The unique person ID, generated after completing the person onboarding process.
Overdrafts (1.0)
https://docs.solarisgroup.com/_mock/api-reference/lending/overdrafts/
Request
Creates a consumer overdraft application and assigns it to the person
with the given person_id
in the path parameter. Before calling this endpoint, you must collect the required information from the customer, such as the employment status and income declaration and the consent to the account snapshot and credit check. Additionally, you need to create a credit record for the customer. Afterwards, Solaris' credit scoring system assesses the application to determine the person credit eligibility and either approves or rejects the application.
The application attributes
The unique identification ID of a person, generated after completing the person identification process.
The consumer's employment status, mentioned in the signed self-declaration form.
The limit requested by partner
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/overdrafts/v1/persons/{person_id}/consumer_overdraft_applications
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
{ "partner_risk_class": "d", "partner_requested_limit": { "value": 0, "unit": "cents", "currency": "EUR" }, "partner_reference_number": "a123456", "partner_contact_number": "+491565904345", "partner_contact_name": "Peter Mustermann", "net_income_amount": { "value": 1000, "unit": "cents", "currency": "EUR" }, "minimum_credit_risk_criteria": {}, "identification_id": "176a96d1ecf7459d659d1b7f0108a3f2cidt", "employment_status": "EMPLOYED", "credit_record_id": "fbb7d15fa4c54ba0b077592665ef04a4ccrd", "account_iban": "DE87110101001000057123" }
Application
The unique ID of a consumer overdraft application.
The unique partner ID, generated after creating a partner.
The unique person ID, generated after completing the person onboarding process.
The unique identification ID of a person, generated after completing the person identification process.
The status of a consumer overdraft application.
The date and time the consumer overdraft application was created.
The description of the consumer overdraft application status.
The number of the partner's contact person.
The name of the partner's contact person.
The unique ID of a consumer overdraft, generated after an overdraft is offered.
The consumer's employment status, mentioned in the signed self-declaration form.
{ "status_description": "The overdraft is approved and offered to the customer.", "status": "offered", "person_id": "dc1a6812a14f6cc338cd084208535bcdcper", "partner_risk_class": "d", "partner_requested_limit": { "value": 1000, "unit": "cents", "currency": "EUR" }, "partner_reference_number": "a123456", "partner_id": "6ee8e4c8bdc2f9b15870c989706aa9cccpar", "partner_contact_number": "+491565904345", "partner_contact_name": "Peter Mustermann", "overdraft_id": "00556cd181f2409aaa6c2a033cce3a8fcovd", "net_income_amount": { "value": 1000, "unit": "cents", "currency": "EUR" }, "minimum_credit_risk_criteria": {}, "limit": { "value": 1000, "unit": "cents", "currency": "EUR" }, "interest_accrual_rate": 0.1, "identification_id": "176a96d1ecf7459d659d1b7f0108a3f2cidt", "id": "b83z264de98741018419b53648e20ca9coap", "employment_status": "EMPLOYED", "credit_record_id": "fbb7d15fa4c54ba0b077592665ef04a4ccrd", "created_at": "2021-08-03T18:01:48.000Z", "account_iban": "DE87110101001000057123" }
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/overdrafts/v1/persons/{person_id}/consumer_overdraft_applications/{overdraft_application_id}
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
No request payload
Application
The unique ID of a consumer overdraft application.
The unique partner ID, generated after creating a partner.
The unique person ID, generated after completing the person onboarding process.
The unique identification ID of a person, generated after completing the person identification process.
The status of a consumer overdraft application.
The date and time the consumer overdraft application was created.
The description of the consumer overdraft application status.
The number of the partner's contact person.
The name of the partner's contact person.
The unique ID of a consumer overdraft, generated after an overdraft is offered.
The consumer's employment status, mentioned in the signed self-declaration form.
{ "status_description": "The overdraft is approved and offered to the customer.", "status": "offered", "person_id": "dc1a6812a14f6cc338cd084208535bcdcper", "partner_risk_class": "d", "partner_requested_limit": { "value": 1000, "unit": "cents", "currency": "EUR" }, "partner_reference_number": "a123456", "partner_id": "6ee8e4c8bdc2f9b15870c989706aa9cccpar", "partner_contact_number": "+491565904345", "partner_contact_name": "Peter Mustermann", "overdraft_id": "00556cd181f2409aaa6c2a033cce3a8fcovd", "net_income_amount": { "value": 1000, "unit": "cents", "currency": "EUR" }, "minimum_credit_risk_criteria": {}, "limit": { "value": 1000, "unit": "cents", "currency": "EUR" }, "interest_accrual_rate": 0.1, "identification_id": "176a96d1ecf7459d659d1b7f0108a3f2cidt", "id": "b83z264de98741018419b53648e20ca9coap", "employment_status": "EMPLOYED", "credit_record_id": "fbb7d15fa4c54ba0b077592665ef04a4ccrd", "created_at": "2021-08-03T18:01:48.000Z", "account_iban": "DE87110101001000057123" }
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/overdrafts/v1/persons/consumer_overdraft_applications
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
No request payload
OverdraftWeb.V1.Consumer.ListOverdraftApplicationResponse
The unique ID of a consumer overdraft application.
The unique partner ID, generated after creating a partner.
The unique person ID, generated after completing the person onboarding process.
The unique identification ID of a person, generated after completing the person identification process.
The status of a consumer overdraft application.
The date and time the consumer overdraft application was created.
The description of the consumer overdraft application status.
The number of the partner's contact person.
The name of the partner's contact person.
The unique ID of a consumer overdraft, generated after an overdraft is offered.
The consumer's employment status, mentioned in the signed self-declaration form.
The unique ID of a credit record, generated after creating a consumer credit record.
[ { "status_description": "The overdraft is approved and offered to the customer.", "status": "offered", "person_id": "dc1a6812a14f6cc338cd084208535bcdcper", "partner_risk_class": "d", "partner_requested_limit": { … }, "partner_reference_number": "a123456", "partner_id": "6ee8e4c8bdc2f9b15870c989706aa9cccpar", "partner_contact_number": "+491565904345", "partner_contact_name": "Peter Mustermann", "overdraft_id": "00556cd181f2409aaa6c2a033cce3a8fcovd", "net_income_amount": { … }, "minimum_credit_risk_criteria": {}, "limit": { … }, "interest_accrual_rate": 0.1, "identification_id": "176a96d1ecf7459d659d1b7f0108a3f2cidt", "id": "b83z264de98741018419b53648e20ca9coap", "employment_status": "EMPLOYED", "credit_record_id": "fbb7d15fa4c54ba0b077592665ef04a4ccrd", "created_at": "2021-08-03T18:01:48.000Z", "account_iban": "DE87110101001000057123" } ]
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/overdrafts/v1/persons/{person_id}/consumer_overdraft_applications/{application_id}/pre_contract
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
No request payload
No content
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/overdrafts/v1/persons/{person_id}/consumer_overdraft_applications/{application_id}/conditions
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
No request payload
No content
The application attributes
The unique ID of a person's bank account.
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/overdrafts/v1/persons/{person_id}/consumer_overdraft_applications/{overdraft_application_id}/overdraft
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
{ "tnc_accepted_at": "2021-08-03T18:01:48.000Z", "account_id": "575189c6eb825b10b9d0392fcb3bf61dcacc" }
Application
The unique ID of a consumer overdraft, generated after an overdraft is offered.
The unique person ID, generated after completing the person onboarding process.
The unique ID of a consumer overdraft application.
The status of an overdraft offered to a consumer.
The daily rate at which interest is accrued on the used amount of an overdraft.
The date and time the overdraft was created.
{ "status": "created", "person_id": "dc1a6812a14f6cc338cd084208535bcdcper", "overdraft_rate": 9, "negative_since": "2021-08-03T18:01:48Z", "interest_accrual_rate": 3, "id": "00556cd181f2409aaa6c2a033cce3a8fcovd", "created_at": "2021-08-03T18:01:48.000Z", "consumer_application_id": "b83z264de98741018419b53648e20ca9coap", "account_iban": "DE87110101001000057123" }
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/overdrafts/v1/persons/{person_id}/consumer_overdrafts/{overdraft_id}
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
No request payload
Overdraft
The unique ID of a consumer overdraft, generated after an overdraft is offered.
The unique person ID, generated after completing the person onboarding process.
The unique ID of a consumer overdraft application.
The status of an overdraft offered to a consumer.
The daily rate at which interest is accrued on the used amount of an overdraft.
The date and time the overdraft was created.
The date and time when overdraft went negative.
The daily interest accrued by an person account.
The daily interest accrued by an person account.
{ "status": "created", "person_id": "dc1a6812a14f6cc338cd084208535bcdcper", "overdraft_rate": 9, "negative_since": "2021-08-03T18:01:48Z", "limit": { "value": 1000, "unit": "cents", "currency": "EUR" }, "interest_accrued": { "value": 1000, "unit": "cents", "currency": "EUR" }, "interest_accrual_rate": 3, "id": "00556cd181f2409aaa6c2a033cce3a8fcovd", "created_at": "2021-08-03T18:01:48.000Z", "consumer_application_id": "b83z264de98741018419b53648e20ca9coap", "account_iban": "DE87110101001000057123" }
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/overdrafts/v1/persons/consumer_overdrafts
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
No request payload
OverdraftWeb.V1.Consumer.ListOverdraftsResponse
The unique ID of a consumer overdraft, generated after an overdraft is offered.
The unique person ID, generated after completing the person onboarding process.
The unique ID of a consumer overdraft application.
The status of an overdraft offered to a consumer.
The daily rate at which interest is accrued on the used amount of an overdraft.
The date and time the overdraft was created.
The date and time when overdraft went negative.
[ { "status": "created", "person_id": "dc1a6812a14f6cc338cd084208535bcdcper", "overdraft_rate": 9, "negative_since": "2021-08-03T18:01:48Z", "limit": { … }, "interest_accrual_rate": 3, "id": "00556cd181f2409aaa6c2a033cce3a8fcovd", "created_at": "2021-08-03T18:01:48.000Z", "consumer_application_id": "b83z264de98741018419b53648e20ca9coap", "account_iban": "DE87110101001000057123" } ]
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/overdrafts/v1/persons/{person_id}/consumer_overdrafts/{overdraft_id}/limit_changes/{limit_change_id}/pre_contract
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
No request payload
No content
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/overdrafts/v1/persons/{person_id}/consumer_overdrafts/{overdraft_id}/limit_changes/{limit_change_id}/conditions
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
No request payload
No content
The application attributes
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/overdrafts/v1/persons/{person_id}/consumer_overdrafts/{overdraft_id}/terminate
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
{}