aid: kontomatik
name: Kontomatik Vocabulary
description: Domain vocabulary spanning Kontomatik's PSD2 AIS, PDF parsing, and analytical services.
terms:
- term: AIS
  definition: Account Information Service — PSD2-regulated read-only access to bank account data.
- term: Single Access
  definition: One-time AIS data fetch immediately after end-user authentication.
- term: Multiple Access
  definition: AIS access pattern using a consent token reusable for up to 180 days without reauthentication.
- term: Mixed Access
  definition: Hybrid access combining Single and Multiple Access semantics within a single session.
- term: SignIn Flow
  definition: Kontomatik authorization flow delivered as either a hosted Widget or a Redirection URL.
- term: KontoBank
  definition: Kontomatik's mock bank for sandbox/test sessions.
- term: Owner
  definition: A natural or legal person whose financial data is imported. Identified by ownerExternalId for aggregation.
- term: Insight
  definition: Kontomatik's client portal for managing API keys, IP whitelisting, team access, statistics, and uploads.
- term: Labeling
  definition: ML-based categorization of bank transactions (salary, rent, utilities, etc.).
- term: Vendor Recognition
  definition: Identification of merchant / counterparty names from transaction text (beta).
- term: Scoring
  definition: ML credit scoring expressed as a numeric score plus repayment probability.
- term: Profiling
  definition: Behavioral segmentation of owners based on transaction patterns (beta).
- term: Data Summary
  definition: Aggregated per-category or per-account financial calculations.
- term: Income Confirmation
  definition: Income aggregates computed across four configurable timespans.
- term: PDF Statement
  definition: Polish bank statement PDF parsed into structured owner / account / transaction data.
- term: PDF Confirmation
  definition: Polish single-transaction confirmation PDF parsed into structured data.
- term: Trusted Mode
  definition: PDF parsing mode that returns data even when verification checks fail.
- term: Standard Mode
  definition: PDF parsing mode that rejects responses when verification checks fail.
- term: Report Token
  definition: Authenticated token granting access to a generated Kontomatik Report (beta).
tags:
- OpenBanking
- PSD2
- AIS
- BankData
- KYC
- CreditScoring
- TransactionLabeling
- CEE