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HPO API INTEGRATION GUIDE
HD SAISON'S NFC eKYC ONBOARDING DATA, MAPPED AND MADE CALLABLE
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INTRODUCTION
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HPO is not a banking app in the usual sense — open it and there is
no balance, no transaction list, no dashboard. It has one job: read
the chip inside a Vietnamese citizen ID card (CCCD) over NFC, pair
that with a face-liveness capture and an agent-issued QR token, and
turn the result into a verified identity that HD SAISON's backend
accepts. HD SAISON is the HDBank / Credit Saison joint venture behind
it, reporting on the order of 11 million customers across more than
23,000 transaction points in Vietnam. That scale is exactly why the
eKYC data flowing through HPO is worth integrating on purpose rather
than reverse-engineering ad hoc: done through authorized protocol
analysis, this data becomes a dependable input for onboarding,
compliance, and downstream loan-account logic. Full detail is at
https://openbankingstudio.com/hpo.html
SUPPORTED API FEATURES
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CCCD chip record capture — structured identity fields and
portrait pulled from the on-device NFC read of the chip
Document image handling — front and back CCCD image pairs
captured per onboarding session
Liveness / face-match surface — the in-app face capture used
to bind the live person to the chip portrait
QR-bound session correlation — the short-lived token an
HDSAISON agent issues to scope and open an eKYC session
Verification verdict retrieval — the pass / pending / reject
outcome returned by the HD SAISON backend
Consented customer linkage — the hop from a verified session
to the underlying HD SAISON customer record
USE CASES & APPLICATIONS
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[1] Digital onboarding automation
Populate a verified-identity object without manual key-in
Remove double data-entry between chip read and backend record
Speed up account opening for consumer-finance products
[2] Identity verification & compliance workflows
Cross-check chip data against submitted document images
Bind liveness capture to the chip portrait for anti-fraud checks
Maintain an auditable verification trail per session
[3] Loan origination and application triage
Trigger downstream loan-application logic on a VERIFIED verdict
Route PENDING outcomes into manual review queues
Correlate a passed session with a customer identifier for scoring
[4] Consumer-finance platform integration
Bridge HPO's onboarding result into HD SAISON account status
Extend beyond onboarding into loan-application and account data
Support multi-app identity schemas across Vietnamese lenders
[5] Data audit and retention management
Archive document image pairs for compliance review
Apply retention rules aligned with Decree 13/2023/ND-CP
Log every access for consent and notification record-keeping
BENEFITS & ADVANTAGES
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Runnable API source in Python and Node.js, not just documentation
OpenAPI/Swagger spec normalizing the eKYC submission and verdict
Automated tests against recorded fixtures catch contract changes
Clear device/server boundary — the NFC chip read stays on-handset
Session logic built around the QR token's short validity window
Consent and retention guidance written against Decree 13/2023
Optional consented bridge from onboarding into full account data
SUBSCRIPTION PLANS
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Two ways to engage, both scoped to authorized access:
Source-code delivery — from $300, paid only after delivery
and your satisfaction with the integration
Pay-per-call hosted API — no upfront fee, billed only for
the calls you actually make
Typical build cycle: one to two weeks either way.
CONCLUSION
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HPO's real value isn't a dashboard — it's the structured eKYC
handoff between handset and HD SAISON backend: chip fields, document
images, the liveness frame, the session token, and the verification
verdict. Mapped through authorized protocol analysis and delivered
as runnable source, a spec, and tests, that handoff becomes something
your systems can call reliably instead of guess at. Start the
conversation and tell us what you want out of HPO's data — the
access and compliance side gets arranged with you.
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Visit: https://openbankingstudio.com/hpo.html
Contact: https://openbankingstudio.com/contact.html
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last updateTime: 2026-07-05 01:25:43b
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