Interest Yield Inquiry

Interest Yield Inquiry is designed to retrieve the APR/APY for the consumer based on the application they are inquiring.

Message Flow

This involves the exchange of messages containing XML complex data of type MType between the Third Party Consumer and the Service Provider.

Primary Request

In the Interest Yield Inquiry request, the Third Party consumer transmits (or sends) the message IntYieldInqRq_MType containing multiple simple and complex elements.

Primary Response

In the Interest Yield Inquiry response, the Service Provider returns the message IntYieldInqRs_MType, which contains multiple simple and complex elements.

Interest Yield Inquiry Behavior

Overview

This service behaves as a calculator of the APY/APR based on input variables.

The account type AcctType element is required on the request. This conveys to the consumer the type of yield that should be returned on the response. For example, retail accounts return APY, whereas loans returns APR.

The other variables are optional. However, completed elements could impact the APY that is calculated.

The elements in the request are the same as the elements in the response.

IntYieldInqRq_MType

IntYieldInqRq_MType is a message MType element.

Contains:
  • Custom_CType.
  • IntTerm_CType references Term_CType
  • MsgRqHdr.
  • RateTerm_CType references Term_CType

Simple Elements

The following simple elements are contained within this message.

AccrMeth
The accrual method.
AcctType
The number or character that categorizes the AcctId.
CurBal
The current balance.
IntBasis
The interest base method used for the loan. Canonical values are:
  • AddOn
  • Amrtz
  • Act/360
  • Act/365
  • 30/360
  • 360/360
IntDisp
Designates the disposition of interest. Canonical values are:
  • AddBackToAcct
  • DepToAcct
  • NA
  • PayByACH
  • PayByChk
IntRate
The interest rate.
MndtryIntWthdwl
Are the interest distributions on the account required to be withdrawn. Canonical values are:
  • false
  • true
RateIdxNum
The rate index number to which the loan is tied.

Custom_CType

Custom_CType is a complex CType element.

This element is optional.

IntTerm_CType

Term_CType is a complex CType element. This complex contains loan account term information. This element is optional.

IntTerm_CType references Term_CType.

Simple Elements

The following simple elements are contained within this complex.

DaysCall
The notice and number of business days required for withdrawal. Required if TermUnits is set to Indefinite.
Desc
The generic description.
TermCnt
The integer length of the term.
TermUnits
The term units: years, months, days, indefinite. Canonical values are:
  • Days
  • Indefinite
  • Months
  • NA
  • SemiMonthly
  • Years

MsgRqHdr_CType

MsgRqHdr_CType is a complex CType element. This is the default message request header.

Contains:

  • AuthenUsrCred_CType
  • jXchangeHdr_CType

Simple Elements

The following simple elements are contained within this complex.

AuthenProdCred
Authentication of the Consumer Product Credentials in the form of a WS Security element that contains a single SAML V2.0 Assertion.

AuthenUsrCred_CType

AuthenUsrCred_CType is a complex CType element. This element represents authentication of the end-user credentials in the form of a WS Security element that contains a single SAML V2.0 Assertion.

Simple Elements

The following simple elements are contained within this complex.

Security
Defines the wsse:Security SOAP header element per section 4.

jXchangeHdr_CType

jXchangeHdr_CType is a complex CType element.

Simple Elements

The following simple elements are contained within this complex.

AuditUsrId
The user ID that the consumer would like written in the audit as performing the requested service. It varies, but it could be the same as the user ID. It is not used to authenticate. It is used to audit the Soap Header Fault.
AuditWsId
The workstation ID that the consumer would like written in the audit as performing the requested service for the Soap Header Fault. It varies, but it could be the same as the user ID.
AuthenUsrId
The user ID which the consumer would like the service provider to authenticate with for the Soap Header Fault. It is a user ID that the provider understands.

This element deprecates in accordance with XSD contract tenets. Effective date: 2017–01–01. The new complex element for user authentication credentials was added to both the Search Message Request Header SrchMsgRqHdr_CType and the Message Request Header MsgRqHdr_CType. AuthenUsrId is ignored by the service providers when the authentication user credentials AuthenUsrCred_CType package is delivered. The expectation is that the password credentials and the user name token are provided in the authentication user credential complex element in accordance with the standards established by WS-Security.

BusCorrelId
The correlation identification as related to business functions and activities.
ConsumerName
The name of the service consumer (business name) for the Soap Header Fault.
ConsumerProd
The name of the product which is consuming the service (business product name) for the Soap Header Fault.
InstEnv
An identification provided by the consumer that defines the environment in which the institution is operating. Canonical values are:
  • Prod
InstRtId
The identification of the entity of the submitted message. A financial institution entity uses the routing transit or nine-digit number assigned to financial institutions for routing as assigned by the American Bankers Association. Any leading zeros must be provided for a complete routing and transit number. A non-financial institution entity should use a mutually agreed upon identification that must contain at least one non-integer character. The canonical value is JHA.

The element is required in all message requests.

jXLogTrackingId
An identification provided by jXchange to be able to trace the request and response of a message from the third-party gateway, internal gateway, and service provider for the Soap Header Fault.
JxVer
Contains the version jXchange is running for the Soap Header Fault.
ValidConsmName
The consumer name that can be validated by enterprise governance. The canonical values are managed in a consumer/product enterprise table. The canonical value is: JHA.
ValidConsmProd
The consumer product name that can be validated by enterprise governance. The canonical values are managed in a consumer/product enterprise table.
WorkflowCorrelId
The correlation identification as related to workflow functions and activities.
jXchangeHdr_CType Deprecation Details
AuthenUserId
This element deprecates in three years in accordance with XSD contract tenets. Effective date: 2012–01–01. The new complex element for user authentication credentials was added to the Search Message Request Header, SrchMsgRqHdr_CType, and the Message Request Header, MsgRqHdr_CType. AuthenUsrId is ignored by the service providers when the authentication user credentials AuthenUsrCred_CType package is delivered. The expectation is that the password credentials and the user name token are provided in the authentication user credential complex element in accordance with the standards established by WS-Security.

RateTerm_CType

Term_CType is a complex CType element. This complex contains loan account term information. This element is optional.

RateTerm_CType references Term_CType.

Simple Elements

The following simple elements are contained within this complex.

DaysCall
The notice and number of business days required for withdrawal. Required if TermUnits is set to Indefinite.
Desc
The generic description.
TermCnt
The integer length of the term.
TermUnits
The term units: years, months, days, indefinite. Canonical values are:
  • Days
  • Indefinite
  • Months
  • NA
  • SemiMonthly
  • Years

IntYieldInqRs_MType

IntYieldInqRs_MType is a message MType element.

Contains:

  • Custom_CType
  • IntTerm_CType references Term_CType
  • MsgRqHdr
  • RateTerm_CType references Term_CType

Simple Elements

The following simple elements are contained within this message.

AccrMeth
The accrual method.
AcctType
The number or character that categorizes the AcctId.
AnnPctRate
The annual percentage rate (APR).
AnnPctYield
The annual percentage yield (APY).
CurBal
The current balance.
IntBasis
The interest base method used for the loan. Canonical values are:
  • AddOn
  • Amrtz
  • Act/360
  • Act/365
  • 30/360
  • 360/360
IntDisp
Designates the disposition of interest. Canonical values are:
  • AddBackToAcct
  • DepToAcct
  • NA
  • PayByACH
  • PayByChk
IntRate
The interest rate.
MndtryIntWthdwl
Are the interest distributions on the account required to be withdrawn. Canonical values are:
  • false
  • true
RateIdxNum
The rate index number to which the loan is tied.

Custom_CType

Custom_CType is a complex CType element.

This element is optional.

IntTerm_CType

Term_CType is a complex CType element. This complex contains loan account term information. This element is optional.

IntTerm_CType references Term_CType.

Simple Elements

The following simple elements are contained within this complex.

DaysCall
The notice and number of business days required for withdrawal. Required if TermUnits is set to Indefinite.
Desc
The generic description.
TermCnt
The integer length of the term.
TermUnits
The term units: years, months, days, indefinite. Canonical values are:
  • Days
  • Indefinite
  • Months
  • NA
  • SemiMonthly
  • Years

MsgRsHdr_CType

MsgRsHdr_CType is a complex CType element. This is the default message response header.

Contains:

  • jXchangeHdr_CType
  • MsgRecInfoArray_AType

jXchangeHdr_CType

jXchangeHdr_CType is a complex CType element.

Simple Elements

The following simple elements are contained within this complex.

AuditUsrId
The user ID that the consumer would like written in the audit as performing the requested service. It varies, but it could be the same as the user ID. It is not used to authenticate. It is used to audit the Soap Header Fault.
AuditWsId
The workstation ID that the consumer would like written in the audit as performing the requested service for the Soap Header Fault. It varies, but it could be the same as the user ID.
AuthenUsrId
The user ID which the consumer would like the service provider to authenticate with for the Soap Header Fault. It is a user ID that the provider understands.

This element deprecates in accordance with XSD contract tenets. Effective date: 2017–01–01. The new complex element for user authentication credentials was added to both the Search Message Request Header SrchMsgRqHdr_CType and the Message Request Header MsgRqHdr_CType. AuthenUsrId is ignored by the service providers when the authentication user credentials AuthenUsrCred_CType package is delivered. The expectation is that the password credentials and the user name token are provided in the authentication user credential complex element in accordance with the standards established by WS-Security.

BusCorrelId
The correlation identification as related to business functions and activities.
ConsumerName
The name of the service consumer (business name) for the Soap Header Fault.
ConsumerProd
The name of the product which is consuming the service (business product name) for the Soap Header Fault.
InstEnv
An identification provided by the consumer that defines the environment in which the institution is operating. Canonical values are:
  • Prod
InstRtId
The identification of the entity of the submitted message. A financial institution entity uses the routing transit or nine-digit number assigned to financial institutions for routing as assigned by the American Bankers Association. Any leading zeros must be provided for a complete routing and transit number. A non-financial institution entity should use a mutually agreed upon identification that must contain at least one non-integer character. The canonical value is JHA.

The element is required in all message requests.

jXLogTrackingId
An identification provided by jXchange to be able to trace the request and response of a message from the third-party gateway, internal gateway, and service provider for the Soap Header Fault.
JxVer
Contains the version jXchange is running for the Soap Header Fault.
ValidConsmName
The consumer name that can be validated by enterprise governance. The canonical values are managed in a consumer/product enterprise table. The canonical value is: JHA.
ValidConsmProd
The consumer product name that can be validated by enterprise governance. The canonical values are managed in a consumer/product enterprise table.
WorkflowCorrelId
The correlation identification as related to workflow functions and activities.
jXchangeHdr_CType Deprecation Details
AuthenUserId
This element deprecates in three years in accordance with XSD contract tenets. Effective date: 2012–01–01. The new complex element for user authentication credentials was added to the Search Message Request Header, SrchMsgRqHdr_CType, and the Message Request Header, MsgRqHdr_CType. AuthenUsrId is ignored by the service providers when the authentication user credentials AuthenUsrCred_CType package is delivered. The expectation is that the password credentials and the user name token are provided in the authentication user credential complex element in accordance with the standards established by WS-Security.

MsgRecInfoArray_AType

MsgRecInfoArray_AType is an array AType element. This is an array of messages that can be returned in a response.

Contains:

  • MsgRec_CType
MsgRec_CType

MsgRec_CType is a complex CType element.

Simple Elements

The following simple elements are contained within this complex.

ErrCat
The Soap Header Fault error category.
ErrCode
The Soap Header Fault error code.
ErrDesc
The Soap Header Fault error description.
ErrElem
The Soap Header Fault when an error or fault occurs. This optional element contains the element which is causing the error condition.
ErrElemVal
The Soap Header Fault when an error or fault occurs. This optional element contains the value of the element which is causing the error condition.
ErrLoc
The Soap Header Fault error location. This is typically the program that generated the error condition.

RateTerm_CType

Term_CType is a complex CType element. This complex contains loan account term information. This element is optional.

RateTerm_CType references Term_CType.

Simple Elements

The following simple elements are contained within this complex.

DaysCall
The notice and number of business days required for withdrawal. Required if TermUnits is set to Indefinite.
Desc
The generic description.
TermCnt
The integer length of the term.
TermUnits
The term units: years, months, days, indefinite. Canonical values are:
  • Days
  • Indefinite
  • Months
  • NA
  • SemiMonthly
  • Years