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开户 Webhooks

在发送账户预留请求后，系统会发送一个状态为 pending_additional_data 的 account_request.status_change 类型 webhook，该事件是触发发送确认开户请求的信号。

开户请求的响应可能会返回状态 "pending_kyc_analysis"，具体取决于合作方的集成配置。

在这种情况下，开户审批或拒绝的响应将通过 webhook 以异步方式返回。

账户号码将在开户申请时预留，但此时账户尚未开立。只有在 QI Tech 完成 KYC 分析后，账户才会正式开立。

Webhook Pending KYC Analysis​

Bacen Protege+ 批准后，开户申请状态更新为 pending_kyc_analysis，并发送 webhook 通知合作方。

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"
}

KYC 审批 Webhook​

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

Enumeradores account_request_status​

枚举值描述
pending_kyc_analysis待 KYC 审批
pending_additional_data待补充额外信息
rejected开户被拒绝

企业账户​

Account Rejected

WEBHOOK_TYPE
account
STATUS
account_rejected
Webhook Body
{
	"data": {
		"account_info": {
			"account_digit": "2",
			"account_branch": "0001",
			"account_number": "2359934",
			"financial_institution_code": "329"
		},
		"allowed_user": {
			"name": "Juliana Tereza Bernardes",
			"document_number": "97564480084"
		},
		"account_owner": {
			"name": "VOVO LUCIA CONVENIENCIA LTDA",
			"document_number": "09080702000105"
		}
	},
	"event_datetime": "2022-09-02 22:39:39",
	"key": "dc575950-dcce-48e1-99a6-5fb0ada63d86",
	"status": "account_rejected",
	"webhook_type": "account"
}

个人账户​

Account Rejected

WEBHOOK_TYPE
account
STATUS
account_rejected
Webhook Body
{
    "key":"84864614-2860-4b78-bd44-77b961354014",
  	"data":{
        "account_info":{
            "account_key":"1435dbavf-2860-4b78-bd44-77b961354014",
            "account_digit":"5",
            "account_branch":"0001",
            "account_number":"3998360",
            "financial_institution_code":"329"
        },
        "account_owner":{
            "name":"Pedro Pinho",
            "document_number":"97634408077"
        }
      },
    "status":"account_rejected",
    "webhook_type":"account",
    "event_datetime":"2024-01-09 14:35:46"
}