Publication: Gestión de autorización delegada en el acceso a transacciones de banca electrónica mediante Open APIs
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2022
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2022-06
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Abstract
Este proyecto plantea implementar una aplicación de servicios de pago llamada Delpay.
Se introduce el concepto de autorización delegada en el ámbito de las operaciones y
transacciones bancarias. Esto significa que mediante esta aplicación los particulares y las
pequeñas y medianas empresas podrán delegar la autorización de acceso a operaciones y
transacciones de sus cuentas bancarias en otras personas.
A lo largo de este documento se presenta el análisis y diseño de esta aplicación. Para
demostrar que es posible se ha realizado también la implementación de una prueba de
concepto que se conecta con el entorno de pruebas Sandbox PSD2 de Redsys.
Se sigue la Directiva (UE) 2366/201 o Second Payment Service Directive (PSD2), la
segunda directiva en materia de servicios de pago [24]. Esta directiva entró en vigor en
2018 y pretende fomentar el desarrollo de un mercado único de pagos en la Unión Europea.
Mediante esta regulación los bancos abren sus servicios de pagos a terceras empresas,
surgiendo así el Open Banking actual. Debido a esto se pueden desarrollar aplicaciones
como Delpay. Para cumplir con la normativa se sigue el estándar NextGenPSD2 XS2A
Framework [37] que establece una serie de directrices para utilizar las interfaces (Open
APIs) proporcionadas por los bancos.
This project aims to implement a payment services application called Delpay. It introduces the concept of delegated authorisation in the field of banking operations and transactions. This means that through this application, individuals as well as small and medium-sized companies will be able to delegate the authorisation of access to operations and transactions of their bank accounts to other people. The analysis and design of this application is presented throughout this document. To demonstrate that it is possible, a proof-of-concept implementation has also been carried out, which is connected to the Redsys Sandbox PSD2 test environment. For the development of the project, Directive (EU) 2366/201 or Second Payment Service Directive (PSD2), the second directive on payment services [24], is followed. This directive came into force in 2018 and aims to promote the development of a single market for payments in the European Union. Through this regulation, banks open up their payment services to third party companies, thus giving rise to today's Open Banking. As a result, applications such as Delpay can be developed. To comply with the regulation, the NextGenPSD2 XS2A Framework [37], which sets out guidelines for using the interfaces (Open APIs) provided by the banks, is being followed.
This project aims to implement a payment services application called Delpay. It introduces the concept of delegated authorisation in the field of banking operations and transactions. This means that through this application, individuals as well as small and medium-sized companies will be able to delegate the authorisation of access to operations and transactions of their bank accounts to other people. The analysis and design of this application is presented throughout this document. To demonstrate that it is possible, a proof-of-concept implementation has also been carried out, which is connected to the Redsys Sandbox PSD2 test environment. For the development of the project, Directive (EU) 2366/201 or Second Payment Service Directive (PSD2), the second directive on payment services [24], is followed. This directive came into force in 2018 and aims to promote the development of a single market for payments in the European Union. Through this regulation, banks open up their payment services to third party companies, thus giving rise to today's Open Banking. As a result, applications such as Delpay can be developed. To comply with the regulation, the NextGenPSD2 XS2A Framework [37], which sets out guidelines for using the interfaces (Open APIs) provided by the banks, is being followed.
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Keywords
PSD2, Banca electrónica, Aplicación web