{"activeVersionTag":"latest","latestAvailableVersionTag":"latest","collection":{"info":{"_postman_id":"37cf6c9c-18b0-48b4-9fa6-2704d9e81dff","name":"MNC Skorcard LMS Integration APIs","description":"## About Skorcard\n\nSkorcard, as a co-brand partner of the bank, allows users to digitally apply for a credit card. Once approved by the bank, users receive a virtual card in the Skorcard app, while a physical card is mailed to their registered address.\n\nThe Skorcard app enables users to track all credit card transactions, including online, offline, and ATM activities. Additionally, it maintains a ledger of Skorpoints, awarded for every successful transaction and for completing specific promos or missions. Users can redeem Skorpoints to pay bills or for various rewards, such as miles and special offers.\n\nThe credit card is branded as the “Bank Skorcard”—in this case, the “MNC Skorcard.”\n\n## Modules\n\nThe following are the modules involved in an end to end scenario\n\n- Mobile App - Facilitates user onboarding, card viewing, transactions, and rewards management.\n    \n- Skorcard LOS - The orchestration engine connecting the mobile app with various external systems, including KYC providers, banks, fraud detection systems, SMS/WhatsApp gateways, email services, video calling systems, and more.\n    \n- Skorcard Underwriting System - A flexible, plug-and-play underwriting module developed in collaboration with the bank to assess customer profiles and assign credit limits.\n    \n- Banks LMS - The bank’s credit card management system that integrates with Skorcard LOS for:\n    \n    - Card creation\n        \n    - AML (Anti-Money Laundering) checks\n        \n    - Credit bureau checks\n        \n    - Card account management\n        \n    - Rewards points payments\n        \n    - Card detail retrieval\n        \n    - And more.\n        \n    - In addition, the LMS oversees core credit card functions such as statement generation, billing, and apportionment.\n        \n- Skorcard Reward System - A custom-built system handling the accrual (earn) and redemption (burn) of reward points.\n    \n\n## Purpose of the APIs\n\nThe APIs described in this document serve two main purposes:\n\n- **APIs Exposed by Bank’s LMS:** These are consumed by the Skorcard LOS system (located in the folder “MNC LMS API”).\n    \n- **APIs Exposed by Skorcard LOS:** These are consumed by the Bank’s LMS system (located in the folder “Skorcard LOS API”).\n    \n\nThe document provides detailed explanations of all involved APIs.\n\n### Network and Security Overview\n\n- The APIs are accessible only via an IPSec VPN, ensuring they are available on a private DNS/IP with no public access (from either MNC or Skorcard).\n    \n- Authorization mechanisms must be in place for all APIs, with credentials updated regularly (at least once per quarter) and immediately in case of a breach. If a breach occurs, the APIs must stop responding and return a 403 HTTP error code.\n    \n\n### API's Structure\n\n- The APIs follow a RESTful architecture, using HTTP methods (POST, PUT, GET) to manipulate objects. For example, the MNC LMS API exposes a POST request to the /card endpoint for creating new card objects.\n    \n- All APIs must use HTTPS with a minimum of TLS 1.2, though TLS 1.3 is preferred for enhanced 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