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Reject Customer

Overview​

The Reject Customer API allows authorized personnel to reject customer records that have been submitted for approval. This command declines the customer application, preventing activation and requiring resubmission with corrections.

Command Details​

Command Name: RejectCustomerCommand

Operation Type: Command (Write Operation)

Use Cases​

  • Incomplete Documentation: Reject applications missing required documents
  • Compliance Issues: Decline customers failing regulatory checks
  • Data Quality: Return applications with incorrect or suspicious information
  • Risk Management: Reject high-risk customer applications
  • Policy Violations: Decline applications not meeting bank policies

API Endpoint​

POST /api/bpm/cmd
Content-Type: application/json
Authorization: Bearer {access_token}

Request Structure​

Request Body​

{
  "commandName": "RejectCustomerCommand",
  "data": {
    "contactEncodedKey": "string",
    "rejectionReason": "string",
    "rejectionNotes": "string"
  }
}

Request Fields​

Field NameTypeMandatoryDescription
contactEncodedKeyStringYesUnique identifier of the customer
rejectionReasonStringYesReason for rejection
rejectionNotesStringNoAdditional details about rejection

Sample Requests​

1. Reject Customer​

{
  "commandName": "RejectCustomerCommand",
  "data": {
    "contactEncodedKey": "8a8e87e87d1234567890abcd",
    "rejectionReason": "Incomplete documentation",
    "rejectionNotes": "Missing valid proof of address. Please resubmit with complete documents."
  }
}

2. Reject for Compliance​

{
  "commandName": "RejectCustomerCommand",
  "data": {
    "contactEncodedKey": "8a8e87e87d0987654321efgh",
    "rejectionReason": "Failed compliance checks",
    "rejectionNotes": "Customer appears on sanctions watchlist. Cannot proceed with onboarding."
  }
}

Response Structure​

Success Response​

{
  "isSuccessful": true,
  "statusCode": "00",
  "message": "Customer rejected successfully.",
  "data": {
    "contactEncodedKey": "8a8e87e87d1234567890abcd",
    "approvalStatus": "Rejected",
    "rejectedBy": "user@bank.com",
    "rejectionDate": "2025-12-18T10:30:00Z",
    "rejectionReason": "Incomplete documentation"
  }
}

Error Handling​

Common Error Responses​

Invalid Status​

{
  "isSuccessful": false,
  "statusCode": "CBS_409",
  "message": "Customer is not in pending approval status and cannot be rejected."
}

Missing Rejection Reason​

{
  "isSuccessful": false,
  "statusCode": "CBS_400",
  "message": "Rejection reason is required."
}

Error Codes​

Status CodeMessageCause
CBS_400Validation errorMissing rejection reason or invalid data
CBS_403ForbiddenInsufficient rejection permissions
CBS_404Customer not foundInvalid contact encoded key
CBS_409Invalid statusCustomer not in pending approval status
CBS_500Internal server errorSystem error

Code Examples​

cURL​

curl -X POST https://api.example.com/api/bpm/cmd \
  -H "Content-Type: application/json" \
  -H "Authorization: Bearer YOUR_ACCESS_TOKEN" \
  -d '{
    "commandName": "RejectCustomerCommand",
    "data": {
      "contactEncodedKey": "8a8e87e87d1234567890abcd",
      "rejectionReason": "Incomplete documentation",
      "rejectionNotes": "Missing proof of address"
    }
  }'

C# Example​

var client = new HttpClient();
client.DefaultRequestHeaders.Authorization = 
    new AuthenticationHeaderValue("Bearer", accessToken);

var request = new
{
    commandName = "RejectCustomerCommand",
    data = new
    {
        contactEncodedKey = "8a8e87e87d1234567890abcd",
        rejectionReason = "Incomplete documentation",
        rejectionNotes = "Missing proof of address"
    }
};

var response = await client.PostAsJsonAsync(
    "https://api.example.com/api/bpm/cmd", 
    request
);

Notes​

  • Requires rejection/approval permissions
  • Customer must be in pending approval status
  • Rejection reason is mandatory
  • Rejection is logged with user details for audit
  • Customer can be resubmitted for approval after corrections
  • Clear rejection reasons help customer service teams
  • Notifications sent to relevant staff members

Post-Rejection Actions​

After rejection, the customer record can be:

  • Corrected and resubmitted for approval
  • Archived if permanently declined
  • Reviewed by senior staff for special handling