August 2016 Release Notes

New Features and Enhancements Summary

  1. The following are the new services available as part of this release.
    1. Update user details
    2. Add manual account
      1. Manual account support is available for bank, credit card, investment, insurance, bill, and loan containers.
    3. Update manual/aggregated account
    4. Get access tokens
  2. The delete account service has been enhanced to delete a manual account.
  3. The get accounts service has been enhanced to return manual accounts along with aggregated accounts..
  4. The get accounts details service has been enhanced to return the details of a manual account when providing the manual account id as input.
  5. The get net worth service has been enhanced:
    1. to consider only the accounts which has the include in networth attribute set to “TRUE”.
    2. to consider a manual account if the account is to be included in the net worth total.
  6. The get transactions and get transaction summary services have been enhanced to accept multiple category types and multiple high level category id(s).
  7. The get transaction count has been enhanced to accept multiple category id(s), category types, and high level category id(s).
  8. The get transaction service keyword search has been enhanced to return transactions that contain the keyword in original, simple, and consumer descriptions.
  9. The get providers service will no longer return :
    1. Sites that only have containers that have been deprecated by Yodlee.
    2. Containers that have been deprecated by Yodlee.
    Note: The list of supported containers are bank, card, investment, insurance, loan/mortgage, bills, and rewards.
  10. The get providers service is enhanced to provide localized provider data depending on the locale of the user or customer (cobrand) preference. The preference order is: user login locale, user preference locale, customer login locale, and customer default locale.
  11. If the locale is not passed in the user login API, the user’s default locale will be provided in the output along with user’s session.
  12. If the locale is not passed in the cobrand login API, the cobrand’s default locale will be provided in the output along with the cobrand’s session.
  13. The get holding summary service has been enhanced to accept accountIds as inputs and the summaries will be provided for the same.
  14. Yodlee TransactionData Enrichment(TDE) feature has been introduced. Customers will start seeing the newer categories only if the feature is turned on for them.  

New API Details

Endpoint Details
      /{cobrandName}/v1/user The update user profile service is introduced to update the user’s details
    /{cobrandName}/v1/accounts

The add account service is introduced to create a manual account
      /{cobrandName}/v1/accounts/{accountId}

The update account service has been introduced to update the details of manual and aggregated accounts.
      /{cobrandName}/v1/user/accessTokens

The get access token has been introduced to retrieve the access token for application id(s).

Existing APIs Enhancement Details

Endpoint Enhancement Details
      /{cobrandName}/v1/accounts

      /{cobrandName}/v1/accounts/{accountId}

The service response has been enhanced to provide manual accounts as part of the response.
The following parameters are the complete list of parameters available in the response for a manual account:

  1. accountType
  2. isManual
  3. isAsset
  4. accountName
  5. nickname
  6. accountNumber
  7. balance
  8. currency
  9. loginName
  10. password
  11. includeInNetworth
  12. memo
  13. amountDue
  14. dueDate
  15. accountStatus

Note: The parameters in the response vary depending on the account type. The service response has been enhanced to provide locale support for the following fields.

  1. accountName
  2. providerName
  3. holderName

The field originationDate has been introduced in the response for aggregated loan accounts.
      /{cobrandName}/v1/transactions

The service has been enhanced to accept multiple values for the following input parameters:
high level category id
category type

The service has been enhanced to provide the following new fields

  1. runningBalance (available only for bank, card, and investment accounts)
  2. parentCategoryId
  3. splitSource
  4. splitType
  5. parentId
  6. subType
  7. merchant - id
  8. merchant - categoryLabel
  9. merchant - source
      /{cobrandName}/v1/derived/transactionSummary

The service has been enhanced to accept multiple values for the parameter:
a. high level category id
b. category type
      /{cobrandName}/v1/transactions/count

The service has been enhanced to accept multiple values for the following parameters:

  1. high level category id
  2. category type
  3. category id.
      /{cobrandName}/v1/providers

The service has been enhanced to provide the following parameters:

  1. languageISOCode
  2. localizedProviderAttributes
    1. countryISOCode
    2. languageISOCode
    3. name
    4. nameWithCountry
    5. loginUrl
    6. baseUrl
    7. help
    8. forgetPasswordUrl
    9. loginHelp
    10. authType
      /{cobrandName}/v1/providers/{providerId}

The service has been enhanced to provide the following parameters:

  • languageISOCode
  • authType

The service has been enhanced to provide the value of the following parameters in the user’s preferred language:

loginForm

  • forgetPasswordURL
  • help
  • label
      /{cobrandName}/v1/providers/providerAccounts

      /{cobrandName}/v1/providers/providerAccounts/{providerAccountId}

The services have been enhanced to provide the following parameters in the response:

  1. providerId
  2. isManual

Deprecated APIs

Endpoint Alternate endpoint with additional enhancements
    /{cobrandName}/v1/transactions/{transactionId}       /{cobrandName}/v1/transactions/{transactionId}
    /{cobrandName}/v1/accounts/{accountId}       /{cobrandName}/v1/accounts/{accountId}
      /{cobrandName}/v1/user/credentials/token       /{cobrandName}/v1/user/accessTokens

Known Issues

  • Following are the search functionality issues in get transactions and count service:
    • When the keyword inputs contain special characters like < > ( ) = ~ ? , $ _ &, the relevant transactions are not returned in the response.
    • When the keyword input contain one double quotes or one single quote, the relevant transactions are not returned in the response.
  • RefreshInfo entity in get accounts and get account details come in the response for manual accounts. Customers need to ignore this entity as it is irrelevant for manual accounts.

Transaction Data Enrichment

Transaction Data Enrichment (TDE) provides consumers with greater clarity into their financial transactions. Powered by a machine learning engine, TDE augments financial transaction data by adding a simple description, merchant name, category, and transaction type in a contextualized manner based on the learnings from millions of transactions.

For the first time, TDE is made available as part of our release for bank and card containers for the US market.

  • Transaction are enriched with the following metadata through TDE:
    • Merchant name
    • Simple description
    • Contextualized Category
  • TDE also includes a new set of system-defined transaction categories and high level categories.
  • The following new fields are now available to provide more detailed classification and to augment the Category for bank and card transactions:
    • Transaction Type – the type of transaction including payments, purchases, charges & fees, etc.
    • Transaction Sub-Type – a more detailed classification that provides further information on the type of transaction, including finance charge and annual fee for charges & fees and student loan and auto loan for payments.
  • For a limited set of merchants, geo-location may be available and is typically contained to City and State. Other metadata, may also be available as listed.  
    • Address
    • City
    • State
    • Country
    • Zip
    • Longitude and Latitude coordinates
  • Population of TDE enriched fields will vary according to availability of metadata  

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