Retrieve Characteristics associated with an individual Customer based on their financial data.
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openapi: 3.2.0
info:
title: 'Bud API Services: Documentation Retrieve Customer…'
version: 2.10.10
description: '# Overview
## Introduction
Welcome to Bud''s API Platform documentation.'
contact:
name: Bud Support
email: help@thisisbud.com
url: https://www.thisisbud.com/
x-logo:
url: data:image/png;base64,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
servers:
- url: https://api-sandbox.thisisbud.com
tags:
- name: Retrieve Customer Characteristics
x-displayName: Retrieve Customer Characteristics
description: Retrieve Characteristics associated with an individual Customer based on their financial data.
paths:
/characteristics/v1/customer:
get:
tags:
- Retrieve Customer Characteristics
summary: Retrieve Customer Characteristics
description: 'Retrieves a collection of characteristics associated with an individual Customer.
For data on why an individual characteristic applies to a Customer, use the relevant detailed endpoint.
The currently supported characteristics are:
| Characteristic | Description |
|:---------------|:-----------------------------------------------------------|
| `credit_card` | Customer has made credit card repayments |
| `loan` | Customer has made loan repayments (excluding credit cards) |
| `overdraft` | Customer has paid overdraft fees |
| `saver` | Customer has savings transactions |
New characteristics will be released and added to this list without a breaking change notice.'
operationId: characteristics_v1_customer_get
security:
- OAuth2: []
parameters:
- $ref: '#/components/parameters/ClientId'
- $ref: '#/components/parameters/CustomerId'
- $ref: '#/components/parameters/CustomerIdempotentIdentifier'
- $ref: '#/components/parameters/CustomerSecret'
responses:
'200':
description: OK
content:
application/json:
schema:
$ref: '#/components/schemas/GetCustomerCharacteristicsResponse'
examples:
Multiple Characteristics:
value:
operation_id: characteristics_v1_customer_get
data:
- type: credit_card
link: characteristics/v1/customer/credit_card
- type: loan
link: characteristics/v1/customer/loan
- type: overdraft
link: characteristics/v1/customer/overdraft
- type: saver
link: characteristics/v1/customer/saver
No Characteristics:
value:
operation_id: characteristics_v1_customer_get
data: []
'401':
description: Unauthorised request
5XX:
description: An unexpected error occurred on the server side
/characteristics/v1/customer/credit-card:
get:
tags:
- Retrieve Customer Characteristics
summary: Retrieve Customer Characteristics - Credit Card
description: Retrieves detailed information for a customer that marks them as a credit card user.
operationId: characteristics_v1_customer_credit_card_get
security:
- OAuth2: []
parameters:
- $ref: '#/components/parameters/ClientId'
- $ref: '#/components/parameters/CustomerId'
- $ref: '#/components/parameters/CustomerIdempotentIdentifier'
- $ref: '#/components/parameters/CustomerSecret'
responses:
'200':
description: OK
content:
application/json:
schema:
$ref: '#/components/schemas/GetCreditCardCharacteristicsResponse'
example:
operation_id: characteristics_v1_customer_credit_card_get
data:
credit_card_transactions:
- transaction_id: 864a3efc-6104-4dde-99a0-c3d91a8bcecf
account_id: ad7d5904-39ab-4736-b726-5792c7a2146e
credit_debit_indicator: debit
description: CREDIT CARD PAYMENT
provider: BankOfBud
status: booked
amount:
value: '1234.56'
currency: GBP
date_time: '2023-07-03T10:00:00Z'
enrichments:
categories:
l1:
slug: borrowing_and_loans
confidence: '0.99'
l2:
slug: credit_cards
confidence: '0.99'
credit_card_transaction_totals:
- amount:
value: '1234.56'
currency: GBP
credit_debit_indicator: debit
'401':
description: Unauthorised request
5XX:
description: An unexpected error occurred on the server side
/characteristics/v1/customer/loan:
get:
tags:
- Retrieve Customer Characteristics
summary: Retrieve Customer Characteristics - Loan
description: Retrieves detailed information for a customer that marks them as a loan user.
operationId: characteristics_v1_customer_loan_get
security:
- OAuth2: []
parameters:
- $ref: '#/components/parameters/ClientId'
- $ref: '#/components/parameters/CustomerId'
- $ref: '#/components/parameters/CustomerIdempotentIdentifier'
- $ref: '#/components/parameters/CustomerSecret'
responses:
'200':
description: OK
content:
application/json:
schema:
$ref: '#/components/schemas/GetLoanCharacteristicsResponse'
example:
operation_id: characteristics_v1_customer_loan_get
data:
loan_transactions:
- transaction_id: 864a3efc-6104-4dde-99a0-c3d91a8bcecf
account_id: ad7d5904-39ab-4736-b726-5792c7a2146e
credit_debit_indicator: debit
description: CAR LOAN REPAYMENT
provider: BankOfBud
status: booked
amount:
value: '1234.56'
currency: GBP
date_time: '2023-07-03T10:00:00Z'
enrichments:
categories:
l1:
slug: borrowing_and_loans
confidence: '0.92'
l2:
slug: vehicle_loan
confidence: '0.80'
loan_transaction_totals:
- amount:
value: '1234.56'
currency: GBP
credit_debit_indicator: debit
'401':
description: Unauthorised request
5XX:
description: An unexpected error occurred on the server side
/characteristics/v1/customer/overdraft:
get:
tags:
- Retrieve Customer Characteristics
summary: Retrieve Customer Characteristics - Overdraft
description: Retrieves detailed information for a customer that marks them as an overdraft user.
operationId: characteristics_v1_customer_overdraft_get
security:
- OAuth2: []
parameters:
- $ref: '#/components/parameters/ClientId'
- $ref: '#/components/parameters/CustomerId'
- $ref: '#/components/parameters/CustomerIdempotentIdentifier'
- $ref: '#/components/parameters/CustomerSecret'
responses:
'200':
description: OK
content:
application/json:
schema:
$ref: '#/components/schemas/GetOverdraftCharacteristicsResponse'
example:
operation_id: characteristics_v1_customer_overdraft_get
data:
overdraft_transactions:
- transaction_id: 864a3efc-6104-4dde-99a0-c3d91a8bcecf
account_id: ad7d5904-39ab-4736-b726-5792c7a2146e
credit_debit_indicator: debit
description: OVERDRAFT FEE
provider: BankOfBud
status: booked
amount:
value: '12.34'
currency: GBP
date_time: '2023-07-03T10:00:00Z'
enrichments:
categories:
l1:
slug: banking
confidence: '0.92'
l2:
slug: overdraft_fees
confidence: '0.80'
overdraft_transaction_totals:
- amount:
value: '12.34'
currency: GBP
credit_debit_indicator: debit
'401':
description: Unauthorised request
5XX:
description: An unexpected error occurred on the server side
/characteristics/v1/customer/saver:
get:
tags:
- Retrieve Customer Characteristics
summary: Retrieve Customer Characteristics - Saver
description: Retrieves detailed information for a customer that marks them as a saver.
operationId: characteristics_v1_customer_saver_get
security:
- OAuth2: []
parameters:
- $ref: '#/components/parameters/ClientId'
- $ref: '#/components/parameters/CustomerId'
- $ref: '#/components/parameters/CustomerIdempotentIdentifier'
- $ref: '#/components/parameters/CustomerSecret'
responses:
'200':
description: OK
content:
application/json:
schema:
$ref: '#/components/schemas/GetSaverCharacteristicsResponse'
example:
operation_id: characteristics_v1_customer_saver_get
data:
saver_transactions:
- transaction_id: 864a3efc-6104-4dde-99a0-c3d91a8bcecf
account_id: ad7d5904-39ab-4736-b726-5792c7a2146e
credit_debit_indicator: debit
description: SAVINGS
provider: BankOfBud
status: booked
amount:
value: '150.00'
currency: GBP
date_time: '2023-07-03T10:00:00Z'
enrichments:
categories:
l1:
slug: pensions_savings_and_investments
confidence: '0.99'
l2:
slug: savings
confidence: '0.99'
saver_transactions_totals:
- amount:
value: '12.34'
currency: GBP
credit_debit_indicator: debit
'401':
description: Unauthorised request
5XX:
description: An unexpected error occurred on the server side
components:
schemas:
TransactionTotal:
type: object
description: Totals of all included transactions for the specified currency.
required:
- amount
- credit_debit_indicator
properties:
amount:
$ref: '#/components/schemas/BudAmount'
credit_debit_indicator:
type: string
description: Credit/Debit Indicator
enum:
- credit
- debit
GetCreditCardCharacteristicsResponse:
title: Get Credit Card Customer Characteristics Response
type: object
required:
- operation_id
- data
properties:
operation_id:
type: string
enum:
- characteristics_v1_customer_credit_card_get
data:
type: object
properties:
credit_card_transactions:
type: array
items:
$ref: '#/components/schemas/CustomerCharacteristicTransaction'
credit_card_transaction_totals:
type: array
items:
$ref: '#/components/schemas/TransactionTotal'
GetOverdraftCharacteristicsResponse:
title: Get Overdraft Customer Characteristics Response
type: object
required:
- operation_id
- data
properties:
operation_id:
type: string
enum:
- characteristics_v1_customer_overdraft_get
data:
type: object
properties:
overdraft_transactions:
type: array
items:
$ref: '#/components/schemas/CustomerCharacteristicTransaction'
overdraft_transaction_totals:
type: array
items:
$ref: '#/components/schemas/TransactionTotal'
BudMonetaryValue:
title: Monetary Value
description: "The value of the monetary amount. The value is formatted with the number of decimal places for the respective currency. \n\nExample: `10.98`\n"
type: string
GetCustomerCharacteristicsResponse:
title: Retrieve Customer Characteristics Response
type: object
required:
- operation_id
- data
properties:
operation_id:
type: string
enum:
- characteristics_v1_customer_get
data:
type: array
items:
$ref: '#/components/schemas/CustomerCharacteristicSimple'
CustomerCharacteristicSimple:
title: Customer Characteristic
type: object
properties:
type:
title: Characteristic Type
type: string
description: 'The type of customer characteristic. Currently supported values include:
- `credit_card`
- `loan`
- `overdraft`
- `saver`
However clients integrating with this endpoint should expect more to be added without notice.
'
link:
title: Characteristic Details Link
type: string
description: The URL to follow to get detailed Characteristic information about the customer.
CustomerCharacteristicTransaction:
title: Customer Characteristic Transaction
type: object
description: A financial transaction
required:
- transaction_id
- account_id
- description
- amount
- credit_debit_indicator
- status
- date_time
properties:
transaction_id:
type: string
description: Unique identifier for the transaction. May be mutable depending on original ingestion source.
account_id:
type: string
description: Identifier for the account associated with the transaction.
provider:
type: string
description: Name of the transaction source provider. Optional as it may not have been supplied when using first party data.
description:
type: string
description: Description of the transaction.
credit_debit_indicator:
type: string
description: Credit/Debit Indicator
enum:
- credit
- debit
status:
type: string
description: Status of the transaction. Defaults to booked.
enum:
- booked
- pending
amount:
$ref: '#/components/schemas/BudAmount'
date_time:
type: string
description: Date of the transaction compliant with RFC3339.
enrichments:
type: object
description: Contextual enrichments associated with a Transaction
properties:
categories:
$ref: '#/components/schemas/components_schemas-Categories'
Category:
title: Category
type: object
description: Category associated with a Transaction
required:
- slug
- confidence
properties:
slug:
type: string
description: Unique human readable identifier of the category. Not subject to version control.
confidence:
type: string
description: Degree of belief of correct assignment, expressed as a probability.
GetSaverCharacteristicsResponse:
title: Get Saver Customer Characteristics Response
type: object
required:
- operation_id
- data
properties:
operation_id:
type: string
enum:
- characteristics_v1_customer_saver_get
data:
type: object
properties:
saver_transactions:
type: array
items:
$ref: '#/components/schemas/CustomerCharacteristicTransaction'
saver_transaction_totals:
type: array
items:
$ref: '#/components/schemas/TransactionTotal'
BudCurrency:
title: Currency
description: 'The three-letter [ISO currency code](https://www.iso.org/iso-4217-currency-codes.html) of the monetary amount.
Example: `GBP`
'
type: string
BudAmount:
title: Standard Bud Amount
type: object
description: The monetary amount.
required:
- value
- currency
properties:
value:
$ref: '#/components/schemas/BudMonetaryValue'
currency:
$ref: '#/components/schemas/BudCurrency'
components_schemas-Categories:
title: Categories
type: object
description: 'Categories enrichment associated with a Transaction, as generated by Bud''s artificial intelligence models.
Currently two levels of category are supported, with `l1` being a coarse-grained category level and `l2` being more refined.
'
properties:
l1:
$ref: '#/components/schemas/Category'
description: Level 1 Category
l2:
$ref: '#/components/schemas/Category'
description: Level 2 Category
GetLoanCharacteristicsResponse:
title: Get Loan Customer Characteristics Response
type: object
required:
- operation_id
- data
properties:
operation_id:
type: string
enum:
- characteristics_v1_customer_loan_get
data:
type: object
properties:
loan_transactions:
type: array
items:
$ref: '#/components/schemas/CustomerCharacteristicTransaction'
loan_transaction_totals:
type: array
items:
$ref: '#/components/schemas/TransactionTotal'
parameters:
CustomerId:
in: header
name: X-Customer-Id
schema:
type: string
format: uuid
required: true
description: A unique identifier for a Customer, as registered on Bud's platform.
example: c3339af9-2426-44d4-9c4d-ddb8fd281e23
ClientId:
in: header
name: X-Client-Id
schema:
type: string
required: true
description: The API Client Identifier (Service Application Identifier).
example: 8711bbef-b357-4c2d-97ca-0d9df4206e9a
CustomerIdempotentIdentifier:
in: header
name: X-Customer-Idempotent-Identifier
schema:
type: string
description: 'Use the internal client identifier, provided in the `client_metadata` object when creating the customer in __Create Customer V3__, in place of an `X-Customer-Id` header.
'
CustomerSecret:
in: header
name: X-Customer-Secret
schema:
type: string
required: false
description: The Bud Customer secret used to encrypt customer data. This is required only if the customer secret is not already stored with Bud.
securitySchemes:
Basic:
type: http
scheme: basic
OAuth2:
type: oauth2
flows:
clientCredentials:
tokenUrl: /v1/oauth/token
scopes: {}
description: "\nAuthentication flow:\n\n1. Perform OAuth2 Client Credentials authentication using API Credentials (`client_id`,`client_secret`) to obtain an `access_token` against `/v1/oauth/token` endpoint,\n2. Use `access_token` as Bearer Authorisation for every other API request,\n3. Include `X-Client-Id` (=client_id) within the header of every API request,\n4. Note that some of the requests may also require `X-Customer-Id` to be provided within the request header.\n\n### Examples\nObtain OAuth2 `access_token` and `refresh_token` using `grant_type=client_credentials` and HTTP Basic auth header\n\n```\ncurl --basic --user {{client_id}}:{{client_secret}} \\\n -X POST https://api-sandbox.thisisbud.com/v1/oauth/token \\\n -H 'Content-Type: application/x-www-form-urlencoded' \\\n -d grant_type=client_credentials\n```\n\nSuccessful response:\n```\n{\n \"operation_id\": \"oauth_token_post\",\n \"data\": {\n \"access_token\": \"dd0c17e3fd6d2ce94aa091257a3ea393b4f9b5cf3d3e998f07dc9826da86ff15\",\n \"token_type\": \"bearer\",\n \"expires_in\": 3600,\n \"refresh_token\": \"fac32cca7559d9f6e8f1dfe9a99c71fa1dcfeb482bedf287d7934d2667ae54b3\"\n }\n}\n```\n\nRefresh `access_token` token using `refresh_token` against `/v1/oauth/token` endpoint with `grant_type=refresh_token`\n\n```\ncurl -X POST \\\n https://api-sandbox.thisisbud.com/v1/oauth/token \\\n -H 'Content-Type: application/x-www-form-urlencoded' \\\n -H 'X-Client-Id: {{client_id}}' \\\n -d 'grant_type=refresh_token&refresh_token={{refresh_token}}'\n```\n\nSuccessful response:\n```\n{\n \"operation_id\": \"oauth_token_post\",\n \"data\": {\n \"access_token\": \"cc0c17e3fd6d2ce94aa091257a3ea393b4f9b5cf3d3e998f07dc9826da86ff94\",\n \"token_type\": \"bearer\",\n \"expires_in\": 3600,\n \"refresh_token\": \"ffc30cca7559d9f6e8f1dfe9a99c71fa1dcfeb482bedf287d7934d2667ae54b3\"\n }\n}\n```\n"
x-tagGroups:
- name: ''
tags:
- OAuth2
- Authentication
- name: ''
tags:
- Create a Connection
- Manage a Connection
- Ingest First Party Data
- Connect API
- name: ''
tags:
- Manage Customers
- Customers API
- name: ''
tags:
- Enrichment Resources
- Enrichment Totals
- Enrichment API
- name: ''
tags:
- Retrieve Financial Data
- Manage Financial Data
- Correct Financial Data
- Financial Data API
- name: ''
tags:
- Spending Budgets
- Savings Goals V2
- Goals API
- name: ''
tags:
- Regular Payments Finder
- Income Finder
- Loan Finder
- Debt Collection Finder
- Product Finder
- Subscription Finder
- Smart Finders API
- name: ''
tags:
- Transaction Search
- Intelligent Search API
- name: ''
tags:
- Customer Applications
- Customer Application Links
- Aggregation Buckets
- Retrieve Affordability Report V2
- Retrieve Affordability Report
- Retrieve Affordability Risk Insights
- Assess API
- name: ''
tags:
- Initiate Payment - Bud license
- Initiate Payment - Client license
- Manage Payments
- Payments API
- name: ''
tags:
- Retrieve Customer Characteristics
- Characteristics API
- name: ''
tags:
- Retrieve Actionable Insights
- Custom Insights
- Frontend Widgets
- Insights API