SIAPE/军队带找零转贷
合同列表查询
此功能仅适用于与军队 API 的集成。
持有CPF、军人注册编号和Token后,集成合作伙伴可通过以下端点查询可供购买的军人合同列表:
请求
Request Body
{
"document_number": "45507529710",
"registration_code": "146254221",
"token": "abc1234"
}
CPF 必须以文本格式提供,最多 11 个字符,不含"."和"-",左侧以零填充。
请求体参数
| 字段 | 类型 | 描述 |
|---|---|---|
document_number | string | 军人的 CPF。 |
registration_code | string | 军人注册编号。 |
token | string | 军人密码。 |
响应
Response Body
{
"portability_contracts_report_key": "3e41a8afb-e1b2-4215-8093-c4b5feab529c" ,
"status": "pending_search"
}
额度查询数据将通过 webhook 返回。
响应体参数
| 字段 | 类型 | 描述 |
|---|---|---|
portability_contracts_report_key | string | 合同列表查询的识别键。 |
status | enum | 合同列表查询状态枚举值。 |
合同列表查 询状态枚举值
| 枚举值 | 描述 |
|---|---|
pending_search | 合同列表查询等待军队系统响应。 |
failed | 合同列表查询失败。 |
succeeded | 合同列表查询成功。 |
查询成功
成功 webhook 将以如下形式返回:
Body
{
"webhook_type": "military_payroll.portability_contracts_report.status_change",
"key": "3e41a8afb-e1b2-4215-8093-c4b5feab529c",
"event_datetime": "2023-05-28T08:43:29Z",
"status": "succeeded",
"data": {
"document_number": "45507529710",
"contracts" : [
{
"econsig_id": "2361529",
"installment_amount": 10.0,
"number_of_installments": 5,
"number_of_paid_installments": 1,
"consignatory": "BANCO XPTO",
"contract_date": "2022-01-03T15:01:57Z",
"contract_status": "accepted"
}
]
}
}
查询失败
失败 webhook 将以如下形式返回:
Body
{
"webhook_type": "military_payroll.portability_contracts_report.status_change",
"key": "3e41a8afb-e1b2-4215-8093-c4b5feab529c",
"event_datetime": "2023-05-28T08:43:29Z",
"status": "failed",
"data": {
"enumerator": "military_not_found"
}
}
每个 enumerator 都有更详细的描述,为便于查阅,下表列出了每种情况的对应关系。
failure_reason 枚举值
| 枚举值 | 描述 | Zetra 代码 |
|---|---|---|
| contracts_not_found | 未找到与所提供数据匹配的合同 | 294 |
| invalid_registration_code | 提供的注册编号无效 | 210 |
| military_blocked | 查询无法完成,因为该军人已被封锁 | 352 |
| military_not_found | 未找到与所提供数据匹配的服务器 | 293 |
个人信贷业务模拟
首先需要计算清偿原信贷业务所需的个人信贷业务金额。
原债务的未偿余额应填写在 disbursed_amount 字段中。
该业务必须以仅 1 期还款进行模拟,在 D0 放款,还款日期应为放款(付款)日期起的 D+5 个工作日。
请求
{
"borrower": {
"person_type": "natural"
},
"financial": {
"disbursed_amount": 80492.95,
"monthly_interest_rate": 0.03,
"credit_operation_type": "ccb",
"disbursement_date": "2023-03-17",
"issue_date": "2023-03-17",
"fine_configuration": {
"contract_fine_rate": 0,
"interest_base": "workdays",
"monthly_rate": 0
},
"interest_grace_period": 0,
"interest_type": "pre_price_days",
"number_of_installments": 1,
"principal_grace_period": 0,
"first_due_date_delay": 5
}
}
SIAPE/军队薪资贷款业务模拟
SIAPE 薪资贷款业务的模拟,应模拟原合同的清偿以及根据可用额度和合同利率计算释放给客户的找零金额。
在此模拟中,所提供字段的值将按如下方式分配:
installment_face_value = 可扣除额度值
disbursement_date = 模拟时刻起 D+5 个工作日
due_balance = 个人信贷业务模拟中返回的第 1 期 total_amount
original_deadline = 个人信贷业务的总天数(5 天)
SIAPE 薪资贷款业务的 IOF 金额,由于其再融资个人信贷业务,将仅对应释放给客户的找零金额(新资金)。
请求
{
"borrower": {
"person_type": "natural"
},
"financial": {
"first_due_date": "2023-06-10",
"installment_face_value": 100.0,
"disbursement_date": "2023-03-22",
"number_of_installments": 96,
"monthly_interest_rate": 0.0205,
"interest_type": "pre_price_days",
"fine_configuration": {
"monthly_rate": 0.01,
"interest_base": "calendar_days",
"contract_fine_rate": 0.02
},
"credit_operation_type": "ccb",
"interest_grace_period": 0,
"principal_grace_period": 0
},
"collaterals": [{
"collateral_type": "federal_payroll/military_payroll"
}],
"refinanced_credit_operations": [
{
"due_balance": 1250.20,
"original_deadline": 120
}
]
}
data.final_disbursement_amount 字段在模拟中返回的值即为支付给客户的找零金额。
查询个人信贷业务的还款期金额
请求
DEBT-KEY 是业务创建响应中返回的键(/debt 的响应)
创建债务人名下账户
在录入提案之前,需要在 QI Tech 为债务人开设账户。
该账户将用于接收个人信贷业务的放款,并通过其他银行(通过 Boleto、TED 或 Pix)支付原债务的未偿余额。
请求
{
"is_operation_account": true,
"account_owner": {
"address": {
"city": "São Paulo",
"complement": "s/c",
"neighborhood": "Pinheiros",
"number": "215",
"postal_code": "12345012",
"state": "SP",
"street": "Gilberto Sabino"
},
"birth_date": "1961-01-30",
"document_identification": "261a8fbc-d998-4dd7-8515-ddebb212ae27",
"is_pep": false,
"mother_name": "Nome da Mãe do Devedor",
"nationality": "brasileiro",
"email": "email@email.com",
"individual_document_number": "12345678911",
"name": "Nome do Devedor",
"phone": {
"area_code": "11",
"country_code": "055",
"number": "900000000"
},
"person_type": "natural"
}
}
| 参数 | 描述 |
|---|---|
| account_owner | 债务人数据 |
| is_operation_account | 表示该账户为业务账户。 |
响应
{
"data": {
"account_info": {
"account_branch": "0001",
"account_digit": "3",
"account_number": "1234567",
"financial_institution_code": "329"
},
"account_owner": {
"document_number": "12345678911",
"name": "Nome do Devedor"
}
},
"event_datetime": "2023-03-21 12:30:24",
"key": "8ff1e73f-e87b-4641-99a6-3267030c6034",
"status": "account_pending_operation",
"webhook_type": "account"
}
/account 返回的账户数据应用作个人信贷业务的放款账户
5xx 错误或超时
在账户成功开设之前,流程不应继续。 对于失败情况,在可能的重试开户之前,应检查账户是否确实未为客户开设。
可以通过列出特定 CPF 的已开账户来检查账户是否已为客户开设。
请求
| 参数 | 描述 |
|---|---|
| owner_document_number | 债务人的 CPF |
| requester_key | 集成的内部键。 |
响应
{
"data": [{
...
"account_branch": "0001",
...
"account_digit": "2",
...
"account_key": "f600a6a9-0845-454f-b25c-a6d108ea582e",
"account_name": "Default",
"account_number": "1467576",
"account_status": {
"created_at": "2019-10-11T18:58:31",
"enumerator": "opened",
"translation_path": "account.AccountStatus.opened"
},
...
"owner_document_number": "09080702000105",
"owner_name": "Nome do Devedor",
...
}],
"pagination": {
"current_page": 1,
"next_page": null,
"rows_per_page": 100,
"total_pages": 1,
"total_rows": 1
}
}
上述响应 payload 中仅列出了相关的可读字段。
业务发行
个人信贷业务和 SIAPE 薪资贷款业务的创建,必须在同一时刻进行,每项业务具有以下配置
- 个人信贷业务:应在 D0 放款发行,仅有一期还款,到期日为放款日起 D+5 个工作日。
- SIAPE 薪资贷款业务:应在 D+0 放款发行,但放款选项可延至 D+15 个自然日,并按预期期数发行。
发行个人信贷业务时,"financial"对象必须与其模拟时发送的信息完全相同。
发行 SIAPE 薪资贷款业务时,"financial"对象将有以下差异:
- disbursement_date 字段应替换为 disbursement_start_date 和 disbursement_end_date 字段,两者之差必须为 15 个自然日。
- refinanced_credit_operations[0].operation_key 字段必须包含个人信贷业务创建返回中返回的 DEBT-KEY。
个人信贷业务只能在工作日放款,具体时间取决于原债务未偿余额的支付方式:
- TED:放款时间在 6:30 至 17:15 之间
- Boleto:放款时间在 7:00 至 22:00 之间
- Pix:任意时间(但建议在商业时间内放款,因为若操作在深夜放款,例如,Pix 的入账可能因可疑欺诈而被拒绝)
个人信贷业务发行
发行个人信贷业务时,需要发送放款后需要支付的 Boleto/TED/Pix 信息。
合作伙伴必须生成业务的内部识别键,并在债务发行请求的"requester_identifier_key"字段中发送
请求示例
- Boleto
- TED
- Chave Pix
- Pix Manual
- QrCode Pix
{
"borrower": {
"name": "Nome do Devedor",
"email": "email@email.com",
"phone": {
"number": "900000000",
"area_code": "11",
"country_code": "055"
},
"address": {
"city": "São Paulo",
"state": "SP",
"number": "215",
"street": "Gilberto Sabino",
"complement": "s/c",
"postal_code": "12345012",
"neighborhood": "Pinheiros"
},
"role_type": "issuer",
"birth_date": "1969-05-01",
"mother_name": "Nome da Mãe do Devedor",
"person_type": "natural",
"individual_document_number": "12345678911",
"gender": "male",
"nationality": "brasileiro",
"is_pep": false,
"marital_status": "married"
},
"financial": {
"disbursed_amount": 80492.95,
"annual_interest_rate": 0.20983,
"credit_operation_type": "ccb",
"disbursement_date": "2023-03-17",
"issue_date": "2023-03-17",
"fine_configuration": {
"contract_fine_rate": 0,
"interest_base": "workdays",
"monthly_rate": 0
},
"interest_grace_period": 0,
"interest_type": "pre_price_days",
"number_of_installments": 1,
"principal_grace_period": 0,
"first_due_date_delay": 5
},
"simplified": true,
"additional_data": {
"debt_payment": [{
"bank_slip": [{
"digitable_line": "10495419967200010004900031456924592920008049295",
"amount": "80492,95",
"beneficiary": "CAIXA ECONÔMICA FEDERAL",
"due_date": "2023-03-17"
}],
"funds_transfer": [],
"pix": [],
"financial_institution_code_number": "623"
}],
"issuer_account": {
"account_digit": "0",
"account_branch": "1234",
"account_number": "123456",
"financial_institution_code_number": "104"
},
"total_af_amount": 86186.52
},
"requester_identifier_key": "7ac52492-61c0-4dd6-a414-b0bf940fb7ca",
"disbursement_bank_account": {
"bank_code": "329",
"account_digit": "3",
"branch_number": "0001",
"account_number": "1234567"
},
"after_disbursement_actions": [{
"action_data": {
"digitable_line": "10495419967200010004900031456924592920008049295"
},
"action_type": "bankslip_payment"
}],
"modality": {
"code": "0203"
}
}
{
"borrower": {
"name": "Nome do Devedor",
"email": "email@email.com",
"phone": {
"number": "900000000",
"area_code": "11",
"country_code": "055"
},
"address": {
"city": "São Paulo",
"state": "SP",
"number": "215",
"street": "Gilberto Sabino",
"complement": "s/c",
"postal_code": "12345012",
"neighborhood": "Pinheiros"
},
"role_type": "issuer",
"birth_date": "1969-05-01",
"mother_name": "Nome da Mãe do Devedor",
"person_type": "natural",
"individual_document_number": "12345678911",
"gender": "male",
"nationality": "brasileiro",
"is_pep": false,
"marital_status": "married"
},
"financial": {
"disbursed_amount": 80492.95,
"annual_interest_rate": 0.20983,
"credit_operation_type": "ccb",
"disbursement_date": "2023-03-17",
"issue_date": "2023-03-17",
"fine_configuration": {
"contract_fine_rate": 0,
"interest_base": "workdays",
"monthly_rate": 0
},
"interest_grace_period": 0,
"interest_type": "pre_price_days",
"number_of_installments": 1,
"principal_grace_period": 0,
"first_due_date_delay": 5
},
"simplified": true,
"additional_data": {
"debt_payment": [{
"bank_slip": [],
"funds_transfer": [{
"amount": "4736,07",
"account_digit": "0",
"account_branch": "0897",
"account_number": "20001",
"financial_institution_code_number": "341"
}],
"pix": [],
"financial_institution_code_number": "341"
}],
"issuer_account": {
"account_digit": "0",
"account_branch": "0491",
"account_number": "100021100",
"financial_institution_code_number": "104"
},
"total_af_amount": 86186.52
},
"requester_identifier_key": "7ac52492-61c0-4dd6-a414-b0bf940fb7ca",
"disbursement_bank_account": {
"bank_code": "329",
"account_digit": "3",
"branch_number": "0001",
"account_number": "1234567"
},
"after_disbursement_actions": [{
"action_data": {
"destination": {
"name": "Nome Credor Original",
"account_digit": "0",
"account_branch": "0897",
"account_number": "20001",
"document_number": "87163234000138",
"financial_institution_code_number": "341"
},
"transaction_amount": 4736.07
},
"action_type": "funds_transfer"
}],
"modality": {
"code": "0203"
}
}
{
"borrower": {
"name": "Nome do Devedor",
"email": "email@email.com",
"phone": {
"number": "900000000",
"area_code": "11",
"country_code": "055"
},
"address": {
"city": "São Paulo",
"state": "SP",
"number": "215",
"street": "Gilberto Sabino",
"complement": "s/c",
"postal_code": "12345012",
"neighborhood": "Pinheiros"
},
"role_type": "issuer",
"birth_date": "1969-05-01",
"mother_name": "Nome da Mãe do Devedor",
"person_type": "natural",
"individual_document_number": "12345678911",
"gender": "male",
"nationality": "brasileiro",
"is_pep": false,
"marital_status": "married"
},
"financial": {
"disbursed_amount": 80492.95,
"annual_interest_rate": 0.20983,
"credit_operation_type": "ccb",
"disbursement_date": "2023-03-17",
"issue_date": "2023-03-17",
"fine_configuration": {
"contract_fine_rate": 0,
"interest_base": "workdays",
"monthly_rate": 0
},
"interest_grace_period": 0,
"interest_type": "pre_price_days",
"number_of_installments": 1,
"principal_grace_period": 0,
"first_due_date_delay": 5
},
"simplified": true,
"additional_data": {
"debt_payment": [{
"bank_slip": [],
"funds_transfer": [],
"pix": [{
"amount": "4736,07",
"account_digit": "0",
"account_branch": "0897",
"account_number": "20001",
"financial_institution_code_number": "341",
"ispb": "60701190"
}],
"financial_institution_code_number": "341"
}],
"issuer_account": {
"account_digit": "0",
"account_branch": "0491",
"account_number": "100021100",
"financial_institution_code_number": "104"
},
"total_af_amount": 86186.52
},
"requester_identifier_key": "7ac52492-61c0-4dd6-a414-b0bf940fb7ca",
"disbursement_bank_account": {
"bank_code": "329",
"account_digit": "3",
"branch_number": "0001",
"account_number": "1234567"
},
"after_disbursement_actions": [{
"action_data": {
"pix_transfer_type": "key",
"pix_key": "cahvepix@credororiginal.com.br",
"transaction_amount": 4736.07
},
"action_type": "pix"
}],
"modality": {
"code": "0203"
}
}
{
"borrower": {
"name": "Nome do Devedor",
"email": "email@email.com",
"phone": {
"number": "900000000",
"area_code": "11",
"country_code": "055"
},
"address": {
"city": "São Paulo",
"state": "SP",
"number": "215",
"street": "Gilberto Sabino",
"complement": "s/c",
"postal_code": "12345012",
"neighborhood": "Pinheiros"
},
"role_type": "issuer",
"birth_date": "1969-05-01",
"mother_name": "Nome da Mãe do Devedor",
"person_type": "natural",
"individual_document_number": "12345678911",
"gender": "male",
"nationality": "brasileiro",
"is_pep": false,
"marital_status": "married"
},
"financial": {
"disbursed_amount": 80492.95,
"annual_interest_rate": 0.20983,
"credit_operation_type": "ccb",
"disbursement_date": "2023-03-17",
"issue_date": "2023-03-17",
"fine_configuration": {
"contract_fine_rate": 0,
"interest_base": "workdays",
"monthly_rate": 0
},
"interest_grace_period": 0,
"interest_type": "pre_price_days",
"number_of_installments": 1,
"principal_grace_period": 0,
"first_due_date_delay": 5
},
"simplified": true,
"additional_data": {
"debt_payment": [{
"bank_slip": [],
"funds_transfer": [],
"pix": [{
"amount": "4736,07",
"account_digit": "0",
"account_branch": "0897",
"account_number": "20001",
"financial_institution_code_number": "341",
"ispb": "60701190"
}],
"financial_institution_code_number": "341"
}],
"issuer_account": {
"account_digit": "0",
"account_branch": "0491",
"account_number": "100021100",
"financial_institution_code_number": "104"
},
"total_af_amount": 86186.52
},
"requester_identifier_key": "7ac52492-61c0-4dd6-a414-b0bf940fb7ca",
"disbursement_bank_account": {
"bank_code": "329",
"account_digit": "3",
"branch_number": "0001",
"account_number": "1234567"
},
"after_disbursement_actions": [{
"action_data": {
"pix_transfer_type": "manual",
"target_account": {
"name": "Nome Credor Original",
"account_digit": "0",
"account_branch": "0897",
"account_number": "20001",
"document_number": "87163234000138",
"financial_institution_code_number": "341"
},
"transaction_amount": 4736.07
},
"action_type": "pix"
}],
"modality": {
"code": "0203"
}
}
{
"borrower": {
"name": "Nome do Devedor",
"email": "email@email.com",
"phone": {
"number": "900000000",
"area_code": "11",
"country_code": "055"
},
"address": {
"city": "São Paulo",
"state": "SP",
"number": "215",
"street": "Gilberto Sabino",
"complement": "s/c",
"postal_code": "12345012",
"neighborhood": "Pinheiros"
},
"role_type": "issuer",
"birth_date": "1969-05-01",
"mother_name": "Nome da Mãe do Devedor",
"person_type": "natural",
"individual_document_number": "12345678911",
"gender": "male",
"nationality": "brasileiro",
"is_pep": false,
"marital_status": "married"
},
"financial": {
"disbursed_amount": 80492.95,
"annual_interest_rate": 0.20983,
"credit_operation_type": "ccb",
"disbursement_date": "2023-03-17",
"issue_date": "2023-03-17",
"fine_configuration": {
"contract_fine_rate": 0,
"interest_base": "workdays",
"monthly_rate": 0
},
"interest_grace_period": 0,
"interest_type": "pre_price_days",
"number_of_installments": 1,
"principal_grace_period": 0,
"first_due_date_delay": 5
},
"simplified": true,
"additional_data": {
"debt_payment": [{
"bank_slip": [],
"funds_transfer": [],
"pix": [{
"amount": "4736,07",
"account_digit": "0",
"account_branch": "0897",
"account_number": "20001",
"financial_institution_code_number": "341",
"ispb": "60701190"
}],
"financial_institution_code_number": "341"
}],
"issuer_account": {
"account_digit": "0",
"account_branch": "0491",
"account_number": "100021100",
"financial_institution_code_number": "104"
},
"total_af_amount": 86186.52
},
"requester_identifier_key": "7ac52492-61c0-4dd6-a414-b0bf940fb7ca",
"disbursement_bank_account": {
"bank_code": "329",
"account_digit": "3",
"branch_number": "0001",
"account_number": "1234567"
},
"after_disbursement_actions": [{
"action_data": {
"pix_transfer_type": "qr_code",
"qr_code": "00020126870014br.gov.bcb.pix2565qrcode.qitech.app/bacen/cobv/4ec760c4-b950-4afd-af10-92c1bb7804015204000053039865802BR5925SECURITIZADORA DE CREDITO6009SAO PAULO61080540700362070503***63042FA4"
},
"action_type": "pix"
}],
"modality": {
"code": "0203"
}
}
婚姻状态枚举值
| 枚举值 | 描述 |
|---|---|
| single | 单身 |
| married | 已婚 |
| widower | 丧偶 |
| divorced | 离婚 |
5xx 错误或超时
如果请求返回 5xx 或超时,为了确认操作确实未在 QI 中创建,建议合作伙伴查询返回 5xx 或超时的操作。
如果 GET 请求返回 200,合作伙伴不应重试创建操作,而应继续操作流程。 如果返回 404 - Not Found,合作伙伴应重试创建操作。
{
"data": {
"additional_iof": 307.166388,
"annual_cet": "60,4731%",
"assignment_amount": 80833.26,
"base_iof": 33.141637696905995,
"borrower": {
"document_number": "12345678911",
"name": "Nome do Devedor"
},
"cet": "4,0200%",
"collaterals": [],
"contract": {
"external_contract_key": "351eada5-a626-404c-a3a3-f91c123270ce",
"number": "0000000001/NDD",
"signature_information": [{
"signature_url": "https://sign.qitech.com.br/s/hNrwjda",
"signer_document_number": "12345678911",
"signer_email": "email@email.com",
"signer_external_key": "56d105f3-a7f6-4442-95e9-71f44d2ae5fc",
"signer_name": "Nome do Devedor",
"signer_role": "issuer"
}],
"urls": [
"https://storage.googleapis.com/live-doc-api/documents/45e5b9c0-0f56-40a8-aace-d206f72c164d/QISCD-NOME_DO_DEVEDOR-CCB-0001212121-20230317194512.pdf"
]
},
"contract_fee_amount": 0,
"contract_fees": [],
"external_contract_fee_amount": 0,
"external_contract_fees": [],
"installments": [{
"accrual_reference_date": null,
"additional_costs": [],
"advanced_paid_amount": 0,
"bank_slip_key": null,
"business_due_date": "2023-03-22",
"calendar_days": 5,
"digitable_line": null,
"due_date": "2023-03-22",
"due_interest": 0,
"due_principal": 80833.26,
"fine_amount": null,
"has_interest": true,
"installment_history": [],
"installment_key": "75460851-2e82-4e3d-a805-b3e55b6b31d4",
"installment_number": 1,
"installment_payment": [],
"installment_status": "created",
"installment_type": "principal",
"original_due_principal": 80833.26,
"original_pre_fixed_amount": 183.5073246195304,
"original_principal_amortization_amount": 80833.26267538047,
"original_total_amount": 81016.77,
"paid_amount": 0,
"paid_at": null,
"post_fixed_amount": 0,
"pre_fixed_amount": 183.5073246195304,
"principal_amortization_amount": 80833.26267538047,
"qr_code_key": null,
"qr_code_url": null,
"renegotiation_proposal_key": null,
"tax_amount": 33.141637696905995,
"total_accrual_amount": null,
"total_amount": 81016.77,
"total_paid_amount": 0,
"workdays": 3
}],
"iof_charge_method": "financed",
"issue_amount": 80833.26,
"net_external_contract_fee_amount": 0,
"number_of_installments": 1,
"prefixed_interest_rate": {
"annual_rate": 0.20983,
"created_at": "2023-03-17T19:45:11",
"daily_rate": 0.00075616,
"interest_base": "workdays",
"monthly_rate": 0.01599997
},
"requester_identifier_key": "34427233-925d-416d-93eb-c7f5084e8359",
"total_iof": 340.31,
"total_pre_fixed_amount": 183.5073246195304
},
"event_datetime": "2023-03-17 19:45:19",
"key": "052fe83c-37f6-4339-a831-127b50566745",
"status": "waiting_signature",
"webhook_type": "debt"
}
操作创建响应中的"key"字段是 DEBT-KEY,即操作在 QI 内的唯一键。
签名
与 SIAPE ML 操作相同的签名流程
授权放款
操作签名后,需要授权操作进行放款。
个人信贷业务的放款授权,必须在收到 SIAPE 中提案录入确认 webhook 后发送。
{
"allow_disbursement": true
}
放款
操作签名并授权放款后,将自动进入放款流水线。
放款处理完成后,合作伙伴将收到以下 webhook:
放款成功
{
"key": "052fe83c-37f6-4339-a831-127b50566745",
"data": {
"installments": [{
"due_date": "2023-03-22",
"total_amount": 81016.77,
"installment_key": "75460851-2e82-4e3d-a805-b3e55b6b31d4",
"pre_fixed_amount": 183.5073246195304,
"principal_amortization_amount": 80833.26267538047
}],
"ted_receipt_list": []
},
"status": "disbursed",
"webhook_type": "debt",
"event_datetime": "2023-03-17 13:20:40"
}
放款后操作
个人信贷业务放款至 QI 中创建的债务人账户后,将执行与清偿债务人原债务未偿余额相关的 boleto/TED/Pix 支付(放款后操作)
成功
- Boleto
- TED
{
"key": "3bce3113-3644-4491-b87a-fe6551edff70",
"data": {
"status": "done",
"action_key": "d25097e2-09f1-47fc-8b7f-d1988b1a7669",
"error_data": null,
"action_data": {
"digitable_line": "10495419967200010004900031456924592920008049295"
},
"action_type": "bankslip_payment",
"execution_data": {
"bank_slip": {
"payer": {
"name": "Nome do Devedor",
"document_number": "12345678911",
"document_number_formatted": "123.456.789-11"
},
"beneficiary": {
"name": "CAIXA ECONÔMICA FEDERAL",
"document_number": "00360305000104",
"document_number_formatted": "00.360.305/0001-04"
},
"payment_key": "500a496e-4cca-4b12-9dc8-254932ebbcac",
"payment_date": "2023-03-08",
"digitable_line": "10495419967200010004900031456924592920008049295",
"expiration_date": "2023-03-10",
"payment_date_formatted": "08/03/2023",
"expiration_date_formatted": "10/03/2023",
"financial_institution_name": "CAIXA ECONÔMICA FEDERAL",
"financial_institution_compe_number": "104"
},
"origin_key": "dfac205a-bdef-4820-8608-2dc81d9e10d4",
"transacted_at": "2023-03-08 16:07:58",
"source_account": {
"owner_name": "Nome do Devedor",
"account_digit": "3",
"account_branch": "0001",
"account_number": "1234567",
"owner_document_number": "12345678911",
"financial_institution_name": "QI SCD S.A.",
"owner_document_number_formatted": "123.456.789-11",
"financial_institution_compe_number": 329
},
"source_subtype": "bank_slip_payment",
"transaction_key": "86a4320d-a69d-4c14-8300-9a6f22d35fcb",
"transacted_at_br": "2023-03-08 13:07:58",
"pdf_encoded_string": "\<BASE 64 DO PDF DO COMPROVANTE\>",
"transaction_amount": 3864.95,
"transacted_at_formatted": "08/03/2023, 16:07:58",
"transacted_at_br_formatted": "08/03/2023, 13:07:58",
"transaction_amount_formatted": "R$ 3.864,95",
"source_subtype_translation_ptbr": "Pagamento de Boleto"
}
},
"webhook_type": "after_disbursement_action_update",
"event_datetime": "2023-03-08 16:08:02"
}
{
"key": "1f13c154-4164-412d-b3f3-00b7af7b18ee",
"data": {
"status": "done",
"action_key": "a7a2c87d-b882-4680-ae58-9a5292d26788",
"error_data": null,
"action_data": {
"destination": {
"name": "Nome Credor Original",
"account_digit": "0",
"account_branch": "0897",
"account_number": "20001",
"document_number": "87163234000138",
"financial_institution_code_number": "341"
},
"transaction_amount": 520
},
"action_type": "funds_transfer",
"execution_data": {
"origin_key": "f786dc97-faaa-40d8-9818-c8dc184bf131",
"transacted_at": "2023-03-23 16:48:27",
"source_account": {
"owner_name": "Nome do Devedor",
"account_digit": "3",
"account_branch": "0001",
"account_number": "1234567",
"owner_document_number": "12345678911",
"financial_institution_name": "QI SCD S.A.",
"owner_document_number_formatted": "123.456.789-11",
"financial_institution_compe_number": 329
},
"source_subtype": "withdrawal",
"target_account": {
"owner_name": "Nome Credor Original",
"account_type": "checking_account",
"account_digit": "0",
"account_branch": "0897",
"account_number": "20001",
"account_type_str": "Conta Corrente",
"owner_document_number": "87163234000138",
"financial_institution_name": "ITAÚ UNIBANCO S.A.",
"owner_document_number_formatted": "87.163.234/0001-38",
"financial_institution_compe_number": "341"
},
"transaction_key": "b8993075-9ede-4073-be2d-6130b052f888",
"transacted_at_br": "2023-03-23 13:48:27",
"pdf_encoded_string": "\<BASE 64 DO PDF DO COMPROVANTE\>",
"transaction_amount": 520.0,
"transacted_at_formatted": "23/03/2023, 16:48:27",
"transacted_at_br_formatted": "23/03/2023, 13:48:27",
"transaction_amount_formatted": "R$ 520,00",
"source_subtype_translation_ptbr": "Transfer ência"
}
},
"webhook_type": "after_disbursement_action_update",
"event_datetime": "2023-03-23 16:48:31"
}
放款后操作错误
如果放款后操作支付发生错误,合作伙伴将通过以下 webhook 收到通知:
- Boleto
- TED
{
"key": "e358e7e3-17b8-4aab-9da1-92f6b78dea00",
"data": {
"status": "error",
"action_key": "e2495e5a-df32-4826-b6f0-419014d3c35a",
"error_data": {
"error_code": "QIT000007",
"description": "Account blocked balance cannot be negative."
},
"action_data": {
"digitable_line": "10495419967200010004900031456924592920008049295"
},
"action_type": "bankslip_payment",
"execution_data": null
},
"webhook_type": "after_disbursement_action_update",
"event_datetime": "2023-03-22 12:06:38"
}
{
"key": "e358e7e3-17b8-4aab-9da1-92f6b78dea00",
"data": {
"status": "error",
"action_key": "e2495e5a-df32-4826-b6f0-419014d3c35a",
"error_data": {
"error_code": "QIT000007",
"description": "Account blocked balance cannot be negative."
},
"action_data": {
"destination": {
"name": "Nome Credor Original",
"account_digit": "0",
"account_branch": "0897",
"account_number": "20001",
"document_number": "87163234000138",
"financial_institution_code_number": "341"
},
"transaction_amount": 1000
},
"action_type": "funds_transfer",
"execution_data": null
},
"webhook_type": "after_disbursement_action_update",
"event_datetime": "2023-03-22 12:06:38"
}
放款后操作的 TED 退款
如果放款后操作中执行的 TED 被目标金融机构退回,合作伙伴将通过以下 webhook 收到通知:
{
"key": "f4b5c36a-2aa1-4865-9678-e5a6fa585845",
"data": {
"status": "refused",
"action_key": "cf3b8809-36dc-4574-8763-3600e413cf5c",
"error_data": {
"code": "agencia_conta_invalida",
"description": "Agência ou Conta Destinatária do Crédito Inválida"
},
"action_data": {
"destination": {
"name": "SILVANA RAMOS DOS SANTOS",
"account_digit": "1",
"account_branch": "0150",
"account_number": "301771620",
"document_number": "30874011884",
"financial_institution_code_number": "237"
},
"transaction_amount": 3200
},
"action_type": "funds_transfer",
"action_amount": 3200.0
},
"webhook_type": "after_disbursement_action_update",
"event_datetime": "2023-03-23 14:46:39"
}
重试失败的放款后操作
如果放款后操作支付发生错误/退款,可通过以下端点重试 /baas/action/[ACTION-KEY]
SIAPE 薪资贷款业务发行
SIAPE 薪资贷款业务必须清偿个人信贷业务,并向客户释放找零(如有)
请求
- Digitação Margem Livre
- Digitação Portabilidade
{
"borrower": {
"name": "Nome do Devedor",
"email": "email@email.com",
"phone": {
"number": "900000000",
"area_code": "11",
"country_code": "055"
},
"address": {
"city": "São Paulo",
"state": "SP",
"number": "215",
"street": "Gilberto Sabino",
"complement": "s/c",
"postal_code": "12345012",
"neighborhood": "Pinheiros"
},
"role_type": "issuer",
"birth_date": "1969-05-01",
"mother_name": "Nome da Mãe do Devedor",
"person_type": "natural",
"individual_document_number": "12345678911",
"gender": "male",
"nationality": "brasileiro",
"is_pep": false,
"marital_status": "married"
},
"financial": {
"first_due_date": "2023-05-07",
"installment_face_value": 100.0,
"disbursement_date": "2023-03-22",
"limit_days_to_disburse": 3,
"number_of_installments": 96,
"monthly_interest_rate": 0.0205,
"interest_type": "pre_price_days",
"fine_configuration": {
"monthly_rate": 0.01,
"interest_base": "calendar_days",
"contract_fine_rate": 0.02
},
"credit_operation_type": "ccb",
"interest_grace_period": 0,
"principal_grace_period": 0
},
"simplified": true,
"collaterals": [{
"percentage": 1,
"collateral_data": {
"reservation_type": "new_credit",
"authority_code": "17000",
"pensioner_registration_code": "",
"registration_code": "12345678",
"authority": {
"description": "teste",
"authority_document_number": "1234"
}
},
"collateral_type": "federal_payroll"
}],
"requester_identifier_key": "13176f51-3cc8-46a3-96e9-df59d7e3960c",
"disbursement_bank_account": {
"bank_code": "329",
"account_digit": "3",
"branch_number": "0001",
"account_number": "1234567"
},
"purchaser_document_number": "32402502000135",
"modality": {
"code": "0202"
},
"refinanced_credit_operations": [
{
"operation_key": "052fe83c-37f6-4339-a831-127b50566745"
}
]
}
{
"borrower": {
"name": "Nome do Devedor",
"email": "email@email.com",
"phone": {
"number": "900000000",
"area_code": "11",
"country_code": "055"
},
"address": {
"city": "São Paulo",
"state": "SP",
"number": "215",
"street": "Gilberto Sabino",
"complement": "s/c",
"postal_code": "12345012",
"neighborhood": "Pinheiros"
},
"role_type": "issuer",
"birth_date": "1969-05-01",
"mother_name": "Nome da Mãe do Devedor",
"person_type": "natural",
"individual_document_number": "12345678911",
"gender": "male",
"nationality": "brasileiro",
"is_pep": false,
"marital_status": "married"
},
"financial": {
"first_due_date": "2023-05-07",
"installment_face_value": 100.0,
"disbursement_date": "2023-03-22",
"limit_days_to_disburse": 3,
"number_of_installments": 96,
"monthly_interest_rate": 0.0205,
"interest_type": "pre_price_days",
"fine_configuration": {
"monthly_rate": 0.01,
"interest_base": "calendar_days",
"contract_fine_rate": 0.02
},
"credit_operation_type": "ccb",
"interest_grace_period": 0,
"principal_grace_period": 0
},
"simplified": true,
"collaterals": [{
"percentage": 1,
"collateral_data": {
"reservation_method": "creation",
"authority": {
"description": "",
"authority_document_number": ""
},
"reservation_type": "portability",
"authority_code": "17000",
"pensioner_registration_code": "",
"registration_code": "12345678",
"portability_data": {
"start_date": "",
"control_number": "",
"origin_contract": {
"contract_number": "",
"financial_institution_document_number": ""
}
}
},
"collateral_type": "federal_payroll"
}],
"requester_identifier_key": "13176f51-3cc8-46a3-96e9-df59d7e3960c",
"disbursement_bank_account": {
"bank_code": "329",
"account_digit": "3",
"branch_number": "0001",
"account_number": "1234567"
},
"purchaser_document_number": "32402502000135",
"modality": {
"code": "0202"
},
"refinanced_credit_operations": [
{
"operation_key": "052fe83c-37f6-4339-a831-127b50566745"
}
]
}
响应
{
"data": {
"borrower": {
"document_number": "12345678911",
"name": "Nome do Devedor",
"related_party_key": "c5584ee3-e077-41dc-a28e-c2ba97390bf1"
},
"collaterals": [{
"absolute_amount": null,
"collateral_constituted": false,
"collateral_data": {
"authority_code": "17000",
"pensioner_registration_code": null,
"registration_code": "12345678"
},
"collateral_key": "5e40c191-06ae-4da2-9d4b-3c0bf6eeb1a3",
"collateral_type": "federal_payroll",
"created_at": "2023-03-17T20:56:09.200482",
"external_key": "8cda40d8-1593-4a1e-938f-5e1488e734d8",
"percentage": 1,
"updated_at": "2023-03-17T20:56:09.200474"
}],
"contract": {
"number": "0000000002/NDD",
"signature_information": [{
"signature_url": null,
"signer_document_number": "12345678911",
"signer_email": "email@email.com",
"signer_external_key": null,
"signer_name": "Nome do Devedor",
"signer_role": "issuer"
}],
"urls": [
"https://storage.googleapis.com/live-doc-api/documents/45e5b9c0-0f56-40a8-aace-d206f72c164d/QISCD-NOME_DO_DEVEDOR-CCB-0000000002-20230317183044.pdf"
]
},
"disbursement_options": [{
"additional_iof": 24.220242,
"annual_cet": "26.1457%",
"assignment_amount": 3205.12,
"base_iof": 176.6603785598479778,
"cet": "1,9544%",
"contract_fee_amount": 17.68,
"contract_fees": [{
"amount": 17.68,
"amount_type": "absolute",
"fee_amount": 17.68,
"fee_type": "spread_cip_cost"
}],
"disbursement_date": "2023-03-22",
"external_contract_fee_amount": 0,
"external_contract_fees": [],
"first_due_date": "2023-05-07",
"installments": [{
"additional_costs": [],
"business_due_date": "2022-05-08",
"calendar_days": 34,
"due_date": "2023-05-07",
"due_interest": 0,
"due_principal": 3187.44,
"fine_amount": null,
"has_interest": true,
"installment_number": 1,
"installment_status": null,
"installment_type": null,
"post_fixed_amount": 0,
"pre_fixed_amount": 64.20069301315790,
"principal_amortization_amount": 35.79930698684210,
"tax_amount": 0.10014353287723266,
"total_amount": 100,
"workdays": 23
},
...
x 96
],
"issue_amount": 3187.44,
"net_external_contract_fee_amount": 0,
"total_iof": 100.44,
"total_pre_fixed_amount": 3225.1656904289435
},
...
x 15
],
"iof_charge_method": "financed",
"requester_identifier_key": "13176f51-3cc8-46a3-96e9-df59d7e3960c"
},
"event_datetime": "2023-03-17 13:54:58",
"key": "32f99efe-7654-4e74-a509-c7413341a831",
"status": "waiting_signature",
"webhook_type": "debt"
}
待 同意 Webhook
Body
{
"key": "\<DEBT-KEY\>",
"data": {
"collateral_data": {
"reservation_status": "pending_consent"
},
"collateral_type": "federal_payroll",
"collateral_constituted": false
},
"event_time": "2022-10-31 15:23:46",
"webhook_type": "credit_operation.collateral"
}
注销登记
SIAPE 薪资贷款业务创建后,QI 将启动业务的注销登记流程。
注销登记尝试流程从业务创建时开始,并将重试至业务最后一个放款选项日期。
录入完成后,QI 将通知合作伙伴注销登记的待同意情况:
Body
{
"key": "\<DEBT-KEY\>",
"data": {
"collateral_data": {
"reservation_status": "pending_consent"
},
"collateral_type": "federal_payroll",
"collateral_constituted": false
},
"event_time": "2022-10-31 15:23:46",
"webhook_type": "credit_operation.collateral"
}
同意完成且额度注销登记确认后,QI 将通过以下 webhook 通知合作伙伴:
{
"key": "32f99efe-7654-4e74-a509-c7413341a831",
"data": {
"collateral_type": "federal_payroll",
"collateral_constituted": true
},
"event_time": "2022-03-22 15:23:46",
"webhook_type": "credit_operation.collateral"
}
军队薪资贷款业务发行
军队薪资贷款业务必须清偿个人信贷业务,并向客户释放找零(如有)
请求
- Digitação Portabilidade (Deprecada a partir de 30/11/2023)
- Digitação Portabilidade(s) (Vigente a partir de 21/11/2023)
- Digitação Margem Livre
- Digitação Refinanciamento
{
"borrower": {
"name": "Nome do Devedor",
"email": "email@email.com",
"phone": {
"number": "900000000",
"area_code": "11",
"country_code": "055"
},
"address": {
"city": "São Paulo",
"state": "SP",
"number": "215",
"street": "Gilberto Sabino",
"complement": "s/c",
"postal_code": "12345012",
"neighborhood": "Pinheiros"
},
"role_type": "issuer",
"birth_date": "1969-05-01",
"mother_name": "Nome da Mãe do Devedor",
"person_type": "natural",
"individual_document_number": "12345678911",
"gender": "male",
"nationality": "brasileiro",
"is_pep": false,
"marital_status": "married"
},
"financial": {
"first_due_date": "2023-05-07",
"installment_face_value": 100.0,
"disbursement_date": "2023-03-22",
"limit_days_to_disburse": 3,
"number_of_installments": 72,
"monthly_interest_rate": 0.017,
"interest_type": "pre_price_days",
"fine_configuration": {
"monthly_rate": 0.01,
"interest_base": "calendar_days",
"contract_fine_rate": 0.02
},
"credit_operation_type": "ccb",
"interest_grace_period": 0,
"principal_grace_period": 0
},
"simplified": true,
"collaterals": [{
"percentage": 1,
"collateral_data": {
"reservation_type": "portability",
"portability_data":{
"token":"hw342y1h24",
"origin_econsig_id":"2016587"
},
"registration_code": "12345678",
"reservation_method": "creation"
},
"collateral_type": "military_payroll"
}],
"requester_identifier_key": "7e000c2d-d381-470e-b233-416097504866",
"disbursement_bank_account": {
"bank_code": "341",
"account_digit": "3",
"branch_number": "1234",
"account_number": "1234567"
},
"purchaser_document_number": "32402502000135",
"modality": {
"code": "0202"
},
"refinanced_credit_operations": [
{
"operation_key": "d2fd3f63-3d11-42a8-ab5c-9a84b5c58b6c"
}
]
}
{
"borrower": {
"name": "Nome do Devedor",
"email": "email@email.com",
"phone": {
"number": "900000000",
"area_code": "11",
"country_code": "055"
},
"address": {
"city": "São Paulo",
"state": "SP",
"number": "215",
"street": "Gilberto Sabino",
"complement": "s/c",
"postal_code": "12345012",
"neighborhood": "Pinheiros"
},
"role_type": "issuer",
"birth_date": "1969-05-01",
"mother_name": "Nome da Mãe do Devedor",
"person_type": "natural",
"individual_document_number": "12345678911",
"gender": "male",
"nationality": "brasileiro",
"is_pep": false,
"marital_status": "married"
},
"financial": {
"first_due_date": "2023-05-07",
"installment_face_value": 100.0,
"disbursement_date": "2023-03-22",
"limit_days_to_disburse": 3,
"number_of_installments": 72,
"monthly_interest_rate": 0.017,
"interest_type": "pre_price_days",
"fine_configuration": {
"monthly_rate": 0.01,
"interest_base": "calendar_days",
"contract_fine_rate": 0.02
},
"credit_operation_type": "ccb",
"interest_grace_period": 0,
"principal_grace_period": 0
},
"simplified": true,
"collaterals": [{
"percentage": 1,
"collateral_data": {
"reservation_type": "portability",
"portability_data":{
"token":"hw342y1h24",
"origin_econsig_ids": [
"2016587",
"2016588",
"2016589",
]
},
"registration_code": "12345678",
"reservation_method": "creation"
},
"collateral_type": "military_payroll"
}],
"requester_identifier_key": "7e000c2d-d381-470e-b233-416097504866",
"disbursement_bank_account": {
"bank_code": "341",
"account_digit": "3",
"branch_number": "1234",
"account_number": "1234567"
},
"purchaser_document_number": "32402502000135",
"modality": {
"code": "0202"
},
"refinanced_credit_operations": [
{
"operation_key": "d2fd3f63-3d11-42a8-ab5c-9a84b5c58b6c"
}
]
}
{
"borrower": {
"name": "Nome do Devedor",
"email": "email@email.com",
"phone": {
"number": "900000000",
"area_code": "11",
"country_code": "055"
},
"address": {
"city": "São Paulo",
"state": "SP",
"number": "215",
"street": "Gilberto Sabino",
"complement": "s/c",
"postal_code": "12345012",
"neighborhood": "Pinheiros"
},
"role_type": "issuer",
"birth_date": "1969-05-01",
"mother_name": "Nome da Mãe do Devedor",
"person_type": "natural",
"individual_document_number": "12345678911",
"gender": "male",
"nationality": "brasileiro",
"is_pep": false,
"marital_status": "married"
},
"financial": {
"first_due_date": "2023-05-07",
"installment_face_value": 100.0,
"disbursement_date": "2023-03-22",
"limit_days_to_disburse": 3,
"number_of_installments": 72,
"monthly_interest_rate": 0.017,
"interest_type": "pre_price_days",
"fine_configuration": {
"monthly_rate": 0.01,
"interest_base": "calendar_days",
"contract_fine_rate": 0.02
},
"credit_operation_type": "ccb",
"interest_grace_period": 0,
"principal_grace_period": 0
},
"simplified": true,
"collaterals": [{
"percentage": 1,
"collateral_data": {
"reservation_type": "new_credit",
"registration_code": "123456789",
"reservation_method": "creation"
},
"collateral_type": "military_payroll"
}],
"requester_identifier_key": "7e000c2d-d381-470e-b233-416097504866",
"disbursement_bank_account": {
"bank_code": "341",
"account_digit": "3",
"branch_number": "1234",
"account_number": "1234567"
},
"purchaser_document_number": "32402502000135",
"modality": {
"code": "0202"
},
"refinanced_credit_operations": [
{
"operation_key": "d2fd3f63-3d11-42a8-ab5c-9a84b5c58b6c"
}
]
}
{
"borrower": {
"name": "Nome do Devedor",
"email": "email@email.com",
"phone": {
"number": "900000000",
"area_code": "11",
"country_code": "055"
},
"address": {
"city": "São Paulo",
"state": "SP",
"number": "215",
"street": "Gilberto Sabino",
"complement": "s/c",
"postal_code": "12345012",
"neighborhood": "Pinheiros"
},
"role_type": "issuer",
"birth_date": "1969-05-01",
"mother_name": "Nome da Mãe do Devedor",
"person_type": "natural",
"individual_document_number": "12345678911",
"gender": "male",
"nationality": "brasileiro",
"is_pep": false,
"marital_status": "married"
},
"financial": {
"first_due_date": "2023-05-07",
"installment_face_value": 100.0,
"disbursement_date": "2023-03-22",
"limit_days_to_disburse": 3,
"number_of_installments": 72,
"monthly_interest_rate": 0.017,
"interest_type": "pre_price_days",
"fine_configuration": {
"monthly_rate": 0.01,
"interest_base": "calendar_days",
"contract_fine_rate": 0.02
},
"credit_operation_type": "ccb",
"interest_grace_period": 0,
"principal_grace_period": 0
},
"simplified": true,
"collaterals": [{
"percentage": 1,
"collateral_data": {
"reservation_type": "refinancing",
"registration_code": "123456789",
"reservation_method": "issuing"
},
"collateral_type": "military_payroll"
}],
"requester_identifier_key": "7e000c2d-d381-470e-b233-416097504866",
"disbursement_bank_account": {
"bank_code": "341",
"account_digit": "3",
"branch_number": "1234",
"account_number": "1234567"
},
"purchaser_document_number": "32402502000135",
"modality": {
"code": "0202"
},
"refinanced_credit_operations": [
{
"operation_key": "d2fd3f63-3d11-42a8-ab5c-9a84b5c58b6c"
}
]
}
collateral_data 对象字段详情
| 字段 | 描述 | 值 |
|---|---|---|
| reservation_type | 预留类型 | 枚举值 |
| registration_code | 军人注册编号 | 123456789 |
| reservation_method | 确定何时开始尝试薪资贷款的注销登记,是在信贷业务创建时还是在发行时。 | 枚举值 |
| portability_data | 可携性数据 | 可 携性对象 |
预留类型表
| 枚举值 | 描述 |
|---|---|
| new_credit | 新信贷 |
| portability | 可携性 |
| refinancing | 再融资 |
预留创建方法表
非常重要的字段,因为它直接决定何时向 Zetra 提交预留意向请求。
| 枚举值 | 描述 |
|---|---|
| creation | 注销登记尝试将在信贷业务创建时开始。 |
| issuing | 注销登记尝试将在信贷业务发行时开始,即正式化之后。 |