Authentication (Node.js Example)

Consumer API > Quickstarts > 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 example project, Consumer API OpenID Connect Example.

Want to learn more about Authentication? See the Authentication topic for more details.


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

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
  • User Account
Understanding Your Development Experience
Are you a financial institution?

If you are a financial institution or working directly with a financial institution, you should work with the back office administrator at your institution to get appropriate access to Banno People.

Are you a fintech or independent developer?

If you are a fintech or other developer working without a financial institution, you are likely using the JackHenry.Dev developer portal. In this case, you will not have access to Banno People, however you will still have the ability to create and configure many aspects of your external application and plugin.

For more information on this, see our troubleshooting page.

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 repo
git clone
  • Install project dependencies.
Install project dependencies.
cd consumer-api-openid-connect-example
npm install

Running the Example (Locally)

  • Complete the steps from the prerequisites section and navigate to the root folder consumer-api-openid-connect-example/.
Start the server
npm start

The server will now be running locally. You’ll see this log statement in the terminal:

Successful start output
Environment: local
Server listening on https://localhost:8080...
  • Go to https://localhost:8080/login.html in a web browser.
  • Click on Sign in with Banno and sign in with your Banno Username and Password. You’ll be redirected to https://localhost:8080/me and see the OpenID Connect claims for the user.

It’ll look similar to this example:

Example success response
  "sub": "5cad5c30-6d24-11e9-870c-0242b78f8571",
  "address": {
    "locality": "Seattle",
    "postal_code": "981090000",
    "region": "WA",
    "street_address": "400 Broad St"
  "email": "",
  "phone_number": "+15552368",
  "birthdate": "1951-03-02",
  "family_name": "Doe",
  "given_name": "Riley",
  "locale": "en-US",
  "name": "Riley Doe",
  "picture": "",
  "preferred_username": "rileydoe",
  "at_hash": "meToBgo7UfatG825BaaClQ",
  "sid": "e10597ce-4b85-4a78-890b-55e2af751c9a",
  "aud": "05166b79-4f61-484d-a4b4-2a225926bf4b",
  "exp": 1571253248,
  "iat": 1571249648,
  "iss": ""

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

Example token response
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'


  • 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).
JSON Web Tokens (JWTs) are credentials which can grant access to resources. It is important to keep them secret.

Next Steps

Congratulations! Continue your learning journey:

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Last updated Mon Dec 5 2022