022-08-01' sum: -213 - count: 4 endDate: '2024-06-30' max: -26.23 mean: -31.0575 median: -32 min: -34 standardDeviation: 3.7300435654292294 startDate: '2024-06-01' sum: -124.23 - count: 3 endDate: '2024-07-24' max: -28 mean: -30.666666666666668 median: -30 min: -34 standardDeviation: 3.0550504633038935 startDate: '2024-07-01' sum: -92 timeIntervalType: MONTHLY_CALENDAR streamIds: - 68bdc784-89d6-4704-9ded-d3e0f706f9e1 transactionIds: - '101402234901' - '101402234939' - '101402234879' - attributeName: CASH_INFLOW aggregatedByTimePeriods: - periods: - count: 1 endDate: '2022-07-31' max: 34 mean: 34 median: 34 min: 34 startDate: '2022-07-28' sum: 34 - count: 0 endDate: '2022-08-31' startDate: '2022-08-01' - count: 0 endDate: '2024-06-30' startDate: '2024-06-01' - count: 0 endDate: '2024-07-24' startDate: '2024-07-01' timeIntervalType: MONTHLY_CALENDAR streamIds: - 3dfd89be-33cc-484d-acbf-69587a0c44e6 transactionIds: - '101402234943' - attributeName: ALL_CASH_FLOWS aggregatedByTimePeriods: - periods: - count: 1 endDate: '2022-07-31' max: 34 mean: 34 median: 34 min: 34 startDate: '2022-07-28' sum: 34 - count: 5 endDate: '2022-08-31' max: -24 mean: -42.6 median: -34 min: -90 standardDeviation: 26.847718711279736 startDate: '2022-08-01' sum: -213 - count: 4 endDate: '2024-06-30' max: -26.23 mean: -31.0575 median: -32 min: -34 standardDeviation: 3.7300435654292294 startDate: '2024-06-01' sum: -124.23 - count: 3 endDate: '2024-07-24' max: -28 mean: -30.666666666666668 median: -30 min: -34 standardDeviation: 3.0550504633038935 startDate: '2024-07-01' sum: -92 timeIntervalType: MONTHLY_CALENDAR streamIds: - bb12a859-09b7-4021-8ac5-522e01d00159 transactionIds: - '101402234901' - '101402234883' - '101402234928' - '101402234879' - attributeName: NSF_FEE_CHARGES aggregatedByTimePeriods: - periods: - count: 0 endDate: '2022-07-31' startDate: '2022-07-28' - count: 5 endDate: '2022-08-31' max: -24 mean: -42.6 median: -34 min: -90 standardDeviation: 26.847718711279736 startDate: '2022-08-01' sum: -213 - count: 4 endDate: '2024-06-30' max: -26.23 mean: -31.0575 median: -32 min: -34 standardDeviation: 3.7300435654292294 startDate: '2024-06-01' sum: -124.23 - count: 3 endDate: '2024-07-24' max: -28 mean: -30.666666666666668 median: -30 min: -34 standardDeviation: 3.0550504633038935 startDate: '2024-07-01' sum: -92 timeIntervalType: MONTHLY_CALENDAR streamIds: - 68bdc784-89d6-4704-9ded-d3e0f706f9e1 transactionIds: - '101402234891' - '101402234914' - '101402234900' - '101402234876' - attributeName: NSF_FEE_REVERSALS aggregatedByTimePeriods: - periods: - count: 0 endDate: '2022-07-31' startDate: '2022-07-28' - count: 0 endDate: '2022-08-31' startDate: '2022-08-01' - count: 0 endDate: '2024-06-30' startDate: '2024-06-01' - count: 0 endDate: '2024-07-24' startDate: '2024-07-01' timeIntervalType: MONTHLY_CALENDAR streamIds: [] transactionIds: [] stateAttributes: - attributeName: NET_CASH_FLOW reportedByTimePeriods: - periods: - beginningValue: 34 count: 4 endDate: '2022-07-31' endingValue: 0 max: 34 mean: 8.5 median: 0 min: 0 standardDeviation: 17 startDate: '2022-07-28' sum: 34 - beginningValue: 0 count: 31 endDate: '2022-08-31' endingValue: 0 max: 0 mean: -6.870967741935484 median: 0 min: -90 standardDeviation: 20.144051124312725 startDate: '2022-08-01' sum: -213 - beginningValue: 0 count: 30 endDate: '2024-06-30' endingValue: 0 max: 0 mean: -4.141 median: 0 min: -34 standardDeviation: 10.804814492016813 startDate: '2024-06-01' sum: -124.23 - beginningValue: 0 count: 24 endDate: '2024-07-24' endingValue: 0 max: 0 mean: -3.8333333333333335 median: 0 min: -34 standardDeviation: 10.3992753370719 startDate: '2024-07-01' sum: -92 timeIntervalType: MONTHLY_CALENDAR streams: - cadence: 0 id: 68bdc784-89d6-4704-9ded-d3e0f706f9e1 payee: non-sufficient payor: NSF USER recency: 696 transactionIds: - '101402234865' currency: USD oauthEnabled: false customerAnalytics: transactionalAttributes: - attributeName: CASH_OUTFLOW aggregatedByTimePeriods: - periods: - count: 18 endDate: '2022-07-31' max: -2.47 mean: -53.702222222222225 median: -22.965 min: -167.86 standardDeviation: 58.32137067254321 startDate: '2022-07-24' sum: -966.64 - count: 37 endDate: '2022-08-31' max: -2.5 mean: -62.64945945945946 median: -27.39 min: -1150 standardDeviation: 185.22983467912306 startDate: '2022-08-01' sum: -2318.03 - count: 10 endDate: '2024-06-30' max: -26.23 mean: -509.856 median: -300 min: -1358.11 standardDeviation: 597.0070650838229 startDate: '2024-06-01' sum: -5098.5599999999995 - count: 9 endDate: '2024-07-24' max: -28 mean: -562.9255555555555 median: -300 min: -1358.11 standardDeviation: 607.6863589079302 startDate: '2024-07-01' sum: -5066.33 timeIntervalType: MONTHLY_CALENDAR streamIds: - bb12a859-09b7-4021-8ac5-522e01d00159 - d0bbf017-2c98-4eb1-835c-66dbe0998b02 - e19e1671-19a1-42b3-91f0-277c0a9dba89 - 68bdc784-89d6-4704-9ded-d3e0f706f9e1 transactionIds: - '101402234822' - '101402234883' - '101402235089' - '101402234758' - attributeName: CASH_INFLOW aggregatedByTimePeriods: - periods: - count: 2 endDate: '2022-07-31' max: 224 mean: 129 median: 129 min: 34 standardDeviation: 134.35028842544403 startDate: '2022-07-24' sum: 258 - count: 12 endDate: '2022-08-31' max: 522 mean: 243.70833333333334 median: 224 min: 130 standardDeviation: 104.15274149347228 startDate: '2022-08-01' sum: 2924.5 - count: 9 endDate: '2024-06-30' max: 1070 mean: 396.6666666666667 median: 60 min: 60 standardDeviation: 505 startDate: '2024-06-01' sum: 3570 - count: 9 endDate: '2024-07-24' max: 1070 mean: 396.6666666666667 median: 60 min: 60 standardDeviation: 505 startDate: '2024-07-01' sum: 3570 timeIntervalType: MONTHLY_CALENDAR streamIds: - 6c3fb158-b6c2-44f7-a528-28ebd60d4eb1 transactionIds: - '101402235114' - '101402234793' - '101402235014' - '101402235455' - attributeName: ALL_CASH_FLOWS aggregatedByTimePeriods: - periods: - count: 20 endDate: '2022-07-31' max: 224 mean: -35.432 median: -22.63 min: -167.86 standardDeviation: 84.59117856210726 startDate: '2022-07-24' sum: -708.64 - count: 49 endDate: '2022-08-31' max: 522 mean: 12.376938775510204 median: -21.82 min: -1150 standardDeviation: 214.3270055138106 startDate: '2022-08-01' sum: 606.47 - count: 19 endDate: '2024-06-30' max: 1070 mean: -80.45052631578946 median: -26.23 min: -1358.11 standardDeviation: 712.6092459208832 startDate: '2024-06-01' sum: -1528.5599999999997 - count: 18 endDate: '2024-07-24' max: 1070 mean: -83.12944444444443 median: 16 min: -1358.11 standardDeviation: 733.1695588612839 startDate: '2024-07-01' sum: -1496.3299999999997 timeIntervalType: MONTHLY_CALENDAR streamIds: - 3136487d-d9a7-4f89-a1f0-6e9415e053e7 - 3efccc82-01b9-497b-bf3f-27f215db2d96 transactionIds: - '101402234891' - '101402234747' - '101402234831' - '101402235000' - attributeName: NSF_FEE_CHARGES aggregatedByTimePeriods: - periods: - count: 2 endDate: '2022-07-31' max: -35 mean: -35 median: -35 min: -35 standardDeviation: 0 startDate: '2022-07-24' sum: -70 - count: 6 endDate: '2022-08-31' max: -24 mean: -41.333333333333336 median: -34.5 min: -90 standardDeviation: 24.21294419657937 startDate: '2022-08-01' sum: -248 - count: 5 endDate: '2022-09-30' max: -34 mean: -34.2 median: -34 min: -35 standardDeviation: 0.4472135954999579 startDate: '2022-09-01' sum: -171 - count: 3 endDate: '2022-10-31' max: -30 mean: -32.666666666666664 median: -34 min: -34 standardDeviation: 2.309401076758503 startDate: '2022-10-01' sum: -98 - count: 3 endDate: '2022-11-30' max: -34 mean: -34 median: -34 min: -34 standardDeviation: 0 startDate: '2022-11-01' sum: -102 - count: 3 endDate: '2022-12-31' max: -28 mean: -32 median: -34 min: -34 standardDeviation: 3.4641016151377544 startDate: '2022-12-01' sum: -96 - count: 3 endDate: '2023-01-31' max: -30 mean: -32.666666666666664 median: -34 min: -34 standardDeviation: 2.309401076758503 startDate: '2023-01-01' sum: -98 - count: 4 endDate: '2024-06-30' max: -26.23 mean: -31.0575 median: -32 min: -34 standardDeviation: 3.7300435654292294 startDate: '2024-06-01' sum: -124.23 - count: 3 endDate: '2024-07-24' max: -28 mean: -30.666666666666668 median: -30 min: -34 standardDeviation: 3.0550504633038935 startDate: '2024-07-01' sum: -92 timeIntervalType: MONTHLY_CALENDAR streamIds: - bb12a859-09b7-4021-8ac5-522e01d00159 - d0bbf017-2c98-4eb1-835c-66dbe0998b02 - 68bdc784-89d6-4704-9ded-d3e0f706f9e1 transactionIds: - '101402234952' - '101402235803' - '101402235249' - '101402235478' - attributeName: NSF_FEE_REVERSALS aggregatedByTimePeriods: - periods: - count: 0 endDate: '2022-07-31' startDate: '2022-07-24' - count: 0 endDate: '2022-08-31' startDate: '2022-08-01' - count: 0 endDate: '2024-06-30' startDate: '2024-06-01' - count: 0 endDate: '2024-07-24' startDate: '2024-07-01' timeIntervalType: MONTHLY_CALENDAR streamIds: [] transactionIds: [] stateAttributes: - attributeName: NET_CASH_FLOW reportedByTimePeriods: - periods: - beginningValue: -220.48000000000002 count: 8 endDate: '2022-07-31' endingValue: -329.4 max: 201.69 mean: -88.58 median: -84.805 min: -329.4 standardDeviation: 169.11989534055417 startDate: '2022-07-24' sum: -708.64 - beginningValue: 321 count: 31 endDate: '2022-08-31' endingValue: -43.64 max: 646 mean: 19.563548387096777 median: 0 min: -923.38 standardDeviation: 251.584474289762 startDate: '2022-08-01' sum: 606.47 - beginningValue: 0 count: 30 endDate: '2024-06-30' endingValue: 0 max: 3390 mean: -50.952 median: 0 min: -4974.33 standardDeviation: 1117.177412711036 startDate: '2024-06-01' sum: -1528.56 - beginningValue: 0 count: 24 endDate: '2024-07-24' endingValue: 0 max: 3390 mean: -62.34708333333333 median: 0 min: -4974.33 standardDeviation: 1254.1757580473845 startDate: '2024-07-01' sum: -1496.33 timeIntervalType: MONTHLY_CALENDAR streams: - cadence: 0 id: d0bbf017-2c98-4eb1-835c-66dbe0998b02 payee: verizon payor: NSF USER recency: 589 transactionIds: - '101402234898' - cadence: 5 id: 0139e287-041d-4c45-b51d-108d204c05e2 payee: Account Owner (Name Unavailable) payor: capital1 bob jones recency: 4 transactionIds: - '101402235180' - cadence: 73 id: 071c8894-460c-4b55-a0dd-783d420be32d payee: murphy express payor: Roberta Prohaska recency: 307 transactionIds: - '101402235534' - cadence: 122 id: 649504d3-f9ef-4476-9743-ebf45563158d payee: renttrk-inco payor: Roberta Prohaska recency: 322 transactionIds: - '101402235506' gseEnabled: true MissingFinicityAppTokenExample: value: code: '10024' message: Missing parameter (Finicity-App-Token) BalanceBusinessNonCraAnalyticsReportResponseExample: value: id: sd1j45yn37wr-barbnoncra customerType: active customerId: 1275320 requestId: 7a7qyps2iy requesterName: Decisioning API title: Mastercard Open Banking Balance Analytics businessDetails: id: 123 name: Name1 address: addressLine1: 2020 State Street addressLine2: Suite 301 city: Salt Lake City state: Utah country: USA postalCode: 84116 reportPin: 2398jk constraints: analyticsReportData: forCraPurpose: false forFtcPurpose: false applicantIsPersonalGuarantor: false timeIntervalTypes: - MONTHLY_CALENDAR type: barbnoncra status: success createdDate: 1579819592 startDate: 1512594823 endDate: 1575666823 days: 730 institutions: - id: '102105' name: FinBank Profiles urlHomeApp: http://www.finbank.com accounts: - id: '1111' ownerName: PATRICK & LORRAINE PURCHASER ownerAddress: 7195 BELMONT ST. PARLIN, NJ 08859 ownerAsOfDate: 1577986990 name: Checking number: XX1111 type: checking aggregationStatusCode: '0' currentBalance: 100000 availableBalance: 1000 balanceDate: 1614880526 transactions: - id: '00000001' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone - id: '00000002' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone - id: '00000003' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone - id: '00000004' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone analytics: transactionalAttributes: [] stateAttributes: - attributeName: ASSET_BALANCE reportedByTimePeriods: - timeIntervalType: MONTHLY_CALENDAR periods: - startDate: '2023-02-05' endDate: '2023-02-28' sum: 75517.99999999997 count: 24 mean: 3146.583333333333 median: 3145.2 min: 3145.2 max: 3178.4 standardDeviation: 6.776921621700182 beginningValue: 3145.2 endingValue: 3178.4 - startDate: '2023-03-01' endDate: '2023-03-31' sum: 95350.54000000005 count: 31 mean: 3075.823870967742 median: 3178.4 min: 2946.3 max: 3329.22 standardDeviation: 132.58604314877732 beginningValue: 3178.4 endingValue: 3329.22 streams: - id: 2b96f6d4-4882-4db2-96c6-f89530a68f1c payor: TD AMERITRADE payee: John Smith cadence: 15 recency: 124 transactionIds: - '00000003' - '00000004' - '00000001' - id: dafc9b5d-762d-4f91-a429-f80573944bcd payor: John Smith payee: TD AMERITRADE cadence: 0 recency: 139 transactionIds: - '00000002' - id: '2222' ownerName: PATRICK & LORRAINE PURCHASER ownerAddress: 7195 BELMONT ST. PARLIN, NJ 08859 ownerAsOfDate: 1577986990 name: Checking number: XX1111 type: checking aggregationStatusCode: '0' currentBalance: 100000 availableBalance: 1000 balanceDate: 1614880526 transactions: - id: '00000005' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone - id: '00000006' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone - id: '00000007' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone - id: 00000008 amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone analytics: transactionalAttributes: [] stateAttributes: - attributeName: ASSET_BALANCE reportedByTimePeriods: - timeIntervalType: MONTHLY_CALENDAR periods: - startDate: '2023-02-05' endDate: '2023-02-28' sum: 75517.99999999997 count: 24 mean: 3146.583333333333 median: 3145.2 min: 3145.2 max: 3178.4 standardDeviation: 6.776921621700182 beginningValue: 3145.2 endingValue: 3178.4 - startDate: '2023-03-01' endDate: '2023-03-31' sum: 95350.54000000005 count: 31 mean: 3075.823870967742 median: 3178.4 min: 2946.3 max: 3329.22 standardDeviation: 132.58604314877732 beginningValue: 3178.4 endingValue: 3329.22 streams: - id: b838ffb3-2549-43b3-a1b1-50bc13438e0f payor: John Smith payee: Whole Foods cadence: 0 recency: 124 transactionIds: - '00000005' - 00000008 - id: 54214633-39d7-43f4-9314-bae2ce3b6af9 payor: John Smith payee: Walmart cadence: 0 recency: 139 transactionIds: - '00000006' - '00000007' customerAnalytics: transactionalAttributes: [] stateAttributes: - attributeName: ASSET_BALANCE reportedByTimePeriods: - timeIntervalType: MONTHLY_CALENDAR periods: - startDate: '2023-02-05' endDate: '2023-02-28' sum: 75517.99999999997 count: 24 mean: 3146.583333333333 median: 3145.2 min: 3145.2 max: 3178.4 standardDeviation: 6.776921621700182 beginningValue: 3145.2 endingValue: 3178.4 - startDate: '2023-03-01' endDate: '2023-03-31' sum: 95350.54000000005 count: 31 mean: 3075.823870967742 median: 3178.4 min: 2946.3 max: 3329.22 standardDeviation: 132.58604314877732 beginningValue: 3178.4 endingValue: 3329.22 streams: - id: 2b96f6d4-4882-4db2-96c6-f89530a68f1c payor: TD AMERITRADE payee: John Smith cadence: 15 recency: 124 transactionIds: - '00000003' - '00000004' - '00000001' - id: dafc9b5d-762d-4f91-a429-f80573944bcd payor: John Smith payee: TD AMERITRADE cadence: 0 recency: 139 transactionIds: - '00000002' - id: b838ffb3-2549-43b3-a1b1-50bc13438e0f payor: John Smith payee: Whole Foods cadence: 0 recency: 124 transactionIds: - '00000005' - 00000008 - id: 54214633-39d7-43f4-9314-bae2ce3b6af9 payor: John Smith payee: Walmart cadence: 0 recency: 139 transactionIds: - '00000006' - '00000007' GenerateRetailSalesBenchmarksReportExample: value: id: y3pic4xhda-sbcabenchmarksnoncra customerType: testing customerId: 1001483250 createdDate: 1739824892 requestId: y3pic4xhda requestorName: ABC Partner partnerName: ABC partner type: sbcabenchmarksnoncra title: Mastercard Open Banking Small Business Credit Analytics constraints: analyticsReportData: sbcaParams: hasConsent: true metricFrequency: monthly metricType: retail_sales_benchmarks locationId: a1b2c3d4-0000-1234-abcd-000000000001 businessDetails: name: ABC Tires Inc personallyLiable: true address: addressLine1: 434 W Ascension Way addressLine2: 'Suite #200' city: Murray state: UT country: USA postalCode: '84123' phoneNumber: countryCode: '1' phoneNo: '8042221111' retailSalesBenchmarksMetrics: - locationId: a1b2c3d4-0000-1234-abcd-000000000001 merchantCategoryCode: 478 naicsCode: 454113 industryName: Arts and Craft Stores firstSeenTxnDate: '2008-08-14' lastSeenTxnDate: '2023-02-18' metricsFrequency: Monthly metricsLists: - periodStartDate: '2023-02-01' periodEndDate: '2023-02-28' year: 2023 metrics: - name: txn_cnt_index value: 118 - name: num_cards_index value: 121 PaymentHistoryBusinessNonCraAnalyticsReportResponseExample: value: id: sd1j45yn37wr-phrbnoncra customerType: active customerId: 1275320 requestId: 7a7qyps2iy requesterName: Decisioning API title: Mastercard Open Banking Payment History Analytics businessDetails: id: 123 name: Name1 address: addressLine1: 2020 State Street addressLine2: Suite 301 city: Salt Lake City state: Utah country: USA postalCode: 84116 constraints: analyticsReportData: forCraPurpose: false forFtcPurpose: false applicantIsPersonalGuarantor: false timeIntervalTypes: - HISTORICALLY type: phrbnoncra status: success createdDate: 1579819592 reportRefreshNumber: 2 originalReportCreatedDate: 1607450357 startDate: 1512594823 endDate: 1575666823 days: 730 institutions: - id: '102105' name: FinBank Profiles urlHomeApp: http://www.finbank.com accounts: - id: '1111' ownerName: PATRICK & LORRAINE PURCHASER ownerAddress: 7195 BELMONT ST. PARLIN, NJ 08859 ownerAsOfDate: 1579819592 name: Checking number: XX1111 type: checking aggregationStatusCode: '0' currentBalance: 100000 availableBalance: 1000 balanceDate: 1614880526 transactions: - id: '00000001' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone - id: '00000002' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone analytics: transactionalAttributes: - attributeName: CASH_OUTFLOW aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: CASH_INFLOW aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 5050 count: 100 mean: 50.5 median: 50.5 min: 1 max: 100 standardDeviation: 29.011491975882016 comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: - '10' - '72' - '78' - '16' - '25' - '67' - '27' - '15' - '36' - '75' - '88' - '57' - '51' - '30' - '66' - '87' - '61' - '6' - '82' - '48' - '40' projectedValues: [] streamIds: - e6dd352d-67d3-4a6c-a7a0-68f1e994bb22 streamConfidences: null - attributeName: INSURANCE_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: TAX_PAYMENTS aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: DISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NONDISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: RECURRING_EXPENSES aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: RECURRING_LOAN_PAYMENTS aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NSF_FEE_CHARGES aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null stateAttributes: - attributeName: MISSED_RECURRING_EXPENSES reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 0 count: 732 mean: 0 median: 0 min: 0 max: 0 standardDeviation: 0 comparedToCohorts: [] beginningValue: 0 endingValue: 0 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: MISSED_RECURRING_LOAN_PAYMENTS reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 0 count: 732 mean: 0 median: 0 min: 0 max: 0 standardDeviation: 0 comparedToCohorts: [] beginningValue: 0 endingValue: 0 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: PAYMENT_RISK_SCORE reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 19825 count: 732 mean: 27.083333333333332 median: 24 min: -1 max: 46 standardDeviation: 8.739575902668523 comparedToCohorts: [] beginningValue: -1 endingValue: 24 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: ASSET_BALANCE reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: -900726.9199999999 count: 732 mean: -1230.501256830601 median: -1192.56 min: -3804.56 max: 1234.44 standardDeviation: 1628.527991127309 comparedToCohorts: [] beginningValue: -3804.56 endingValue: 1234.44 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] streams: - id: e6dd352d-67d3-4a6c-a7a0-68f1e994bb22 payor: '0' payee: John Smith cadence: 7 status: inactive recency: 118 earliestObservedDate: '2022-09-18T00:00:00' latestObservedDate: '2024-09-13T00:00:00' count: 100 sum: 5050 min: 1 max: 100 mean: 50.5 median: 50.5 standardDeviation: 29.011491975882016 minimumCadence: 0 maximumCadence: 58 medianCadence: 4 modeCadence: 2 standardDeviationCadence: 9.261506907846133 transactionIds: - '0' - '1' - '10' - '11' - '12' - '13' - '14' - '15' - '16' - '17' - '18' - '19' - '2' - '20' - '21' - '22' - '23' - '24' - '25' - '26' - '27' - '28' - '29' - '3' - '30' - id: '2222' ownerName: PATRICK & LORRAINE PURCHASER ownerAddress: 7195 BELMONT ST. PARLIN, NJ 08859 ownerAsOfDate: 1579819592 name: Checking number: XX1111 type: checking aggregationStatusCode: '0' currentBalance: 100000 availableBalance: 1000 balanceDate: 1614880526 transactions: - id: '00000005' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone - id: '00000006' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone analytics: transactionalAttributes: - attributeName: CASH_OUTFLOW aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: CASH_INFLOW aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 5050 count: 100 mean: 50.5 median: 50.5 min: 1 max: 100 standardDeviation: 29.011491975882016 comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: - '10' - '72' - '78' - '16' - '25' - '67' - '27' - '15' - '36' - '75' - '88' - '57' - '51' - '30' - '66' - '87' - '61' - '6' - '82' - '48' - '40' projectedValues: [] streamIds: - e6dd352d-67d3-4a6c-a7a0-68f1e994bb22 streamConfidences: null - attributeName: INSURANCE_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: TAX_PAYMENTS aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: DISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NONDISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: RECURRING_EXPENSES aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: RECURRING_LOAN_PAYMENTS aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NSF_FEE_CHARGES aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null stateAttributes: - attributeName: MISSED_RECURRING_EXPENSES reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 0 count: 732 mean: 0 median: 0 min: 0 max: 0 standardDeviation: 0 comparedToCohorts: [] beginningValue: 0 endingValue: 0 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: MISSED_RECURRING_LOAN_PAYMENTS reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 0 count: 732 mean: 0 median: 0 min: 0 max: 0 standardDeviation: 0 comparedToCohorts: [] beginningValue: 0 endingValue: 0 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: PAYMENT_RISK_SCORE reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 19825 count: 732 mean: 27.083333333333332 median: 24 min: -1 max: 46 standardDeviation: 8.739575902668523 comparedToCohorts: [] beginningValue: -1 endingValue: 24 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: ASSET_BALANCE reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: -900726.9199999999 count: 732 mean: -1230.501256830601 median: -1192.56 min: -3804.56 max: 1234.44 standardDeviation: 1628.527991127309 comparedToCohorts: [] beginningValue: -3804.56 endingValue: 1234.44 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] streams: - id: e6dd352d-67d3-4a6c-a7a0-68f1e994bb22 payor: '0' payee: John Smith cadence: 7 status: inactive recency: 118 earliestObservedDate: '2022-09-18T00:00:00' latestObservedDate: '2024-09-13T00:00:00' count: 100 sum: 5050 min: 1 max: 100 mean: 50.5 median: 50.5 standardDeviation: 29.011491975882016 minimumCadence: 0 maximumCadence: 58 medianCadence: 4 modeCadence: 2 standardDeviationCadence: 9.261506907846133 transactionIds: - '0' - '1' - '10' - '11' - '12' - '13' - '14' - '15' - '16' - '17' - '18' - '19' - '2' - '20' - '21' - '22' - '23' - '24' - '25' - '26' - '27' - '28' - '29' - '3' - '30' customerAnalytics: transactionalAttributes: - attributeName: CASH_OUTFLOW aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: CASH_INFLOW aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 5050 count: 100 mean: 50.5 median: 50.5 min: 1 max: 100 standardDeviation: 29.011491975882016 comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: - '10' - '72' - '78' - '16' - '25' - '67' - '27' - '15' - '36' - '75' - '88' - '57' - '51' - '30' - '66' - '87' - '61' - '6' - '82' - '48' - '40' - '45' - '96' - '95' projectedValues: [] streamIds: - e6dd352d-67d3-4a6c-a7a0-68f1e994bb22 streamConfidences: null - attributeName: INSURANCE_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: TAX_PAYMENTS aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: DISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NONDISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: RECURRING_EXPENSES aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: RECURRING_LOAN_PAYMENTS aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NSF_FEE_CHARGES aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null stateAttributes: - attributeName: MISSED_RECURRING_EXPENSES reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 0 count: 732 mean: 0 median: 0 min: 0 max: 0 standardDeviation: 0 comparedToCohorts: [] beginningValue: 0 endingValue: 0 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: MISSED_RECURRING_LOAN_PAYMENTS reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 0 count: 732 mean: 0 median: 0 min: 0 max: 0 standardDeviation: 0 comparedToCohorts: [] beginningValue: 0 endingValue: 0 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: PAYMENT_RISK_SCORE reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 19825 count: 732 mean: 27.083333333333332 median: 24 min: -1 max: 46 standardDeviation: 8.739575902668523 comparedToCohorts: [] beginningValue: -1 endingValue: 24 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: ASSET_BALANCE reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: -900726.9199999999 count: 732 mean: -1230.501256830601 median: -1192.56 min: -3804.56 max: 1234.44 standardDeviation: 1628.527991127309 comparedToCohorts: [] beginningValue: -3804.56 endingValue: 1234.44 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] streams: - id: e6dd352d-67d3-4a6c-a7a0-68f1e994bb22 payor: '0' payee: John Smith cadence: 7 status: inactive recency: 118 earliestObservedDate: '2022-09-18T00:00:00' latestObservedDate: '2024-09-13T00:00:00' count: 100 sum: 5050 min: 1 max: 100 mean: 50.5 median: 50.5 standardDeviation: 29.011491975882016 minimumCadence: 0 maximumCadence: 58 medianCadence: 4 modeCadence: 2 standardDeviationCadence: 9.261506907846133 transactionIds: - '0' - '1' - '10' - '11' - '12' - '13' - '14' - '15' - '16' - '17' - '18' - '19' - '2' - '20' - '21' - '22' - '23' - '24' - '25' - '26' - '27' - '28' - '29' - '3' - '30' BalancePersonalNonCraAnalyticsReportResponseExample: value: id: sd1j45yn37wr-barpnoncra customerType: active customerId: 1275320 requestId: 7a7qyps2iy requesterName: Decisioning API endUser: name: ABC Apartments address: 123 Main St city: Murray state: UT zip: '84123' phone: 555-2106 email: customerservice@example.com url: example.com title: Mastercard Open Banking Balance Analytics constraints: analyticsReportData: forCraPurpose: false timeIntervalTypes: - MONTHLY_CALENDAR type: barpnoncra status: success createdDate: 1579819592 startDate: 1512594823 endDate: 1575666823 days: 730 institutions: - id: '102105' name: FinBank Profiles urlHomeApp: http://www.finbank.com accounts: - id: '1111' ownerName: PATRICK & LORRAINE PURCHASER ownerAddress: 7195 BELMONT ST. PARLIN, NJ 08859 ownerAsOfDate: 1577986990 name: Checking number: XX1111 type: checking aggregationStatusCode: '0' currentBalance: 100000 availableBalance: 1000 balanceDate: 1614880526 transactions: - id: '00000001' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone - id: '00000002' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone - id: '00000003' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone - id: '00000004' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone analytics: transactionalAttributes: [] stateAttributes: - attributeName: ASSET_BALANCE reportedByTimePeriods: - timeIntervalType: MONTHLY_CALENDAR periods: - startDate: '2023-02-05' endDate: '2023-02-28' sum: 75517.99999999997 count: 24 mean: 3146.583333333333 median: 3145.2 min: 3145.2 max: 3178.4 standardDeviation: 6.776921621700182 beginningValue: 3145.2 endingValue: 3178.4 - startDate: '2023-03-01' endDate: '2023-03-31' sum: 95350.54000000005 count: 31 mean: 3075.823870967742 median: 3178.4 min: 2946.3 max: 3329.22 standardDeviation: 132.58604314877732 beginningValue: 3178.4 endingValue: 3329.22 streams: - id: 2b96f6d4-4882-4db2-96c6-f89530a68f1c payor: TD AMERITRADE payee: John Smith cadence: 15 recency: 124 transactionIds: - '00000003' - '00000004' - '00000001' - id: dafc9b5d-762d-4f91-a429-f80573944bcd payor: John Smith payee: TD AMERITRADE cadence: 0 recency: 139 transactionIds: - '00000002' - id: '2222' ownerName: PATRICK & LORRAINE PURCHASER ownerAddress: 7195 BELMONT ST. PARLIN, NJ 08859 ownerAsOfDate: 1577986990 name: Checking number: XX1111 type: checking aggregationStatusCode: '0' currentBalance: 100000 availableBalance: 1000 balanceDate: 1614880526 transactions: - id: '00000005' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone - id: '00000006' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone - id: '00000007' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone - id: 00000008 amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone analytics: transactionalAttributes: [] stateAttributes: - attributeName: ASSET_BALANCE reportedByTimePeriods: - timeIntervalType: MONTHLY_CALENDAR periods: - startDate: '2023-02-05' endDate: '2023-02-28' sum: 75517.99999999997 count: 24 mean: 3146.583333333333 median: 3145.2 min: 3145.2 max: 3178.4 standardDeviation: 6.776921621700182 beginningValue: 3145.2 endingValue: 3178.4 - startDate: '2023-03-01' endDate: '2023-03-31' sum: 95350.54000000005 count: 31 mean: 3075.823870967742 median: 3178.4 min: 2946.3 max: 3329.22 standardDeviation: 132.58604314877732 beginningValue: 3178.4 endingValue: 3329.22 streams: - id: b838ffb3-2549-43b3-a1b1-50bc13438e0f payor: John Smith payee: Whole Foods cadence: 0 recency: 124 transactionIds: - '00000005' - 00000008 - id: 54214633-39d7-43f4-9314-bae2ce3b6af9 payor: John Smith payee: Walmart cadence: 0 recency: 139 transactionIds: - '00000006' - '00000007' customerAnalytics: transactionalAttributes: [] stateAttributes: - attributeName: ASSET_BALANCE reportedByTimePeriods: - timeIntervalType: MONTHLY_CALENDAR periods: - startDate: '2023-02-05' endDate: '2023-02-28' sum: 75517.99999999997 count: 24 mean: 3146.583333333333 median: 3145.2 min: 3145.2 max: 3178.4 standardDeviation: 6.776921621700182 beginningValue: 3145.2 endingValue: 3178.4 - startDate: '2023-03-01' endDate: '2023-03-31' sum: 95350.54000000005 count: 31 mean: 3075.823870967742 median: 3178.4 min: 2946.3 max: 3329.22 standardDeviation: 132.58604314877732 beginningValue: 3178.4 endingValue: 3329.22 streams: - id: 2b96f6d4-4882-4db2-96c6-f89530a68f1c payor: TD AMERITRADE payee: John Smith cadence: 15 recency: 124 transactionIds: - '00000003' - '00000004' - '00000001' - id: dafc9b5d-762d-4f91-a429-f80573944bcd payor: John Smith payee: TD AMERITRADE cadence: 0 recency: 139 transactionIds: - '00000002' - id: b838ffb3-2549-43b3-a1b1-50bc13438e0f payor: John Smith payee: Whole Foods cadence: 0 recency: 124 transactionIds: - '00000005' - 00000008 - id: 54214633-39d7-43f4-9314-bae2ce3b6af9 payor: John Smith payee: Walmart cadence: 0 recency: 139 transactionIds: - '00000006' - '00000007' InvalidConsumerSSNExample: value: code: '10100' message: Invalid format for field consumer.ssn. Required format is 9 digits. StatementReportExample: summary: Statement Report value: id: 38dknche83oh-statement customerType: active customerId: 1000262464 requestId: nd4b55a4bg title: Mastercard Open Banking Statement Report consumerId: d15ff15ed0c8627eae61c452928d7fc3 consumerSsn: '1111' consumerDetails: id: 3f7ff2cf0ffb3d0cd59875e070c9b1d4 firstName: John middleName: Doe lastName: Jane address: 123 Marple Street city: Anytown state: PA zip: '17101' phone: '5551234567' ssn: '1234' email: john.doe@example.com disputeStatement: Invalid data present. requesterName: Demo endUser: name: ABC Apartments address: 123 Main St city: Murray state: UT zip: '84123' phone: 555-2106 email: customerservice@example.com url: example.com constraints: statementReportData: accountId: 1000076901 statementIndex: 1 reportCustomFields: - label: loanID value: '123456' shown: true type: statement status: success createdDate: 1586189339 assetId: aaaa3be2-6f1a-4aac-a360-4ad240aa652d ResourceNotFoundExample: value: code: '14001' message: Resource not found. ConsumerNotFoundExample: value: code: '10100' message: Cannot find consumer with id 1234. InvalidConsumerPhoneExample: value: code: '10100' message: Invalid format for field consumer.phone. ResellerPartnerNotAuthorizedExample: value: code: '10100' message: 'RESELLER_BILLING_REPORT: Partner is not authorized to access resellerBilling reports for partnerId 2445583947903' ForesightAnalyticsFirstThirdPartyNonCraReportResponseExample: value: id: 247th25xwyhd-farpbfnoncra customerType: testing customerId: 1001483250 externalCustomerId: '1005061234' requestId: y3pic4xhda requesterName: Intuit Facade Demo (KEEP) createdDate: 1739824892 title: Mastercard Open Banking Foresight Analytics reportPin: XYeyLA type: farpbfnoncra status: success constraints: customerId: 1001483250 externalCustomerId: '1005061234' analyticsReportData: forCraPurpose: false timeIntervalTypes: - MONTHLY_CALENDAR segments: geolocation: - label: POSTAL_CODE value: 84123 analytics: - benchmarking - forecasting income: 1000 age: 25 startDate: 1676666492 endDate: 1739824892 days: 731 institutions: - id: 101732 name: FinBank urlHomeApp: https://finbank01.stg.fini.city/FinBank/greetings.jsp accounts: - id: 1005179748 name: Credit Card number: '7777' type: creditCard aggregationStatusCode: 0 currentBalance: 217.41 balanceDate: 1739824918 analytics: transactionalAttributes: - attributeName: ACCOMMODATION_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: -382.92 count: 1 mean: -382.92 median: -382.92 min: -382.92 max: -382.92 standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: - '1' projectedValues: [] streamIds: [] streamConfidences: null - attributeName: ENTERTAINMENT_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: FUEL_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: BOOKS_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: COMMUNICATION_SERVICES_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: CONSUMER_ELECTRONICS_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: PHARMACY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: EATING_PLACES_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: CLOTHING_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: -82.92 count: 1 mean: -82.92 median: -82.92 min: -82.92 max: -82.92 standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: - '2' projectedValues: [] streamIds: [] streamConfidences: null - attributeName: FINANCIAL_SERVICES_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: GROCERIES_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: HEALTH_BEAUTY_MEDICAL_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: HOME_IMPROVEMENT_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: INSURANCE_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: TRAVEL_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: UTILITIES_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: DISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: -382.92 count: 1 mean: -382.92 median: -382.92 min: -382.92 max: -382.92 standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: - '1' projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NONDISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: -82.92 count: 1 mean: -82.92 median: -82.92 min: -82.92 max: -82.92 standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: - '2' projectedValues: [] streamIds: [] streamConfidences: null stateAttributes: [] streams: - id: d5740963-b2d7-4ac9-a5a2-7ba323bfa14b payor: Account Owner (Name Unavailable) payee: td ameritrade cadence: 0 status: inactive recency: 639 earliestObservedDate: '2023-04-25T07:12:33' latestObservedDate: '2023-05-01T07:12:33' count: 2 sum: -465.84 min: -382.92 max: -82.92 mean: -232.92 median: -232.92 standardDeviation: 212.13203435596427 minimumCadence: null maximumCadence: null medianCadence: null modeCadence: null standardDeviationCadence: null transactionIds: - '1' - '2' currency: USD - id: 1005179749 name: Savings number: '2222' type: savings aggregationStatusCode: 0 currentBalance: 217.42 availableBalance: 217.42 balanceDate: 1739824929 analytics: transactionalAttributes: - attributeName: ACCOMMODATION_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: -382.92 count: 1 mean: -382.92 median: -382.92 min: -382.92 max: -382.92 standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: - '1' projectedValues: [] streamIds: [] streamConfidences: null - attributeName: ENTERTAINMENT_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: FUEL_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: BOOKS_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: COMMUNICATION_SERVICES_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: CONSUMER_ELECTRONICS_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: PHARMACY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: EATING_PLACES_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: CLOTHING_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: -82.92 count: 1 mean: -82.92 median: -82.92 min: -82.92 max: -82.92 standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: - '2' projectedValues: [] streamIds: [] streamConfidences: null - attributeName: FINANCIAL_SERVICES_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: GROCERIES_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: HEALTH_BEAUTY_MEDICAL_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: HOME_IMPROVEMENT_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: INSURANCE_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: TRAVEL_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: UTILITIES_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: DISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: -382.92 count: 1 mean: -382.92 median: -382.92 min: -382.92 max: -382.92 standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: - '1' projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NONDISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: -82.92 count: 1 mean: -82.92 median: -82.92 min: -82.92 max: -82.92 standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: - '2' projectedValues: [] streamIds: [] streamConfidences: null stateAttributes: [] streams: - id: d5740963-b2d7-4ac9-a5a2-7ba323bfa14b payor: Account Owner (Name Unavailable) payee: td ameritrade cadence: 0 status: inactive recency: 639 earliestObservedDate: '2023-04-25T07:12:33' latestObservedDate: '2023-05-01T07:12:33' count: 2 sum: -465.84 min: -382.92 max: -82.92 mean: -232.92 median: -232.92 standardDeviation: 212.13203435596427 minimumCadence: null maximumCadence: null medianCadence: null modeCadence: null standardDeviationCadence: null transactionIds: - '1' - '2' currency: USD - id: 1005179750 name: Checking number: '1111' type: checking aggregationStatusCode: 0 currentBalance: 217.42 availableBalance: 217.42 balanceDate: 1739824938 analytics: transactionalAttributes: - attributeName: ACCOMMODATION_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: -382.92 count: 1 mean: -382.92 median: -382.92 min: -382.92 max: -382.92 standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: - '1' projectedValues: [] streamIds: [] streamConfidences: null - attributeName: ENTERTAINMENT_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: FUEL_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: BOOKS_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: COMMUNICATION_SERVICES_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: CONSUMER_ELECTRONICS_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: PHARMACY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: EATING_PLACES_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: CLOTHING_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: -82.92 count: 1 mean: -82.92 median: -82.92 min: -82.92 max: -82.92 standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: - '2' projectedValues: [] streamIds: [] streamConfidences: null - attributeName: FINANCIAL_SERVICES_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: GROCERIES_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: HEALTH_BEAUTY_MEDICAL_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: HOME_IMPROVEMENT_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: INSURANCE_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: TRAVEL_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: UTILITIES_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: DISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: -382.92 count: 1 mean: -382.92 median: -382.92 min: -382.92 max: -382.92 standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: - '1' projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NONDISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: -82.92 count: 1 mean: -82.92 median: -82.92 min: -82.92 max: -82.92 standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: - '2' projectedValues: [] streamIds: [] streamConfidences: null stateAttributes: [] streams: - id: d5740963-b2d7-4ac9-a5a2-7ba323bfa14b payor: Account Owner (Name Unavailable) payee: td ameritrade cadence: 0 status: inactive recency: 639 earliestObservedDate: '2023-04-25T07:12:33' latestObservedDate: '2023-05-01T07:12:33' count: 2 sum: -465.84 min: -382.92 max: -82.92 mean: -232.92 median: -232.92 standardDeviation: 212.13203435596427 minimumCadence: null maximumCadence: null medianCadence: null modeCadence: null standardDeviationCadence: null transactionIds: - '1' - '2' currency: USD - id: 41 name: Decisioning API Tests accounts: - id: 1005179748 type: savings analytics: transactionalAttributes: - attributeName: ACCOMMODATION_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: -382.92 count: 1 mean: -382.92 median: -382.92 min: -382.92 max: -382.92 standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: - '1' projectedValues: [] streamIds: [] streamConfidences: null - attributeName: ENTERTAINMENT_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: FUEL_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: BOOKS_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: COMMUNICATION_SERVICES_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: CONSUMER_ELECTRONICS_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: PHARMACY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: EATING_PLACES_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: CLOTHING_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: -82.92 count: 1 mean: -82.92 median: -82.92 min: -82.92 max: -82.92 standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: - '2' projectedValues: [] streamIds: [] streamConfidences: null - attributeName: FINANCIAL_SERVICES_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: GROCERIES_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: HEALTH_BEAUTY_MEDICAL_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: HOME_IMPROVEMENT_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: INSURANCE_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: TRAVEL_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: UTILITIES_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: DISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: -382.92 count: 1 mean: -382.92 median: -382.92 min: -382.92 max: -382.92 standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: - '1' projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NONDISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: -82.92 count: 1 mean: -82.92 median: -82.92 min: -82.92 max: -82.92 standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: [] transactionIds: - '2' projectedValues: [] streamIds: [] streamConfidences: null stateAttributes: [] streams: - id: d5740963-b2d7-4ac9-a5a2-7ba323bfa14b payor: Account Owner (Name Unavailable) payee: td ameritrade cadence: 0 status: inactive recency: 639 earliestObservedDate: '2023-04-25T07:12:33' latestObservedDate: '2023-05-01T07:12:33' count: 2 sum: -465.84 min: -382.92 max: -82.92 mean: -232.92 median: -232.92 standardDeviation: 212.13203435596427 minimumCadence: null maximumCadence: null medianCadence: null modeCadence: null standardDeviationCadence: null transactionIds: - '1' - '2' currency: USD oauthEnabled: false customerAnalytics: transactionalAttributes: - attributeName: ACCOMMODATION_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: -382.92 count: 1 mean: -382.92 median: -382.92 min: -382.92 max: -382.92 standardDeviation: null comparedToCohorts: - cohortType: POSTAL_CODE totalDifferenceToCohort: -260.61 percentageDifferenceToCohort: -213.07 cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: - cohortType: POSTAL_CODE value: -122.31 transactionIds: - '1' projectedValues: - timeUnit: MONTHS timeValue: 3 projectionValue: -20 - timeUnit: MONTHS timeValue: 6 projectionValue: -40 - timeUnit: MONTHS timeValue: 9 projectionValue: -60 - timeUnit: MONTHS timeValue: 12 projectionValue: -80 streamIds: [] streamConfidences: null - attributeName: ENTERTAINMENT_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: - cohortType: POSTAL_CODE value: -180.55 transactionIds: [] projectedValues: - timeUnit: MONTHS timeValue: 3 projectionValue: -20 - timeUnit: MONTHS timeValue: 6 projectionValue: -40 - timeUnit: MONTHS timeValue: 9 projectionValue: -60 - timeUnit: MONTHS timeValue: 12 projectionValue: -80 streamIds: [] streamConfidences: null - attributeName: FUEL_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: - cohortType: POSTAL_CODE value: -89.14 transactionIds: [] projectedValues: - timeUnit: MONTHS timeValue: 3 projectionValue: -20 - timeUnit: MONTHS timeValue: 6 projectionValue: -40 - timeUnit: MONTHS timeValue: 9 projectionValue: -60 - timeUnit: MONTHS timeValue: 12 projectionValue: -80 streamIds: [] streamConfidences: null - attributeName: BOOKS_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: - cohortType: POSTAL_CODE value: -14.09 transactionIds: [] projectedValues: - timeUnit: MONTHS timeValue: 3 projectionValue: -20 - timeUnit: MONTHS timeValue: 6 projectionValue: -40 - timeUnit: MONTHS timeValue: 9 projectionValue: -60 - timeUnit: MONTHS timeValue: 12 projectionValue: -80 streamIds: [] streamConfidences: null - attributeName: COMMUNICATION_SERVICES_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: - cohortType: POSTAL_CODE value: -159.09 transactionIds: [] projectedValues: - timeUnit: MONTHS timeValue: 3 projectionValue: -20 - timeUnit: MONTHS timeValue: 6 projectionValue: -40 - timeUnit: MONTHS timeValue: 9 projectionValue: -60 - timeUnit: MONTHS timeValue: 12 projectionValue: -80 streamIds: [] streamConfidences: null - attributeName: CONSUMER_ELECTRONICS_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: - cohortType: POSTAL_CODE value: -84.48 transactionIds: [] projectedValues: - timeUnit: MONTHS timeValue: 3 projectionValue: -20 - timeUnit: MONTHS timeValue: 6 projectionValue: -40 - timeUnit: MONTHS timeValue: 9 projectionValue: -60 - timeUnit: MONTHS timeValue: 12 projectionValue: -80 streamIds: [] streamConfidences: null - attributeName: PHARMACY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: - cohortType: POSTAL_CODE value: -22.39 transactionIds: [] projectedValues: - timeUnit: MONTHS timeValue: 3 projectionValue: -20 - timeUnit: MONTHS timeValue: 6 projectionValue: -40 - timeUnit: MONTHS timeValue: 9 projectionValue: -60 - timeUnit: MONTHS timeValue: 12 projectionValue: -80 streamIds: [] streamConfidences: null - attributeName: EATING_PLACES_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: - cohortType: POSTAL_CODE value: -110.58 transactionIds: [] projectedValues: - timeUnit: MONTHS timeValue: 3 projectionValue: -20 - timeUnit: MONTHS timeValue: 6 projectionValue: -40 - timeUnit: MONTHS timeValue: 9 projectionValue: -60 - timeUnit: MONTHS timeValue: 12 projectionValue: -80 streamIds: [] streamConfidences: null - attributeName: CLOTHING_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: -82.92 count: 1 mean: -82.92 median: -82.92 min: -82.92 max: -82.92 standardDeviation: null comparedToCohorts: - cohortType: POSTAL_CODE totalDifferenceToCohort: 171.57 percentageDifferenceToCohort: 67.42 cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: - cohortType: POSTAL_CODE value: -254.49 transactionIds: - '2' projectedValues: - timeUnit: MONTHS timeValue: 3 projectionValue: -20 - timeUnit: MONTHS timeValue: 6 projectionValue: -40 - timeUnit: MONTHS timeValue: 9 projectionValue: -60 - timeUnit: MONTHS timeValue: 12 projectionValue: -80 streamIds: [] streamConfidences: null - attributeName: FINANCIAL_SERVICES_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: - cohortType: POSTAL_CODE value: -996.25 transactionIds: [] projectedValues: - timeUnit: MONTHS timeValue: 3 projectionValue: -20 - timeUnit: MONTHS timeValue: 6 projectionValue: -40 - timeUnit: MONTHS timeValue: 9 projectionValue: -60 - timeUnit: MONTHS timeValue: 12 projectionValue: -80 streamIds: [] streamConfidences: null - attributeName: GROCERIES_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: - cohortType: POSTAL_CODE value: -87.78 transactionIds: [] projectedValues: - timeUnit: MONTHS timeValue: 3 projectionValue: -20 - timeUnit: MONTHS timeValue: 6 projectionValue: -40 - timeUnit: MONTHS timeValue: 9 projectionValue: -60 - timeUnit: MONTHS timeValue: 12 projectionValue: -80 streamIds: [] streamConfidences: null - attributeName: HEALTH_BEAUTY_MEDICAL_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: - cohortType: POSTAL_CODE value: -34.61 transactionIds: [] projectedValues: - timeUnit: MONTHS timeValue: 3 projectionValue: -20 - timeUnit: MONTHS timeValue: 6 projectionValue: -40 - timeUnit: MONTHS timeValue: 9 projectionValue: -60 - timeUnit: MONTHS timeValue: 12 projectionValue: -80 streamIds: [] streamConfidences: null - attributeName: HOME_IMPROVEMENT_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: - cohortType: POSTAL_CODE value: -183.85 transactionIds: [] projectedValues: - timeUnit: MONTHS timeValue: 3 projectionValue: -20 - timeUnit: MONTHS timeValue: 6 projectionValue: -40 - timeUnit: MONTHS timeValue: 9 projectionValue: -60 - timeUnit: MONTHS timeValue: 12 projectionValue: -80 streamIds: [] streamConfidences: null - attributeName: INSURANCE_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: - cohortType: POSTAL_CODE value: -332.33 transactionIds: [] projectedValues: - timeUnit: MONTHS timeValue: 3 projectionValue: -20 - timeUnit: MONTHS timeValue: 6 projectionValue: -40 - timeUnit: MONTHS timeValue: 9 projectionValue: -60 - timeUnit: MONTHS timeValue: 12 projectionValue: -80 streamIds: [] streamConfidences: null - attributeName: TRAVEL_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: - cohortType: POSTAL_CODE value: -513.38 transactionIds: [] projectedValues: - timeUnit: MONTHS timeValue: 3 projectionValue: -20 - timeUnit: MONTHS timeValue: 6 projectionValue: -40 - timeUnit: MONTHS timeValue: 9 projectionValue: -60 - timeUnit: MONTHS timeValue: 12 projectionValue: -80 streamIds: [] streamConfidences: null - attributeName: UTILITIES_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: - cohortType: POSTAL_CODE value: -149.45 transactionIds: [] projectedValues: - timeUnit: MONTHS timeValue: 3 projectionValue: -20 - timeUnit: MONTHS timeValue: 6 projectionValue: -40 - timeUnit: MONTHS timeValue: 9 projectionValue: -60 - timeUnit: MONTHS timeValue: 12 projectionValue: -80 streamIds: [] streamConfidences: null - attributeName: DISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: -382.92 count: 1 mean: -382.92 median: -382.92 min: -382.92 max: -382.92 standardDeviation: null comparedToCohorts: - cohortType: POSTAL_CODE totalDifferenceToCohort: -382.92 percentageDifferenceToCohort: null cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: - cohortType: POSTAL_CODE value: 0 transactionIds: - '1' projectedValues: - timeUnit: MONTHS timeValue: 3 projectionValue: -20 - timeUnit: MONTHS timeValue: 6 projectionValue: -40 - timeUnit: MONTHS timeValue: 9 projectionValue: -60 - timeUnit: MONTHS timeValue: 12 projectionValue: -80 streamIds: [] streamConfidences: null - attributeName: NONDISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2023-04-25' endDate: '2023-05-01' sum: -82.92 count: 1 mean: -82.92 median: -82.92 min: -82.92 max: -82.92 standardDeviation: null comparedToCohorts: - cohortType: POSTAL_CODE totalDifferenceToCohort: -82.92 percentageDifferenceToCohort: null cohortBenchmarkPeriods: - startDate: '2023-04-25' endDate: '2023-05-01' cohortValues: - cohortType: POSTAL_CODE value: 0 transactionIds: - '2' projectedValues: - timeUnit: MONTHS timeValue: 3 projectionValue: -20 - timeUnit: MONTHS timeValue: 6 projectionValue: -40 - timeUnit: MONTHS timeValue: 9 projectionValue: -60 - timeUnit: MONTHS timeValue: 12 projectionValue: -80 streamIds: [] streamConfidences: null stateAttributes: [] streams: - id: d5740963-b2d7-4ac9-a5a2-7ba323bfa14b payor: Account Owner (Name Unavailable) payee: td ameritrade cadence: 0 status: inactive recency: 639 earliestObservedDate: '2023-04-25T07:12:33' latestObservedDate: '2023-05-01T07:12:33' count: 2 sum: -465.84 min: -382.92 max: -82.92 mean: -232.92 median: -232.92 standardDeviation: 212.13203435596427 minimumCadence: null maximumCadence: null medianCadence: null modeCadence: null standardDeviationCadence: null transactionIds: - '1' - '2' gseEnabled: true InvalidExperienceFieldExample: value: code: '10010' status: '400' message: '"experience" must be a valid GUID' user_message: One or more of the fields could not be validated. Please ensure you have entered the correct data. tags: '' MissingFinicityAppKeyExample: value: code: '10026' message: Missing parameter (Finicity-App-Key) SecurityFreezeErrorExample: value: code: '10405' status: '403' message: The active security freeze for this consumer exists. TransactionsReportExample: summary: Transactions Report value: id: '1000075473' title: Mastercard Open Banking Transactions Report customerType: testing customerId: 1000018865 consumerId: a925b07c9e028c680ad9c1d18d2e7199 consumerSsn: '6789' consumerDetails: id: 3f7ff2cf0ffb3d0cd59875e070c9b1d4 firstName: John middleName: Doe lastName: Jane address: 123 Marple Street city: Anytown state: PA zip: '17101' phone: '5551234567' ssn: '1234' email: john.doe@example.com disputeStatement: Invalid data present. type: transactions status: success createdDate: 1594678007 endUser: name: ABC Apartments address: 123 Main St city: Murray state: UT zip: '84123' phone: 555-2106 email: customerservice@example.com url: example.com constraints: accountIds: - '1000075473' fromDate: 1578952809 toDate: 1594677609 includePending: true reportCustomFields: - label: loanID value: '12345' shown: true - label: trackingID value: '5555' shown: true - label: loanType value: car shown: false - label: vendorID value: 1613aa23 shown: true - label: vendorName value: PSC Finance shown: false findTransaction: findTransactionDescriptionMemo: Payment to PSC Finance findTransactionAmountFrom: -100.01 findTransactionAmountTo: 200.0 findTransactionCategory: - Payment - Transfer startDate: 1579348800 endDate: 1594382400 days: 174 seasoned: false portfolioId: wqbh0r2kbv5g-4-port institutions: - id: 102105 name: FinBank Profiles - A urlHomeApp: http://www.finbank.com accounts: - id: 1000075473 number: '5015' name: Super Checking type: checking availableBalance: 1000 aggregationStatusCode: 0 balance: 1000 balanceDate: 1594676289 transactionsCount: 2 transactions: - id: 100001490719 amount: -99 postedDate: 1594382400 description: ACH Withdrawal AMERICA FIRST CR normalizedPayee: America First Cr institutionTransactionId: '0000000000' category: Transfer memo: Payment to PSC Finance - id: 100001490897 amount: 199.7 postedDate: 1594123200 description: Payment to PSC Finance normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Payment memo: TMOBILE debit PaymentRiskInsightsPersonalNonCRAReportResponseExample: value: id: sd1j45yn37wr-pripnoncra customerType: active customerId: 1275320 requestId: 7a7qyps2iy requesterName: Decisioning API endUser: name: ABC Apartments address: 123 Main St city: Murray state: UT zip: '84123' phone: 1-801-443-7288 email: customerservice@abcapartments.com url: abcapartments.com title: Mastercard Open Banking Payment Risk Insights disputeStatement: Invalid data present. constraints: analyticsReportData: forCraPurpose: false timeIntervalTypes: - HISTORICALLY type: pripnoncra status: success createdDate: 1579819592 reportRefreshNumber: 2 originalReportCreatedDate: 1607450357 startDate: 1512594823 endDate: 1575666823 days: 730 institutions: - id: '102105' name: FinBank Profiles urlHomeApp: http://www.finbank.com accounts: - id: '1111' ownerName: PATRICK & LORRAINE PURCHASER ownerAddress: 7195 BELMONT ST. PARLIN, NJ 08859 ownerAsOfDate: 1614880526 name: Checking number: XX1111 type: checking aggregationStatusCode: '0' currentBalance: 100000 availableBalance: 1000 balanceDate: 1614880526 transactions: - id: '00000001' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone - id: '00000002' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone analytics: - transactionalAttributes: - attributeName: CASH_OUTFLOW aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: CASH_INFLOW aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 5050 count: 100 mean: 50.5 median: 50.5 min: 1 max: 100 standardDeviation: 29.011491975882016 comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: - '10' - '72' - '78' - '16' - '25' - '67' - '27' - '15' - '36' - '75' - '88' - '57' - '51' - '30' - '66' - '87' - '61' - '6' - '82' - '48' - '40' projectedValues: [] streamIds: - e6dd352d-67d3-4a6c-a7a0-68f1e994bb22 streamConfidences: null - attributeName: INSURANCE_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: TAX_PAYMENTS aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: DISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NONDISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: RECURRING_EXPENSES aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: RECURRING_LOAN_PAYMENTS aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NSF_FEE_CHARGES aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null stateAttributes: - attributeName: MISSED_RECURRING_EXPENSES reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 0 count: 732 mean: 0 median: 0 min: 0 max: 0 standardDeviation: 0 comparedToCohorts: [] beginningValue: 0 endingValue: 0 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: MISSED_RECURRING_LOAN_PAYMENTS reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 0 count: 732 mean: 0 median: 0 min: 0 max: 0 standardDeviation: 0 comparedToCohorts: [] beginningValue: 0 endingValue: 0 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: PAYMENT_RISK_SCORE reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 19825 count: 732 mean: 27.083333333333332 median: 24 min: -1 max: 46 standardDeviation: 8.739575902668523 comparedToCohorts: [] beginningValue: -1 endingValue: 24 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: ASSET_BALANCE reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: -900726.9199999999 count: 732 mean: -1230.501256830601 median: -1192.56 min: -3804.56 max: 1234.44 standardDeviation: 1628.527991127309 comparedToCohorts: [] beginningValue: -3804.56 endingValue: 1234.44 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] streams: - id: e6dd352d-67d3-4a6c-a7a0-68f1e994bb22 payor: '0' payee: John Smith cadence: 7 status: inactive recency: 118 earliestObservedDate: '2022-09-18T00:00:00' latestObservedDate: '2024-09-13T00:00:00' count: 100 sum: 5050 min: 1 max: 100 mean: 50.5 median: 50.5 standardDeviation: 29.011491975882016 minimumCadence: 0 maximumCadence: 58 medianCadence: 4 modeCadence: 2 standardDeviationCadence: 9.261506907846133 transactionIds: - '0' - '1' - '10' - '11' - '12' - '13' - '14' - '15' - '16' - '17' - '18' - '19' - '2' - '20' - '21' - '22' - '23' - '24' - '25' - '26' - '27' - '28' - '29' - '3' - '30' - id: '2222' ownerName: PATRICK & LORRAINE PURCHASER ownerAddress: 7195 BELMONT ST. PARLIN, NJ 08859 ownerAsOfDate: 1614880526 name: Checking number: XX1111 type: checking aggregationStatusCode: '0' currentBalance: 100000 availableBalance: 1000 balanceDate: 1614880526 transactions: - id: '00000005' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone - id: '00000006' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone analytics: - transactionalAttributes: - attributeName: CASH_OUTFLOW aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: CASH_INFLOW aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 5050 count: 100 mean: 50.5 median: 50.5 min: 1 max: 100 standardDeviation: 29.011491975882016 comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: - '10' - '72' - '78' - '16' - '25' - '67' - '27' - '15' - '36' - '75' - '88' - '57' - '51' - '30' - '66' - '87' - '61' - '6' - '82' - '48' - '40' projectedValues: [] streamIds: - e6dd352d-67d3-4a6c-a7a0-68f1e994bb22 streamConfidences: null - attributeName: INSURANCE_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: TAX_PAYMENTS aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: DISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NONDISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: RECURRING_EXPENSES aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: RECURRING_LOAN_PAYMENTS aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NSF_FEE_CHARGES aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null stateAttributes: - attributeName: MISSED_RECURRING_EXPENSES reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 0 count: 732 mean: 0 median: 0 min: 0 max: 0 standardDeviation: 0 comparedToCohorts: [] beginningValue: 0 endingValue: 0 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: MISSED_RECURRING_LOAN_PAYMENTS reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 0 count: 732 mean: 0 median: 0 min: 0 max: 0 standardDeviation: 0 comparedToCohorts: [] beginningValue: 0 endingValue: 0 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: PAYMENT_RISK_SCORE reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 19825 count: 732 mean: 27.083333333333332 median: 24 min: -1 max: 46 standardDeviation: 8.739575902668523 comparedToCohorts: [] beginningValue: -1 endingValue: 24 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: ASSET_BALANCE reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: -900726.9199999999 count: 732 mean: -1230.501256830601 median: -1192.56 min: -3804.56 max: 1234.44 standardDeviation: 1628.527991127309 comparedToCohorts: [] beginningValue: -3804.56 endingValue: 1234.44 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] streams: - id: e6dd352d-67d3-4a6c-a7a0-68f1e994bb22 payor: '0' payee: John Smith cadence: 7 status: inactive recency: 118 earliestObservedDate: '2022-09-18T00:00:00' latestObservedDate: '2024-09-13T00:00:00' count: 100 sum: 5050 min: 1 max: 100 mean: 50.5 median: 50.5 standardDeviation: 29.011491975882016 minimumCadence: 0 maximumCadence: 58 medianCadence: 4 modeCadence: 2 standardDeviationCadence: 9.261506907846133 transactionIds: - '0' - '1' - '10' - '11' - '12' - '13' - '14' - '15' - '16' - '17' - '18' - '19' - '2' - '20' - '21' - '22' - '23' - '24' - '25' - '26' - '27' - '28' - '29' - '3' - '30' customerAnalytics: transactionalAttributes: - attributeName: CASH_OUTFLOW aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: CASH_INFLOW aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 5050 count: 100 mean: 50.5 median: 50.5 min: 1 max: 100 standardDeviation: 29.011491975882016 comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: - '10' - '72' - '78' - '16' - '25' - '67' - '27' - '15' - '36' - '75' - '88' - '57' - '51' - '30' - '66' - '87' - '61' - '6' - '82' - '48' - '40' - '45' - '96' - '95' projectedValues: [] streamIds: - e6dd352d-67d3-4a6c-a7a0-68f1e994bb22 streamConfidences: null - attributeName: INSURANCE_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: TAX_PAYMENTS aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: DISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NONDISCRETIONARY_SPENDING aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: RECURRING_EXPENSES aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: RECURRING_LOAN_PAYMENTS aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null - attributeName: NSF_FEE_CHARGES aggregatedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: null count: 0 mean: null median: null min: null max: null standardDeviation: null comparedToCohorts: [] cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] transactionIds: [] projectedValues: [] streamIds: [] streamConfidences: null stateAttributes: - attributeName: MISSED_RECURRING_EXPENSES reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 0 count: 732 mean: 0 median: 0 min: 0 max: 0 standardDeviation: 0 comparedToCohorts: [] beginningValue: 0 endingValue: 0 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: MISSED_RECURRING_LOAN_PAYMENTS reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 0 count: 732 mean: 0 median: 0 min: 0 max: 0 standardDeviation: 0 comparedToCohorts: [] beginningValue: 0 endingValue: 0 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: PAYMENT_RISK_SCORE reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: 19825 count: 732 mean: 27.083333333333332 median: 24 min: -1 max: 46 standardDeviation: 8.739575902668523 comparedToCohorts: [] beginningValue: -1 endingValue: 24 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] - attributeName: ASSET_BALANCE reportedByTimePeriods: - timeIntervalType: HISTORICALLY periods: - startDate: '2022-09-18' endDate: '2024-09-18' sum: -900726.9199999999 count: 732 mean: -1230.501256830601 median: -1192.56 min: -3804.56 max: 1234.44 standardDeviation: 1628.527991127309 comparedToCohorts: [] beginningValue: -3804.56 endingValue: 1234.44 cohortBenchmarkPeriods: - startDate: '2022-09-18' endDate: '2024-09-18' cohortValues: [] projectedValues: [] streams: - id: e6dd352d-67d3-4a6c-a7a0-68f1e994bb22 payor: '0' payee: John Smith cadence: 7 status: inactive recency: 118 earliestObservedDate: '2022-09-18T00:00:00' latestObservedDate: '2024-09-13T00:00:00' count: 100 sum: 5050 min: 1 max: 100 mean: 50.5 median: 50.5 standardDeviation: 29.011491975882016 minimumCadence: 0 maximumCadence: 58 medianCadence: 4 modeCadence: 2 standardDeviationCadence: 9.261506907846133 transactionIds: - '0' - '1' - '10' - '11' - '12' - '13' - '14' - '15' - '16' - '17' - '18' - '19' - '2' - '20' - '21' - '22' - '23' - '24' - '25' - '26' - '27' - '28' - '29' - '3' - '30' VOIEWithStatementReportExample: summary: VOIE With Statement Report value: id: cniwx4y891fb-voietxverify portfolioId: 1sei090j3wmc-8-port gseEnabled: true customerType: testing customerId: 1000834291 consumerId: fbedccb8378ea2ea9017e0f083d04c3b consumerSsn: '0001' consumerDetails: id: 3f7ff2cf0ffb3d0cd59875e070c9b1d4 firstName: John middleName: Doe lastName: Jane address: 123 Marple Street city: Anytown state: PA zip: '17101' phone: '5551234567' ssn: '1234' email: john.doe@example.com requesterName: Intuit Facade Demo (KEEP) requestId: yfx7exq2d8 type: voieTxVerify status: success createdDate: 1711008839 title: Mastercard Open Banking Verification of Income and Employment - Paystub reportStyle: voieWithStatement constraints: null voieWithStatementData: assetIds: - a96cb546-41f1-4edd-bf2f-ea0840596a4e-1287200036 extractEarnings: true extractDeductions: false extractDirectDeposit: true assetIds: - a96cb546-41f1-4edd-bf2f-ea0840596a4e-1287200036 numberOfBillableAssets: 1 payStatements: - payPeriod: Latest billable: true assetId: a96cb546-41f1-4edd-bf2f-ea0840596a4e-1287200036 payDate: 1541030399 startDate: 1538352000 endDate: 1541030399 netPayCurrent: 120 netPayYTD: 12345 grossPayCurrent: 342 grossPayYTD: 4223 payrollProvider: null employer: name: John Homeowner address1: 222 Street address2: 345 Street city: City state: State zip: '80001' employee: name: Acme Ltd address1: 123 Main St address2: Suite 100 city: City state: State zip: '80001' payStat: - name: regular statement type: REGULAR description: regular income rate: 8 units: 40 amountCurrent: 320 amountYTD: 750.79 - name: ot statement type: OVERTIME description: OT income rate: 10 units: 40 amountCurrent: 400 amountYTD: 1000.78 - name: Commission statement type: Commission description: Commission income rate: 11 units: 40 amountCurrent: 440 amountYTD: 2435.54 deductions: [] directDeposits: [] monthlyIncome: estimatedMonthlyBasePay: -922.94 estimatedMonthlyOvertimePay: 564.94 estimatedMonthlyCommissionPay: 200 estimatedMonthlyBonusPay: 41.67 estimatedMonthlyTotalPay: -116.33 institutions: [] InvalidConsumerEmailExample: value: code: '10100' message: Invalid format for field consumer.email. ExpiredFinicityAppTokenExample: value: code: '10023' message: Expired (Finicity-App-Token) TransactionNONCRAExample: summary: Transaction NON CRA Report Example value: id: 0nzekfhcexxh-txnnoncra gseEnabled: true customerType: testing customerId: 1000885874 requestId: zjc6kdjkjj title: Mastercard Open Banking Transactions Non CRA requesterName: Intuit Facade Demo (KEEP) constraints: fromDate: 1650715226 toDate: 1713873626 includePending: false findTransaction: findTransactionAmountFrom: -100.01 findTransactionAmountTo: 200.0 findTransactionCategory: - Payment - Transfer type: txnNonCra status: success createdDate: 1713873626 startDate: 1672401600 endDate: 1713614400 days: 477 seasoned: true institutions: - id: 102105 name: FinBank Profiles - A urlHomeApp: https://finbank.stg.fini.city/FinBankProfiles/login.jsp accounts: - id: 1002509340 number: '8888' name: Savings type: savings currency: USD availableBalance: 10000 aggregationStatusCode: 0 balance: 10000 balanceDate: 1713873628 oldestTransactionDate: 1672401600 averageMonthlyBalance: -516.45 transactionsCount: 3 transactions: - id: 100298184206 amount: 60 postedDate: 1713614400 description: Payment deposit CAPITAL1 P2P Bob Jones Bob Jones normalizedPayee: Capital1 Bob Jones institutionTransactionId: '0000000000' category: Payment - id: 100298184180 amount: 200 postedDate: 1712923200 description: Online banking xfer withdrawal from ...8888 normalizedPayee: Online Banking institutionTransactionId: '0000000000' category: Payment - id: 100298184155 amount: -158.11 postedDate: 1712923200 description: Online banking xfer withdrawal from ...8888 normalizedPayee: Online Banking institutionTransactionId: '0000000000' category: Transfer details: interestMarginBalance: null availableCashBalance: null vestedBalance: null currentLoanBalance: null availableBalanceAmount: 10000 - id: 1002509341 number: '7777' name: Checking type: checking currency: USD availableBalance: 10000 aggregationStatusCode: 0 balance: 10000 balanceDate: 1713873630 oldestTransactionDate: 1672401600 averageMonthlyBalance: -516.45 transactionsCount: 3 transactions: - id: 100298184308 amount: 60 postedDate: 1713614400 description: Payment deposit CAPITAL1 P2P Bob Jones Bob Jones normalizedPayee: Capital1 Bob Jones institutionTransactionId: '0000000000' category: Payment - id: 100298184282 amount: -30 postedDate: 1712923200 description: Online banking xfer withdrawal from ...7777 normalizedPayee: Online Banking institutionTransactionId: '0000000000' category: Transfer - id: 100298184257 amount: -138.11 postedDate: 1712923200 description: Online banking xfer withdrawal from ...7777 normalizedPayee: Online Banking institutionTransactionId: '0000000000' category: Transfer details: interestMarginBalance: null availableCashBalance: null vestedBalance: null currentLoanBalance: null availableBalanceAmount: 10000 PrequalificationNonCRAReportExample: summary: Prequalification Non-CRA Report value: id: rceiqx616awa-assetsummary customerId: 1000006677 requesterName: Decisioning API endUser: name: ABC Apartments address: 123 Main St city: Murray state: UT zip: '84123' phone: 555-2106 email: customerservice@example.com url: example.com requestId: sfb7xp4iui type: assetSummary status: success createdDate: 1588350269 constraints: accountIds: - '1000535275' - '1000535276' fromDate: 1577986990 reportCustomFields: - label: loanID value: '12345' shown: true - label: trackingID value: '5555' shown: true - label: loanType value: car shown: false - label: vendorID value: 1613aa23 shown: true - label: vendorName value: PSC Finance shown: false showNsf: false customerType: active title: Asset Ready Report (non-CRA) startDate: 1572625469 endDate: 1588350269 days: 230 seasoned: true consolidatedAvailableBalance: 1929.57 portfolioId: 0whcism47ttt-5-port institutions: - id: 101732 name: FinBank urlHomeApp: https://finbank.prod.fini.city/CCBankImageMFA/login.jsp accounts: - id: 1000023996 number: '1111' ownerName: JOHN DOE ownerAddress: 924 GAINSVILLE HIGHWAY SUITE 130 BUFORD, GA 30518 ownerAsOfDate: 1588350276 name: Checking type: checking availableBalance: 0 aggregationStatusCode: 0 balance: 501.24 balanceDate: 1588350276 averageMonthlyBalance: 501.02 totNumberInsufficientFundsFeeDebitTxAccount: 0 totNumberInsufficientFundsFeeDebitTxOver6MonthsAccount: 0 totNumberDaysSinceMostRecentInsufficientFundsFeeDebitTxAccount: 120 transactions: [] asset: type: checking currentBalance: 1000 twoMonthAverage: -1865.96 sixMonthAverage: -7616.01 beginningBalance: -17795.6 details: interestMarginBalance: -50000 availableCashBalance: 1500 vestedBalance: 300000 currentLoanBalance: 0 availableBalanceAmount: 1000 assets: currentBalance: 1000 twoMonthAverage: -1865.96 sixMonthAverage: -7616.01 beginningBalance: -17795.6 NoRegisteredApplicationExample: value: code: '50051' message: No registered partner applications found. CustomerNotFoundExample: value: code: '14001' message: Customer not found. ExpiredTokenExample: value: code: '10023' message: Expired (Finicity-App-Token) VOIEPaystubReportExample: summary: VOIE - Paystub Report value: id: 2f3z55zuwewm-voietxverify portfolioId: 9qud7dtuzbew-13-port customerType: active customerId: 1275320 consumerId: 3f7ff2cf0ffb3d0cd59875e070c9b1d4 consumerSsn: '6789' consumerDetails: id: 3f7ff2cf0ffb3d0cd59875e070c9b1d4 firstName: John middleName: Doe lastName: Jane address: 123 Marple Street city: Anytown state: PA zip: '17101' phone: '5551234567' ssn: '1234' email: john.doe@example.com disputeStatement: Invalid data present. requesterName: Decisioning API endUser: name: ABC Apartments address: 123 Main St city: Murray state: UT zip: '84123' phone: 555-2106 email: customerservice@example.com url: example.com requestId: 7a7qyps2iy type: voieTxVerify status: success createdDate: 1579819592 title: Verification of Income and Employment - Paystub reportStyle: voieWithStatement constraints: voieWithStatementData: assetIds: - d50ed92f-543b-431c-8286-c8b8f6556679 extractEarnings: true extractDeductions: false extractDirectDeposit: true reportCustomFields: - label: loanID value: '12345' shown: true - label: trackingID value: '5555' shown: true assetIds: - 6f8fb0a0-e882-4f57-b672-cf53f1397581 numberOfBillableAssets: 1 payStatements: payPeriod: LastPayPeriod billable: true assetId: 6f8fb0a0-e882-4f57-b672-cf53f1397581 payDate: 1559241000 startDate: 1557513000 endDate: 1558722600 netPayCurrent: 1802.22 netPayYTD: 36000 grossPayCurrent: 24200 grossPayYTD: 72600 employer: name: Rocket Surgery employee: name: Patrick Purchaser payStat: name: regular 1 type: regular description: regular income amountCurrent: 6000 amountYTD: 18000 directDeposits: - amountCurrent: 1744.61 accountLastFour: '1234' monthlyIncome: estimatedMonthlyBasePay: 2000 estimatedMonthlyOvertimePay: 50 estimatedMonthlyBonusPay: 20 estimatedMonthlyCommissionPay: 50 institutions: [] VOETransactionsReportExample: summary: VOE - Transactions Report value: id: n1rndg1iz8yy-voetransactions portfolioId: dyr6weqd2yhb-2-port customerType: active customerId: 1000006677 requestId: sfb7x1we9w title: Mastercard Open Banking Verification of Employment - Transactions consumerId: ac39e237c7619a4ecf014b8d399c0696 consumerSsn: '6789' consumerDetails: id: 3f7ff2cf0ffb3d0cd59875e070c9b1d4 firstName: John middleName: Doe lastName: Jane address: 123 Marple Street city: Anytown state: PA zip: '17101' phone: '5551234567' ssn: '1234' email: john.doe@example.com disputeStatement: Invalid data present. requesterName: Decisioning API endUser: name: ABC Apartments address: 123 Main St city: Murray state: UT zip: '84123' phone: 555-2106 email: customerservice@example.com url: example.com constraints: reportId: j7k8qbgwsa7d-voietxverify reportCustomFields: - label: loanID value: '12345' shown: true - label: trackingID value: '5555' shown: true incomeStreamConfidenceMinimum: 50 type: voeTransactions status: success createdDate: 1588350269 startDate: 1572625469 endDate: 1588350269 days: 120 seasoned: true institutions: - id: 101732 name: FinBank urlHomeApp: https://finbank.prod.fini.city/CCBankImageMFA/login.jsp accounts: - id: 1000023996 number: '1111' ownerName: JOHN DOE ownerAddress: 924 GAINSVILLE HIGHWAY SUITE 130 BUFORD, GA 30518 ownerAsOfDate: 1652114265 name: Checking type: checking aggregationStatusCode: 0 incomeStreams: - id: u4hstnyak45g1 name: none status: ACTIVE estimateInclusion: MODERATE confidence: 70 cadence: startDate: 1577986990 stopDate: 1587986990 days: 14 daysSinceLastTransaction: 15 nextExpectedTransactionDate: 1698788820 incomeStreamMonths: 18 transactions: - id: 100000527471 postedDate: 1582286400 description: FINICITY INC PAYROLL normalizedPayee: Finicity institutionTransactionId: '100000000' category: Paycheck VOAWithIncomeReportExample: summary: VOA With Income Report value: id: u4hstnyak45g portfolioId: dyr6weqd2yhb-1-port customerType: active customerId: 1000006677 requestId: sfb7x1we9w title: Mastercard Open Banking Verification of Asset and Income - Transactions consumerId: ac39e237c7619a4ecf014b8d399c0696 consumerSsn: '6789' consumerDetails: id: 3f7ff2cf0ffb3d0cd59875e070c9b1d4 firstName: John middleName: Doe lastName: Jane address: 123 Marple Street city: Anytown state: PA zip: '17101' phone: '5551234567' ssn: '1234' email: john.doe@example.com disputeStatement: Invalid data present. requesterName: Decisioning API endUser: name: ABC Apartments address: 123 Main St city: Murray state: UT zip: '84123' phone: 555-2106 email: customerservice@example.com url: example.com constraints: accountIds: - '1000535275' - '1000535276' fromDate: 1577986990 incomeFromDate: 1577986990 reportCustomFields: - label: loanID value: '12345' shown: true - label: trackingID value: '5555' shown: true - label: loanType value: car shown: false - label: vendorID value: 1613aa23 shown: true - label: vendorName value: PSC Finance shown: false showNsf: false type: voaHistory status: success createdDate: 1588350269 startDate: 1572625469 endDate: 1588350269 days: 230 seasoned: true institutions: id: 101732 name: FinBank urlHomeApp: https://finbank.prod.fini.city/CCBankImageMFA/login.jsp accounts: id: 6001966289 number: '1111' ownerName: JOHN DOE ownerAddress: 924 GAINSVILLE HIGHWAY SUITE 130 BUFORD, GA 30518 ownerAsOfDate: 1652114265 name: Checking type: checking currency: USD aggregationStatusCode: 0 balance: 509.37 balanceDate: 1652114265 averageMonthlyBalance: 507.37 totNumberInsufficientFundsFeeDebitTxAccount: 0 totNumberDaysSinceMostRecentInsufficientFundsFeeDebitTxAccount: 0 transactions: id: 100000527471 amount: 22.21 postedDate: 1582286400 description: FINICITY INC PAYROLL memo: Finicity amount credit investmentTransactionType: dividend normalizedPayee: Finicity institutionTransactionId: '100000000' category: Paycheck asset: type: checking currentBalance: 1000 twoMonthAverage: -1865.96 sixMonthAverage: -7616.01 beginningBalance: -17795.6 details: interestMarginBalance: -50000 availableCashBalance: 1500 vestedBalance: 300000 currentLoanBalance: 0 availableBalanceAmount: 1000 marginBalance: 100.0 currentBalance: 1000.0 position: - id: 637054 currency: USD symbol: MCD securityName: Common Stock units: 5 marketValue: 1403.55 currentPrice: 280.71 securityType: Stock incomeStreams: id: dens28i3vsch-voah name: none status: ACTIVE estimateInclusion: MODERATE confidence: 70 cadence: startDate: 1577986990 stopDate: 1587986990 days: 14 netMonthly: - month: 1522562400 net: 2004.77 gross: 2400.0 netAnnual: 110475.7 projectedNetAnnual: 0 estimatedGrossAnnual: 0 projectedGrossAnnual: 151609 averageMonthlyIncomeNet: 9206.31 averageMonthlyIncomeGross: 11300.0 incomeStreamMonths: 18 transactions: - id: 100000527471 amount: 22.21 postedDate: 1582286400 description: FINICITY INC PAYROLL normalizedPayee: Finicity institutionTransactionId: '100000000' category: Paycheck assets: currentBalance: 1000 twoMonthAverage: -1865.96 sixMonthAverage: -7616.01 beginningBalance: -17795.6 consolidatedAvailableBalance: 2345 income: - confidenceType: MODERATE netMonthly: - month: 1522562400 net: 2004.77 gross: 2400.0 averageMonthlyIncomeNet: 9206.31 averageMonthlyIncomeGross: 11300.0 incomeEstimate: netAnnual: 1000.12 projectedNetAnnual: 1500.23 estimatedGrossAnnual: 2000.12 projectedGrossAnnual: 2500.23 CashFlowPersonalReportExample: summary: Cash Flow Report - Personal value: id: sd1j45yn37wr-cfrp portfolioId: igi5kj6hh58y-1-port customerType: testing customerId: 5555 requestId: xtw6tjemt6 title: Mastercard Open Banking Cash Flow Report - Personal endUser: name: ABC Apartments address: 123 Main St city: Murray state: UT zip: '84123' phone: 555-2106 email: customerservice@example.com url: example.com consumerId: 555595ec74c8ec57adf44dadddb6a35 consumerSsn: '1111' consumerDetails: id: 3f7ff2cf0ffb3d0cd59875e070c9b1d4 firstName: John middleName: Doe lastName: Jane address: 123 Marple Street city: Anytown state: PA zip: '17101' phone: '5551234567' ssn: '1234' email: john.doe@example.com disputeStatement: Invalid data present. requesterName: Decisioning API Tests type: cfrp status: success createdDate: 1575666823 startDate: 1512594823 endDate: 1575666823 days: 730 seasoned: true institutions: - id: '102105' name: FinBank Profiles urlHomeApp: http://www.finbank.com accounts: - id: '6681984' ownerName: PATRICK & LORRAINE PURCHASER ownerAddress: 7195 BELMONT ST. PARLIN, NJ 08859 ownerAsOfDate: 1575666823 name: Checking number: XX1111 type: checking aggregationStatusCode: '0' currentBalance: 100000 availableBalance: 1000 balanceDate: 1614880526 transactions: - id: '100671406523' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone cashFlowBalance: monthlyCashFlowBalances: - month: 1551423600 minDailyBalance: -65894.54 maxDailyBalance: -62196.98 averageDailyBalance: -64594.87 standardDeviationOfDailyBalance: '1099' numberOfDaysNegativeBalance: '28' numberOfDaysPositiveBalance: '0' minDailyBalance: 3479.39 maxDailyBalance: 3479.39 twelveMonthAverageDailyBalance: 3479.39 sixMonthAverageDailyBalance: 3479.39 twoMonthAverageDailyBalance: 3479.39 twelveMonthStandardDeviationOfDailyBalance: '20' sixMonthStandardDeviationOfDailyBalance: '20' twoMonthStandardDeviationOfDailyBalance: '20' numberDaysNegativeBalance: '6' numberOfDaysPositiveBalance: '0' cashFlowCredit: monthlyCashFlowCredits: - month: 1551423600 numberOfCredits: '3' totalCreditsAmount: 5000.29 largestCredit: 2182.34 numberOfCreditsLessTransfers: '3' totalCreditsAmountLessTransfers: 5000.29 averageCreditAmount: 1666.76 estimatedNumberOfLoanDeposits: '0' estimatedLoanDepositAmount: 0 twelveMonthCreditTotal: 1200 twelveMonthCreditTotalLessTransfers: 1000 sixMonthCreditTotal: 750 sixMonthCreditTotalLessTransfers: 500 twoMonthCreditTotal: 150 twoMonthCreditTotalLessTransfers: 100 cashFlowDebit: monthlyCashFlowDebits: - month: 1551423600 numberOfDebits: '12' totalDebitsAmount: -2063.43 largestDebit: -953.73 numberOfDebitsLessTransfers: '12' totalDebitsAmountLessTransfers: -2063.43 averageDebitAmount: -171.95 twelveMonthDebitTotal: 1200 twelveMonthDebitTotalLessTransfers: 1000 sixMonthDebitTotal: 750 sixMonthDebitTotalLessTransfers: 500 twoMonthDebitTotal: 150 twoMonthDebitTotalLessTransfers: 100 cashFlowCharacteristic: monthlyCashFlowCharacteristics: - month: 1551423600 totalCreditsLessTotalDebits: 2936.86 totalCreditsLessTotalDebitsLessTransfers: 2936.86 averageTransactionAmount: 195.79 averageMonthlyNet: 2350 averageMonthlyNetLessTransfers: 1000 twelveMonthTotalNet: 12500 twelveMonthTotalNetLessTransfers: 12400 sixMonthAverageTotalCreditsLessTotalDebits: 55555 sixMonthAverageTotalCreditsLessTotalDebitsLessTransfers: 55555 twoMonthAverageTotalCreditsLessTotalDebits: 55555 twoMonthAverageTotalCreditsLessTotalDebitsLessTransfers: 55555 cashFlowBalanceSummary: monthlyCashFlowBalanceSummaries: - month: 1551423600 minDailyBalance: -65894.54 maxDailyBalance: -62196.98 averageDailyBalance: -64594.87 standardDeviationOfDailyBalance: '1099' numberOfDaysNegativeBalance: '28' numberOfDaysPositiveBalance: '0' minDailyBalance: 3479.39 maxDailyBalance: 3479.39 twelveMonthAverageDailyBalance: 3479.39 sixMonthAverageDailyBalance: 3479.39 twoMonthAverageDailyBalance: 3479.39 twelveMonthStandardDeviationOfDailyBalance: '20' sixMonthStandardDeviationOfDailyBalance: '20' twoMonthStandardDeviationOfDailyBalance: '20' numberOfDaysNegativeBalance: '6' numberOfDaysPositiveBalance: '11' cashFlowCreditSummary: monthlyCashFlowCreditSummaries: - month: 1551423600 numberOfCredits: '3' totalCreditsAmount: 5000.29 largestCredit: 2182.34 numberOfCreditsLessTransfers: '3' totalCreditsAmountLessTransfers: 5000.29 averageCreditAmount: 1666.76 estimatedNumberOfLoanDeposits: '0' estimatedLoanDepositAmount: 0 twelveMonthCreditTotal: 1200 twelveMonthCreditTotalLessTransfers: 1000 sixMonthCreditTotal: 750 sixMonthCreditTotalLessTransfers: 500 twoMonthCreditTotal: 150 twoMonthCreditTotalLessTransfers: 100 cashFlowDebitSummary: monthlyCashFlowDebitSummaries: - month: 1551423600 numberOfDebits: '12' totalDebitsAmount: -2063.43 largestDebit: -953.73 numberOfDebitsLessTransfers: '12' totalDebitsAmountLessTransfers: -2063.43 averageDebitAmount: -171.95 twelveMonthDebitTotal: -1200 twelveMonthDebitTotalLessTransfers: -1000 sixMonthDebitTotal: -750 sixMonthDebitTotalLessTransfers: -500 twoMonthDebitTotal: -150 twoMonthDebitTotalLessTransfers: -100 cashFlowCharacteristicsSummary: monthlyCashFlowCharacteristicSummaries: - month: 1551423600 totalCreditsLessTotalDebits: 2936.86 totalCreditsLessTotalDebitsLessTransfers: 2936.86 averageTransactionAmount: 195.79 averageMonthlyNet: 1250 averageMonthlyNetLessTransfers: 1000 twelveMonthTotalNet: 12500 twelveMonthTotalNetLessTransfers: 12400 sixMonthAverageTotalCreditsLessTotalDebits: 55555 sixMonthAverageTotalCreditsLessTotalDebitsLessTransfers: 55555 twoMonthAverageTotalCreditsLessTotalDebits: 55555 twoMonthAverageTotalCreditsLessTotalDebitsLessTransfers: 55555 possibleLoanDeposits: - id: '102105' name: FinBank Profiles urlHomeApp: http://www.finbank.com accounts: - id: '6681984' ownerName: PATRICK & LORRAINE PURCHASER ownerAddress: 7195 BELMONT ST. PARLIN, NJ 08859 ownerAsOfDate: 1614880526 name: Checking number: XX1111 type: checking aggregationStatusCode: '0' currentBalance: 100000 availableBalance: 1000 balanceDate: 1614880526 transactions: - id: '100671406523' amount: -81.7 postedDate: 1614859200 description: TMOBILE*AUTO PAY normalizedPayee: T-Mobile institutionTransactionId: '0000000000' category: Mobile Phone PermissiblePurposeCodeExample: value: code: '10100' status: '400' message: Permissible Purpose Code is required VOIEPaystubWithTXVerifyReportExample: summary: VOIE - Paystub With TXVerify Report value: id: 2f3z55zuwewm-voietxverify customerId: 1275320 consumerId: 3f7ff2cf0ffb3d0cd59875e070c9b1d4 consumerSsn: '6789' consumerDetails: id: 3f7ff2cf0ffb3d0cd59875e070c9b1d4 firstName: John middleName: Doe lastName: Jane address: 123 Marple Street city: Anytown state: PA zip: '17101' phone: '5551234567' ssn: '1234' email: john.doe@example.com disputeStatement: Invalid data present. requesterName: Decisioning API endUser: name: ABC Apartments address: 123 Main St city: Murray state: UT zip: '84123' phone: 555-2106 email: customerservice@example.com url: example.com requestId: 7a7qyps2iy type: voieTxVerify status: success createdDate: 1579819592 title: Verification of Income and Employment - Paystub (with TXVerify) constraints: accountIds: - '1000535275' - '6001966284' fromDate: 1620322948 voieWithInterviewData: txVerifyInterview: - assetId: 6f8fb0a0-e882-4f57-b672-cf53f1397581 accounts: [] extractEarnings: true extractDeductions: false extractDirectDeposit: true reportCustomFields: - label: loanID value: '12345' shown: true - label: trackingID value: '5555' shown: true incomeStreamConfidenceMinimum: 50 customerType: active portfolioId: 9qud7dtuzbew-13-port numberOfBillableAssets: 1 reportStyle: voieWithInterview assetIds: - 6f8fb0a0-e882-4f57-b672-cf53f1397581 payStatements: payPeriod: LastPayPeriod billable: true assetId: 6f8fb0a0-e882-4f57-b672-cf53f1397581 payDate: 1559241000 startDate: 1557513000 endDate: 1558722600 netPayCurrent: 1802.22 netPayYTD: 36000 grossPayCurrent: 24200 grossPayYTD: 72600 matchType: NET_PAY_MATCH employer: name: Rocket Surgery employee: name: Patrick Purchaser payStat: name: regular 1 type: regular description: regular income amountCurrent: 6000 amountYTD: 18000 directDeposits: - fiName: America First accountType: Checking amountCurrent: 1744.61 description: Payroll monthlyIncome: estimatedMonthlyBasePay: 2000 estimatedMonthlyOvertimePay: 50 estimatedMonthlyBonusPay: 20 estimatedMonthlyCommissionPay: 50 estimatedMonthlyOtherPay: 150 estimatedMonthlyTotalPay: 2120 institutions: id: 101732 name: FinBank urlHomeApp: https://finbank.prod.fini.city/CCBankImageMFA/login.jsp accounts: id: 1000023996 number: '1111' ownerName: JOHN DOE ownerAsOfDate: 1577986990 ownerAddress: 924 GAINSVILLE HIGHWAY SUITE 130 BUFORD, GA 30518 name: Checking type: checking availableBalance: 123.45 aggregationStatusCode: 0 balance: 123.45 balanceDate: 1588350276 averageMonthlyBalance: 301.45 transactions: [] details: interestMarginBalance: -50000 availableCashBalance: 1500 vestedBalance: 300000 currentLoanBalance: 0 availableBalanceAmount: 2000 incomeStream: id: dens28i3vsch-voitxverify2 name: none status: ACTIVE confidence: 70 cadence: startDate: 1577986990 stopDate: 1587986990 days: 180 netAnnual: 110475.7 projectedNetAnnual: 0 estimatedGrossAnnual: 0 projectedGrossAnnual: 151609 incomeStreamMonths: 24 averageMonthlyIncomeNet: 9206.31 transactions: - id: 100000527471 amount: 1802.22 postedDate: 1559241000 description: FINICITY INC PAYROLL memo: Finicity amount credit institutionTransactionId: '100000000' category: Paycheck payStatementMatchTypes: - DATE - NET_AMOUNT - DIRECT_DEPOSIT_AMOUNT - EMPLOYER_NAME - INCOME_STREAM_PAYCHECK incomeStreams: - id: dens28i3vsch-voitxverify2 name: none status: ACTIVE confidence: 70 cadence: startDate: 1577986990 stopDate: 1587986990 days: 180 netAnnual: 110475.7 projectedNetAnnual: 0 estimatedGrossAnnual: 0 projectedGrossAnnual: 151609 incomeStreamMonths: 24 averageMonthlyIncomeNet: 9206.31 transactions: - id: 100000527471 amount: 1802.22 postedDate: 1559241000 description: FINICITY INC PAYROLL memo: Finicity amount credit institutionTransactionId: '100000000' category: Paycheck payStatementMatchTypes: - DATE - NET_AMOUNT - DIRECT_DEPOSIT_AMOUNT - EMPLOYER_NAME - INCOME_STREAM_PAYCHECK institutions: id: 101732 name: FinBank urlHomeApp: https://finbank.prod.fini.city/CCBankImageMFA/login.jsp accounts: - id: 1000023996 ownerName: JOHN DOE ownerAddress: 924 GAINSVILLE HIGHWAY SUITE 130 BUFORD, GA 30518 ownerAsOfDate: 1577986990 name: Checking number: '1111' type: checking aggregationStatusCode: 0 incomeStreams: - id: dens28i3vsch-voietxverify name: none status: ACTIVE confidence: 70 cadence: startDate: 1577986990 stopDate: 1587986990 days: 180 netMonthly: - month: 1522562400 net: 2004.77 netAnnual: 110475.7 projectedNetAnnual: 0 estimatedGrossAnnual: 0 projectedGrossAnnual: 151609 averageMonthlyIncomeNet: 9206.31 incomeStreamMonths: 24 transactions: - id: 100000527471 amount: 1802.22 postedDate: 1559241000 description: FINICITY INC PAYROLL memo: Finicity amount credit institutionTransactionId: '100000000' category: Paycheck balance: 123.45 averageMonthlyBalance: 301.45 transactions: - id: 100000527471 amount: 22.21 postedDate: 1582286400 description: FINICITY INC PAYROLL memo: Finicity amount credit investmentTransactionType: dividend normalizedPayee: Finicity institutionTransactionId: '100000000' category: Paycheck bestRepresentation: FINICITY INC PAYROLL details: interestMarginBalance: -50000 availableCashBalance: 1500 vestedBalance: 300000 currentLoanBalance: 0 availableBalanceAmount: 1000 marginBalance: 100.0 currentBalance: 1000.0 CustomerReportLimitExceedExample: value: code: '20400' message: The max report generation limit was exceeded for this customer. CashflowPersonalNonCraAnalyticsReportResponseExample: value: id: 08kiq24ub8b1-cfrpnoncra customerType: testing customerId: 3011077785 requestId: xqgvgxf0ia requesterName: Open Banking API Tests createdDate: 1721815835 title: Mastercard Open Banking Cash Flow Analytics type: cfrpnoncra status: success constraints: analyticsReportData: forCraPurpose: false timeIntervalTypes: - MONTHLY_CALENDAR startDate: 1658657435 endDate: 1721815835 days: 731 institutions: - id: 170681 name: FinBank P urlHomeApp: https://finbank.prod.fini.city/CCBankImageMFA/login.jsp accounts: - id: 3027530332 ownerName: Roberta Prohaska ownerAddress: Salt Lake City ownerAsOfDate: 1721813301 name: Auto Loan number: 008888 type: loan aggregationStatusCode: 0 currentBalance: -724.1 balanceDate: 1721815841 transactions: - id: 101402235559 amount: -35 postedDate: 1658750400 description: OVERDRAFT FEE FOR A TRANSACTION memo: POSTED ON 07/24 $6.00 PURCHASE BANK CHECK OR DRAFT normalizedPayee: Overdraft institutionTransactionId: '10054' category: Low Balance - id: 101402244897 amount: -37.65 postedDate: 1658664000 description: SZECHUAN CHINESE R memo: PURCHASE 07/20 LAKEWOOD CO CARD 9268 normalizedPayee: Szechuan Chinese institutionTransactionId: '10047' category: Restaurants - id: 101402244895 amount: -5.24 postedDate: 1658664000 description: THE HOME DEPOT 1550 memo: PURCHASE 07/24 LAKEWOOD CO CARD 9268 normalizedPayee: Home Depot institutionTransactionId: '10044' category: Home Improvement - id: 101402235557 amount: -9.99 postedDate: 1658664000 description: PAYPAL *KTONLINEMA memo: PURCHASE 07/20 402-935-7733 CA CARD 9268 normalizedPayee: Paypal institutionTransactionId: '10052' category: Transfer - id: 101402235552 amount: -2.47 postedDate: 1658664000 description: Wal-Mart Super Center memo: PURCHASE 07/23 LAKEWOOD CO CARD 9268 normalizedPayee: wal mart super center purchase lakewood co card institutionTransactionId: '10045' category: Shopping analytics: transactionalAttributes: - attributeName: NSF_FEE_REVERSALS aggregatedByTimePeriods: - periods: - count: 1 endDate: '2022-07-31' max: -35 mean: -35 median: -35 min: -35 startDate: '2022-07-24' sum: -35 - count: 0 endDate: '2022-08-31' startDate: '2022-08-01' - count: 0 endDate: '2024-06-30' startDate: '2024-06-01' - count: 0 endDate: '2024-07-24' startDate: '2024-07-01' timeIntervalType: MONTHLY_CALENDAR streamIds: [] transactionIds: [] - aggregatedByTimePeriods: - periods: - count: 0 endDate: '2022-07-31' startDate: '2022-07-24' - count: 0 endDate: '2022-08-31' startDate: '2022-08-01' - count: 0 endDate: '2022-09-30' startDate: '2022-09-01' - count: 0 endDate: '2022-10-31' startDate: '2022-10-01' - count: 0 endDate: '2022-11-30' startDate: '2022-11-01' - count: 0 endDate: '2022-12-31' startDate: '2022-12-01' - count: 0 endDate: '2023-01-31' startDate: '2023-01-01' - count: 0 endDate: '2023-02-28' startDate: '2023-02-01' - count: 0 endDate: '2023-03-31' startDate: '2023-03-01' - count: 0 endDate: '2023-04-30' startDate: '2023-04-01' - count: 0 endDate: '2023-05-31' startDate: '2023-05-01' - count: 0 endDate: '2023-06-30' startDate: '2023-06-01' - count: 0 endDate: '2023-07-31' startDate: '2023-07-01' - count: 0 endDate: '2023-08-31' startDate: '2023-08-01' - count: 0 endDate: '2023-09-30' startDate: '2023-09-01' - count: 0 endDate: '2023-10-31' startDate: '2023-10-01' - count: 0 endDate: '2023-11-30' startDate: '2023-11-01' - count: 0 endDate: '2023-12-31' startDate: '2023-12-01' - count: 0 endDate: '2024-01-31' startDate: '2024-01-01' - count: 0 endDate: '2024-02-29' startDate: '2024-02-01' - count: 0 endDate: '2024-03-31' startDate: '2024-03-01' - count: 0 endDate: '2024-04-30' startDate: '2024-04-01' - count: 0 endDate: '2024-05-31' startDate: '2024-05-01' - count: 0 endDate: '2024-06-30' startDate: '2024-06-01' - count: 0 endDate: '2024-07-24' startDate: '2024-07-01' timeIntervalType: MONTHLY_CALENDAR attributeName: CASH_OUTFLOW streamIds: [] transactionIds: [] - aggregatedByTimePeriods: - periods: - count: 0 endDate: '2022-07-31' startDate: '2022-07-24' - count: 0 endDate: '2022-08-31' startDate: '2022-08-01' - count: 0 endDate: '2022-09-30' startDate: '2022-09-01' - count: 0 endDate: '2022-10-31' startDate: '2022-10-01' - count: 0 endDate: '2022-11-30' startDate: '2022-11-01' - count: 0 endDate: '2022-12-31' startDate: '2022-12-01' - count: 0 endDate: '2023-01-31' startDate: '2023-01-01' - count: 0 endDate: '2023-02-28' startDate: '2023-02-01' - count: 0 endDate: '2023-03-31' startDate: '2023-03-01' - count: 0 endDate: '2023-04-30' startDate: '2023-04-01' - count: 0 endDate: '2023-05-31' startDate: '2023-05-01' - count: 0 endDate: '2023-06-30' startDate: '2023-06-01' - count: 0 endDate: '2023-07-31' startDate: '2023-07-01' - count: 0 endDate: '2023-08-31' startDate: '2023-08-01' - count: 0 endDate: '2023-09-30' startDate: '2023-09-01' - count: 0 endDate: '2023-10-31' startDate: '2023-10-01' - count: 0 endDate: '2023-11-30' startDate: '2023-11-01' - count: 0 endDate: '2023-12-31' startDate: '2023-12-01' - count: 0 endDate: '2024-01-31' startDate: '2024-01-01' - count: 0 endDate: '2024-02-29' startDate: '2024-02-01' - count: 0 endDate: '2024-03-31' startDate: '2024-03-01' - count: 0 endDate: '2024-04-30' startDate: '2024-04-01' - count: 0 endDate: '2024-05-31' startDate: '2024-05-01' - count: 0 endDate: '2024-06-30' startDate: '2024-06-01' - count: 0 endDate: '2024-07-24' startDate: '2024-07-01' timeIntervalType: MONTHLY_CALENDAR attributeName: CASH_INFLOW streamIds: [] transactionIds: [] - aggregatedByTimePeriods: - periods: - count: 0 endDate: '2022-07-31' startDate: '2022-07-24' - count: 0 endDate: '2022-08-31' startDate: '2022-08-01' - count: 0 endDate: '2022-09-30' startDate: '2022-09-01' - count: 0 endDate: '2022-10-31' startDate: '2022-10-01' - count: 0 endDate: '2022-11-30' startDate: '2022-11-01' - count: 0 endDate: '2022-12-31' startDate: '2022-12-01' - count: 0 endDate: '2023-01-31' startDate: '2023-01-01' - count: 0 endDate: '2023-02-28' startDate: '2023-02-01' - count: 0 endDate: '2023-03-31' startDate: '2023-03-01' - count: 0 endDate: '2023-04-30' startDate: '2023-04-01' - count: 0 endDate: '2023-05-31' startDate: '2023-05-01' - count: 0 endDate: '2023-06-30' startDate: '2023-06-01' - count: 0 endDate: '2023-07-31' startDate: '2023-07-01' - count: 0 endDate: '2023-08-31' startDate: '2023-08-01' - count: 0 endDate: '2023-09-30' startDate: '2023-09-01' - count: 0 endDate: '2023-10-31' startDate: '2023-10-01' - count: 0 endDate: '2023-11-30' startDate: '2023-11-01' - count: 0 endDate: '2023-12-31' startDate: '2023-12-01' - count: 0 endDate: '2024-01-31' startDate: '2024-01-01' - count: 0 endDate: '2024-02-29' startDate: '2024-02-01' - count: 0 endDate: '2024-03-31' startDate: '2024-03-01' - count: 0 endDate: '2024-04-30' startDate: '2024-04-01' - count: 0 endDate: '2024-05-31' startDate: '2024-05-01' - count: 0 endDate: '2024-06-30' startDate: '2024-06-01' - count: 0 endDate: '2024-07-24' startDate: '2024-07-01' timeIntervalType: MONTHLY_CALENDAR attributeName: ALL_CASH_FLOWS streamIds: [] transactionIds: [] stateAttributes: - attributeName: NET_CASH_FLOW reportedByTimePeriods: - periods: - beginningValue: 0 count: 8 endDate: '2022-07-31' endingValue: 0 max: 0 mean: 0 median: 0 min: 0 standardDeviation: 0 startDate: '2022-07-24' sum: 0 - beginningValue: 0 count: 31 endDate: '2022-08-31' endingValue: 0 max: 0 mean: 0 median: 0 min: 0 standardDeviation: 0 startDate: '2022-08-01' sum: 0 - beginningValue: 0 count: 30 endDate: '2024-06-30' endingValue: 0 max: 0 mean: 0 median: 0 min: 0 standardDeviation: 0 startDate: '2024-06-01' sum: 0 - beginningValue: 0 count: 24 endDate: '2024-07-24' endingValue: 0 max: 0 mean: 0 median: 0 min: 0 standardDeviation: 0 startDate: '2024-07-01' sum: 0 timeIntervalType: MONTHLY_CALENDAR streams: - cadence: 0 id: 4bf25309-4b8b-4b6f-a29d-7e6626b51f1f payee: capital one mobile payor: Roberta Prohaska recency: 315 transactionIds: - '101402235642' - cadence: 32 id: 0232939d-b220-4e95-aac2-0d788ebe813d payee: wal mart super center purchase lakewood co card payor: Roberta Prohaska recency: 317 transactionIds: - '101402235607' - '101402235618' - cadence: 186 id: afd411e9-3358-42d3-a793-8fa0be74d397 payee: empire payor: Roberta Prohaska recency: 317 transactionIds: - '101402235637' currency: USD - id: 3027530339 ownerName: Roberta Prohaska ownerAddress: Salt Lake City ownerAsOfDate: 1721813301 name: Checking number: '001111' type: checking aggregationStatusCode: 0 currentBalance: 724.1 availableBalance: 165 balanceDate: 1721815841 transactions: [] analytics: null currency: USD oauthEnabled: false customerAnalytics: stateAttributes: - attributeName: NET_CASH_FLOW reportedByTimePeriods: - periods: - beginningValue: -278.97 count: 8 endDate: '2022-07-31' endingValue: -164.7 max: 678.71 mean: 38.540000000000006 median: -26.450000000000003 min: -278.97 standardDeviation: 320.23035561474006 startDate: '2022-07-24' sum: 308.32000000000005 - beginningValue: 321 count: 31 endDate: '2022-08-31' endingValue: -21.82 max: 498.44000000000005 mean: -38.651290322580635 median: 0 min: -1198.74 standardDeviation: 344.1010097315606 startDate: '2022-08-01' sum: -1198.1899999999998 - beginningValue: 0 count: 30 endDate: '2024-06-30' endingValue: 0 max: 3390 mean: -50.952 median: 0 min: -4974.33 standardDeviation: 1117.177412711036 startDate: '2024-06-01' sum: -1528.56 - beginningValue: 0 count: 24 endDate: '2024-07-24' endingValue: 0 max: 3390 mean: -62.34708333333333 median: 0 min: -4974.33 standardDeviation: 1254.1757580473845 startDate: '2024-07-01' sum: -1496.33 timeIntervalType: MONTHLY_CALENDAR streams: - cadence: 0 id: c62c9bd4-35c6-4b27-a62e-b1136b007eca payee: chili lakewood purchase lakewood co card payor: Roberta Prohaska recency: 370 transactionIds: - '101402235913' - '101402244978' - cadence: 36 id: 15f8e865-1643-4f5c-8827-eba02a60d513 payee: wm superc wal mart sup purchase wheat ridge co card payor: Roberta Prohaska recency: 351 transactionIds: - '101402235582' - cadence: 18 id: e9a96847-8c6e-4771-8d90-3f3d532d046a payee: bradley payor: Roberta Prohaska recency: 317 transactionIds: - '101402235380' - '101402245042' - '101402235762' - '101402235517' - '101402244948' - '101402235519' - '101402235397' - '101402245043' - '101402235280' - '101402235742' - '101402235498' - '101402245036' - '101402235625' - '101402235396' - '101402245131' - '101402235723' - '101402235477' - '101402235848' - '101402235266' - '101402244873' - '101402235884' - '101402235246' - cadence: 61 id: fd4f73c0-a6e1-426f-a2eb-a32446ce1687 payee: chili downtown purchase denver co card payor: Roberta Prohaska recency: 334 transactionIds: - '101402235733' - '101402235858' - '101402245122' transactionalAttributes: - attributeName: NSF_FEE_CHARGES aggregatedByTimePeriods: - periods: - count: 4 endDate: '2022-07-31' max: -35 mean: -35 median: -35 min: -35 standardDeviation: 0 startDate: '2022-07-24' sum: -140 - count: 9 endDate: '2022-08-31' max: -24 mean: -39.22222222222222 median: -35 min: -90 standardDeviation: 19.40217628114033 startDate: '2022-08-01' sum: -353 - count: 4 endDate: '2024-06-30' max: -26.23 mean: -31.0575 median: -32 min: -34 standardDeviation: 3.7300435654292294 startDate: '2024-06-01' sum: -124.23 - count: 3 endDate: '2024-07-24' max: -28 mean: -30.666666666666668 median: -30 min: -34 standardDeviation: 3.0550504633038935 startDate: '2024-07-01' sum: -92 timeIntervalType: MONTHLY_CALENDAR streamIds: - ecb47251-b1b4-43e3-8131-35f0ed4c218a transactionIds: - '101402234886' - '101402234934' - '101402244981' - '101402235478' - attributeName: NSF_FEE_REVERSALS aggregatedByTimePeriods: - periods: - count: 0 endDate: '2022-07-31' startDate: '2022-07-24' - count: 0 endDate: '2022-08-31' startDate: '2022-08-01' - count: 0 endDate: '2024-06-30' startDate: '2024-06-01' - count: 0 endDate: '2024-07-24' startDate: '2024-07-01' timeIntervalType: MONTHLY_CALENDAR streamIds: [] transactionIds: [] - attributeName: CASH_OUTFLOW aggregatedByTimePeriods: - periods: - count: 22 endDate: '2022-07-31' max: -2.47 mean: -39.71272727272727 median: -22.575 min: -167.86 standardDeviation: 48.44036404072815 startDate: '2022-07-24' sum: -873.6800000000001 - count: 51 endDate: '2022-08-31' max: -1.67 mean: -68.74882352941177 median: -24 min: -1150 standardDeviation: 207.0556947649309 startDate: '2022-08-01' sum: -3506.19 - count: 10 endDate: '2024-06-30' max: -26.23 mean: -509.856 median: -300 min: -1358.11 standardDeviation: 597.0070650838229 startDate: '2024-06-01' sum: -5098.5599999999995 - count: 9 endDate: '2024-07-24' max: -28 mean: -562.9255555555555 median: -300 min: -1358.11 standardDeviation: 607.6863589079302 startDate: '2024-07-01' sum: -5066.33 timeIntervalType: MONTHLY_CALENDAR streamIds: - 1c5a5352-0364-4eb8-91cb-7ec8692d895c - 98468b34-b1a8-423d-8de2-a0d2e17f0167 - 987dea29-9135-4db7-8f1b-d678ca253ee0 transactionIds: - '101402234898' - '101402235057' - '101402235268' - '101402245093' - attributeName: CASH_INFLOW aggregatedByTimePeriods: - periods: - count: 7 endDate: '2022-07-31' max: 261 mean: 168.85714285714286 median: 170 min: 34 standardDeviation: 79.20527880435868 startDate: '2022-07-24' sum: 1182 - count: 13 endDate: '2022-08-31' max: 321 mean: 177.53846153846155 median: 199.5 min: 36 standardDeviation: 94.35073342288283 startDate: '2022-08-01' sum: 2308 - count: 9 endDate: '2024-06-30' max: 1070 mean: 396.6666666666667 median: 60 min: 60 standardDeviation: 505 startDate: '2024-06-01' sum: 3570 - count: 9 endDate: '2024-07-24' max: 1070 mean: 396.6666666666667 median: 60 min: 60 standardDeviation: 505 startDate: '2024-07-01' sum: 3570 timeIntervalType: MONTHLY_CALENDAR streamIds: - ed105d3e-063a-401a-a59d-851e223844af - bcdd7d7d-b1ba-4e12-b33b-e3da7ed1ceaf - 6a6c9438-01d4-4c51-801e-3a1020741ef7 transactionIds: - '101402235054' - '101402235009' - '101402234787' - '101402235108' - '101402235513' - attributeName: ALL_CASH_FLOWS aggregatedByTimePeriods: - periods: - count: 29 endDate: '2022-07-31' max: 261 mean: 10.631724137931034 median: -9.99 min: -167.86 standardDeviation: 106.55717590198653 startDate: '2022-07-24' sum: 308.32 - count: 64 endDate: '2022-08-31' max: 321 mean: -18.72171875 median: -15.62 min: -1150 standardDeviation: 213.7644749804459 startDate: '2022-08-01' sum: -1198.19 - count: 19 endDate: '2024-06-30' max: 1070 mean: -80.45052631578946 median: -26.23 min: -1358.11 standardDeviation: 712.6092459208832 startDate: '2024-06-01' sum: -1528.5599999999997 - count: 18 endDate: '2024-07-24' max: 1070 mean: -83.12944444444443 median: 16 min: -1358.11 standardDeviation: 733.1695588612839 startDate: '2024-07-01' sum: -1496.3299999999997 timeIntervalType: MONTHLY_CALENDAR streamIds: - bedf7c84-a94c-4e85-a3e2-fa69a7927936 - 48729fb2-e3fe-49d9-b95a-7a032500f08e transactionIds: - '101402235066' - '101402235207' - '101402235108' - '101402235513' gseEnabled: true schemas: ReportCustomField: type: object properties: label: type: string description: The name of the custom field example: loanID value: type: string description: The value of the custom field example: '123456' shown: type: boolean description: If the custom field will show on the PDF or not example: true VOIReportConstraintsOut: type: object properties: accountIds: $ref: '#/components/schemas/ReportAccountIds' reportCustomFields: $ref: '#/components/schemas/ReportCustomFields' fromDate: $ref: '#/components/schemas/UnixDate' incomeStreamConfidenceMinimum: $ref: '#/components/schemas/IncomeStreamConfidenceMinimum' EmailAddress: type: string description: An email address example: myname@mycompany.com VOAIncomeReportIncomeFromDate: type: integer description: 'A date in Unix epoch time (in seconds). See: [Handling Epoch Dates and Times](https://developer.mastercard.com/open-finance-us/documentation/errors/best-practices/). By default, the income history is set to 24 months, however, a partner can change the transaction history by setting the `incomeFromDate` parameter.' format: int64 example: 1607450357 StatePeriod: description: Statistics for one period in the report of a StateAttribute. properties: beginningValue: description: Value on the first date in the period example: 60.21 type: number count: description: Count of data points during the period example: 2 type: integer endDate: description: End date for the period being reported example: '2023-01-01' format: date type: string endingValue: description: Value on the last date in the period example: 60.21 type: number max: description: Maximum amount during the period example: 60.21 type: number mean: description: Mean of amounts during the period example: 42.22 type: number median: description: Median of amounts during the period example: 42.22 type: number min: description: Minimum amount during the period example: 30.22 type: number standardDeviation: description: Standard deviation of amounts during the period example: 14.995 type: number startDate: description: Start date for the period being reported example: '2022-12-01' format: date type: string sum: description: Sum of amounts during the period example: 90.43 type: number required: - startDate - endDate - count - beginningValue - endingValue type: object FindTransactionDescriptionMemo: type: string description: "A string to return transactions that have an exact match to Description/Memo.
\n- Description/Memo
\n - Found in the PDF report for reach transactions.
\n - A combination of **description** and **memo** from the JSON version\nof the report.
\n" example: Paycheck AddressLine1: type: string description: Address line 1 example: 434 W Ascension Way TransactionalAttribute: description: 'An attribute which represents some categorization/classification of transactions. Enumerates those identified transactions and reports aggregations of them over the requested time interval(s).' properties: aggregatedByTimePeriods: description: List of aggregations by specified Time Interval items: $ref: '#/components/schemas/TransactionalTimeInterval' type: array attributeName: description: Name of Attribute as mentioned in Data Dictionary example: INFLOW_TRANSACTIONS type: string streamIds: description: List of stream IDs categorized as belonging to this attribute example: - '1' - '2' items: type: string type: array transactionIds: description: List of transaction IDs categorized as belonging to this attribute example: - '6010290887' - '6010290914' items: type: string type: array required: - attributeName - aggregatedByTimePeriods - transactionIds - streamIds type: object ReportAccountOwnerAddress: type: string description: The mailing address of the account owner(s). If the owner information is not available, this field will not appear in the report. If the account has multiple owners then the address of the primary owner will be listed. example: 7195 BELMONT ST. PARLIN, NJ 08859 AccountAnalytics: description: Analytics calculated for one account in the report. type: object required: - transactionalAttributes - stateAttributes - streams properties: transactionalAttributes: description: List of calculated transactional attributes items: $ref: '#/components/schemas/TransactionalAttribute' type: array stateAttributes: description: List of calculated state attributes items: $ref: '#/components/schemas/StateAttribute' type: array streams: description: List of generated streams items: $ref: '#/components/schemas/StreamModel' type: array CashFlowMonthlyCashFlowCreditSummaries: required: - month - numberOfCredits - totalCreditsAmount - largestCredit - numberOfCreditsLessTransfers - totalCreditsAmountLessTransfers - averageCreditAmount - estimatedNumberOfLoanDeposits - estimatedLoanDepositAmount type: object properties: month: type: integer description: One instance for each complete calendar month in the report format: int64 example: 1512111600 numberOfCredits: type: string description: Number of credits by month across all accounts example: '57' totalCreditsAmount: type: number description: Total amount of credits by month across all accounts example: 3479.39 largestCredit: type: number description: Largest credit by month across all accounts example: 3000.49 numberOfCreditsLessTransfers: type: string description: Number of credits by month (less transfers) across all accounts example: '5' totalCreditsAmountLessTransfers: type: number description: Total amount of credits by month (less transfers) across all accounts example: 25.46 averageCreditAmount: type: number description: The average credit amount example: 500 estimatedNumberOfLoanDeposits: type: string description: The estimated number of loan deposits by month example: '0' estimatedLoanDepositAmount: type: number description: The estimated loan deposit amount by month example: 0 VOIReportAccount: type: object properties: id: type: integer description: The ID of the account format: int64 example: 1000023996 number: type: string description: 'Account number provided by the financial institution. The format varies depending on the institution. Some digits may be masked. If an ACH number is needed, call the ACH endpoints. Below is a non-exhaustive list of examples for the `number` field. * 8089258 * 103275057=01 * 2000004444' example: '201940541' ownerName: $ref: '#/components/schemas/ReportAccountOwnerName' ownerAddress: $ref: '#/components/schemas/ReportAccountOwnerAddress' ownerAsOfDate: $ref: '#/components/schemas/ReportAccountOwnerAsOfDate' name: type: string description: The account name from the institution example: Checking type: type: string description: 'The list of supported account types. * `checking` * `savings` * `moneyMarket`' example: checking currency: $ref: '#/components/schemas/AccountCurrency' aggregationStatusCode: type: integer description: The status of the most recent aggregation attempt format: int32 example: 0 incomeStreams: type: array items: $ref: '#/components/schemas/VOIReportIncomeStream' description: A list of income stream records balance: type: number description: The cleared balance of the account as-of `balanceDate` example: 714.16 averageMonthlyBalance: type: number description: The average monthly balance of this account example: 720.75 transactions: type: array items: $ref: '#/components/schemas/ReportTransaction' description: a list of transaction records availableBalance: type: number description: The available balance for the account example: 714.16 currentBalance: type: number description: Current balance of the account example: 714.16 beginningBalance: type: number description: Beginning balance of account per the time period in the report example: 714.77 oldestTransactionDate: type: integer description: The oldest transaction date of this account. format: int64 example: 1588350276 maximum: 2147483647 minimum: 0 miscDeposits: maxItems: 100 minItems: 0 type: array items: $ref: '#/components/schemas/ReportTransaction' description: A list of miscellaneous deposits VOIEWithStatementData: required: - assetIds type: object properties: assetIds: description: A list of pay statement asset IDs type: array items: $ref: '#/components/schemas/AssetId' extractEarnings: $ref: '#/components/schemas/ExtractEarnings' extractDeductions: $ref: '#/components/schemas/ExtractDeductions' extractDirectDeposit: $ref: '#/components/schemas/ExtractDirectDeposit' PayStatEarningsCategorizationType: type: string description: 'The categorization based on the earning line''s description. Possible values: * "bereavement" * "bonus" * "commission" * "holiday" * "jury duty" * "overtime" * "pension" * "pto" * "regular" * "sick" * "tips" * "unknown" * "vacation" * "reimbursement" * "stock" * "benefit"' ForesightAnalyticsReportData: description: Parameters supplied by the client requesting the analytics. properties: forCraPurpose: type: boolean description: Field to indicate if the requested report is for CRA or NONCRA. For small business lending or other similar business use cases, pass the value as “true” for purposes of this field. example: true segments: type: object description: Requested segments for attribute values. properties: geolocation: $ref: '#/components/schemas/GeoLocation' analytics: description: Analytics information for the requested report. The allowed values are benchmarking & forecasting. If it is null, default to benchmarking and forecasting example: - benchmarking - forecasting minItems: 2 maxItems: 2 items: $ref: '#/components/schemas/AnalyticsType' type: array timeIntervalTypes: description: Requested time interval for attribute values. example: - MONTHLY_CALENDAR maxItems: 2 items: $ref: '#/components/schemas/TimeIntervalType' type: array income: $ref: '#/components/schemas/Income' age: $ref: '#/components/schemas/Age' type: object ErrorMessage: required: - code type: object properties: code: type: object description: 'An error code (can be returned as a number or a string). Useful links: [Common API Status Codes](https://developer.mastercard.com/open-finance-us/documentation/errors/best-practices/#common-api-status-codes), [Aggregation Status Codes](https://developer.mastercard.com/open-finance-us/documentation/products/manage/account-aggregation/#aggregation-status-codes).' example: '10001' status: type: string description: A status code example: '401' title: type: string description: A title for the error example: Connecting accounts error level: type: string description: An error level example: error message: type: string description: An error message example: Invalid authorization credentials user_message: type: string description: Some more details about the error example: The session has expired or is invalid assetId: $ref: '#/components/schemas/AssetId' accountId: $ref: '#/components/schemas/AccountId' externalTransactionId: type: string description: A unique identifier for the transaction that assists in linking data back to your systems. example: MAC1005061234 minLength: 1 maxLength: 100 tags: type: string description: Categories that the error belongs to example: AGG GeoLocationItems: type: object properties: label: type: string description: The name of the Geolocation details. Possible values are POSTAL_CODE example: POSTAL_CODE value: type: string description: The value of the Geolocation field example: '85123' ReportWithFirstThirdParty: description: A report type: object required: - id - requestId - requesterName - createdDate - reportRefreshNumber - originalReportCreatedDate - title - type - status allOf: - $ref: '#/components/schemas/ForesightAnalyticsFirstThirdPartyReport' AccountId: type: string description: An account ID example: '5011648377' ReportTransactionBase1: required: - id - postedDate - description type: object properties: id: $ref: '#/components/schemas/TransactionId' amount: type: number description: The total amount of the transaction. Transactions for deposits are positive values, withdrawals and debits are negative values. example: 100 postedDate: type: integer description: A timestamp showing when the transaction was posted or cleared by the institution format: int64 example: 1571313600 description: type: string description: The description of the transaction, as provided by the institution (often known as `payee`). In the event that this field is left blank by the institution, Finicity will pass a value of "No description provided by institution". All other values are provided by the institution. example: ATM CHECK DEPOSIT mm/dd memo: type: string description: The memo field of the transaction, as provided by the institution. The institution must provide either a description, a memo, or both. It is recommended to concatenate the two fields into a single value. example: Some St Somewhere City State AccountDetailsTxBased: type: object allOf: - $ref: '#/components/schemas/AccountDetails' - type: object properties: marginBalance: type: number description: Net interest earned after deducting interest paid out example: 100.0 currentBalance: type: number description: Current balance example: 1000.0 ExtractDeductions: type: boolean description: Field to indicate whether to extract the deductions on all pay statements default: false example: true VOIEPaystubPayStatement: type: object allOf: - $ref: '#/components/schemas/PayStatementForVoie' - type: object properties: monthlyIncome: $ref: '#/components/schemas/PaystubMonthlyIncomeRecord' PayrollEmploymentHistoryVOIE: required: - asOfDate - employerName - payrollSource - employee - employment - income type: object properties: asOfDate: $ref: '#/components/schemas/AsOfDate' employmentId: $ref: '#/components/schemas/EmploymentId' employerName: $ref: '#/components/schemas/EmployerName' payrollSource: type: string description: The name of the payroll source where the data was retrieved example: finPayroll payrollProvider: $ref: '#/components/schemas/PayrollProviderName' employee: $ref: '#/components/schemas/PayrollEmployeeRecord' employment: $ref: '#/components/schemas/PayrollEmploymentRecord' income: $ref: '#/components/schemas/PayrollVOIEIncomeRecord' BusinessId: type: string description: Unique identifier of the business minLength: 1 maxLength: 50 example: '1112' BusinessAddressLine1: type: string minLength: 0 maxLength: 50 description: A street address example: 434 W Ascension Way VOIEWithTXVerifyReportConstraintsOut: required: - voieWithInterviewData type: object properties: accountIds: $ref: '#/components/schemas/ReportAccountIds' voieWithInterviewData: $ref: '#/components/schemas/VOIEWithInterviewData' reportCustomFields: $ref: '#/components/schemas/ReportCustomFields' fromDate: $ref: '#/components/schemas/UnixDate' incomeStreamConfidenceMinimum: $ref: '#/components/schemas/IncomeStreamConfidenceMinimum' Report: description: A report type: object required: - id - customerType - customerId - requestId - requesterName - createdDate - title - type - status anyOf: - $ref: '#/components/schemas/AFBalanceAnalyticsReport' - $ref: '#/components/schemas/AFCashFlowAnalyticsReport' - $ref: '#/components/schemas/ForesightAnalyticsReport' - $ref: '#/components/schemas/PaymentRiskInsightsReport' - $ref: '#/components/schemas/AFPaymentHistoryAnalyticsReport' - $ref: '#/components/schemas/CashFlowReport' - $ref: '#/components/schemas/PrequalificationReport' - $ref: '#/components/schemas/PayStatementReport' - $ref: '#/components/schemas/StatementReport' - $ref: '#/components/schemas/TransactionsReport' - $ref: '#/components/schemas/VOAReport' - $ref: '#/components/schemas/VOAWithIncomeReport' - $ref: '#/components/schemas/VOEPayrollReport' - $ref: '#/components/schemas/VOETransactionsReport' - $ref: '#/components/schemas/VOIReport' - $ref: '#/components/schemas/VOIEPayrollReport' - $ref: '#/components/schemas/VOIEPaystubReport' - $ref: '#/components/schemas/VOIEPaystubWithTXVerifyReport' AnalyticsReportData: description: Parameters supplied by the client requesting the analytics. properties: forCraPurpose: type: boolean description: Field to indicate if the requested report is for CRA or NONCRA. For small business lending or other similar business use cases, pass the value as “true” for purposes of this field. example: true applicantIsPersonalGuarantor: type: boolean description: Field to indicate if the business owner will personally guarantee the loan. If true, a consumer record will be required. example: true forFtcPurpose: type: boolean description: Field to indicate if the requested report is for FTC purpose. Only applicable to business reports. example: false timeIntervalTypes: description: Requested time interval for attribute values. example: - MONTHLY_CALENDAR maxItems: 2 items: $ref: '#/components/schemas/TimeIntervalType' type: array type: object ReportIncomeEstimate: required: - netAnnual - projectedNetAnnual - estimatedGrossAnnual - projectedGrossAnnual type: object properties: netAnnual: description: Sum of all values in `netMonthlyIncome` over the previous 12 months type: number example: 1000.12 projectedNetAnnual: description: Projected net income over the next 12 months, across all income streams, based on `netAnnualIncome` type: number example: 1500.23 estimatedGrossAnnual: description: Before-tax gross annual income (estimated from `netAnnual`) across all income stream in the past 12 months type: number example: 2000.12 projectedGrossAnnual: description: Projected gross income over the next 12 months, across all active income streams, based on `projectedNetAnnual` type: number example: 2500.23 VOAReport: description: A VOA report type: object allOf: - $ref: '#/components/schemas/BaseReportAckWithPortfolioId' - type: object properties: startDate: $ref: '#/components/schemas/ReportStartDate' endDate: $ref: '#/components/schemas/ReportEndDate' days: type: integer description: Number of days covered by the report example: 180 seasoned: type: boolean description: '"true" if the report covers more than 180 days' example: true consolidatedAvailableBalance: type: number description: The sum of available balance for all of the accounts included in the report example: 1929.57 institutions: type: array items: $ref: '#/components/schemas/ReportInstitution' description: A list of institution records assets: $ref: '#/components/schemas/PrequalificationReportAssetSummary' AFCashFlowAnalyticsReport: description: A Cash Flow Analytics Report type: object allOf: - $ref: '#/components/schemas/AnalyticsReportAck' - type: object properties: startDate: $ref: '#/components/schemas/ReportStartDate' endDate: $ref: '#/components/schemas/ReportEndDate' days: type: integer description: Number of days covered by the report example: 730 seasoned: type: boolean description: '"true" if the report covers more than 365 days' example: true institutions: type: array items: $ref: '#/components/schemas/ReportInstitution' description: A list of institution records, including information about the individual accounts used in this report customerAnalytics: $ref: '#/components/schemas/CustomerAnalytics' StatementReport: description: A Statement report type: object allOf: - $ref: '#/components/schemas/BaseReportAck' - type: object properties: assetId: $ref: '#/components/schemas/AssetId' DirectDeposit: type: object properties: fiName: type: string description: The name of the institution example: FinBank accountTypeCode: type: string description: 'Bank account type: * `Checking` * `Savings` * `Loan`: Loan account employee choose to direct a portion of their net pay to help pay off a loan ' example: Savings accountTypeName: type: string description: The name of the Account example: Checking description: type: string description: Description of deposit example: Payroll amount: type: number description: Direct deposit amount example: 12.34 accountLastFour: type: string description: Last four digits of the deposit account number example: 3337 routingNumber: type: string description: Routing number for the deposit account example: 30207583 Country: type: string description: Country code is Iso3166-1 Alpha-2 code and Alpha 3 standard (max length 3). example: CAN CashFlowMonthlyCashFlowCharacteristicsSummaries: required: - month - totalCreditsLessTotalDebits - totalCreditsLessTotalDebitsLessTransfers - averageTransactionAmount type: object properties: month: type: integer description: One instance for each complete calendar month in the report format: int64 example: 1512111600 totalCreditsLessTotalDebits: type: number description: Total Credits - Total Debits by month across all accounts example: 15000 totalCreditsLessTotalDebitsLessTransfers: type: number description: Total Credits - Total Debits by month (Without Transfers) across all accounts example: 11000 averageTransactionAmount: type: number description: Average transaction amount across all accounts example: 10 VOIETXVerifyReportAccount: required: - id - name - number - type - aggregationStatusCode - transactions type: object properties: id: type: integer description: The ID of the account format: int64 example: 1000023996 number: type: string description: 'Account number provided by the financial institution. The format varies depending on the institution. Some digits may be masked. If an ACH number is needed, call the ACH endpoints. Below is a non-exhaustive list of examples for the `number` field. * 8089258 * 103275057=01 * 2000004444' example: '201940541' ownerName: $ref: '#/components/schemas/ReportAccountOwnerName' ownerAddress: $ref: '#/components/schemas/ReportAccountOwnerAddress' ownerAsOfDate: $ref: '#/components/schemas/ReportAccountOwnerAsOfDate' name: type: string description: The account name from the institution example: Checking type: type: string description: 'The list of supported account types. * `checking` * `savings` * `moneyMarket` * `cd` * `investment` * `investmentTaxDeferred` * `employeeStockPurchasePlan` * `ira` * `401k` * `roth` * `403b` * `529` * `rollover` * `ugma` * `utma` * `keogh` * `457` * `401a` * `unknown` * `mortgage` * `loan` * `creditCard` * `lineOfCredit` * `payroll` * `studentLoan` * `brokerageAccount` * `educationSavings` * `healthSavingsAccount` * `nonTaxableBrokerageAccount` * `pension` * `profitSharingPlan` * `roth401k` * `sepIRA` * `simpleIRA` * `thriftSavingsPlan` * `variableAnnuity`' example: checking currency: $ref: '#/components/schemas/AccountCurrency' aggregationStatusCode: type: integer description: The status of the most recent aggregation attempt format: int32 example: 0 incomeStreams: type: array items: $ref: '#/components/schemas/VOIETXVerifyReportIncomeStream' description: A list of income stream records balance: type: number description: The cleared balance of the account as-of `balanceDate` example: 123.45 averageMonthlyBalance: type: number description: The average monthly balance of this account example: 301.45 transactions: type: array items: $ref: '#/components/schemas/ReportTransactionNewTxBased' description: a list of transaction records details: $ref: '#/components/schemas/AccountDetailsTxBased' availableBalance: type: number description: The available balance for the account example: 123.45 ForesightAnalyticsFirstThirdPartyReport: description: A Foresight Analytics Report type: object allOf: - $ref: '#/components/schemas/ForesightAnalyticsFirstThirdPartyReportAck' - type: object properties: startDate: $ref: '#/components/schemas/ReportStartDate' endDate: $ref: '#/components/schemas/ReportEndDate' days: type: integer description: Number of days covered by the report example: 730 seasoned: type: boolean description: '"true" if the report covers more than 365 days' example: true institutions: type: array items: $ref: '#/components/schemas/ReportInstitution' description: A list of institution records, including information about the individual accounts used in this report customerAnalytics: $ref: '#/components/schemas/CustomerAnalytics' AFPaymentHistoryAnalyticsReport: description: A Cash Flow Analytics Report type: object allOf: - $ref: '#/components/schemas/AnalyticsReportAck' - type: object properties: startDate: $ref: '#/components/schemas/ReportStartDate' endDate: $ref: '#/components/schemas/ReportEndDate' days: type: integer description: Number of days covered by the report example: 730 seasoned: type: boolean description: '"true" if the report covers more than 365 days' example: true institutions: type: array items: $ref: '#/components/schemas/ReportInstitution' description: A list of institution records, including information about the individual accounts used in this report customerAnalytics: $ref: '#/components/schemas/CustomerAnalytics' ReportAccountOwnerAsOfDate: type: integer description: 'The ownerAsOfDate field is populated if the account owner information was retrieved from a prior report and will show the created date of that report. Reports always try and aggregate fresh account owner information and only rarely aren''t able to aggregate it. If account owner information is not able to be aggregated, but it was available from a prior report that had that same account, the information from that prior report will be used and this field will be populated. A date in Unix epoch time (in seconds). See: [Handling Epoch Dates and Times](https://developer.mastercard.com/open-finance-us/documentation/errors/best-practices/).' format: int64 example: 1596175200 DisputeStatement: description: A consumer-provided statement describing the nature of an unresolved dispute. This field is populated only if a consumer dispute remains unresolved, and the consumer has requested that a statement be included in their report. type: string minLength: 1 maxLength: 2000 example: Statement dispute text MonthlyIncome: required: - estimatedMonthlyTotalPay type: object description: 'Current estimated monthly pay for the employment. This is a mandatory field only for VOIE-payroll report type.' properties: estimatedMonthlyBasePay: type: number description: Mastercard Open Finance estimated monthly base pay amount for the employment example: 123.45 estimatedMonthlyOvertimePay: type: number description: Mastercard Open Finance estimated monthly overtime pay amount for the employment example: 123.45 estimatedMonthlyBonusPay: type: number description: Mastercard Open Finance estimated monthly bonus pay amount for the employment example: 123.45 estimatedMonthlyOtherPay: type: number description: Mastercard Open Finance estimated monthly other pay amount for the employment example: 123.45 estimatedMonthlyTotalPay: type: number description: Sum of all Mastercard Open Finance estimated monthly pay amounts example: 123.45 estimatedMonthlyCommissionPay: type: number description: Mastercard Open Finance estimated monthly commission pay amount for the employment example: 123.45 ReportStatus: type: string description: 'A report generation status. Possible values: * `inProgress` * `success` * `failure` ' example: inProgress PayStatementReport: description: A Pay Statement report type: object allOf: - $ref: '#/components/schemas/BaseReportAckWithPortfolioId' - type: object properties: startDate: $ref: '#/components/schemas/ReportStartDate' endDate: $ref: '#/components/schemas/ReportEndDate' reportStyle: $ref: '#/components/schemas/ReportStyle' numberOfBillableAssets: type: integer description: Total number of billable pay statements included in the report format: int32 example: 1 assetIds: type: array items: $ref: '#/components/schemas/AssetId' payStatements: type: array items: $ref: '#/components/schemas/VOIEPayStatement' description: Extracted pay statement details AssetId: type: string description: An asset ID. Generated by Data Connect or by using the Store Customer Pay Statement API. example: 097545c5-1c2a-4f20-a5ef-77f0820344c9-2018601178 CashFlowCashFlowBalanceSummary: required: - monthlyCashFlowBalanceSummaries - minDailyBalance - maxDailyBalance - twelveMonthAverageDailyBalance - sixMonthAverageDailyBalance - twoMonthAverageDailyBalance - twelveMonthStandardDeviationOfDailyBalance - twoMonthStandardDeviationOfDailyBalance - numberOfDaysNegativeBalance - numberOfDaysPositiveBalance type: object properties: monthlyCashFlowBalanceSummaries: type: array items: $ref: '#/components/schemas/CashFlowMonthlyCashFlowBalanceSummaries' description: List of attributes for each month minDailyBalance: type: number description: Min Daily Balance across entire transaction history for all accounts example: 3479.39 maxDailyBalance: type: number description: Max Daily Balance across entire transaction history for all accounts example: 3479.39 twelveMonthAverageDailyBalance: type: number description: Average Daily Balance across twelve months for all accounts example: 3479.39 sixMonthAverageDailyBalance: type: number description: Average Daily Balance across six months for all accounts example: 3479.39 twoMonthAverageDailyBalance: type: number description: Average Daily Balance across two months for all accounts example: 3479.39 twelveMonthStandardDeviationOfDailyBalance: type: string description: Standard Deviation of Daily Balance across twelve months for all accounts example: '20' sixMonthStandardDeviationOfDailyBalance: type: string description: Standard Deviation of Daily Balance across six months for all accounts example: '20' twoMonthStandardDeviationOfDailyBalance: type: string description: Standard Deviation of Daily Balance across two months for all accounts example: '20' numberOfDaysNegativeBalance: type: string description: Number of Days Negative Balance over entire transaction history for all accounts example: '6' numberOfDaysPositiveBalance: type: string description: Number of Days Positive Balance over entire transaction history for all accounts example: '11' ForesightAnalyticsReport: description: A Foresight Analytics Report type: object allOf: - $ref: '#/components/schemas/ForesightAnalyticsReportAck' - type: object properties: startDate: $ref: '#/components/schemas/ReportStartDate' endDate: $ref: '#/components/schemas/ReportEndDate' days: type: integer description: Number of days covered by the report example: 730 seasoned: type: boolean description: '"true" if the report covers more than 365 days' example: true institutions: type: array items: $ref: '#/components/schemas/ReportInstitution' description: A list of institution records, including information about the individual accounts used in this report customerAnalytics: $ref: '#/components/schemas/CustomerAnalytics' VOIETXVerifyReportIncomeStream: required: - id - name - status - confidence - cadence - transactions type: object properties: id: type: string description: Finicity's income stream ID example: dens28i3vsch-voietxverify name: type: string description: A human-readable name based on the `normalizedPayee` name of the transactions for this income stream example: none status: $ref: '#/components/schemas/ActiveStatus' confidence: type: integer description: 'Level of confidence that the deposit stream represents income (example: 85%)' format: int32 example: 70 cadence: $ref: '#/components/schemas/CadenceDetails' netMonthly: type: array items: $ref: '#/components/schemas/NetMonthly' description: A list of net monthly records. One instance for each complete calendar month in the report. netAnnual: type: number description: Sum of all values in `netMonthlyIncome` over the previous 12 months example: 110475.7 projectedNetAnnual: type: number description: Projected net income over the next 12 months, across all income streams, based on `netAnnualIncome` example: 0 estimatedGrossAnnual: type: number description: Before-tax gross annual income (estimated from `netAnnual`) across all income stream in the past 12 months example: 12321.1 projectedGrossAnnual: type: number description: Projected gross income over the next 12 months, across all active income streams, based on `projectedNetAnnual` example: 151609 averageMonthlyIncomeNet: type: number description: Monthly average net amount over the previous 12 months example: 9206.31 incomeStreamMonths: type: integer description: The number of months the income transactions are observed format: int32 example: 24 transactions: type: array items: $ref: '#/components/schemas/ReportTransaction' description: A list of transaction records PartnerName: type: string description: Name of a Finicity partner example: Finicity Test API PurposeCode: type: string description: FCRA required 2-digit Permissible Purpose Code, specifying the reason for retrieving this report. example: '31' AnalyticsReportsAccount: required: - id - name - number - type - currency - transactions type: object properties: id: type: integer description: The ID of the account format: int64 example: 1000023996 ownerName: $ref: '#/components/schemas/ReportAccountOwnerName' ownerAddress: $ref: '#/components/schemas/ReportAccountOwnerAddress' ownerAsOfDate: $ref: '#/components/schemas/ReportAccountOwnerAsOfDate' name: type: string description: The account name from the institution example: Checking number: type: string description: 'Account number provided by the financial institution. The format varies depending on the institution. Some digits may be masked. If an ACH number is needed, call the ACH endpoints. Below is a non-exhaustive list of examples for the `number` field. * 8089258 * 103275057=01 * 2000004444' example: '201940541' type: type: string description: 'The list of supported account types. * `checking` * `savings` * `moneyMarket` * `cd` * `investment` * `investmentTaxDeferred` * `employeeStockPurchasePlan` * `ira` * `401k` * `roth` * `403b` * `529` * `rollover` * `ugma` * `utma` * `keogh` * `457` * `401a` * `unknown` * `mortgage` * `loan` * `creditCard` * `lineOfCredit` * `payroll` * `studentLoan` * `brokerageAccount` * `educationSavings` * `healthSavingsAccount` * `nonTaxableBrokerageAccount` * `pension` * `profitSharingPlan` * `roth401k` * `sepIRA` * `simpleIRA` * `thriftSavingsPlan` * `variableAnnuity`' example: checking currency: $ref: '#/components/schemas/AccountCurrency' aggregationStatusCode: type: integer description: The status of the most recent aggregation attempt format: int32 example: 0 currentBalance: type: number description: The cleared balance of the account as-of `balanceDate` example: 100000 availableBalance: type: number description: Available balance example: 1000 balanceDate: type: integer description: A timestamp showing when the `balance` was captured format: int64 example: 1614880526 transactions: type: array items: $ref: '#/components/schemas/ReportTransaction' description: a list of transaction records details: $ref: '#/components/schemas/AccountDetails' analytics: $ref: '#/components/schemas/AccountAnalytics' Deductions: required: - type - amount type: object properties: type: type: string description: 'Deduction types: * `Federal tax`: Federal tax withholdings * `State tax`: State tax withholdings * `Local tax`: Local tax withholdings * `Social security tax`: Social security tax withholdings * `Medicare tax`: Medicare withholdings * `SUI SDI VPDI tax`: SUI SDI VPDI tax * Retirement deductions: Retirement withholdings * `Benefit deductions`: Medical/Health benefits withholdings (i.e. medical, dental, vision, insurance) * `Garnishment deductions`: Garnishment withholdings, (i.e. bankruptcy, student loan, state garnishments, tax levy garnishments, child support) * `Other deductions`: Other withholdings, includes any other uncommon withholdings, pension plan, stock plans, etc. ' example: State tax amount: type: number description: Amount associated with deduction example: 4.28 NumericInstitutionId: description: The ID of a financial institution, represented as a number type: integer format: int64 example: 4222 NetMonthly: required: - month - net type: object properties: month: type: integer description: Timestamp for the first day of this month format: int64 example: 1522562400 net: type: number description: Total income during the given month, across all income streams example: 2004.77 gross: type: number description: Total gross income during the given month, across all income streams example: 2400.0 ConsumerDetails: description: Details about the consumer. Populated if the report requires a consumer record to be generated. type: object properties: id: $ref: '#/components/schemas/ConsumerId' firstName: $ref: '#/components/schemas/FirstName' middleName: $ref: '#/components/schemas/MiddleName' lastName: $ref: '#/components/schemas/LastName' address: $ref: '#/components/schemas/AddressLine1' city: $ref: '#/components/schemas/City' state: $ref: '#/components/schemas/State' zip: $ref: '#/components/schemas/ZipCode' phone: $ref: '#/components/schemas/PhoneNumber' ssn: $ref: '#/components/schemas/SocialSecurityNumberLastDigits' email: $ref: '#/components/schemas/EmailAddress' AsOfDate: type: integer description: The last time the payroll data was updated in the payroll provider's system format: int64 example: 1596175200 CashFlowCashFlowCreditSummary: required: - monthlyCashFlowCreditSummaries - twelveMonthCreditTotal - twelveMonthCreditTotalLessTransfers - sixMonthCreditTotal - sixMonthCreditTotalLessTransfers - twoMonthCreditTotal - twoMonthCreditTotalLessTransfers type: object properties: monthlyCashFlowCreditSummaries: type: array items: $ref: '#/components/schemas/CashFlowMonthlyCashFlowCreditSummaries' description: List of attributes for each month twelveMonthCreditTotal: type: number description: Sum of all credit transactions for each month for all accounts example: 1200 twelveMonthCreditTotalLessTransfers: type: number description: Sum of all monthly credit transactions without transfers for all accounts example: 1000 sixMonthCreditTotal: type: number description: Six month sum of all credit transactions example: 750 sixMonthCreditTotalLessTransfers: type: number description: Six month sum of all monthly credit transactions without transfers for all accounts example: 500 twoMonthCreditTotal: type: number description: Two month sum of all credit transactions example: 150 twoMonthCreditTotalLessTransfers: type: number description: Two month sum of all monthly credit transactions without transfers for all accounts example: 100 CashFlowMonthlyCashFlowCredits: required: - month - numberOfCredits - totalCreditsAmount - largestCredit - numberOfCreditsLessTransfers - totalCreditsAmountLessTransfers - averageCreditAmount - estimatedNumberOfLoanDeposits - estimatedLoanDepositAmount type: object properties: month: type: integer description: One instance for each complete calendar month in the report format: int64 example: 1512111600 numberOfCredits: type: string description: Number of credits by month example: '3' totalCreditsAmount: type: number description: Total amount of credits by month example: 5000 largestCredit: type: number description: Largest credit by month example: 2000 numberOfCreditsLessTransfers: type: string description: Number of credits by month (less transfers) example: '2' totalCreditsAmountLessTransfers: type: number description: Total amount of credits by month (less transfers) example: 4000 averageCreditAmount: type: number description: The average credit amount example: 500 estimatedNumberOfLoanDeposits: type: string description: The estimated number of loan deposits example: '0' estimatedLoanDepositAmount: type: number description: The estimated loan deposit amount example: 0 ReportCreatedDate: type: integer description: 'A date in Unix epoch time (in seconds). See: [Handling Epoch Dates and Times](https://developer.mastercard.com/open-finance-us/documentation/errors/best-practices/). Note: If the report is retrieved on a day other than the day it was generated, on the header of the PDF version of the report there will be a "Retrieved Date" populated.' format: int64 example: 1607450357 CashFlowMonthlyCashFlowBalances: required: - month - minDailyBalance - maxDailyBalance - averageDailyBalance - numberOfDaysNegativeBalance - numberOfDaysPositiveBalance type: object properties: month: type: integer description: One instance for each complete calendar month in the report format: int64 example: 1512111600 minDailyBalance: type: number description: Min Daily Balance for each month example: 3479.39 maxDailyBalance: type: number description: Max Daily Balance for each month example: 3479.39 averageDailyBalance: type: number description: Average Daily Balance for each month example: 3479.39 standardDeviationOfDailyBalance: type: string description: Standard Deviation of Daily Balance for each month example: '20' numberOfDaysNegativeBalance: type: string description: Number of Days Negative Balance for each month example: '6' numberOfDaysPositiveBalance: type: string description: Number of Days positive balance for each month example: '0' ReportType: description: 'A report type. Possible values: * `voi` * `voa` * `voaHistory` * `history` * `voieTxVerify` * `voieWithReport` * `voieWithInterview` * `voieWithStatement` * `paystatement` * `preQualVoa` * `assetSummary` * `voie` * `transactions` * `statement` * `voiePayroll` * `voeTransactions` * `farpbfnoncra` * `voePayroll` * `cfrp` * `cfrb` * `barpcra` * `barpnoncra` * `barbcra` * `barbftc` * `barbnoncra` * `cfrpcra` * `cfrpnoncra` * `cracfrbcra` * `cfrbnoncra` * `cfrbftc` * `phrbcra` * `phrbnoncra` * `phrbftc` * `sbcaanalyticsnoncra` * `sbcabenchmarksnoncra` * `pripcra` * `pripnoncra` * `pribcra` * `pribnoncra` * `pribftc` ' type: string example: voi CashFlowCashFlowCredit: required: - monthlyCashFlowCredits type: object properties: monthlyCashFlowCredits: type: array items: $ref: '#/components/schemas/CashFlowMonthlyCashFlowCredits' description: List of attributes for each month twelveMonthCreditTotal: type: number description: Sum of all credit transactions for each month by account example: 1200 twelveMonthCreditTotalLessTransfers: type: number description: Sum of all monthly credit transactions without transfers for the account example: 1000 sixMonthCreditTotal: type: number description: Sum of six month credit transactions example: 750 sixMonthCreditTotalLessTransfers: type: number description: Sum of six month credit transactions without transfers example: 500 twoMonthCreditTotal: type: number description: Sum of two month credit transactions example: 150 twoMonthCreditTotalLessTransfers: type: number description: Sum of two month credit transactions without transfers example: 100 ZipCode: type: string description: A ZIP code example: '84123' PayStatementData: description: Data to be included within the pay statement report required: - assetIds type: object properties: assetIds: description: A list of pay statement asset IDs type: array items: $ref: '#/components/schemas/AssetId' extractEarnings: $ref: '#/components/schemas/ExtractEarnings' extractDeductions: $ref: '#/components/schemas/ExtractDeductions' extractDirectDeposit: $ref: '#/components/schemas/ExtractDirectDeposit' ForesightAnalyticsFirstThirdPartyReportAck: required: - id - requestId - requesterName - createdDate - title - type - status - reportPin - constraints allOf: - $ref: '#/components/schemas/BaseReportAck' - type: object properties: externalCustomerId: $ref: '#/components/schemas/ExternalCustomerId' reportPin: $ref: '#/components/schemas/ReportPin' constraints: $ref: '#/components/schemas/ForesightAnalyticsReportFirstThirdPartyConstraints' TransactionsReportAccount: type: object properties: id: type: integer description: The Finicity account ID format: int64 example: 1000075473 name: type: string description: The account name from the financial institution. example: Super Checking number: type: string description: 'Account number provided by the financial institution. The format varies depending on the institution. Some digits may be masked. If an ACH number is needed, call the ACH endpoints. Below is a non-exhaustive list of examples for the `number` field. * 8089258 * 103275057=01 * 2000004444' example: '201940541' type: type: string description: 'The list of supported account types. * `checking` * `savings` * `moneyMarket` * `cd` * `investment` * `investmentTaxDeferred` * `employeeStockPurchasePlan` * `ira` * `401k` * `roth` * `403b` * `529` * `rollover` * `ugma` * `utma` * `keogh` * `457` * `401a` * `unknown` * `mortgage` * `loan` * `creditCard` * `lineOfCredit` * `payroll` * `studentLoan` * `brokerageAccount` * `educationSavings` * `healthSavingsAccount` * `nonTaxableBrokerageAccount` * `pension` * `profitSharingPlan` * `roth401k` * `sepIRA` * `simpleIRA` * `thriftSavingsPlan` * `variableAnnuity`' example: checking currency: $ref: '#/components/schemas/AccountCurrency' aggregationStatusCode: type: integer description: 'The status of the most recent aggregation attempt for this account. Note: non-zero means the account was not accessed successfully for this report, and additional fields for this account may not be reliable.' format: int32 example: 0 balance: type: number description: The cleared balance of the account as-of `balanceDate` example: 100000 balanceDate: type: integer description: A timestamp showing when the balance was captured by the FI format: int64 example: 1594676289 oldestTransactionDate: type: integer description: The oldest transaction date of this account. format: int64 example: 1588350276 maximum: 2147483647 minimum: 0 transactionsCount: type: integer description: A number detailing the total number of transactions for a given account. format: int64 example: 3 maximum: 2147483647 minimum: 0 transactions: type: array items: $ref: '#/components/schemas/ReportTransaction' description: a list of transaction records description: Fields used for the Transaction History Report (CRA products) FindTransactionAmountTo: type: number description: 'A decimal value to return transactions with **amount** less than or equal to **findTransactionAmountTo**.
- If both **findTransactionAmountFrom** and **findTransactionAmountTo** are present. Then transactions with **amount** between (inclusive) both values will be returned. ' example: 100 Age: type: integer description: Age is an optional parameter. This data is used to determine the age band the customer falls into. format: int64 example: 25 minimum: 0 maximum: 125 PrequalificationReport: description: A Prequalification report type: object allOf: - $ref: '#/components/schemas/BaseReportAckWithPortfolioId' - type: object properties: startDate: $ref: '#/components/schemas/ReportStartDate' endDate: $ref: '#/components/schemas/ReportEndDate' days: type: integer description: The number of days covered by the report example: 230 seasoned: type: boolean description: '"true" if the report covers more than 180 days' example: true consolidatedAvailableBalance: type: number description: The sum of available balance for all of the accounts included in the report example: 1929.57 institutions: type: array items: $ref: '#/components/schemas/ReportInstitution' description: A list of institution records, including information about the individual accounts in this report assets: $ref: '#/components/schemas/PrequalificationReportAssetSummary' PayStatementReportConstraints: required: - paystatementReport type: object properties: paystatementReport: $ref: '#/components/schemas/PayStatementData' reportCustomFields: $ref: '#/components/schemas/ReportCustomFields' TransactionalPeriod: description: Statistics for one period in the report of a TransactionalAttribute. properties: count: description: Count of data points during the period example: 2 type: integer endDate: description: End date for the period being reported example: '2023-01-01' format: date type: string max: description: Maximum amount during the period example: 60.21 type: number mean: description: Mean of amounts during the period example: 42.22 type: number median: description: Median of amounts during the period example: 42.22 type: number min: description: Minimum amount during the period example: 30.22 type: number standardDeviation: description: Standard deviation of amounts during the period example: 14.995 type: number startDate: description: Start date for the period being reported example: '2022-12-01' format: date type: string sum: description: Sum of amounts during the period example: 90.43 type: number required: - startDate - endDate - count type: object PortfolioId: type: string description: A unique identifier that will be consistent across all reports created for the same customer example: y4zsgccj4xpw-6-port AnnualIncome: required: - year - grossPayAmountYTD type: object properties: year: type: string description: The year for the amounts given in YTD totals for an employer example: 2022 grossPayAmountYTD: type: number description: Year to date (YTD) gross pay amount for the indicated year example: 123.45 netPayAmountYTD: type: number description: Year to date (YTD) net pay amount for the indicated year example: 123.45 basePayAmountYTD: type: number description: Year to date (YTD) base pay amount for the year indicated example: 123.45 overtimePayAmountYTD: type: number description: Year to date (YTD) overtime pay amount for the year indicated example: 123.45 otherPayAmountYTD: type: number description: Year to date (YTD) other pay amount for the indicated year. Other pay is pay that is not categorized into one of the other categories. example: 123.45 commissionPayAmountYTD: type: number description: Year to date (YTD) commission pay amount for the indicated year example: 123.45 PrequalificationReportConstraintsOut: type: object properties: accountIds: $ref: '#/components/schemas/ReportAccountIds' reportCustomFields: $ref: '#/components/schemas/ReportCustomFields' showNsf: $ref: '#/components/schemas/ShowNsf' fromDate: $ref: '#/components/schemas/UnixDate' IncomeStreamConfidenceMinimum: type: integer description: Include income streams in the report, based on the income stream's confidence score. For example, Use the value 50 to include only income streams with a confidence score of 50 or higher. format: int32 example: 50 CashFlowCashFlowDebit: required: - monthlyCashFlowDebits type: object properties: monthlyCashFlowDebits: type: array items: $ref: '#/components/schemas/CashFlowMonthlycashflowDebits' description: List of attributes for each month twelveMonthDebitTotal: type: number description: Sum of all monthly debit transactions for each month by account example: 1200 twelveMonthDebitTotalLessTransfers: type: number description: Sum of all monthly debit transactions without transfers for the account example: 1000 sixMonthDebitTotal: type: number description: Six month sum of all debit transactions example: 750 sixMonthDebitTotalLessTransfers: type: number description: Six month sum of all debit transactions without transfers for the account example: 500 twoMonthDebitTotal: type: number description: Two month sum of all debit transactions example: 150 twoMonthDebitTotalLessTransfers: type: number description: Two month sum of all debit transactions without transfers for the account example: 100 IncludePending: type: boolean description: If pending transactions must be included example: true default: false PhoneNumber: type: string description: A phone number (max length 15). example: 1-801-984-4200 TimeIntervalTypeEnum: description: Possible values for strategies in which attributes may be aggregated and reported across varying time intervals. Allowed Values - MONTHLY_CALENDAR - MONTHLY_ROLLING_30 example: MONTHLY_CALENDAR type: string default: MONTHLY_CALENDAR PaymentRiskInsightsReportAck: required: - id - customerType - customerId - requestId - requesterName - createdDate - title - type - status - reportPin - constraints allOf: - $ref: '#/components/schemas/BaseReportAck' - type: object properties: reportPin: $ref: '#/components/schemas/ReportPin' constraints: $ref: '#/components/schemas/PaymentRiskInsightsReportConstraints' SocialSecurityNumberLastDigits: type: string description: Last 4 digits of a SSN example: '9999' VOIEPayrollReport: description: A VOIE Payroll report type: object allOf: - $ref: '#/components/schemas/BaseReportAckWithPortfolioId' - type: object properties: employmentHistory: type: array items: $ref: '#/components/schemas/PayrollEmploymentHistoryVOIE' description: An array of employment histories, one for each of the consumer's verified employers gseEnabled: $ref: '#/components/schemas/GseEnabled' reportStyle: $ref: '#/components/schemas/ReportStyle' AFBalanceAnalyticsReport: description: A Balance Analytics Report type: object allOf: - $ref: '#/components/schemas/AnalyticsReportAck' - type: object properties: startDate: $ref: '#/components/schemas/ReportStartDate' endDate: $ref: '#/components/schemas/ReportEndDate' days: type: integer description: Number of days covered by the report example: 730 seasoned: type: boolean description: '"true" if the report covers more than 365 days' example: true institutions: type: array items: $ref: '#/components/schemas/ReportInstitution' description: A list of institution records, including information about the individual accounts used in this report customerAnalytics: $ref: '#/components/schemas/CustomerAnalytics' CashFlowMonthlyCashFlowDebitSummaries: required: - month - numberOfDebits - totalDebitsAmount - largestDebit - numberOfDebitsLessTransfers - totalDebitsAmountLessTransfers - averageDebitAmount type: object properties: month: type: integer description: One instance for each complete calendar month in the report format: int64 example: 1512111600 numberOfDebits: type: string description: Number of Debits by month across all accounts example: '1500' totalDebitsAmount: type: number description: Total Amount of Debits by month across all accounts example: -12345.46 largestDebit: type: number description: Largest Debit by month example: -20000 numberOfDebitsLessTransfers: type: string description: Number of Debits by month (less transfers) example: '5' totalDebitsAmountLessTransfers: type: number description: Total amount of debits by month (less transfers) example: -2000 averageDebitAmount: type: number description: The average debit amount example: 500 EmploymentId: type: string description: This is a Mastercard assigned ID to the employment record. It remains consistent for that employment record, even if the report is refreshed. It can be used to limit the employment records that are returned in the report. example: 123v3bv2s5n ReportStartDate: type: integer description: 'The `postedDate` of the earliest transaction analyzed for the report. A date in Unix epoch time (in seconds). See: [Handling Epoch Dates and Times](https://developer.mastercard.com/open-finance-us/documentation/errors/best-practices/).' format: int64 example: 1607450357 PayStat: type: object properties: name: type: string description: The normalized category of the earnings with a number appended. The number is the will be the iterating number of the type's occurrence starting at one. example: regular 1 type: $ref: '#/components/schemas/PayStatEarningsCategorizationType' description: type: string description: The earnings line's pay type description example: regular income rate: type: number description: The rate for the earning line paid out to the employee for the specified pay period. example: 10.0 units: type: number description: The units for the earning line paid out to the employee for the specified pay period. example: 60.0 amountCurrent: type: number description: The amount for the earning line paid out to the employee for the specified pay period. example: 6000 amountYTD: type: number description: The amount for the earning line being paid out to the employee for the current pay year. example: 18000 PaymentRiskInsightsReport: description: A Payment Risk Insights Report type: object allOf: - $ref: '#/components/schemas/PaymentRiskInsightsReportAck' - type: object properties: businessDetails: $ref: '#/components/schemas/BusinessDetails' startDate: $ref: '#/components/schemas/ReportStartDate' endDate: $ref: '#/components/schemas/ReportEndDate' days: type: integer description: Number of days covered by the report example: 730 seasoned: type: boolean description: '"true" if the report covers more than 365 days' example: true institutions: type: array items: $ref: '#/components/schemas/ReportInstitution' description: A list of institution records, including information about the individual accounts used in this report customerAnalytics: $ref: '#/components/schemas/CustomerAnalytics' StreamModel: description: Describes a history of repeated transactions between the same parties. properties: cadence: description: Number of days that occur between each transaction in the stream example: 30 type: integer id: description: Stream Id assigned to identified Stream example: '1' type: string payee: description: The party in the transaction that is receiving the funds example: Walmart type: string payor: description: The party in the transaction that is sending the funds example: Elizabeth Johnson type: string recency: description: Number of days since the last transaction occurred in the stream example: 2 type: integer transactionIds: description: List of Transaction IDs that comprise the stream example: - '6010290887' - '6010290914' items: type: string type: array required: - id - payor - payee - cadence - recency - transactionIds type: object ReportTransaction: type: object allOf: - $ref: '#/components/schemas/ReportTransactionBase1' - $ref: '#/components/schemas/ReportTransactionBase2' TxVerifyInterview: required: - assetId type: object properties: assetId: $ref: '#/components/schemas/AssetId' accounts: $ref: '#/components/schemas/ReportAccountIds' PayrollEmployeeAddress: type: object properties: address1: type: string description: Employee address as stated by the employer in the payroll system example: Address 1 city: type: string description: Employee city as stated by the employer in the payroll system example: City state: type: string description: Employee state as stated by the employer in the payroll system example: TX zip: type: string description: Employee zip code as stated by the employer in the payroll system example: '99999' PayrollDataOut: type: object properties: payrollDataRetrievalId: $ref: '#/components/schemas/PayrollDataRetrievalId' payrollAggregatorResponseId: $ref: '#/components/schemas/PayrollDataRetrievalId' consentMethod: type: string description: Client-collected consent payroll report tagging. example: Written Generic - Finicity Set employmentIds: type: array description: An array of employmentIds items: $ref: '#/components/schemas/EmploymentId' payrollAccountIds: type: array description: An array of payrollAccountIds items: $ref: '#/components/schemas/PayrollAccountId' reportId: $ref: '#/components/schemas/ReportId' PayrollVOIEIncomeRecord: type: object properties: payFrequency: $ref: '#/components/schemas/PayFrequency' payType: type: string description: 'The current pay type: * `Salary` * `Hourly` * `Daily` ' example: Daily basePayRate: type: number description: The current base or regular pay rate. Please use in conjunction with the `basePayRateUnit` field. example: 1234.56 basePayRateUnit: type: string description: 'Unit for the base pay rate: * `Hourly` * `Daily` * `Weekly` * `Bi-Weekly` * `Semi-Monthly` * `Monthly` * `Quarterly` * `Semi-Annual` * `Annual` * `Every 2.6 wks` * `Every 5.2 wks` * `Other` ' example: Annual oldestPayStatementAvailable: type: string description: The date of the oldest direct pay statement available from the payroll source, as measured by the oldest `payDate` from all the pay statements delivered. example: 1527832900 annualIncome: type: array items: $ref: '#/components/schemas/AnnualIncome' description: 'The annual pay for the current year, through prior year 2 (as available) This is a mandatory field only for VOIE-payroll report type.' monthlyIncome: $ref: '#/components/schemas/MonthlyIncome' directPayStatements: type: array items: $ref: '#/components/schemas/DirectPayStatements' description: An array of payment histories for each available paycheck FindTransactionConstraints: description: Parameters used to return transactions matching the given criteria. The presence of multiple parameters will be treated as an **AND** function. type: object properties: findTransactionDescriptionMemo: $ref: '#/components/schemas/FindTransactionDescriptionMemo' findTransactionAmountFrom: $ref: '#/components/schemas/FindTransactionAmountFrom' findTransactionAmountTo: $ref: '#/components/schemas/FindTransactionAmountTo' findTransactionCategory: $ref: '#/components/schemas/FindTransactionCategory' CashFlowCashFlowBalance: required: - monthlyCashFlowBalances - minDailyBalance - maxDailyBalance - twelveMonthAverageDailyBalance - sixMonthAverageDailyBalance - twoMonthAverageDailyBalance - twelveMonthStandardDeviationOfDailyBalance - twoMonthStandardDeviationOfDailyBalance - numberOfDaysPositiveBalance type: object properties: monthlyCashFlowBalances: type: array items: $ref: '#/components/schemas/CashFlowMonthlyCashFlowBalances' description: List of attributes for each month minDailyBalance: type: number description: Min daily balance across entire transaction history example: 3479.39 maxDailyBalance: type: number description: Max Daily Balance across entire transaction history example: 3479.39 twelveMonthAverageDailyBalance: type: number description: Average Daily Balance across twelve months for the account example: 3479.39 sixMonthAverageDailyBalance: type: number description: Average Daily Balance across six months for the account example: 3479.39 twoMonthAverageDailyBalance: type: number description: Average Daily Balance across two months for the account example: 3479.39 twelveMonthStandardDeviationOfDailyBalance: type: string description: Standard Deviation of Daily Balance across twelve months for the account example: '20' sixMonthStandardDeviationOfDailyBalance: type: string description: Standard Deviation of Daily Balance across six months for the account example: '20' twoMonthStandardDeviationOfDailyBalance: type: string description: Standard Deviation of Daily Balance across two months for the account example: '20' numberDaysNegativeBalance: type: string description: Number of Days Negative Balance over entire transaction history example: '6' numberOfDaysPositiveBalance: type: string description: Number of Days positive balance over entire transaction history example: '0' SortObject: type: object description: Sorting information for the results properties: unsorted: type: boolean description: Indicates if the results are not sorted example: false sorted: type: boolean description: Indicates if the results are sorted example: true empty: type: boolean description: Indicates if no sorting criteria was specified example: false BusinessName: type: string description: The name of a business example: ABC Tires Inc ForesightAnalyticsReportConstraints: type: object properties: analyticsReportData: $ref: '#/components/schemas/ForesightAnalyticsReportData' accountIds: $ref: '#/components/schemas/ReportAccountIdsString' fromDate: $ref: '#/components/schemas/UnixDate' VOAWithIncomeReportAccount: type: object allOf: - $ref: '#/components/schemas/VOAReportAccount' - type: object properties: incomeStreams: type: array items: $ref: '#/components/schemas/VOAIReportIncomeStream' description: A list of income stream records BillingResellerReport: type: object description: Paginated billing report data for reseller partners properties: totalPages: type: integer description: The total number of pages available example: 10 totalElements: type: integer description: The total number of billing report elements across all pages example: 100 numberOfElements: type: integer description: The number of elements in the current page example: 10 pageable: $ref: '#/components/schemas/PageableObject' sort: $ref: '#/components/schemas/SortObject' number: type: integer description: The current page number (zero-based index) example: 0 first: type: boolean description: Indicates if this is the first page example: true last: type: boolean description: Indicates if this is the last page example: false size: type: integer description: The number of elements requested per page example: 10 content: type: array description: The list of billing report entries for the current page items: $ref: '#/components/schemas/BillingReport' empty: type: boolean description: Indicates if the current page has no content example: false CadenceDetails: type: object properties: startDate: type: integer description: '`postedDate` of the first deposit transaction' format: int64 example: 1577986990 stopDate: type: integer description: '`postedDate` of the final deposit transaction (omitted if status is active)' format: int64 example: 1587986990 days: type: integer description: Number of days between the recurring deposits format: int32 example: 14 PayrollProviderName: type: string description: The name of the provider who provides payroll data to payroll source example: Paychex PayrollReportConstraintsOut: required: - payrollData type: object properties: payrollData: $ref: '#/components/schemas/PayrollDataOut' reportCustomFields: $ref: '#/components/schemas/ReportCustomFields' payStatementsFromDate: $ref: '#/components/schemas/UnixDate' AnalyticsReportConstraintsOut: type: object properties: analyticsReportData: $ref: '#/components/schemas/AnalyticsReportData' accountIds: $ref: '#/components/schemas/ReportAccountIds' reportCustomFields: $ref: '#/components/schemas/ReportCustomFields' fromDate: $ref: '#/components/schemas/UnixDate' PayrollEmploymentHistoryVOE: required: - asOfDate - employerName - payrollSource - employee - employment - income type: object properties: asOfDate: $ref: '#/components/schemas/AsOfDate' employerName: $ref: '#/components/schemas/EmployerName' payrollSource: type: string description: The name of the payroll source where the data was retrieved example: finPayroll payrollProvider: $ref: '#/components/schemas/PayrollProviderName' employee: $ref: '#/components/schemas/PayrollEmployeeRecord' employment: $ref: '#/components/schemas/PayrollEmploymentRecord' income: $ref: '#/components/schemas/PayrollVOEIncomeRecord' VOIEPaystubWithStatementPayStatement: type: object allOf: - $ref: '#/components/schemas/PayStatementForVoie' - type: object properties: monthlyIncome: $ref: '#/components/schemas/PaystubTxVerifyMonthlyIncomeRecord' ActiveStatus: description: 'Possible values: "ACTIVE", "INACTIVE"' type: string example: ACTIVE Lender: type: object properties: purpose: $ref: '#/components/schemas/PurposeCode' StatementData: required: - accountId type: object properties: accountId: $ref: '#/components/schemas/NumericAccountId' statementIndex: type: integer description: Index of the statement to include in the report. Request statements from 1-24. By default, 1 is the most recent statement. Increase the index value to count back (by month) and retrieve its most recent statement. format: int32 example: 1 default: 1 maximum: 24 ReportAccountIdsString: type: string description: A whitespace-separated list of account IDs to be included in the report (all accounts will be included if not set) example: 5011648377 5011648378 5011648379 BusinessDetails: description: Business details associated with a Payment Risk Insights report. type: object required: - name - address properties: businessId: $ref: '#/components/schemas/BusinessId' name: $ref: '#/components/schemas/BusinessName' address: type: object description: Business address where the business is registered/located. properties: addressLine1: $ref: '#/components/schemas/BusinessAddressLine1' addressLine2: $ref: '#/components/schemas/BusinessAddressLine2' city: $ref: '#/components/schemas/City' state: $ref: '#/components/schemas/State' country: $ref: '#/components/schemas/Country' postalCode: $ref: '#/components/schemas/ZipCode' PayrollEmployeeRecord: required: - name type: object properties: name: type: string description: 'Full name of the employee: first, middle (if stated), and last name' example: John Doe Smith givenName: type: string description: First name of employee example: John middleName: type: string description: Middle name of employee, if stated example: Doe familyName: type: string description: Last name of employee example: Smith address: type: array items: $ref: '#/components/schemas/PayrollEmployeeAddress' description: Array of addresses AccountCurrency: type: string description: A currency code for account example: USD BaseReportAck: description: Properties shared by all generated reports type: object properties: id: $ref: '#/components/schemas/ReportId' customerType: $ref: '#/components/schemas/CustomerType' customerId: $ref: '#/components/schemas/NumericCustomerId' requestId: $ref: '#/components/schemas/ReportRequestId' requesterName: $ref: '#/components/schemas/PartnerName' endUser: $ref: '#/components/schemas/ConsumerEndUser' createdDate: $ref: '#/components/schemas/ReportCreatedDate' title: $ref: '#/components/schemas/ReportTitle' consumerId: $ref: '#/components/schemas/ConsumerId' consumerSsn: $ref: '#/components/schemas/SocialSecurityNumberLastDigits' consumerDetails: $ref: '#/components/schemas/ConsumerDetails' disputeStatement: $ref: '#/components/schemas/DisputeStatement' type: $ref: '#/components/schemas/ReportType' status: $ref: '#/components/schemas/ReportStatus' constraints: anyOf: - $ref: '#/components/schemas/AnalyticsReportConstraintsOut' - $ref: '#/components/schemas/ForesightAnalyticsReportConstraints' - $ref: '#/components/schemas/CashFlowReportConstraintsOut' - $ref: '#/components/schemas/VOIEWithTXVerifyReportConstraintsOut' - $ref: '#/components/schemas/VOIEReportConstraints' - $ref: '#/components/schemas/StatementReportConstraints' - $ref: '#/components/schemas/TransactionsReportConstraintsOut' - $ref: '#/components/schemas/VOAReportConstraintsOut' - $ref: '#/components/schemas/VOAWithIncomeReportConstraintsOut' - $ref: '#/components/schemas/PrequalificationReportConstraintsOut' - $ref: '#/components/schemas/VOIReportConstraintsOut' - $ref: '#/components/schemas/PayrollReportConstraintsOut' - $ref: '#/components/schemas/VOETransactionsReportConstraintsOut' - $ref: '#/components/schemas/PayStatementReportConstraints' errors: description: In case errors occurred during the report generation type: array items: $ref: '#/components/schemas/ErrorMessage' CustomerId: type: string description: A customer ID. See Add Customer API for how to create a customer ID. example: '1005061234' ReportTransactionNewTxBased: type: object allOf: - $ref: '#/components/schemas/ReportTransactionBase1' - type: object properties: investmentTransactionType: type: string description: 'Keywords in the description and memo fields were used to translate investment transactions into these types * `cancel` * `purchaseToClose` * `purchaseToCover` * `contribution` * `optionExercise` * `optionExpiration` * `fee` * `soldToClose` * `soldToOpen` * `split` * `transfer` * `returnOfCapital` * `income` * `purchased` * `sold` * `dividendReinvest` * `dividend` * `reinvestOfIncome` * `interest` * `deposit` * `otherInfo` ' example: dividend - $ref: '#/components/schemas/ReportTransactionBase2' City: type: string description: City example: Murray SecurityFreezeErrorMessage: required: - code - message type: object properties: code: type: integer description: 'An error code for security freeze. Useful links: [API Errors](https://developer.mastercard.com/open-finance-us/documentation/errors/), [Aggregation Status Codes](https://developer.mastercard.com/open-finance-us/documentation/products/manage/aggregation-status-codes/).' format: int32 example: 10405 status: type: string description: A status code example: '403' message: type: string description: An error message example: The active security freeze for this consumer exists. PageableObject: type: object description: Pagination information for the request properties: paged: type: boolean description: Indicates if the results are paginated example: true unpaged: type: boolean description: Indicates if the results are not paginated example: false pageNumber: type: integer description: The current page number (zero-based index) example: 0 pageSize: type: integer description: The number of elements per page example: 10 sort: $ref: '#/components/schemas/SortObject' offset: type: integer description: The offset position from the beginning of the dataset example: 0 EndUserUrl: type: string description: Reseller end user URL minLength: 2 maximum: 999 example: testurl.com ExternalCustomerId: type: string description: External Customer ID is a unique identifier assigned to the customer by the data holder. This field allows you to map the customer (and transactions) back to your dataset and to provide the link to Mastercard's dataset that was requested to be enriched. This ID must be obfuscated through cryptographically strong hashing using SHA-2 or SHA-3 methods. Do not send plaintext ids to Mastercard. Provide this identifier if you want the Mastercard enriched dataset to be used as input to this report. minLength: 1 maxLength: 100 example: '1005061234' NumericCustomerId: type: integer format: int64 description: A customer ID represented as a number. See Add Customer API for how to create a customer ID. example: 1005061234 ForesightAnalyticsReportFirstThirdPartyConstraints: allOf: - $ref: '#/components/schemas/ForesightAnalyticsReportConstraints' - type: object properties: customerId: $ref: '#/components/schemas/NumericCustomerId' externalCustomerId: $ref: '#/components/schemas/ExternalCustomerId' BaseReportAckWithPortfolioId: description: Properties shared by all generated reports having a portfolio ID allOf: - $ref: '#/components/schemas/BaseReportAck' - type: object properties: portfolioId: $ref: '#/components/schemas/PortfolioId' PayrollEmployerAddress: type: object properties: address1: type: string description: Employer address as stated by the employer in the payroll system example: Address 1 city: type: string description: Employer city as stated by the employer in the payroll system example: City state: type: string description: Employer state as stated by the employer in the payroll system example: TX zip: type: string description: Employer zip code as stated by the employer in the payroll system example: '99999' ReportSummary: required: - id - requestId - requesterName - createdDate - type - status properties: id: $ref: '#/components/schemas/ReportId' requestId: $ref: '#/components/schemas/ReportRequestId' requesterName: $ref: '#/components/schemas/PartnerName' createdDate: $ref: '#/components/schemas/UnixDate' consumerId: $ref: '#/components/schemas/ConsumerId' consumerSsn: $ref: '#/components/schemas/SocialSecurityNumberLastDigits' type: $ref: '#/components/schemas/ReportType' status: $ref: '#/components/schemas/ReportStatus' VOETransactionsReportIncomeStream: type: object required: - id - name - status - estimateInclusion - confidence - cadence - daysSinceLastTransaction - nextExpectedTransactionDate - transactions properties: id: type: string description: Income stream ID example: dens28i3vsch-voah name: type: string description: A human-readable name based on the `normalizedPayee` name of the transactions for this income stream example: none status: $ref: '#/components/schemas/ActiveStatus' estimateInclusion: $ref: '#/components/schemas/EstimateInclusion' confidence: type: integer description: 'Level of confidence that the deposit stream represents income (example: 85%)' format: int32 example: 70 cadence: $ref: '#/components/schemas/CadenceDetails' daysSinceLastTransaction: type: integer description: The number of days since the last credit transaction for the particular income stream format: int32 example: 15 nextExpectedTransactionDate: type: integer description: The next expected credit transaction date for the particular income stream, based on the cadence format: int64 example: 1572625469 incomeStreamMonths: type: integer description: The number of months the income transactions are observed format: int32 example: 18 transactions: type: array items: $ref: '#/components/schemas/ReportTransaction' description: A list of transaction records ReportPin: type: string description: A unique key returned per report for consumer Portal example: 2398jk ReportEndDate: type: integer description: 'The `postedDate` of the latest transaction analyzed for the report. A date in Unix epoch time (in seconds). See: [Handling Epoch Dates and Times](https://developer.mastercard.com/open-finance-us/documentation/errors/best-practices/).' format: int64 example: 1607450357 VOIEPaystubWithTXVerifyReport: description: A VOIE Paystub With TXVerify report type: object allOf: - $ref: '#/components/schemas/BaseReportAckWithPortfolioId' - type: object properties: assetIds: type: array items: $ref: '#/components/schemas/AssetId' description: The pay statements included in the report numberOfBillableAssets: type: integer description: Total number of billable pay statements included in the report format: int32 example: 1 payStatements: type: array items: $ref: '#/components/schemas/VOIEPaystubWithStatementPayStatement' description: Extracted pay statement details, and the transaction matching summary institutions: type: array items: $ref: '#/components/schemas/ReportInstitution' description: The details of the financial institution accounts included in the report. MiddleName: type: string description: The middle name of the account holder example: L StatementReportConstraints: required: - statementReportData type: object properties: statementReportData: $ref: '#/components/schemas/StatementData' reportCustomFields: $ref: '#/components/schemas/ReportCustomFields' Employee: type: object properties: name: type: string description: The name of the employee example: Patrick Purchaser address1: type: string description: Employee address as stated by the employer in the payroll system example: Address 1 address2: type: string description: Employee address as stated by the employer in the payroll system example: Address 2 city: type: string description: Employee city as stated by the employer in the payroll system example: City state: type: string description: Employee state as stated by the employer in the payroll system example: TX zip: type: string description: Employee zip code as stated by the employer in the payroll system example: '99999' CashFlowPossibleLoanDepositsAccount: required: - id - ownerName - ownerAddress - name - number - type - aggregationStatusCode - currentBalance - availableBalance - balanceDate - transactions type: object properties: id: type: string description: Finicity account ID example: '6681984' ownerName: $ref: '#/components/schemas/ReportAccountOwnerName' ownerAddress: $ref: '#/components/schemas/ReportAccountOwnerAddress' ownerAsOfDate: $ref: '#/components/schemas/ReportAccountOwnerAsOfDate' name: type: string description: The account name from the institution example: Checking number: type: string description: 'Account number provided by the financial institution. The format varies depending on the institution. Some digits may be masked. If an ACH number is needed, call the ACH endpoints. Below is a non-exhaustive list of examples for the `number` field. * 8089258 * 103275057=01 * 2000004444' example: '201940541' type: type: string description: 'CFR: `ALL` (`checking` / `savings` / `loan` / `mortgage` / `credit card` / `CD` / `MM` / `investment`...)' example: checking aggregationStatusCode: type: integer description: The status of the most recent aggregation attempt for this account (non-zero means the account was not accessed successfully for this report, and additional fields for this account may not be reliable) example: 0 currentBalance: type: number description: The cleared balance of the account as-of `balanceDate` example: 100000 availableBalance: type: number description: Available balance example: 1000 balanceDate: type: integer description: A timestamp showing when the `balance` was captured format: int64 example: 1614880526 transactions: type: array items: $ref: '#/components/schemas/ReportTransaction' description: a list of transaction records VOEPayrollReport: description: A VOE Payroll report type: object allOf: - $ref: '#/components/schemas/BaseReportAckWithPortfolioId' - type: object properties: employmentHistory: type: array items: $ref: '#/components/schemas/PayrollEmploymentHistoryVOE' description: An array of employment histories, one for each of the consumer's verified employers gseEnabled: $ref: '#/components/schemas/GseEnabled' PayrollDataRetrievalId: type: string description: An ID to identify the data retrieved from the payroll providers for the report. example: hahvhe2k0000 CashFlowMonthlyCashFlowBalanceSummaries: required: - month - minDailyBalance - maxDailyBalance - averageDailyBalance - numberOfDaysNegativeBalance - numberOfDaysPositiveBalance type: object properties: month: type: integer description: One instance for each complete calendar month in the report format: int64 example: 1512111600 minDailyBalance: type: number description: Min Daily Balance for each month for all accounts example: 3479.39 maxDailyBalance: type: number description: Max Daily Balance for each month for all accounts example: 3479.39 averageDailyBalance: type: number description: Average Daily Balance for each month for all accounts example: 3479.39 standardDeviationOfDailyBalance: type: string description: Standard Deviation of Daily Balance for each month for all accounts example: '20.45454545' numberOfDaysNegativeBalance: type: string description: Number of Days Negative Balance for each month for all accounts example: '6' numberOfDaysPositiveBalance: type: string description: Number of Days Positive Balance for each month for all accounts example: '0' CashFlowMonthlyCashFlowCharacteristics: required: - month - totalCreditsLessTotalDebits - totalCreditsLessTotalDebitsLessTransfers - averageTransactionAmount type: object properties: month: type: integer description: One instance for each complete calendar month in the report format: int64 example: 1512111600 totalCreditsLessTotalDebits: type: number description: Total Credits - Total Debits by month example: 15000 totalCreditsLessTotalDebitsLessTransfers: type: number description: Total Credits - Total Debits by month (Without Transfers) example: 11000 averageTransactionAmount: type: number description: Average transaction amount by month example: 10 ReportStyle: type: string example: credentialedPayroll description: A report style. Possible values are directAPIPayroll, credentialedPayroll, paystatement, voieWithInterview, voieWithStatement, voieWithReport PayStatementForVoie: required: - billable - assetId - employer - employee - payStat - monthlyIncome - institutions type: object properties: payPeriod: type: string description: The pay period of the pay statement example: LastPayPeriod billable: type: boolean description: This will display true if the pay statement is billable. If a pay statement has been digitized previously, this will display as false as it will not be billable. example: true assetId: type: string description: The asset ID of the stored pay statement example: 6f8fb0a0-e882-4f57-b672-cf53f1397581 payDate: type: integer description: The listed pay date for the pay statement format: int64 example: 1559241000 startDate: type: integer description: The beginning of the pay period format: int64 example: 1557513000 endDate: type: integer description: The end of the pay period format: int64 example: 1558722600 netPayCurrent: type: number description: The total pay after deductions for the employee for the current pay period example: 1802.22 netPayYTD: type: number description: The total accumulation of pay after deductions for the employee for the current pay year example: 36000 grossPayCurrent: type: number description: The total pay before deductions for the employee for the current pay period example: 24200 grossPayYTD: type: number description: The total accumulation of pay before deductions for the employee for the current pay year example: 72600 payrollProvider: type: string description: The payroll provider extracted from the pay statement example: Finicity employer: $ref: '#/components/schemas/Employer' employee: $ref: '#/components/schemas/Employee' payStat: type: array items: $ref: '#/components/schemas/PayStat' description: Information pertaining to the earnings on the pay statement directDeposits: type: array items: $ref: '#/components/schemas/DirectDeposit' description: Information pertaining to the direct deposits on the pay statement institutions: type: array items: type: string description: Not populated for the voieWithStatement style of paystub report. For the VOIE - Paystub (with TXVerify) reports this would include details of the financial institution accounts and income streams with matching transactions to the pay statement. example: [] errorCode: type: integer description: Error code for the asset format: int32 example: 0 errorMessage: type: string description: Error message for the asset example: Some error message CashFlowReportConstraintsOut: type: object properties: accountIds: $ref: '#/components/schemas/ReportAccountIds' reportCustomFields: $ref: '#/components/schemas/ReportCustomFields' showNsf: $ref: '#/components/schemas/ShowNsf' fromDate: $ref: '#/components/schemas/UnixDate' incomeStreamConfidenceMinimum: $ref: '#/components/schemas/IncomeStreamConfidenceMinimum' ReportInstitution: required: - id - name - urlHomeApp type: object properties: id: $ref: '#/components/schemas/NumericInstitutionId' name: type: string description: Finicity institution name example: FinBank Profiles urlHomeApp: type: string description: The URL of the Financial Institution example: http://www.finbank.com accounts: type: array items: $ref: '#/components/schemas/ReportInstitutionAccount' description: A list of account records FindTransactionAmountFrom: type: number description: 'A decimal value to return transactions with **amount** greater than or equal to **findTransactionAmountFrom**.
- If both **findTransactionAmountFrom** and **findTransactionAmountTo** are present. Then transactions with **amount** between (inclusive) both values will be returned. ' example: 100 VOIReport: description: A VOI report type: object allOf: - $ref: '#/components/schemas/BaseReportAckWithPortfolioId' - type: object properties: startDate: $ref: '#/components/schemas/ReportStartDate' endDate: $ref: '#/components/schemas/ReportEndDate' days: type: integer description: Number of days covered by the report format: int64 example: 200 seasoned: type: boolean description: '"true" if the report covers more than 180 days' example: true institutions: type: array items: $ref: '#/components/schemas/ReportInstitution' description: A list of institution records income: description: Income details type: array items: $ref: '#/components/schemas/ReportIncomeStreamSummary' DirectPayStatements: required: - payrollPayHistoryId - lastPayPeriodIndicator - mainPayStatementFields - earnings type: object properties: payrollPayHistoryId: type: string description: An ID for the income and employment details for the given pay period example: qsrt2hmjnf lastPayPeriodIndicator: type: boolean description: Most recent available pay check example: true mainPayStatementFields: $ref: '#/components/schemas/MainPayStatementFields' earnings: type: array items: $ref: '#/components/schemas/Earnings' description: Categorization of pay, for the pay period deductions: type: array items: $ref: '#/components/schemas/Deductions' description: Deductions from the pay check Deduction: type: object properties: name: type: string description: The normalized category of the deductions in the format [type][number]. The number is the will be the iterating number of the type's occurrence starting at one. example: '401' description: type: string description: The deduction line's deduction type description example: 401k amountCurrent: type: number description: The amount for the deduction line deducted from employee's pay for the specified pay period example: 1744.61 amountYTD: type: number description: The amount for the deduction line being deducted from the employee's pay for the current pay year example: 1744.6 type: type: string description: Categorization based on the deduction line's description example: 401 Deductions CashFlowCashFlowDebitSummary: required: - monthlyCashFlowDebitSummaries - twelveMonthDebitTotal - twelveMonthDebitTotalLessTransfers - sixMonthDebitTotal - sixMonthDebitTotalLessTransfers - twoMonthDebitTotal - twoMonthDebitTotalLessTransfers type: object properties: monthlyCashFlowDebitSummaries: type: array items: $ref: '#/components/schemas/CashFlowMonthlyCashFlowDebitSummaries' description: List of attributes for each month twelveMonthDebitTotal: type: number description: Sum of all monthly debit transactions for each month by account example: -1200 twelveMonthDebitTotalLessTransfers: type: number description: Sum of all monthly debit transactions without transfers for the account example: -1000 sixMonthDebitTotal: type: number description: Six month sum of all debit transactions by account example: -750 sixMonthDebitTotalLessTransfers: type: number description: Six month sum of all debit transactions without transfers for the account example: -500 twoMonthDebitTotal: type: number description: Two month sum of all debit transactions by account example: -150 twoMonthDebitTotalLessTransfers: type: number description: Two month sum of all debit transactions without transfers for the account example: -100 CashFlowCashFlowCharacteristic: required: - monthlyCashFlowCharacteristics - averageMonthlyNet - averageMonthlyNetLessTransfers type: object properties: monthlyCashFlowCharacteristics: type: array items: $ref: '#/components/schemas/CashFlowMonthlyCashFlowCharacteristics' description: List of attributes for each month averageMonthlyNet: type: number description: Average (Total Credits - Total Debits) for the account example: 2350 averageMonthlyNetLessTransfers: type: number description: Average (Total Credits - Total Debits) without transfers for the account example: 1000 twelveMonthTotalNet: type: number description: Sum of all monthly (Total Credits - Total Debits) each month for the account example: 12500 twelveMonthTotalNetLessTransfers: type: number description: Sum of all monthly (Total Credits - Total Debits) without transfers for the account example: 12400 sixMonthAverageTotalCreditsLessTotalDebits: type: number description: 6 Month Average (Total Credits - Total Debits) example: 55555 sixMonthAverageTotalCreditsLessTotalDebitsLessTransfers: type: number description: 6 Month Average (Total Credits - Total Debits) - (Without Transfers) example: 55555 twoMonthAverageTotalCreditsLessTotalDebits: type: number description: 2 Month Average (Total Credits - Total Debits) example: 55555 twoMonthAverageTotalCreditsLessTotalDebitsLessTransfers: type: number description: 2 Month Average (Total Credits - Total Debits) - (Without Transfers) example: 55555 MainPayStatementFields: required: - payDate - grossPayAmount type: object properties: payDate: type: integer description: Pay date for the pay period format: int64 example: 1607450357 startDate: type: integer description: Start date for the pay period format: int64 example: 1607450357 endDate: type: integer description: End date for the pay period format: int64 example: 1607450357 payPeriodHours: type: number description: Sum of all hours worked each week for the pay period example: 39.75 payFrequency: type: string description: 'The current pay frequency, or how often a regular pay check is distributed: * `Daily` * `Weekly` * `Bi-Weekly` * `Semi-Monthly` * `Monthly` * `Quarterly` * `Semi-Annual` * `Annual` * `Every 2.6 wks` * `Every 4 wks` * `Every 5.2 wks` * `Other` ' example: Weekly payType: type: string description: 'Current pay type: * `Salary` * `Hourly` * `Daily` ' example: Hourly grossPayAmount: type: number description: Gross pay amount for the pay period example: 755.25 grossPayAmountYTD: type: number description: Year to date (YTD) gross pay amount at the time of payment example: 4256 netPayAmount: type: number description: Net pay amount for a pay period example: 608.77 netPayAmountYTD: type: number description: Year to date (YTD) net pay amount at the time of payment example: 2345.99 ConsumerEndUser: description: Reseller end user information. This is populated only when the report requires a consumer record to be generated and the consumer object includes end user details. The partner is expected to include endUser details when creating a consumer if the end user of the consumer reports is another entity than the partner generating the report. required: - name - address - city - state - zip - phone type: object properties: name: $ref: '#/components/schemas/FirstName' address: $ref: '#/components/schemas/AddressLine1' city: $ref: '#/components/schemas/City' state: $ref: '#/components/schemas/State' zip: $ref: '#/components/schemas/ZipCode' phone: $ref: '#/components/schemas/PhoneNumber' email: $ref: '#/components/schemas/EmailAddress' url: $ref: '#/components/schemas/EndUserUrl' VOAReportAccount: type: object properties: id: type: integer description: The ID of the account format: int64 example: 1000023996 number: type: string description: 'Account number provided by the financial institution. The format varies depending on the institution. Some digits may be masked. If an ACH number is needed, call the ACH endpoints. Below is a non-exhaustive list of examples for the `number` field. * 8089258 * 103275057=01 * 2000004444' example: '201940541' ownerName: $ref: '#/components/schemas/ReportAccountOwnerName' ownerAddress: $ref: '#/components/schemas/ReportAccountOwnerAddress' ownerAsOfDate: $ref: '#/components/schemas/ReportAccountOwnerAsOfDate' name: type: string description: The account name from the institution example: Checking type: type: string description: 'The list of supported account types. * `checking` * `savings` * `moneyMarket` * `cd` * `investment` * `investmentTaxDeferred` * `employeeStockPurchasePlan` * `ira` * `401k` * `roth` * `403b` * `529` * `rollover` * `ugma` * `utma` * `keogh` * `457` * `401a` * `brokerageAccount` * `educationSavings` * `healthSavingsAccount` * `nonTaxableBrokerageAccount` * `pension` * `profitSharingPlan` * `roth401k` * `sepIRA` * `simpleIRA` * `thriftSavingsPlan` * `variableAnnuity`' example: checking currency: $ref: '#/components/schemas/AccountCurrency' availableBalance: type: number description: The available balance for the account example: 501.24 aggregationStatusCode: type: integer description: The status of the most recent aggregation attempt format: int32 example: 0 balance: type: number description: The cleared balance of the account as-of balanceDate example: 501.24 balanceDate: type: integer description: A timestamp showing when the balance was captured by the FI format: int64 example: 1588350276 averageMonthlyBalance: type: number description: The average monthly balance of this account example: 501.02 totNumberInsufficientFundsFeeDebitTxAccount: type: integer description: The count for the total number of insufficient funds transactions, based on the `fromDate` of the report. format: int64 example: 0 totNumberInsufficientFundsFeeDebitTxOver2MonthsAccount: type: integer description: The count for the total number of insufficient funds transactions for the last two months, based on the `fromDate` of the report. format: int64 example: 0 totNumberDaysSinceMostRecentInsufficientFundsFeeDebitTxAccount: type: integer description: The number of days since the most recent insufficient funds transaction, based on the `fromDate` of the report. format: int64 example: 120 oldestTransactionDate: type: integer description: The oldest transaction date of this account. format: int64 example: 1588350276 maximum: 2147483647 minimum: 0 transactions: type: array items: $ref: '#/components/schemas/ReportTransactionNewTxBased' description: a list of transaction records details: $ref: '#/components/schemas/AccountDetailsTxBased' position: type: array items: $ref: '#/components/schemas/ReportAccountPosition' asset: $ref: '#/components/schemas/PrequalificationReportAssetSummary' VOIEWithInterviewData: required: - txVerifyInterview type: object properties: txVerifyInterview: description: An array of `TxVerifyInterview` objects type: array items: $ref: '#/components/schemas/TxVerifyInterview' extractEarnings: $ref: '#/components/schemas/ExtractEarnings' extractDeductions: $ref: '#/components/schemas/ExtractDeductions' extractDirectDeposit: $ref: '#/components/schemas/ExtractDirectDeposit' PayFrequency: type: string description: 'The current pay frequency or how often a regular pay check is: * `Daily` * `Weekly` * `Bi-Weekly` * `Semi-Monthly` * `Monthly` * `Quarterly` * `Semi-Annual` * `Annual` * `Every 2.6 wks` * `Every 4 wks` * `Every 5.2 wks` * `Other` * `Unknown` ' example: Weekly StateAttribute: description: 'An attribute which represents some state over time, such as a balance or a calculation, including derivatives, ratios, or projections. Reports the state over the requested time interval(s).' properties: attributeName: description: Name of Attribute as mentioned in Data Dictionary example: NET_CASH_FLOW type: string reportedByTimePeriods: description: List of state values grouped by specified Time Interval items: $ref: '#/components/schemas/StateTimeInterval' type: array required: - attributeName - reportedByTimePeriods type: object TransactionsReport: description: A Transactions report type: object allOf: - $ref: '#/components/schemas/BaseReportAckWithPortfolioId' - type: object properties: startDate: $ref: '#/components/schemas/ReportStartDate' endDate: $ref: '#/components/schemas/ReportEndDate' days: type: integer description: Number of days covered by the report format: int64 example: 174 seasoned: type: boolean description: '"true" if the report covers more than 365 days' example: false institutions: type: array items: $ref: '#/components/schemas/ReportInstitution' description: A list of institution records NumericAccountId: type: integer format: int64 description: An account ID represented as a number example: 5011648377 PayrollEmploymentRecord: required: - employerName - employmentStatusCode - employmentStatusName - workLevelStatus type: object properties: employerName: $ref: '#/components/schemas/EmployerName' legalEntityId: type: string description: Employer identification number (EIN) example: '752760000' originalHireDate: type: integer description: The original hired date of an employee at the company format: int64 example: 1527832800 latestHireDate: type: integer description: If an employee leaves the company and returns later, then the employer states the latest hire date at the company format: int64 example: 1527832800 latestPayPeriodEndDate: type: integer description: The most recent pay period’s end date. format: int64 example: 1596175201 latestPayDate: type: integer description: The most recent pay date from an employer format: int64 example: 1596175200 daysSinceLastPay: type: integer description: The number of days since an employee was last paid format: int32 example: 10 numberPayCadenceWithoutPay: type: integer description: The number of pay cadences an employee has not been paid; determined by the pay frequency format: int32 example: 1 employmentEndDate: type: integer description: The date an employee ended their employment at the company format: int64 example: 1527832800 employmentDuration: type: string description: The length of time an employee has been employed with that employer in ISO 8601 format (e.g. P1Y6M0D) example: P1Y6M0D employerAddress: type: array items: $ref: '#/components/schemas/PayrollEmployerAddress' description: Array of addresses employmentStatusCode: type: string description: '''Status codes: `A` - Active, `NLE` - No Longer Employed, `L` - Leave, `O` - Other'', `I` - Inactive, `U` - Unknown''' example: A employmentStatusName: type: string description: '''Status name: `Active`, `No Longer Employed`, `Leave` or `Other`, `Inactive`, or `Unknown`''' example: Active derivedEmploymentStatus: type: boolean description: Describes the employment status - it will be true if it is not directly stated by the employer, and false otherwise example: true workLevelCode: type: string description: The abbreviate code for the employment level names (workLevelName) that we receive from the employer example: FT workLevelName: type: string description: The employment level name is whatever we receive from the employer, such as full time, part time, temp, contractor, and more example: Full Time-Regular workLevelStatus: type: string description: 'The categorized work level status. Enumerations are: * `Temporary` * `Seasonal` * `Retired` * `Student` * `Full Time` * `Part Time` * `Unspecified` This is a new field, currently enabled only for testing reports. It will be added for all reports in August 2021. ' example: Full Time positionTitle: type: string description: Employee job title example: Shift Supervisor positionDuration: type: string description: The length of time an employee has been employed at their current or latest position for this employment in ISO 8601 format (eg P1Y6M0D) example: P1Y6M0D ForesightAnalyticsReportAck: required: - id - customerType - customerId - requestId - requesterName - createdDate - title - type - status - reportPin - constraints allOf: - $ref: '#/components/schemas/BaseReportAck' - type: object properties: reportPin: $ref: '#/components/schemas/ReportPin' constraints: $ref: '#/components/schemas/ForesightAnalyticsReportConstraints' VOIEReportConstraints: required: - voieWithStatementData type: object properties: voieWithStatementData: $ref: '#/components/schemas/VOIEWithStatementData' reportCustomFields: $ref: '#/components/schemas/ReportCustomFields' description: The request details from the report generation that were used to generate the report GseEnabled: type: boolean description: 'Mastercard Open Finance internal use only to flag reports that should not be retrieved by the GSE''s (Government-Sponsored Enterprise). This is a mandatory field for VOE-payroll and VOIE-payroll report types.' example: true ExtractEarnings: type: boolean description: Field to indicate whether to extract the earnings on all pay statements default: true example: true VOETransactionsReportAccount: type: object properties: id: type: integer description: The ID of the account format: int64 example: 1000023996 number: type: string description: 'Account number provided by the financial institution. The format varies depending on the institution. Some digits may be masked. If an ACH number is needed, call the ACH endpoints. Below is a non-exhaustive list of examples for the `number` field. * 8089258 * 103275057=01 * 2000004444' example: '201940541' ownerName: $ref: '#/components/schemas/ReportAccountOwnerName' ownerAddress: $ref: '#/components/schemas/ReportAccountOwnerAddress' ownerAsOfDate: $ref: '#/components/schemas/ReportAccountOwnerAsOfDate' name: type: string description: The account name from the institution example: Checking type: type: string description: 'The list of supported account types * `checking` * `savings` * `moneyMarket`' example: checking currency: $ref: '#/components/schemas/AccountCurrency' aggregationStatusCode: type: integer description: The status of the most recent aggregation attempt format: int32 example: 0 incomeStreams: type: array items: $ref: '#/components/schemas/VOETransactionsReportIncomeStream' description: A list of income stream records VOIReportIncomeStream: type: object required: - id - name - status - estimateInclusion - confidence - cadence - transactions properties: id: type: string description: Income stream ID example: dens28i3vsch-voi1 name: type: string description: A human-readable name based on the `normalizedPayee` name of the transactions for this income stream example: none status: $ref: '#/components/schemas/ActiveStatus' estimateInclusion: $ref: '#/components/schemas/EstimateInclusion' confidence: type: integer description: 'Level of confidence that the deposit stream represents income (example: 85%)' format: int32 example: 70 cadence: $ref: '#/components/schemas/CadenceDetails' netMonthly: type: array items: $ref: '#/components/schemas/NetMonthly' description: A list of net monthly records. One instance for each complete calendar month in the report. netAnnual: type: number description: Sum of all values in `netMonthlyIncome` over the previous 12 months example: 110475.7 projectedNetAnnual: type: number description: Projected net income over the next 12 months, across all income streams, based on `netAnnualIncome` example: 0 estimatedGrossAnnual: type: number description: Before-tax gross annual income (estimated from `netAnnual`) across all income stream in the past 12 months example: 12321.1 projectedGrossAnnual: type: number description: Projected gross income over the next 12 months, across all active income streams, based on `projectedNetAnnual` example: 151609 averageMonthlyIncomeNet: type: number description: Monthly average net amount over the previous 12 months example: 9206.31 averageMonthlyIncomeGross: type: number description: Monthly average gross amount over the previous 12 months example: 11300.0 incomeStreamMonths: type: integer description: The number of months the income transactions are observed format: int32 example: 18 transactions: type: array items: $ref: '#/components/schemas/ReportTransaction' description: A list of transaction records Employer: type: object properties: name: type: string description: The name of the employer example: Rocket Surgery address1: type: string description: Employer address as stated by the employer in the payroll system example: Address 1 address2: type: string description: Employer address as stated by the employer in the payroll system example: Address 2 city: type: string description: Employer city as stated by the employer in the payroll system example: City state: type: string description: Employer state as stated by the employer in the payroll system example: TX zip: type: string description: Employer zip code as stated by the employer in the payroll system example: '99999' PaymentRiskInsightsReportData: description: Parameters supplied by the client requesting the analytics. required: - forCraPurpose properties: forCraPurpose: type: boolean description: 'Required field to indicate if the requested report is for CRA or NONCRA. If partner does not pass in a value, the report will not successfully generate and return error "CRA Flag is missing" forCraPurpose = false, to generate a pribnoncra, pribftc and pripnoncra report type forCraPurpose = true, to generate a pribcra and pripcra report type' example: true forFtcPurpose: type: boolean description: 'Optional field to indicate if the requested report is for FTC. For small business lending or other similar business use cases, pass the value as "true" for purposes of this field. If no value is passed, forFtcPurpose = null Partner will pass forFtcPurpose = false, to generate a pribnoncra and pribcra report type Partner will pass forFtcPurpose = null, to generate a pripnoncra and pripcra report type Partner will pass forFtcPurpose = true, to generate a pribftc report type' example: true timeIntervalTypes: description: Requested time interval for attribute values. example: - MONTHLY_CALENDAR maxItems: 2 items: $ref: '#/components/schemas/TimeIntervalType' type: array applicantIsPersonalGuarantor: type: boolean description: 'Optional field to indicate if the business owner will personally guarantee the loan. If true, a consumer record will be required. If partner does not pass in a value, we will assign a default value of "null". Partner will pass applicantIsPersonalGuarantor = false, to generate report type pribnoncra, pribftc Partner will pass applicantIsPersonalGuarantor = null, to generate a pripnoncra, and pripcra or not pass a value for this field Partner will pass applicantIsPersonalGuarantor = true, to generate a pribcra report type' example: true type: object ReportSummaries: required: - reports type: object properties: reports: type: array items: $ref: '#/components/schemas/ReportSummary' description: Data pertaining to each report AccountDetails: type: object properties: interestMarginBalance: type: number description: Only available for investment accounts. Net interest earned after deducting interest paid out. example: -50000 availableCashBalance: type: number description: Only available for investment accounts. Amount available for cash withdrawal. example: 1500 vestedBalance: type: number description: Only available for investment accounts. Vested amount in account. example: 300000 currentLoanBalance: type: number description: Only available for investment accounts. Current loan balance. example: 0 availableBalanceAmount: type: number description: The available balance for the account example: 1000 CashFlowPossibleLoanDeposits: required: - institutions type: object properties: institutions: description: A list of loan deposit institutions type: array items: $ref: '#/components/schemas/CashFlowPossibleLoanDepositsInstitutions' PayrollAccountId: type: string description: "The payrollAccountIds for the Credentialed Payroll accounts the consumer\n has connected. Will be used to constrain the report to only\ninclude the\n specified accounts. Required if the consumer has connected\ntheir\n accounts previously and report generation was intentionally\ndelayed for\n later." example: 018b8f10-fdf8-0ef7-ded5-34a17c34d86f EstimateInclusion: description: 'Possible values: "HIGH", "MODERATE", "LOW", "NO"' type: string example: HIGH EmployerName: type: string description: Name of the employer as stated by the employer in the payroll system example: ACME INC TransactionsReportConstraintsOut: type: object properties: accountIds: $ref: '#/components/schemas/ReportAccountIds' fromDate: $ref: '#/components/schemas/UnixDate' toDate: $ref: '#/components/schemas/UnixDate' includePending: $ref: '#/components/schemas/IncludePending' reportCustomFields: $ref: '#/components/schemas/ReportCustomFields' findTransaction: $ref: '#/components/schemas/FindTransactionConstraints' PaystubMonthlyIncomeRecord: type: object properties: estimatedMonthlyBasePay: type: number description: The estimated monthly base pay amount for the employment from the paystub, calculated by Finicity example: 2000 estimatedMonthlyOvertimePay: type: number description: The estimated monthly overtime pay amount for the employment from the paystub, calculated by Finicity example: 50 estimatedMonthlyBonusPay: type: number description: The estimated monthly bonus pay amount for the employment from the paystub, calculated by Finicity example: 20 estimatedMonthlyCommissionPay: type: number description: The estimated commission bonus pay amount for the employment from the paystub, calculated by Finicity example: 50 ConsumerId: type: string description: A consumer ID. See Create Consumer API for how to create a consumer ID. example: 0bf46322c167b562e6cbed9d40e19a4c VOIEPaystubReport: description: A VOIE Paystub report type: object allOf: - $ref: '#/components/schemas/BaseReportAckWithPortfolioId' - type: object properties: assetIds: type: array items: $ref: '#/components/schemas/AssetId' description: The pay statements included in the report numberOfBillableAssets: type: integer description: Total number of billable pay statements included in the report format: int32 example: 1 payStatements: type: array items: $ref: '#/components/schemas/VOIEPaystubPayStatement' description: Extracted pay statement details, and the transaction matching summary GeoLocation: type: array items: $ref: '#/components/schemas/GeoLocationItems' description: Geolocation array of objects; TimeIntervalType: description: Possible values for strategies in which attributes may be aggregated and reported across varying time intervals. Allowed Values - MONTHLY_CALENDAR - MONTHLY_ROLLING_30 example: MONTHLY_CALENDAR type: string default: MONTHLY_CALENDAR VOAReportConstraintsOut: type: object properties: accountIds: $ref: '#/components/schemas/ReportAccountIds' reportCustomFields: $ref: '#/components/schemas/ReportCustomFields' toDate: $ref: '#/components/schemas/UnixDate' showNsf: $ref: '#/components/schemas/ShowNsf' fromDate: $ref: '#/components/schemas/UnixDate' PrequalificationReportAccount: type: object properties: id: type: integer description: The ID of the account format: int64 example: 1000023996 number: type: string description: 'Account number provided by the financial institution. The format varies depending on the institution. Some digits may be masked. If an ACH number is needed, call the ACH endpoints. Below is a non-exhaustive list of examples for the `number` field. * 8089258 * 103275057=01 * 2000004444' example: '201940541' ownerName: $ref: '#/components/schemas/ReportAccountOwnerName' ownerAddress: $ref: '#/components/schemas/ReportAccountOwnerAddress' ownerAsOfDate: $ref: '#/components/schemas/ReportAccountOwnerAsOfDate' name: type: string description: The account name from the institution example: Checking type: type: string description: 'The list of supported account types. * `checking` * `savings` * `moneyMarket` * `cd` * `investment` * `investmentTaxDeferred` * `employeeStockPurchasePlan` * `ira` * `401k` * `roth` * `403b` * `529` * `rollover` * `ugma` * `utma` * `keogh` * `457` * `401a` * `brokerageAccount` * `educationSavings` * `healthSavingsAccount` * `nonTaxableBrokerageAccount` * `pension` * `profitSharingPlan` * `roth401k` * `sepIRA` * `simpleIRA` * `thriftSavingsPlan` * `variableAnnuity`' example: checking currency: $ref: '#/components/schemas/AccountCurrency' aggregationStatusCode: type: integer description: The status of the most recent aggregation attempt format: int32 example: 0 balance: type: number description: The cleared balance of the account as-of `balanceDate` example: 501.24 balanceDate: type: integer description: A timestamp of the balance format: int64 example: 1588350276 availableBalance: type: number description: Available balance example: 1000 averageMonthlyBalance: type: number description: The average monthly balance of the account example: 501.02 totNumberInsufficientFundsFeeDebitTxAccount: type: integer description: The count for the total number of insufficient funds transactions, based on the `fromDate` of the report format: int32 example: 0 totNumberInsufficientFundsFeeDebitTxOver6MonthsAccount: type: integer description: The total number of insufficient funds fees for the account over six months format: int32 example: 0 totNumberDaysSinceMostRecentInsufficientFundsFeeDebitTxAccount: type: integer description: The total number of days since the most recent insufficient funds fee for the account format: int64 example: 120 transactions: type: array items: $ref: '#/components/schemas/ReportTransaction' description: a list of transaction records asset: $ref: '#/components/schemas/PrequalificationReportAssetSummary' details: $ref: '#/components/schemas/AccountDetails' ReportAccountIds: description: An array of account IDs to be included in the report (all accounts will be included if not set) type: array items: $ref: '#/components/schemas/AccountId' example: - '5011648377' - '5011648378' - '5011648379' ReportIncomeStreamSummary: required: - confidenceType - netMonthly - incomeEstimate type: object properties: confidenceType: $ref: '#/components/schemas/EstimateInclusion' netMonthly: type: array items: $ref: '#/components/schemas/NetMonthly' description: A list of net monthly records. One instance for each complete calendar month in the report. averageMonthlyIncomeNet: type: number description: Monthly average net amount over the previous 12 months example: 9206.31 averageMonthlyIncomeGross: type: number description: Monthly average gross amount over the previous 12 months example: 11300.0 incomeEstimate: $ref: '#/components/schemas/ReportIncomeEstimate' VOAIReportIncomeStream: description: A report income stream record required: - id - name - status - estimateInclusion - confidence - cadence - transactions type: object properties: id: type: string description: Income stream ID example: dens28i3vsch-voah name: type: string description: A human-readable name based on the `normalizedPayee` name of the transactions for this income stream example: none status: $ref: '#/components/schemas/ActiveStatus' estimateInclusion: $ref: '#/components/schemas/EstimateInclusion' confidence: type: integer description: 'Level of confidence that the deposit stream represents income (example: 85%)' format: int32 example: 70 cadence: $ref: '#/components/schemas/CadenceDetails' netMonthly: type: array items: $ref: '#/components/schemas/NetMonthly' description: A list of net monthly records. One instance for each complete calendar month in the report. example: - month: 1522562400 net: 2004.77 gross: 2400.0 netAnnual: type: number description: Sum of all values in `netMonthlyIncome` over the previous 12 months example: 110475.7 projectedNetAnnual: type: number description: Projected net income over the next 12 months, across all income streams, based on `netAnnualIncome` example: 0 estimatedGrossAnnual: type: number description: Before-tax gross annual income (estimated from `netAnnual`) across all income stream in the past 12 months example: 2000.12 projectedGrossAnnual: type: number description: Projected gross income over the next 12 months, across all active income streams, based on `projectedNetAnnual` example: 151609 averageMonthlyIncomeNet: type: number description: Monthly average net amount over the previous 12 months example: 9206.31 averageMonthlyIncomeGross: type: number description: Monthly average gross amount over the previous 12 months example: 11300.0 incomeStreamMonths: type: integer description: The number of months the income transactions are observed format: int32 example: 18 transactions: type: array items: $ref: '#/components/schemas/ReportTransaction' description: A list of transaction records ReportCustomFields: type: array items: $ref: '#/components/schemas/ReportCustomField' description: 'The `reportCustomFields` parameter is used when experiences are associated with a credit decisioning report. Designate up to 5 custom fields that you''d like associated with the report when it''s generated. Every custom field consists of three variables: `label`, `value`, and `shown`. The `shown` variable is "true" or "false". * "true": (default) display the custom field in the PDF report * "false": don''t display the custom field in the PDF report For an experience that generates multiple reports, the `reportCustomFields` parameter gets passed to all reports. All custom fields display in the Reseller Billing API.' ShowNsf: type: boolean description: 'Include the non-sufficient funds (NSF) summary JSON and the NSF summary PDF section in the report. Data included: * Account * Total number of NSF funds * Days since the most recent NFS funds fee' example: false PaystubTxVerifyMonthlyIncomeRecord: type: object properties: estimatedMonthlyBasePay: type: number description: The estimated monthly base pay amount for the employment from the paystub, calculated by Finicity example: 2000 estimatedMonthlyOvertimePay: type: number description: The estimated monthly overtime pay amount for the employment from the paystub, calculated by Finicity example: 50 estimatedMonthlyBonusPay: type: number description: The estimated monthly bonus pay amount for the employment from the paystub, calculated by Finicity example: 20 estimatedMonthlyCommissionPay: type: number description: The estimated commission bonus pay amount for the employment from the paystub, calculated by Finicity example: 50 estimatedMonthlyOtherPay: type: number description: The estimated monthly other pay amount for the employment from the paystub, calculated by Finicity example: 150 estimatedMonthlyTotalPay: type: number description: The estimated monthly total pay amount for the employment from the paystub, calculated by Finicity example: 2120 CustomerAnalytics: type: object required: - transactionalAttributes - stateAttributes - streams description: Analytics and attributes generated at a customer level properties: transactionalAttributes: description: List of calculated transactional attributes items: $ref: '#/components/schemas/TransactionalAttribute' type: array stateAttributes: description: List of calculated state attributes items: $ref: '#/components/schemas/StateAttribute' type: array streams: description: List of generated streams items: $ref: '#/components/schemas/StreamModel' type: array ReportTransactionBase2: type: object properties: normalizedPayee: type: string description: A normalized payee, derived from the transaction's `description` and `memo` fields example: T-Mobile institutionTransactionId: type: string description: The unique identifier given by the FI for each transaction example: '0000000000' category: type: string description: One of the values from Categories (assigned based on the payee name) example: Income type: type: string description: One of the values from transaction types example: debit securityType: type: string description: The type of investment security (VOA only) example: Stock symbol: type: string description: Investment symbol (VOA only) example: DAL commission: description: A commission amount type: number example: 0 Earnings: required: - type - amount type: object properties: name: type: string description: Where available, the employer description of earnings on the paycheck example: bonusPayAmount type: type: string description: 'Categorization of the earnings: * `base` * `bonus` * `overtime` * `commission` * `tips` * `other` ' example: bonus rate: type: number description: Rate of pay example: 19 amount: type: number description: Earnings amount for each earning type example: 589 amountYTD: type: number description: Earnings YTD amount if available example: 14301.25 ReportAccountOwnerName: type: string description: The name(s) of the account owner(s). If the owner information is not available, this field will not appear in the report. If the account has multiple owners then all owners will be listed separated by |. example: PATRICK PURCHASER|LORRAINE PURCHASER VOETransactionsReport: description: A VOE Transactions report type: object allOf: - $ref: '#/components/schemas/BaseReportAckWithPortfolioId' - type: object properties: startDate: $ref: '#/components/schemas/ReportStartDate' endDate: $ref: '#/components/schemas/ReportEndDate' days: type: integer description: Number of days covered by the report example: 120 seasoned: type: boolean description: '"true" if the report covers more than 180 days' example: true institutions: type: array items: $ref: '#/components/schemas/ReportInstitution' description: A list of institution records, including information about the individual accounts used in this report VOAWithIncomeReportConstraintsOut: type: object properties: accountIds: $ref: '#/components/schemas/ReportAccountIds' reportCustomFields: $ref: '#/components/schemas/ReportCustomFields' showNsf: $ref: '#/components/schemas/ShowNsf' fromDate: $ref: '#/components/schemas/UnixDate' incomeFromDate: $ref: '#/components/schemas/VOAIncomeReportIncomeFromDate' voaiPdfDepositView: type: - boolean - 'null' description: Provide an alternate PDF view of deposit transactions group by income stream in PDF. example: true incomeStreamConfidenceMinimum: $ref: '#/components/schemas/IncomeStreamConfidenceMinimum' TransactionId: type: integer description: A transaction ID format: int64 example: 21284820852 ReportRequestId: type: string description: Finicity indicator to track all activity associated with this report example: cjqm4wtdcn CashFlowReport: description: A Cash Flow report type: object allOf: - $ref: '#/components/schemas/BaseReportAckWithPortfolioId' - type: object properties: startDate: $ref: '#/components/schemas/ReportStartDate' endDate: $ref: '#/components/schemas/ReportEndDate' days: type: integer description: Number of days covered by the report example: 730 seasoned: type: boolean description: '"true" if the report covers more than 365 days' example: true institutions: type: array items: $ref: '#/components/schemas/ReportInstitution' description: A list of institution records, including information about the individual accounts used in this report cashFlowBalanceSummary: $ref: '#/components/schemas/CashFlowCashFlowBalanceSummary' cashFlowCreditSummary: $ref: '#/components/schemas/CashFlowCashFlowCreditSummary' cashFlowDebitSummary: $ref: '#/components/schemas/CashFlowCashFlowDebitSummary' cashFlowCharacteristicsSummary: $ref: '#/components/schemas/CashFlowCashFlowCharacteristicsSummary' possibleLoanDeposits: type: array items: $ref: '#/components/schemas/CashFlowPossibleLoanDeposits' description: A possible loan deposits record VOIEPayStatement: type: object properties: payPeriod: type: string description: The pay period of the pay statement example: LastPayPeriod billable: type: boolean description: Designates whether the pay statement is billable example: true assetId: type: string description: The asset ID of the stored pay statement example: 6f8fb0a0-e882-4f57-b672-cf53f1397581 payDate: type: integer description: The listed pay date for the pay statement format: int64 example: 1559241000 startDate: type: integer description: The beginning of the pay period format: int64 example: 1557513000 endDate: type: integer description: The end of the pay period format: int64 example: 1558722600 netPayCurrent: type: number description: The total pay after deductions for the employee for the current pay period example: 1802.22 netPayYTD: type: number description: The total accumulation of pay after deductions for the employee for the current pay year example: 36000 grossPayCurrent: type: number description: The total pay before deductions for the employee for the current pay period example: 24200 grossPayYTD: type: number description: The total accumulation of pay before deductions for the employee for the current pay year example: 72600 payrollProvider: type: string description: The company that provides the pay stub. example: Finicity matchType: type: string description: "The statement match category. Possible values:\n\n * \"NET_PAY_MATCH\"\n\n\n * \"SPLIT_INTERVIEW_AMOUNT_SUM_TO_NET_PAY_MATCH\"\n\n\n * \"SPLIT_DIRECT_DEPOSIT_SUM_TO_NET_PAY_MATCH\"\n\n\n * \"SPLIT_LESS_THAN_NET_PAY_SUM_TO_NET_PAY_MATCH\"\n\n\n * \"PARTIAL\"\n\n\n * \"TRANSACTION_DATE_RANGE_INVALID\"\n\n\n * \"NO_MATCH\"" example: PARTIAL employer: $ref: '#/components/schemas/Employer' employee: $ref: '#/components/schemas/Employee' payStat: type: array items: $ref: '#/components/schemas/PayStat' description: Information pertaining to the earnings on the pay statement deductions: type: array items: $ref: '#/components/schemas/Deduction' description: Information pertaining to deductions on the pay statement directDeposits: type: array items: $ref: '#/components/schemas/DirectDeposit' description: Information pertaining to direct deposits on the pay statement ReportInstitutionAccount: description: An account record type: object anyOf: - $ref: '#/components/schemas/AnalyticsReportsAccount' - $ref: '#/components/schemas/CashFlowReportAccount' - $ref: '#/components/schemas/PrequalificationReportAccount' - $ref: '#/components/schemas/TransactionsReportAccount' - $ref: '#/components/schemas/VOAReportAccount' - $ref: '#/components/schemas/VOAWithIncomeReportAccount' - $ref: '#/components/schemas/VOETransactionsReportAccount' - $ref: '#/components/schemas/VOIReportAccount' - $ref: '#/components/schemas/VOIETXVerifyReportAccount' BillingReport: type: object description: Billing report details for a single report entry properties: reseller: type: string description: The name of the reseller partner example: Acme Partners resellerProvider: type: string description: The provider associated with the reseller example: Mastercard platformProvider: type: string description: The platform provider name example: Finicity customerId: $ref: '#/components/schemas/NumericCustomerId' consumerId: $ref: '#/components/schemas/ConsumerId' consumerSsn: $ref: '#/components/schemas/SocialSecurityNumberLastDigits' consumerCustomId: type: string description: A custom identifier for the consumer example: '9999' firstName: $ref: '#/components/schemas/FirstName' lastName: $ref: '#/components/schemas/LastName' lastFourReportId: description: This represents the last four character of Report type: string example: u4hs reportId: $ref: '#/components/schemas/ReportId' createdDate: $ref: '#/components/schemas/UnixDate' reportType: $ref: '#/components/schemas/ReportType' status: $ref: '#/components/schemas/ReportStatus' reportCustomFields: $ref: '#/components/schemas/ReportCustomFields' LastName: type: string description: The last name of the account holder example: Smith Income: type: integer description: "Income is an optional parameter. It is the dollar amount for the customer's annual\n household income and is used to determine the income band the\ncustomer falls into." format: int64 example: 1000 minimum: 0 StateTimeInterval: description: 'For a StateAttribute, describes a time interval type being reported and a list of periods generated according to that type.' properties: periods: description: Periods of the specified time interval type, describing the attribute calculations items: $ref: '#/components/schemas/StatePeriod' type: array timeIntervalType: $ref: '#/components/schemas/TimeIntervalTypeEnum' required: - timeIntervalType - periods type: object TransactionalTimeInterval: description: 'For a TransactionalAttribute, describes a time interval type being reported and a list of periods generated according to that type.' properties: periods: description: Periods of the specified time interval type, describing the attribute calculations items: $ref: '#/components/schemas/TransactionalPeriod' type: array timeIntervalType: $ref: '#/components/schemas/TimeIntervalTypeEnum' required: - timeIntervalType - periods type: object CashFlowReportAccount: type: object properties: id: type: integer description: Finicity account ID example: 6681984 ownerName: $ref: '#/components/schemas/ReportAccountOwnerName' ownerAddress: $ref: '#/components/schemas/ReportAccountOwnerAddress' ownerAsOfDate: $ref: '#/components/schemas/ReportAccountOwnerAsOfDate' name: type: string description: The account name from the institution example: Checking number: type: string description: 'Account number provided by the financial institution. The format varies depending on the institution. Some digits may be masked. If an ACH number is needed, call the ACH endpoints. Below is a non-exhaustive list of examples for the `number` field. * 8089258 * 103275057=01 * 2000004444' example: '201940541' type: type: string description: 'The list of supported account types. * `checking` * `savings` * `moneyMarket` * `cd` * `investment` * `investmentTaxDeferred` * `employeeStockPurchasePlan` * `ira` * `401k` * `roth` * `403b` * `529` * `rollover` * `ugma` * `utma` * `keogh` * `457` * `401a` * `unknown` * `mortgage` * `loan` * `creditCard` * `lineOfCredit` * `payroll` * `studentLoan` * `brokerageAccount` * `educationSavings` * `healthSavingsAccount` * `nonTaxableBrokerageAccount` * `pension` * `profitSharingPlan` * `roth401k` * `sepIRA` * `simpleIRA` * `thriftSavingsPlan` * `variableAnnuity`' example: checking currency: $ref: '#/components/schemas/AccountCurrency' aggregationStatusCode: type: integer description: The status of the most recent aggregation attempt for this account (non-zero means the account was not accessed successfully for this report, and additional fields for this account may not be reliable) example: 0 currentBalance: type: number description: The cleared balance of the account as-of `balanceDate` example: 100000 availableBalance: type: number description: Available balance example: 1000 balanceDate: type: integer description: A timestamp showing when the `balance` was captured format: int64 example: 1614880526 transactions: type: array items: $ref: '#/components/schemas/ReportTransaction' description: a list of transaction records cashFlowBalance: $ref: '#/components/schemas/CashFlowCashFlowBalance' cashFlowCredit: $ref: '#/components/schemas/CashFlowCashFlowCredit' cashFlowDebit: $ref: '#/components/schemas/CashFlowCashFlowDebit' cashFlowCharacteristic: $ref: '#/components/schemas/CashFlowCashFlowCharacteristic' VOETransactionsReportConstraintsOut: type: object properties: reportId: $ref: '#/components/schemas/ReportId' accountIds: $ref: '#/components/schemas/ReportAccountIds' reportCustomFields: $ref: '#/components/schemas/ReportCustomFields' fromDate: $ref: '#/components/schemas/UnixDate' incomeStreamConfidenceMinimum: $ref: '#/components/schemas/IncomeStreamConfidenceMinimum' CashFlowCashFlowCharacteristicsSummary: required: - averageMonthlyNet - averageMonthlyNetLessTransfers - twelveMonthTotalNet - twelveMonthTotalNetLessTransfers - sixMonthAverageTotalCreditsLessTotalDebits - sixMonthAverageTotalCreditsLessTotalDebitsLessTransfers - twoMonthAverageTotalCreditsLessTotalDebits type: object properties: monthlyCashFlowCharacteristicsSummaries: type: array items: $ref: '#/components/schemas/CashFlowMonthlyCashFlowCharacteristicsSummaries' description: List of attributes for each month averageMonthlyNet: type: number description: Average monthly net amount example: 1250 averageMonthlyNetLessTransfers: type: number description: Average monthly net less transfers example: 1000 twelveMonthTotalNet: type: number description: Sum of all monthly (Total Credits - Total Debits) each month by the account example: 12500 twelveMonthTotalNetLessTransfers: type: number description: Sum of all monthly (Total Credits - Total Debits) without transfers by the account example: 12400 sixMonthAverageTotalCreditsLessTotalDebits: type: number description: 6 Month Average (Total Credits - Total Debits) across all accounts example: 55555 sixMonthAverageTotalCreditsLessTotalDebitsLessTransfers: type: number description: 6 Month Average (Total Credits - Total Debits) - (Without Transfers) across all accounts example: 55555 twoMonthAverageTotalCreditsLessTotalDebits: type: number description: 2 Month Average (Total Credits - Total Debits) across all accounts example: 55555 twoMonthAverageTotalCreditsLessTotalDebitsLessTransfers: type: number description: 2 Month Average (Total Credits - Total Debits) - (Without Transfers) across all accounts example: 55555 CashFlowPossibleLoanDepositsInstitutions: required: - id - name - urlHomeApp - accounts type: object properties: id: type: string description: Finicity institution ID example: '102105' name: type: string description: Finicity institution name example: FinBank Profiles urlHomeApp: type: string description: The URL of the Financial Institution example: http://www.finbank.com accounts: type: array items: $ref: '#/components/schemas/CashFlowPossibleLoanDepositsAccount' description: A list of account records CashFlowMonthlycashflowDebits: required: - month - numberOfDebits - totalDebitsAmount - largestDebit - numberOfDebitsLessTransfers - totalDebitsAmountLessTransfers - averageDebitAmount type: object properties: month: type: integer description: One instance for each complete calendar month in the report format: int64 example: 1512111600 numberOfDebits: type: string description: Number of Debits by month example: '5' totalDebitsAmount: type: number description: Total Amount of Debits by month example: -12345 largestDebit: type: number description: Largest Debit by month example: -2000 numberOfDebitsLessTransfers: type: string description: Number of Debits by month (less transfers) example: '3' totalDebitsAmountLessTransfers: type: number description: Total amount of debits by month (less transfers) example: -2000 averageDebitAmount: type: number description: The average debit amount example: 500 VOAWithIncomeReport: description: A VOA with income report type: object allOf: - $ref: '#/components/schemas/BaseReportAckWithPortfolioId' - type: object properties: startDate: $ref: '#/components/schemas/ReportStartDate' endDate: $ref: '#/components/schemas/ReportEndDate' days: type: integer description: Number of days covered by the report example: 180 seasoned: type: boolean description: '"true" if the report covers more than 180 days' example: true consolidatedAvailableBalance: type: number description: The sum of available balance for all of the accounts included in the report example: 1929.57 institutions: type: array items: $ref: '#/components/schemas/ReportInstitution' description: A list of institution records assets: $ref: '#/components/schemas/PrequalificationReportAssetSummary' income: description: A list of income stream records summarizing net and gross income estimates, confidence levels, and monthly income breakdowns for the customer. type: array items: $ref: '#/components/schemas/ReportIncomeStreamSummary' AnalyticsType: description: Analytics type. Allowed Values are benchmarking and forecasting. example: benchmarking type: string ReportAccountPosition: type: object properties: id: type: number description: The id of the investment position example: 637054 currency: type: string description: What currency the account operates in example: USD symbol: type: string description: The investment position’s market ticker symbol example: MCD securityName: type: string description: The security name for the investment holding example: Common Stock units: type: number description: The number of units of the holding example: 5 marketValue: type: number description: Market value of an investment position at the time of retrieval example: 1403.55 currentPrice: description: The current price of the investment holding type: number example: 280.71 securityType: description: Type of security of the investment position type: number example: Stock CustomerType: type: string description: The type of customer ("active" or "testing" or "" for all types) example: active ExtractDirectDeposit: type: boolean description: Field to indicate whether to extract the direct deposits on all pay statements default: true example: true PaymentRiskInsightsReportConstraints: type: object properties: analyticsReportData: $ref: '#/components/schemas/PaymentRiskInsightsReportData' reportCustomFields: $ref: '#/components/schemas/ReportCustomFields' accountIds: $ref: '#/components/schemas/ReportAccountIdsString' fromDate: $ref: '#/components/schemas/UnixDate' FindTransactionCategory: type: array description: 'An array of **categories** to return transactions with an exact match to the array of **category**. Limit of 10. ' maxItems: 10 items: type: string example: - Paycheck - Groceries ReportTitle: type: string description: Title of the report example: Finicity Asset Ready Report (CRA) BusinessAddressLine2: type: string minLength: 0 maxLength: 50 description: Address Line2, Apt/Unit Details example: Apt E226 State: type: string description: State example: UT PayrollVOEIncomeRecord: type: object properties: payFrequency: $ref: '#/components/schemas/PayFrequency' FirstName: type: string description: The first name of the account holder example: John ReportId: type: string description: A report ID example: u4hstnnak45g AnalyticsReportAck: required: - id - customerType - customerId - requestId - requesterName - createdDate - title - type - status - constraints allOf: - $ref: '#/components/schemas/BaseReportAck' - type: object properties: businessDetails: $ref: '#/components/schemas/BusinessDetails' reportPin: $ref: '#/components/schemas/ReportPin' PrequalificationReportAssetSummary: required: - currentBalance - twoMonthAverage - beginningBalance type: object properties: type: type: string description: 'The asset type: "checking", "savings", "moneyMarket", "cd", "investment"' example: checking availableBalance: type: number description: The available balance for the account example: 1000 currentBalance: type: number description: The current balance of the account example: 1000 twoMonthAverage: type: number description: The two month average daily balance of the account example: -1865.96 sixMonthAverage: type: number description: The six month average daily balance of the account example: -7616.01 beginningBalance: type: number description: The beginning balance of the account per the time period of the report example: -17795.6 UnixDate: type: integer description: 'A date in Unix epoch time (in seconds). See: [Handling Epoch Dates and Times](https://developer.mastercard.com/open-finance-us/documentation/errors/best-practices/).' format: int64 example: 1607450357 responses: ResourceNotFoundErrorResponse: description: The resource doesn't exist content: application/json: schema: $ref: '#/components/schemas/ErrorMessage' examples: ConsumerNotFoundExample: $ref: '#/components/examples/ConsumerNotFoundExample' NoAccountForInstitutionLoginIdExample: $ref: '#/components/examples/NoAccountForInstitutionLoginIdExample' CustomerNotFoundExample: $ref: '#/components/examples/CustomerNotFoundExample' NoConsumerForCustomerExample: $ref: '#/components/examples/NoConsumerForCustomerExample' ResourceNotFoundExample: $ref: '#/components/examples/ResourceNotFoundExample' NoRegisteredApplicationExample: $ref: '#/components/examples/NoRegisteredApplicationExample' ResellerNoDataForPartnerExample: $ref: '#/components/examples/ResellerNoDataForPartnerExample' ResellerNoReportForPartnerExample: $ref: '#/components/examples/ResellerNoReportForPartnerExample' GetReportWithFirstThirdPartyResponse: description: The report was successfully retrieved content: application/json: schema: anyOf: - $ref: '#/components/schemas/Report' - $ref: '#/components/schemas/ReportWithFirstThirdParty' examples: ForesightAnalyticsNonCraReportResponseExample: $ref: '#/components/examples/ForesightAnalyticsNonCraReportResponseExample' ForesightAnalyticsFirstThirdPartyNonCraReportResponseExample: $ref: '#/components/examples/ForesightAnalyticsFirstThirdPartyNonCraReportResponseExample' BalanceBusinessCraAnalyticsReportResponseExample: $ref: '#/components/examples/BalanceBusinessCraAnalyticsReportResponseExample' BalanceBusinessNonCraAnalyticsReportResponseExample: $ref: '#/components/examples/BalanceBusinessNonCraAnalyticsReportResponseExample' BalanceBusinessFtcAnalyticsReportResponseExample: $ref: '#/components/examples/BalanceBusinessFtcAnalyticsReportResponseExample' BalancePersonalCraAnalyticsReportResponseExample: $ref: '#/components/examples/BalancePersonalCraAnalyticsReportResponseExample' BalancePersonalNonCraAnalyticsReportResponseExample: $ref: '#/components/examples/BalancePersonalNonCraAnalyticsReportResponseExample' CashFlowBusinessCraAnalyticsReportResponseExample: $ref: '#/components/examples/CashflowBusinessCraAnalyticsReportResponseExample' CashFlowBusinessNonCraAnalyticsReportResponseExample: $ref: '#/components/examples/CashflowBusinessNonCraAnalyticsReportResponseExample' CashFlowBusinessFtcAnalyticsReportResponseExample: $ref: '#/components/examples/CashflowBusinessFtcAnalyticsReportResponseExample' CashFlowPersonalCraAnalyticsReportResponseExample: $ref: '#/components/examples/CashflowPersonalCraAnalyticsReportResponseExample' CashFlowPersonalNonCraAnalyticsReportResponseExample: $ref: '#/components/examples/CashflowPersonalNonCraAnalyticsReportResponseExample' CashFlowPersonalReportExample: $ref: '#/components/examples/CashFlowPersonalReportExample' CashFlowBusinessReportExample: $ref: '#/components/examples/CashFlowBusinessReportExample' SbcaRetailSalesAnalyticsReportExample: $ref: '#/components/examples/GenerateRetailSalesAnalyticsReportExample' SbcaRetailSalesBenchmarksReportExample: $ref: '#/components/examples/GenerateRetailSalesBenchmarksReportExample' PrequalificationCRAReportExample: $ref: '#/components/examples/PrequalificationCRAReportExample' PrequalificationNonCRAReportExample: $ref: '#/components/examples/PrequalificationNonCRAReportExample' PaymentHistoryBusinessCraAnalyticsReportResponseExample: $ref: '#/components/examples/PaymentHistoryBusinessCraAnalyticsReportResponseExample' PaymentHistoryBusinessNonCraAnalyticsReportResponseExample: $ref: '#/components/examples/PaymentHistoryBusinessNonCraAnalyticsReportResponseExample' PaymentHistoryBusinessFtcAnalyticsReportResponseExample: $ref: '#/components/examples/PaymentHistoryBusinessFtcAnalyticsReportResponseExample' PayStatementReportExample: $ref: '#/components/examples/PayStatementReportExample' StatementReportExample: $ref: '#/components/examples/StatementReportExample' TransactionsReportExample: $ref: '#/components/examples/TransactionsReportExample' VOAReportExample: $ref: '#/components/examples/VOAReportExample' VOAWithIncomeReportExample: $ref: '#/components/examples/VOAWithIncomeReportExample' VOEPayrollReportExample: $ref: '#/components/examples/VOEPayrollReportExample' VOETransactionsReportExample: $ref: '#/components/examples/VOETransactionsReportExample' VOIReportExample: $ref: '#/components/examples/VOIReportExample' VOIEPayrollReportExample: $ref: '#/components/examples/VOIEPayrollReportExample' VOIEPaystubReportExample: $ref: '#/components/examples/VOIEPaystubReportExample' VOIEPaystubWithTXVerifyReportExample: $ref: '#/components/examples/VOIEPaystubWithTXVerifyReportExample' BadRequestErrorResponse: description: The request was rejected content: application/json: schema: $ref: '#/components/schemas/ErrorMessage' examples: PermissiblePurposeCodeExample: $ref: '#/components/examples/PermissiblePurposeCodeExample' InvalidForesightReportRequestExample: $ref: '#/components/examples/InvalidForesightReportRequestExample' BothCraAndFtcPurposeTrueExample: $ref: '#/components/examples/BothCraAndFtcPurposeTrueExample' MissingFieldExample: $ref: '#/components/examples/MissingFieldExample' InvalidFieldExample: $ref: '#/components/examples/InvalidFieldExample' InvalidExperienceFieldExample: $ref: '#/components/examples/InvalidExperienceFieldExample' GenericBadRequestExample: $ref: '#/components/examples/GenericBadRequestExample' AccountTypeNotSupportedExample: $ref: '#/components/examples/AccountTypeNotSupportedExample' ResellerPartnerNotAuthorizedExample: $ref: '#/components/examples/ResellerPartnerNotAuthorizedExample' ResellerInvalidDateRangeExample: $ref: '#/components/examples/ResellerInvalidDateRangeExample' ResellerInvalidDateRangeLessThanZeroExample: $ref: '#/components/examples/ResellerInvalidDateRangeLessThanZeroExample' ResellerInvalidDateRangeGreaterThanEndDateExample: $ref: '#/components/examples/ResellerInvalidDateRangeGreaterThanEndDateExample' ResellerInvalidDateRangeGreaterThan31DaysExample: $ref: '#/components/examples/ResellerInvalidDateRangeGreaterThan31DaysExample' CustomerReportLimitExceedExample: $ref: '#/components/examples/CustomerReportLimitExceedExample' InvalidConsumerSSNExample: $ref: '#/components/examples/InvalidConsumerSSNExample' InvalidConsumerPhoneExample: $ref: '#/components/examples/InvalidConsumerPhoneExample' InvalidConsumerEmailExample: $ref: '#/components/examples/InvalidConsumerEmailExample' InvalidValue: $ref: '#/components/examples/InvalidValueExample' GetReportsResponse: description: The reports summaries were successfully retrieved content: application/json: schema: $ref: '#/components/schemas/ReportSummaries' SecurityFreezeErrorResponse: description: The active security freeze for this consumer exists. content: application/json: schema: $ref: '#/components/schemas/SecurityFreezeErrorMessage' examples: SecurityFreezeErrorExample: $ref: '#/components/examples/SecurityFreezeErrorExample' GetReportResponse: description: The report was successfully retrieved content: application/json: schema: $ref: '#/components/schemas/Report' examples: ForesightAnalyticsNonCraReportResponseExample: $ref: '#/components/examples/ForesightAnalyticsNonCraReportResponseExample' BalanceBusinessCraAnalyticsReportResponseExample: $ref: '#/components/examples/BalanceBusinessCraAnalyticsReportResponseExample' BalanceBusinessNonCraAnalyticsReportResponseExample: $ref: '#/components/examples/BalanceBusinessNonCraAnalyticsReportResponseExample' BalanceBusinessFtcAnalyticsReportResponseExample: $ref: '#/components/examples/BalanceBusinessFtcAnalyticsReportResponseExample' BalancePersonalCraAnalyticsReportResponseExample: $ref: '#/components/examples/BalancePersonalCraAnalyticsReportResponseExample' BalancePersonalNonCraAnalyticsReportResponseExample: $ref: '#/components/examples/BalancePersonalNonCraAnalyticsReportResponseExample' CashflowBusinessCraAnalyticsReportResponseExample: $ref: '#/components/examples/CashflowBusinessCraAnalyticsReportResponseExample' CashflowBusinessNonCraAnalyticsReportResponseExample: $ref: '#/components/examples/CashflowBusinessNonCraAnalyticsReportResponseExample' CashflowBusinessFtcAnalyticsReportResponseExample: $ref: '#/components/examples/CashflowBusinessFtcAnalyticsReportResponseExample' CashflowPersonalCraAnalyticsReportResponseExample: $ref: '#/components/examples/CashflowPersonalCraAnalyticsReportResponseExample' CashflowPersonalNonCraAnalyticsReportResponseExample: $ref: '#/components/examples/CashflowPersonalNonCraAnalyticsReportResponseExample' CashFlowPersonalReportExample: $ref: '#/components/examples/CashFlowPersonalReportExample' CashFlowBusinessReportExample: $ref: '#/components/examples/CashFlowBusinessReportExample' PrequalificationCRAReportExample: $ref: '#/components/examples/PrequalificationCRAReportExample' PrequalificationNonCRAReportExample: $ref: '#/components/examples/PrequalificationNonCRAReportExample' PaymentRiskInsightsPersonalCRAReportResponseExample: $ref: '#/components/examples/PaymentRiskInsightsPersonalCRAReportResponseExample' PaymentRiskInsightsBusinessCRAReportResponseExample: $ref: '#/components/examples/PaymentRiskInsightsBusinessCRAReportResponseExample' PaymentRiskInsightsPersonalNonCRAReportResponseExample: $ref: '#/components/examples/PaymentRiskInsightsPersonalNonCRAReportResponseExample' PaymentRiskInsightsBusinessNonCRAReportResponseExample: $ref: '#/components/examples/PaymentRiskInsightsBusinessNonCRAReportResponseExample' PaymentRiskInsightsBusinessReportFtcResponseExample: $ref: '#/components/examples/PaymentRiskInsightsBusinessReportFtcResponseExample' PaymentHistoryBusinessCraAnalyticsReportResponseExample: $ref: '#/components/examples/PaymentHistoryBusinessCraAnalyticsReportResponseExample' PaymentHistoryBusinessNonCraAnalyticsReportResponseExample: $ref: '#/components/examples/PaymentHistoryBusinessNonCraAnalyticsReportResponseExample' PaymentHistoryBusinessFtcAnalyticsReportResponseExample: $ref: '#/components/examples/PaymentHistoryBusinessFtcAnalyticsReportResponseExample' PayStatementReportExample: $ref: '#/components/examples/PayStatementReportExample' StatementReportExample: $ref: '#/components/examples/StatementReportExample' TransactionsReportExample: $ref: '#/components/examples/TransactionsReportExample' TransactionNONCRAExample: $ref: '#/components/examples/TransactionNONCRAExample' VOAReportExample: $ref: '#/components/examples/VOAReportExample' VOAWithIncomeReportExample: $ref: '#/components/examples/VOAWithIncomeReportExample' VOIEWithStatementReportExample: $ref: '#/components/examples/VOIEWithStatementReportExample' VOEPayrollReportExample: $ref: '#/components/examples/VOEPayrollReportExample' VOETransactionsReportExample: $ref: '#/components/examples/VOETransactionsReportExample' VOIReportExample: $ref: '#/components/examples/VOIReportExample' VOIEPayrollReportExample: $ref: '#/components/examples/VOIEPayrollReportExample' VOIEPaystubReportExample: $ref: '#/components/examples/VOIEPaystubReportExample' VOIEPaystubWithTXVerifyReportExample: $ref: '#/components/examples/VOIEPaystubWithTXVerifyReportExample' UnauthorizedErrorResponse: description: The request lacks valid authentication credentials. Check "Finicity-App-Key" or "Finicity-App-Token". content: application/json: schema: $ref: '#/components/schemas/ErrorMessage' examples: ExpiredTokenExample: $ref: '#/components/examples/ExpiredTokenExample' MissingFinicityAppKeyExample: $ref: '#/components/examples/MissingFinicityAppKeyExample' MissingFinicityAppTokenExample: $ref: '#/components/examples/MissingFinicityAppTokenExample' InvalidFinicityAppTokenExample: $ref: '#/components/examples/InvalidFinicityAppTokenExample' ExpiredFinicityAppTokenExample: $ref: '#/components/examples/ExpiredFinicityAppTokenExample' BadCredentialsExample: $ref: '#/components/examples/BadCredentialsExample' text/plain: schema: type: string example: Invalid (Finicity-App-Key) GetBillingResellerReportResponse: description: Get the reseller as well as own reports. content: application/json: schema: $ref: '#/components/schemas/BillingResellerReport' examples: GetBillingResellerReportExample: $ref: '#/components/examples/BillingResellerReportExample' TooManyRequestsErrorResponse: description: The service can't accept more requests or is not available from the Test Drive. parameters: CustomerIdParameter: description: A customer ID name: customerId in: path required: true schema: $ref: '#/components/schemas/CustomerId' example: '1005061234' ReportIdParameter: name: reportId in: path description: ID of the report required: true schema: $ref: '#/components/schemas/ReportId' example: u4hstnnak45g PurposeParameter: name: purpose in: query required: false description: 2-digit code from [Permissible Purpose Codes](https://developer.mastercard.com/open-finance-us/documentation/products/lend/permissible-purpose-codes/), specifying the reason for retrieving this report. Required for retrieving CRA reports. Validation enforcing the use of a valid [Permissible Purpose Code](https://developer.mastercard.com/open-finance-us/documentation/products/lend/permissible-purpose-codes/) for CRA reports will be enabled on 11 August 2026. schema: $ref: '#/components/schemas/PurposeCode' example: 3F ConsumerIdParameter: description: The consumer ID name: consumerId in: path required: true schema: $ref: '#/components/schemas/ConsumerId' example: 0bf46322c167b562e6cbed9d40e19a4c PartnerIdParameter: name: partnerId in: path description: ID of the report partner required: true schema: type: string example: '12314235356' OnBehalfOfParameter: name: onBehalfOf in: query description: The name of the entity you are retrieving the report on behalf of required: false schema: type: string example: Some entity requestBodies: LenderRequest: required: true content: application/json: schema: $ref: '#/components/schemas/Lender' examples: LenderRequestExample: $ref: '#/components/examples/LenderRequestExample' securitySchemes: FinicityAppKey: name: Finicity-App-Key type: apiKey in: header description: The "Finicity-App-Key" from the developer dashboard FinicityAppToken: name: Finicity-App-Token type: apiKey in: header description: A token returned by the `/authentication` API