Aggregate Investment Account

Overview

The Aggregate Investment Account insight is a refresh-triggered insight that recommends aggregating the investment account. The insight is generated only if the system identifies an investment transaction in any of the user's aggregated bank or card accounts.

Following are the additional details for the insight:

Insight Name	AGGREGATE_INVESTMENT_ACCOUNT
Applicable Entity	ACCOUNT
Insight Type	AGGREGATE
Trigger Type	REFRESH
Supported Containers	BANK, CARD

Use Cases

Customer:
- More User Data - Build a better financial picture of the user.
User:
- A holistic view of all users’ accounts in a single place.
- More in-depth and meaningful insights with the user's full financial data in place.

Suggested Action

Provide the user an option to aggregate accounts using FastLink. For more information, see FastLink 4.0.

Duplicate Insight Checks

To prevent the same insight from generating repeatedly, the insight is generated once in 31 days (including the date of insight evaluation) for a user.

Insight Dynamic Trigger (On-Demand Evaluation)

The insight cannot be triggered on-demand using any of the on-demand trigger mechanisms currently available.

Peer Benchmarking Data

This insight does not provide peer benchmarking data.

Thresholds

Threshold does not apply to this insight.

GET Customer Subscription

The GET customer subscription API provides all the information about the defaults set for the insights that are subscribed by the customer.

Method and URL:

GET /insights/configs/customerSubscriptions

Header Parameters:

Key	Value
`Authorization`	Client credentials-based authorization	`Bearer {{Access Token}}`
	API key-based authentication	`Bearer {{JWT Token_Customer}}`
	Deprecated cobrand and user credential-based authentication	`cobSession={cobSession received in the cobrand login service}`
`Content-Type`	`application/json`
`Api-Version`	`3.0`
	`2.1`
	`2`
`Cobrand-Name`	`{Name of the Customer}`

Sample Request:

GET /insights/configs/customerSubscriptions

Sample Response:

For more information about the attributes that are returned in the API response, refer to the Insights Data Model page.

Api-Version 3.0 and 2.1 Response

{
   "customerSubscription":[
    {
            "insightName": "AGGREGATE_INVESTMENT_ACCOUNT",
            "insightTitle": "Aggregate Investment Account",
            "insightType": "AGGREGATE",
            "triggerType": "REFRESH",
            "containers": [
                "BANK",
                "CARD"
            ],
            "description": "Generates an insight when an investment transaction is identified but no corresponding investment account was found for the user",
            "applicableEntity": [
                "ACCOUNT"
            ],
            "customerConfiguration": [
                {
                    "entityType": "ACCOUNT",
                    "isSubscribed": true
                }
            ]
        }
   ]
}

Api-Version 2 Response

{
   "customerSubscription":[
    {
            "insightName": "AGGREGATE_INVESTMENT_ACCOUNT",
            "insightTitle": "Aggregate Investment Account",
            "insightType": "AGGREGATE",
            "triggerType": "REFRESH",
            "container": [
                "BANK",
                "CARD"
            ],
            "description": "Generates an insight when an investment transaction is identified but no corresponding investment account was found for the user",
            "applicableEntity": [
                "ACCOUNT"
            ],
            "customerConfiguration": [
                {
                    "entityType": "ACCOUNT",
                    "isSubscribed": true
                }
            ]
        }
   ]
}

PATCH Customer Subscription

Using the PATCH API for customer subscription, customers can change the defaults for each insight. Alternatively, customers can use the insights configuration tool to achieve the same result.

Warning!: Changing any defaults can potentially impact all users who have subscribed to this insight. If the user has overridden the customer threshold, then the user preference will be applied. For all other users, the new defaults will apply.

Method and URL:

PATCH /insights/configs/customerSubscriptions

Header Parameters:

Key	Value
`Authorization`	Client credentials-based authorization	`Bearer {{Access Token}}`
	API key-based authentication	`Bearer {{JWT Token_Customer}}`
	Deprecated cobrand and user credential-based authentication	`cobSession={cobSession received in the cobrand login service}`
`Content-Type`	`application/json`
`Api-Version`	`3.0`
	`2.1`
	`2`
`Cobrand-Name`	`{Name of the Customer}`

Editable Parameters:

Editable Attributes	Impact	Allowed Values
isSubscribed	Subscribes or unsubscribes all the users from the Aggregate Investment Account insight.	true, false
insightTitle	The title returned in the GET feed API as well as the insights config tool can be changed.	Alphanumeric characters up to 100 characters (including spaces)

Sample Request:

{
    "customerSubscription": [
        {
            "insightName": "AGGREGATE_INVESTMENT_ACCOUNT",
            "insightTitle": "Aggregate Investment Account",
            "customerConfiguration": [
                {
                    "entityType": "ACCOUNT",
                    "isSubscribed": true
                }
            ]
        }
    ]
}

Response Messages:

HTTP Status Code	Reason
400	Y806: Invalid Input
400	Y800: Invalid value for insightName
400	Y800: Invalid value for insightTitle; special characters ><\"'%{}\|^~[] are not supported
400	Y801: Invalid length for insightTitle; min 3 and max 100 characters including spaces are allowed.
400	Y802: For insight AGGREGATE_INVESTMENT_ACCOUNT, modifying applicableEntity is not allowed
400	Y802: For insight AGGREGATE_INVESTMENT_ACCOUNT, modifying triggerType is not allowed
400	Y802: For insight AGGREGATE_INVESTMENT_ACCOUNT, modifying container is not allowed
400	Y802: For insight AGGREGATE_INVESTMENT_ACCOUNT, modifying description is not allowed
400	Y800: Invalid value for isSubscribed; Supported values are true, false
400	Y825: Update not allowed without a valid request body
400	Y803: Invalid request; Either a valid insightTitle or customerConfiguration is required.
400	Y802: Specifying frequency attribute for AGGREGATE_INVESTMENT_ACCOUNT insight is not allowed
400	Y802: Specifying duration attribute for AGGREGATE_INVESTMENT_ACCOUNT insight is not allowed
400	Y802: For AGGREGATE_INVESTMENT_ACCOUNT insight passing threshold is not allowed
400	Y812: Required field/value - insightName missing in the request
400	Y802: Modifying InsightType attribute is not allowed
400	Y813: entityType should be provided
400	Y803: At least one additional attribute is required in addition to entityType.
400	Y800: Invalid value for customerConfiguration; customerConfiguration is either missing, duplicated, or has insufficient/ incorrect attributes.
400	Y800: Invalid value for entityType. Supported entityType for AGGREGATE_INVESTMENT_ACCOUNT insight are - [ACCOUNT]
400	Y800 : Invalid value for input json
401	Y020: Invalid token in authorization header
401	Y020: Token has expired

GET User Subscription

The GET user subscription API provides all the information about the user defaults set for the insight.

The entityId filter does not apply to this insight.

Method and URL:

GET /insights/configs/userSubscriptions

Header Parameters:

Key	Value
`Authorization`	Client credentials-based authorization	`Bearer {{Access Token}}`
	API key-based authentication	`Bearer {{JWT Token_Customer}}`
	Deprecated cobrand and user credential-based authentication	`cobSession={cobSession received in the cobrand login service}, userSession={userSession received in the user login service}`
`Content-Type`	`application/json`
`Api-Version`	`3.0`
	`2.1`
	`2`
`Cobrand-Name`	`{Name of the Customer}`

Sample Request:

GET /insights/configs/userSubscriptions?insightName=AGGREGATE_INVESTMENT_ACCOUNT

Sample Response:

For more information about the attributes that are returned in the API response, refer to the Insights Data Model page.

Api-Version 3.0 and 2.1 Response

{
   "userSubscription":[
    {
            "insightName": "AGGREGATE_INVESTMENT_ACCOUNT",
            "insightTitle": "Aggregate Investment Account",
            "insightType": "AGGREGATE",
            "triggerType": "REFRESH",
            "containers": [
                "BANK",
                "CARD"
            ],
            "description": "Generates an insight when an investment transaction is identified but no corresponding investment account was found for the user",
            "applicableEntity": [
                "ACCOUNT"
            ],
            "userConfiguration": [
                {
                    "entityType": "ACCOUNT",
                    "isSubscribed": true
                }
            ],
            "customerConfiguration": [
                {
                    "entityType": "ACCOUNT",
                    "isSubscribed": true
                }
            ]
        }
   ]
}

Api-Version 2 Response

{
   "userSubscription":[
    {
            "insightName": "AGGREGATE_INVESTMENT_ACCOUNT",
            "insightTitle": "Aggregate Investment Account",
            "insightType": "AGGREGATE",
            "triggerType": "REFRESH",
            "container": [
                "BANK",
                "CARD"
            ],
            "description": "Generates an insight when an investment transaction is identified but no corresponding investment account was found for the user",
            "applicableEntity": [
                "ACCOUNT"
            ],
            "userConfiguration": [
                {
                    "entityType": "ACCOUNT",
                    "isSubscribed": true
                }
            ],
            "customerConfiguration": [
                {
                    "entityType": "ACCOUNT",
                    "isSubscribed": true
                }
            ]
        }
   ]
}

PATCH User Subscription

Using the PATCH user subscription API for user subscription, users can change the defaults for each insight. If the user wants the insight to be evaluated for a new account, then add that account using the PATCH user subscription API. The customer default threshold values will apply if the user has not set any values.

Method and URL:

PATCH /insights/configs/userSubscriptions

Header Parameters:

Key	Value
`Authorization`	Client credentials-based authorization	`Bearer {{Access Token}}`
	API key-based authentication	`Bearer {{JWT Token_Customer}}`
	Deprecated cobrand and user credential-based authentication	`cobSession={cobSession received in the cobrand login service}, userSession={userSession received in the user login service}`
`Content-Type`	`application/json`
`Api-Version`	`3.0`
	`2.1`
	`2`
`Cobrand-Name`	`{Name of the Customer}`

Editable Parameters:

Editable Attributes	Impact	Allowed Values
isSubscribed	Subscribes or unsubscribes from the Aggregate Investment Account insight.	true, false

Sample Request:

{
   "userSubscription":[
      {
         "insightName":"AGGREGATE_INVESTMENT_ACCOUNT",
         "userConfiguration":[
            {
               "entityType":"ACCOUNT",
               "isSubscribed":true
            }
         ]
      }
   ]
}

Error Messages:

HTTP Status Code	Reason
400	Y806: Invalid input
400	Y800: Invalid value for insightName
400	Y800: Invalid value for input param in AGGREGATE_INVESTMENT_ACCOUNT insight
400	Y802: Modifying insightTitle using this API is not allowed
400	Y802: For insight AGGREGATE_INVESTMENT_ACCOUNT, modifying applicableEntity is not allowed
400	Y802: For insight AGGREGATE_INVESTMENT_ACCOUNT, modifying triggerType is not allowed
400	Y802: For insight AGGREGATE_INVESTMENT_ACCOUNT, modifying container is not allowed
400	Y802: For insight AGGREGATE_INVESTMENT_ACCOUNT, modifying description is not allowed
400	Y802: Specifying frequency attribute for AGGREGATE_INVESTMENT_ACCOUNT insight is not allowed
400	Y800: Invalid value for isSubscribed; Supported values are true, false
400	Y802: Specifying duration attribute for AGGREGATE_INVESTMENT_ACCOUNT insight is not allowed
400	Y825: Update not allowed without a valid request body
400	Y802: For AGGREGATE_INVESTMENT_ACCOUNT insight passing threshold is not allowed
400	Y812: Required field/value - insightName missing in the request
400	Y802: Modifying InsightType attribute is not allowed
400	Y813: entityType should be provided
400	Y803: At least one additional attribute is required in addition to entityType.
400	Y800: Invalid value for userConfiguration; userConfiguration is either missing, duplicated, or has insufficient/ incorrect attributes
400	Y802: For insight AGGREGATE_INVESTMENT_ACCOUNT, configurations at an entityId level are not allowed
400	Y800: Invalid value for entityType. Supported entityType for AGGREGATE_INVESTMENT_ACCOUNT insight are - [ACCOUNT]
400	Y800 : Invalid value for input json
401	Y020: Invalid token in authorization header
401	Y020: Token has expired

GET Insight Feeds

The GET insights feed API retrieves all or a subset of the valid insight notifications generated for a particular user. However, using the insightName filter, you can specifically request for the Aggregate Investment Account insight only.

The entityId filter does not apply to this insight.

Method and URL:

GET /insights/feed

Header Parameters:

Key	Value
`Authorization`	Client credentials-based authorization	`Bearer {{Access Token}}`
	API key-based authentication	`Bearer {{JWT Token_Customer}}`
	Deprecated cobrand and user credential-based authentication	`cobSession={cobSession received in the cobrand login service}, userSession={userSession received in the user login service}`
`Content-Type`	`application/json`
`Api-Version`	`3.0`
	`2.1`
	`2`
`Cobrand-Name`	`{Name of the Customer}`

Sample Request:

GET /insights/feed?insightName=AGGREGATE_INVESTMENT_ACCOUNT

Sample Response:

For more information about the attributes that are returned in the API response, refer to the Insights Data Model page.

{
   "feed":[
      {
         "id":"60d43d9fd59fdb46b0c91193",
         "insightName":"AGGREGATE_INVESTMENT_ACCOUNT",
         "insightTitle":"Aggregate Investment Account",
         "insightType":"AGGREGATE",
         "triggerType":"REFRESH",
         "createdDate":"2021-06-24T08:08:58Z",
         "subscription":[
            {
               "entityType":"ACCOUNT"
            }
         ],
         "basicAccount":[
            {
               "id":13709572,
               "providerName":"Dag Site",
               "accountName":"PDV Test Data- All Category",
               "accountType":"OTHER",
               "isAsset":true,
               "container":"bank",
               "link":{
                  "entityName":"account",
                  "url":"/accounts?accountId=13709572"
               },
               "basicTransaction":[
                  {
                     "id":47307407,
                     "amount":{
                        "amount":9999.0,
                        "currency":"USD"
                     },
                     "date":"2021-06-14",
                     "link":{
                        "entityName":"transaction",
                        "url":"/derived/transactions?transactionId=47307407"
                     },
                     "categoryId":36,
                     "category":"Securities Trades",
                     "categoryType":"TRANSFER",
                     "baseType":"DEBIT",
                     "description":{
                        "original":"electronic/ach debit edward XXX-XXX-XXXones investXXX-XXX-XXXent ***** *********",
                        "simple":"electronic/ach debit edward XXones investXXent ***** *********"
                     },
                     "sourceType":"AGGREGATED",
                     "merchantType":"OTHERS",
                     "basicMerchant":{
                        "name":"Edward Jones"
                     }
                  }
               ],
               "message":{
                  "messageText":"You have investment transactions but you haven't aggregated any investment account. Aggregate to let us help track your investments accurately."
               }
            }
         ]
      }
   ]
}