Stage webhooks & communication on Credit Specification

[92shreyansh]

Lets use this thread consolidate all stages of a credit journey that needs to be communicated between BAP & BPP

[om-warule-sw]

Hello All,

Please share the list of all the calls backs expected :

Customer Status	Sub-Status (If Any)	Remarks
SUSPENDED	-	For resubmission of incorrect Bank Statement
KYC_PENDING	SELFIE_PENDING, POI_PENDING, POA_PENDING, PENNYDROP_PENDING	KYC required after profile approval
UNDER_REVIEW	-	Documents under manual LO/UW decisioning
KYC_SUSPENDED	-	Re-upload KYC documents based on LO/UW decision
BLOCKED	-	Customer found fraud after LO verification
APPROVED	NACH_PENDING, NACH_FAILED	After KYC approval; NACH steps follow
READY_TO_DISBURSE	-	NACH completed successfully
LOAN_TAKEN	-	Loan disbursed to customer's account
REJECTED	-	Rejection at profile or KYC level

Please help us know from where we would get offer generated, offer selected and loan disbursal details covering - amount, ROI, PF, Tenure & EMI :

Can we same response structure of the status api for sending the loan offer, quotation, and RPS details as it is shared in the on_status api response. @92shreyansh

[92shreyansh]

Hi @om-warule-sw,

Thanks for the details I would suggest we can add a CHECKLIST tag group at item/fulfillment level similarly to FIS12-2.3.0 or FIS14-2.1.0

Adding the example here:

{
  "descriptor": {
    "code": "CHECKLISTS",
    "name": "Checklists"
  },
  "list": [
    {
      "descriptor": {
        "code": "OFFER"
      },
      "value": "PENDING" // GENERATED, REJECTED, SANCTIONED, DISBURSED, SUSPENDED, UNDER_REVIEW, BLOCKED
    },
    {
      "descriptor": {
        "code": "KYC"
      },
      "value": "PENDING" // SELFIE_PENDING, POI_PENDING, POA_PENDING, PENNYDROP_PENDING, INPROGRESS, OFFLINE_PENDING, REJECTED, SUSPENDED, COMPLETED
    },
    {
      "descriptor": {
        "code": "ENACH"
      },
      "value": "PENDING" // FAILED, COMPLETED, UNDER_REVIEW, SUSPENDED, INPROGRESS
    },
    {
      "descriptor": {
        "code": "ESIGN",
        "name": "Esign"
      },
      "value": "PENDING" // FAILED, COMPLETED, UNDER_REVIEW, SUSPENDED, INPROGRESS
    }
  ],
  "display": false
}

Please review this and provide your feedback

[92shreyansh]

Adding a complete payload for ease

{
  "context": {
    "domain": "ONDC:FIS12",
    "location": {
      "country": {
        "code": "IND"
      },
      "city": {
        "code": "*"
      }
    },
    "action": "on_select",
    "version": "2.0.2",
    "bap_id": "bap.credit.becknprotocol.io",
    "bap_uri": "https://bap.credit.becknprotocol.io/",
    "bpp_id": "bpp.credit.becknprotocol.org",
    "bpp_uri": "https://bpp.credit.becknprotocol.org",
    "transaction_id": "a9aaecca-10b7-4d19-b640-b047a7c62195",
    "message_id": "c8e3968c-cd78-4e46-aa34-0d541e46bd73",
    "timestamp": "2023-05-25T05:23:03.443Z",
    "ttl": "P30M"
  },
  "message": {
    "order": {
      "provider": {
        "id": "PROVIDER_ID",
        "descriptor": {
          "images": [
            {
              "url": "https://www.icicibank.com/content/dam/icicibank/india/assets/images/header/logo.png",
              "size_type": "sm"
            }
          ],
          "name": "ICICI Bank",
          "short_desc": "ICICI Bank Ltd",
          "long_desc": "ICICI Bank Ltd, India."
        },
        "tags": [
          {
            "descriptor": {
              "code": "CONTACT_INFO",
              "name": "Contact Info"
            },
            "list": [
              {
                "descriptor": {
                  "code": "GRO_NAME",
                  "name": "Gro name"
                },
                "value": "ICICI"
              },
              {
                "descriptor": {
                  "code": "GRO_EMAIL",
                  "name": "Gro email"
                },
                "value": "lifeline@iciciprulife.com"
              },
              {
                "descriptor": {
                  "code": "GRO_CONTACT_NUMBER",
                  "name": "Gro contact number"
                },
                "value": "1860 266 7766"
              },
              {
                "descriptor": {
                  "code": "GRO_DESIGNATION",
                  "name": "Gro Designation"
                },
                "value": "Nodal Grievance Redressal Officer"
              },
              {
                "descriptor": {
                  "code": "GRO_ADDRESS",
                  "name": "Gro Address"
                },
                "value": "One Indiabulls centre, Tower 1, 18th Floor Jupiter mill compound 841, Senapati Bapat Marg, Elphinstone Road, Mumbai 400013"
              },
              {
                "descriptor": {
                  "code": "CUSTOMER_SUPPORT_LINK",
                  "name": "Customer support link"
                },
                "value": "https://buy.iciciprulife.com/buy/GrievanceRedStep.htm?execution=e1s1"
              },
              {
                "descriptor": {
                  "code": "CUSTOMER_SUPPORT_CONTACT_NUMBER",
                  "name": "Customer support contact number"
                },
                "value": "1800 1080"
              },
              {
                "descriptor": {
                  "code": "CUSTOMER_SUPPORT_EMAIL",
                  "name": "Customer support email"
                },
                "value": "customer.care@icicibank.com"
              }
            ]
          },
          {
            "descriptor": {
              "code": "LSP_INFO",
              "name": "Lsp Info"
            },
            "list": [
              {
                "descriptor": {
                  "code": "LSP_NAME",
                  "name": "Lsp name"
                },
                "value": "ICICI_LSP"
              },
              {
                "descriptor": {
                  "code": "LSP_EMAIL",
                  "name": "Lsp email"
                },
                "value": "lsp@iciciprulife.com"
              },
              {
                "descriptor": {
                  "code": "LSP_CONTACT_NUMBER",
                  "name": "Lsp contact number"
                },
                "value": "1860 266 7766"
              },
              {
                "descriptor": {
                  "code": "LSP_ADDRESS",
                  "name": "Lsp Address"
                },
                "value": "One Indiabulls centre, Tower 1, 18th Floor Jupiter mill compound 841, Senapati Bapat Marg, Elphinstone Road, Mumbai 400013"
              }
            ]
          }
        ]
      },
      "items": [
        {
          "id": "ITEM_ID_PERSONAL_LOAN_2",
          "descriptor": {
            "code": "PERSONAL_LOAN",
            "name": "Personal Loan"
          },
          "xinput": {
            "head": {
              "descriptor": {
                "name": "LENDER_JOURNEY"
              },
              "index": {
                "min": 0,
                "cur": 0,
                "max": 0
              },
              "headings": [
                "LENDER_JOURNEY"
              ]
            },
            "form": {
              "id": "FO2",
              "mime_type": "application/html",
              "url": "https://https://bpp.credit.becknprotocol.org/loans-details/xinput",
              "resubmit": false,
              "multiple_sumbissions": false
            },
            "required": true
          }
        }
      ],
       "fulfillments" : [
        {
          "type": "LOAN",
          "tags":[
            {
              "descriptor": {
                "code": "CHECKLISTS",
                "name": "Checklists"
              },
              "list": [
                {
                  "descriptor": {
                    "code": "OFFER"
                  },
                  "value": "PENDING" // GENERATED, REJECTED, SANCTIONED, DISBURSED, SUSPENDED, UNDER_REVIEW, BLOCKED
                },
                {
                  "descriptor": {
                    "code": "KYC"
                  },
                  "value": "PENDING" // SELFIE_PENDING, POI_PENDING, POA_PENDING, PENNYDROP_PENDING, INPROGRESS, OFFLINE_PENDING, REJECTED, SUSPENDED, COMPLETED
                },
                {
                  "descriptor": {
                    "code": "ENACH"
                  },
                  "value": "PENDING" // FAILED, COMPLETED, UNDER_REVIEW, SUSPENDED, INPROGRESS
                },
                {
                  "descriptor": {
                    "code": "ESIGN",
                    "name": "Esign"
                  },
                  "value": "PENDING" // FAILED, COMPLETED, UNDER_REVIEW, SUSPENDED, INPROGRESS
                }
              ],
              "display": false
            }
          ]
        }
      ]
    }
  }
}