Yodlee fastlink integration – Add bank account process

Published On: 16 January 2017.By vipin garg.

Digital Engineering

Yodlee fastlink integration – Add bank account process

Yodlee is a leading data aggregation and data analytics platform powering dynamic, cloud-based innovation for digital financial services. Today’s banking and financial application consumers want one place where they can login and see all of their financial accounts. Yet adding and verifying financial accounts within a financial app can be a hassle.

Yodlee FastLink lets users add accounts held at their financial institutions. Users can add their accounts by searching a financial institution’s site and entering the login credentials for that particular site. User can add savings, checking, investment, credit card, and insurance account types, etc.

Integrating with Yodlee FastLink

Step 1: Cobrand Login
In the cobrand login step, the customer application authenticates with Yodlee Server. The cobrand login REST API accepts the cobrand credentials; once authenticated a cobSessionToken is created and returned in API response.

Refer to Integration Guide and Cobrand Login API Reference for more details

Cobrand Login API returns cobSession Token which is needed for all subsequent API calls (passed through Authorization Header)

{
 cobrandId : 10010352,
 applicationId :  3A4CAE9B71A1CCD7FF41F51006E9ED00 ,
 locale :  en_US ,
 session : {
 cobSession :
 08062013_0:0d1ee7eb871b4e48b31bb553b459ca661f66bca0928fdef32ba673c61bb1
1c92a402b2341b97ca39fdd4a2b3e168d8ca90f66dd115eeee5e797660165f6cf8dd
}
}

{

cobrandId : 10010352,

applicationId : 3A4CAE9B71A1CCD7FF41F51006E9ED00 ,

locale : en_US ,

session : {

cobSession :

08062013_0:0d1ee7eb871b4e48b31bb553b459ca661f66bca0928fdef32ba673c61bb1

1c92a402b2341b97ca39fdd4a2b3e168d8ca90f66dd115eeee5e797660165f6cf8dd

}

Step 2: User Login
The User Login API enables the consumer (end-user) to log in to the application. Once the consumer has logged in, userSessionToken is returned in API response.

Refer to Integration Guide and User Login API Reference for more details

{
 user : {
 id : 10060702,
 loginName :  user_login_name ,
 name : {
 first :  John ,
 last :  Doe
},
 session : {
 userSession :
 08062013_1:4daf4cf98182725d6fd018fa8d3165b73511a9d8f4c78f7fc65addfdb828
8a0f451b49622d54635e681d3de153a73d608eaf9de7d41a23119cd249cb86d927c2
},
 preferences : {
 currency :  USD ,
 timeZone :  PST ,
 dateFormat :  MM/dd/yyyy
}
}
}

{

user : {

id : 10060702,

loginName : user_login_name ,

name : {

first : John ,

last : Doe

session : {

userSession :

08062013_1:4daf4cf98182725d6fd018fa8d3165b73511a9d8f4c78f7fc65addfdb828

8a0f451b49622d54635e681d3de153a73d608eaf9de7d41a23119cd249cb86d927c2

preferences : {

currency : USD ,

timeZone : PST ,

dateFormat : MM/dd/yyyy

}

Step 3: Get FastLink Token
Obtain FastLink application token using the /accessTokens API. This token is used to authenticate the consumer’s access to the FastLink FinApp.

Refer to Integration Guide and Access Tokens API Reference for more details

appIds

FinApp ID to be authenticated through the node.

10003600 – for Fastlink 2.0 Aggregation

Example of (GET) Request

URL format: https://<restdomain>/ysl/<restextension /v1/user/ accessTokens
Service: GET /ysl/restserver/v1/user/accessTokens?appIds=10003600 HTTP/1.1
Host: developer.api.yodlee.com
Accept: application/json
Content type: application/json
Authorization: {cobSession=08062013_2:7af6ff3f739965e72c8b7248c96a2317958f2b2c1a0a1bfa2639 4c25747e6b18b4e118e95d499058cbdd9212972d70cd41cbc7139934b66cbd65e220712 a23ed}
Origin: https://developer.yodlee.com Connection: keep-alive

URL format: https://<restdomain>/ysl/<restextension /v1/user/ accessTokens

Service: GET /ysl/restserver/v1/user/accessTokens?appIds=10003600 HTTP/1.1

Host: developer.api.yodlee.com

Accept: application/json

Content type: application/json

Authorization: {cobSession=08062013_2:7af6ff3f739965e72c8b7248c96a2317958f2b2c1a0a1bfa2639 4c25747e6b18b4e118e95d499058cbdd9212972d70cd41cbc7139934b66cbd65e220712 a23ed}

Origin: https://developer.yodlee.com Connection: keep-alive

{
   "user":{
      "accessTokens":[
         {
            "appId":"10003600",
            "value":"4125c5d0b712a927d4aab049def7cd25aa9d3251122d260ea294f3b00c4d834d"
         }
      ]
   }
}

{

"user":{

"accessTokens":[

{

"appId":"10003600",

"value":"4125c5d0b712a927d4aab049def7cd25aa9d3251122d260ea294f3b00c4d834d"

}

]

}

Step 4: Launch FastLink
Final step is to launch FastLink application by making POST request to Yodlee FastLink application server (different than API server).

Yodlee FastLink allows transfer of control to customer application when UI flow of linking account (or verify) is completed by user. Customers can set a callback URL while launching FastLink, this URL will be called at the end of flow (or user exit). Yodlee passes the status of operations done by the consumer in a query string of the callback URL. Refer FastLink Callback Parameters for Aggregation.

For callback URL example of extraParams can be used where extra parameters is to be passed in a name value pair in string query format. Following is an example of callback URL .

extraParams='callback=https://www.google.com&amp;siteAccountId=11799016&amp;fl
ow=edit'

1 2	extraParams='callback=https://www.google.com&siteAccountId=11799016&fl ow=edit'

Example of (POST) Request using HTML Form

<form action="https://node.developer.yodlee.com/authenticate/restserver/" method="POST">
	<input type="text" name="app" value="10003600" />
	<input type="text" name="rsession" />
	<input type="text" name="token" />
	<input type="text" name="redirectReq" value="true"/>
	<input type="submit" name="submit" />
</form>