Authentication (Node.js Example)

The Consumer API uses OpenID Connect and OAuth 2.0 for authentication.

This quickstart guides you through making your first OpenID Connect authentication using our Consumer API OpenID Connect example project.

Prerequisites

Before you get started, you’ll need to obtain the following from the back office administrator at your financial institution who has access to Banno People:

• API Credentials
• User Account

If the administrator does not know where to do this, they can review the External application configuration article on the Banno Knowledge site.

API credentials

You’ll need API credentials to exercise the authorization flow. The Banno People administrator at your financial institution can provide you with a client_id and client_secret that you can use to access the Consumer API in your environment.

User account

You’ll need a user account to exercise the authorization flow with a test user.

Software requirements

Node.js, npm, nvm

The example is built for Node.js and npm.

If you don’t have these installed on your system already, you may want to install a Node Version Manager such as nvm.

Consumer API OpenID Connect example

Clone the Consumer API OpenID Connect Example repository.

git clone https://github.com/Banno/consumer-api-openid-connect-example.git

Install project dependencies.

cd consumer-api-openid-connect-example
npm install

Running the example (locally)

After completing all steps from the Prerequisites section above…

Navigate to the root folder consumer-api-openid-connect-example/.

Start the server by entering:

npm start

The server should now be running locally. You should see the following log statement in the terminal:

Environment: local
Server listening on http://localhost:8080...

Open http://localhost:8080/login.html in your browser.

Click on Sign in with Banno and sign in with your Banno Username and Password. You’ll be redirected to http://localhost:8080/me and see the OpenID Connect claims for the user.

It should look similar to this example:

{
  "sub": "5cad5c30-6d24-11e9-870c-0242b78f8571",
  "address": {
    "locality": "Seattle",
    "postal_code": "981090000",
    "region": "WA",
    "street_address": "400 Broad St"
  },
  "email": "rileydoe@jackhenry.dev",
  "phone_number": "+15552368",
  "birthdate": "1951-03-02",
  "family_name": "Doe",
  "given_name": "Riley",
  "locale": "en-US",
  "name": "Riley Doe",
  "picture": "https://digital.garden-fi.com/a/consumer/api/node/public-profile-photo/dmF1bHQ6d...3c9PQ==",
  "preferred_username": "rileydoe",
  "at_hash": "meToBgo7UfatG825BaaClQ",
  "sid": "e10597ce-4b85-4a78-890b-55e2af751c9a",
  "aud": "05166b79-4f61-484d-a4b4-2a225926bf4b",
  "exp": 1571253248,
  "iat": 1571249648,
  "iss": "https://digital.garden-fi.com/a/consumer/api/v0/oidc"
}

You’ll also see a log statement in the terminal that shows the access_token, id_token, and refresh_token:

TokenSet {
  access_token: '<lengthy-json-web-token-string>',
  expires_at: 1571334444,
  id_token: '<lengthy-json-web-token-string>',
  refresh_token: '<lengthy-json-web-token-string>',
  scope: 'openid address email phone profile offline_access banno',
  token_type: 'Bearer'
}

Where:

• The access_token contains authorization information about your application regarding which actions it is allowed to perform via the Consumer API. These actions map to the scopes (e.g. openid address email phone profile banno).
• The id_token contains authentication information about the user (i.e. claims).
• The refresh_token is a credential that can be used to retrieve a new access token (e.g. for when the access token has expired or otherwise been invalidated).
• Both the access_token and id_token are in JSON Web Token (JWT) format (see RFC 7519 for specification details).

Next steps

Congratulations! Continue your learning journey:

• Authentication (Command Line)
• Overview
• API Reference
• Guide: Refresh Tokens