iDEAL DirectoryRes (A')

Function

To deliver the Acquirer's most recent list of Issuers to the Merchant

Root

DirectoryRes

Data elements

createDateTimestamp 

 

AcquirerDirectoryCountry

Signature


countryNames

Issuer

Sub-elements

acquirerIDdirectoryDateTimestamp

issuerID
issuerName

SignedInfo
SignatureValue
KeyInfo

Request

DirectoryReq (A)

Communication

HTTP POST request with an XML message to the AcquirerDirectoryURL

Security / authentication

  • Unilateral TLS connection (Acquirer holds SSL server certificate)
  • Authentication of Acquirer based on Acquirer's SSL server certificate
  • Merchant validates the Acquirer's electronic signature to determine the authenticity of the message


(Sub-)element

Description

createDateTimestamp

Date and time at which this message was created

 More info
Note: Because the field is included in the digital signature, the value of this field must be determined prior to generating the signature.
Acquirer

acquirerID

Unique four-digit identifier of the Acquirer within iDEAL, assigned by iDEAL when registering the Acquirer. The Acquirer.acquirerID must be known to all Issuers with which the Acquirer makes agreements.

Directory

directoryDateTimestampThe date on which the list of Issuers was updated by the Acquirer

Country

(1..∞)

Contains all CountryName and Issuer sub-elements (see below)

 Note
Note: The Acquirer must place the Country elements in such a way that they are ordered alphabetically according to the field Country.countryNames.
Country
countryNamesContains the country names in the official languages of the country, separated by a '/' symbol (e.g. 'België/Belgique')

Issuer

(1..∞)

Contains an issuerID, issuerName pair (see below)

 Note

Note: An Acquirer must place the Issuer elements in each Country element in such a way that they are ordered alphabetically according to the field Issuer.issuerName.

Issuer
issuerIDUnique identifier of the Issuer that consists of the international Bank Identifier Code (BIC). The Issuer.issuerID must be known to all Acquirers with which the Issuer makes agreements.
issuerNameThe name of the Issuer (as this should be displayed to the Consumer on the Merchant's Issuer list).

Example Message 

<?xml version="1.0" encoding="UTF-8"?>
<DirectoryRes
    xmlns="http://www.idealdesk.com/ideal/messages/mer-acq/3.3.1" version="3.3.1">
    <createDateTimestamp>2008-11-14T09:30:47.0Z</createDateTimestamp>
    <Acquirer>
        <acquirerID>0001</acquirerID>
    </Acquirer>
    <Directory>
        <directoryDateTimestamp>2004-11-10T10:15:12.145Z</directoryDateTimestamp>
        <Country>
            <countryNames>Nederland</countryNames>
            <Issuer>
                <issuerID>ABNANL2AXXX</issuerID>
                <issuerName>ABN AMRO Bank</issuerName>
            </Issuer>
            <Issuer>
                <issuerID>INGBNL2AXXX</issuerID>
                <issuerName>ING</issuerName>
            </Issuer>
            <Issuer>
                <issuerID>RABONL2UXXX</issuerID>
                <issuerName>Rabobank</issuerName>
            </Issuer>
        </Country>
    </Directory>
    <Signature xmlns="http://www.w3.org/2000/09/xmldsig#">
 <!-- Signature is placed here. See Signature section for specification-->
    </Signature>
</DirectoryRes>