跳到主要内容

账户开立 Webhooks

提交账户预留请求后，初始状态为 pending_bacen_validation。通过后，预留状态更新为 pending_kyc_analysis。随后，通过 KYC 后，状态变为 pending_additional_data。

对于 pending_kyc_analysis、pending_additional_data 和 rejected 状态，系统发送 account_request.status_change 类型的 webhook，此事件对于控制确认账户开立所需后续操作至关重要。

账户号码将在提交预留申请时预留，但此时账户尚未开立。只有在 QI Tech 完成 KYC 分析并经合作伙伴后续确认后，账户才算正式开立。

account_request_status 枚举值​

枚举值描述
pending_kyc_analysis待 KYC 批准
pending_additional_data待补充信息
rejected开立被拒绝

当状态为 rejected 时，webhook 在消息根部包含 rejection_reason 字段，说明拒绝原因。该字段的值为自由格式，直接由 KYC 分析返回，可能因识别到的原因而有所不同，可能来自 KYC 分析或 Bacen Protege+。

KYC 分析待处理 Webhook​

WEBHOOK_TYPE
account_request.status_change
STATUS
pending_kyc_analysis
Webhook Body
{
    "data": {
        "account_info": {
            "account_digit": "3",
            "account_branch": "0001",
            "account_number": "1638634"
        },
        "account_request_key": "dc575950-dcce-48e1-99a6-5fb0ada63d86",
        "status": "pending_kyc_analysis"
    },
    "event_datetime": "2022-09-02 22:39:39",
    "key": "dc575950-dcce-48e1-99a6-5fb0ada63d86",
    "status": "pending_kyc_analysis",
    "webhook_type": "account_request.status_change"
}

账户确认待处理 Webhook​

WEBHOOK_TYPE
account_request.status_change
STATUS
pending_additional_data
Webhook Body
{
    "key": "dc575950-dcce-48e1-99a6-5fb0ada63d86",
    "data": {
        "account_info": {
            "account_digit": "3",
            "account_branch": "0001",
            "account_number": "1638634"
        },
        "account_request_key": "dc575950-dcce-48e1-99a6-5fb0ada63d86"
    },
    "event_datetime": "2022-09-02 22:39:39",
    "status": "pending_additional_data",
    "webhook_type": "account_request.status_change"
}

账户开立被拒绝 Webhook（KYC）​

WEBHOOK_TYPE
account_request.status_change
STATUS
rejected
Webhook Body
{
    "data": {
        "account_info": {
            "account_digit": "3",
            "account_branch": "0001",
            "account_number": "1638634"
        },
        "account_request_key": "dc575950-dcce-48e1-99a6-5fb0ada63d86"
    },
    "event_datetime": "2022-09-02T22:39:39",
    "key": "dc575950-dcce-48e1-99a6-5fb0ada63d86",
    "status": "rejected",
    "webhook_type": "account_request.status_change",
    "rejection_reason": "UNSC"
}

账户开立被拒绝 Webhook（Bacen Protege+）​

WEBHOOK_TYPE
account_request.status_change
STATUS
rejected
Webhook Body
{
    "data": {
        "account_info": {
            "account_digit": "3",
            "account_branch": "0001",
            "account_number": "1638634"
        },
        "account_request_key": "dc575950-dcce-48e1-99a6-5fb0ada63d86"
    },
    "event_datetime": "2022-09-02T22:39:39",
    "key": "dc575950-dcce-48e1-99a6-5fb0ada63d86",
    "status": "rejected",
    "webhook_type": "account_request.status_change",
    "rejection_reason": "Rejeitado devido ao Bacen Protege+"
}