Class: ThePlaidApi::AccountNullable

Inherits:
BaseModel
  • Object
show all
Defined in:
lib/the_plaid_api/models/account_nullable.rb

Overview

A single account at a financial institution.

Instance Attribute Summary collapse

Class Method Summary collapse

Instance Method Summary collapse

Methods inherited from BaseModel

#check_for_conflict, #process_additional_properties, #process_array, #process_basic_value, #process_hash, #to_hash, #to_json

Constructor Details

#initialize(account_id:, balances:, mask:, name:, official_name:, type:, subtype:, verification_status: SKIP, verification_name: SKIP, verification_insights: SKIP, persistent_account_id: SKIP, holder_category: SKIP, additional_properties: nil) ⇒ AccountNullable

Returns a new instance of AccountNullable.



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# File 'lib/the_plaid_api/models/account_nullable.rb', line 192

def initialize(account_id:, balances:, mask:, name:, official_name:, type:,
               subtype:, verification_status: SKIP, verification_name: SKIP,
               verification_insights: SKIP, persistent_account_id: SKIP,
               holder_category: SKIP, additional_properties: nil)
  # Add additional model properties to the instance
  additional_properties = {} if additional_properties.nil?

  @account_id = 
  @balances = balances
  @mask = mask
  @name = name
  @official_name = official_name
  @type = type
  @subtype = subtype
  @verification_status = verification_status unless verification_status == SKIP
  @verification_name = verification_name unless verification_name == SKIP
  @verification_insights = verification_insights unless verification_insights == SKIP
  @persistent_account_id =  unless  == SKIP
  @holder_category = holder_category unless holder_category == SKIP
  @additional_properties = additional_properties
end

Instance Attribute Details

#account_id ⇒ String

Plaid’s unique identifier for the account. This value will not change unless Plaid can’t reconcile the account with the data returned by the financial institution. This may occur, for example, when the name of the account changes. If this happens a new ‘account_id` will be assigned to the account. The `account_id` can also change if the `access_token` is deleted and the same credentials that were used to generate that `access_token` are used to generate a new `access_token` on a later date. In that case, the new `account_id` will be different from the old `account_id`. If an account with a specific `account_id` disappears instead of changing, the account is likely closed. Closed accounts are not returned by the Plaid API. When using a CRA endpoint (an endpoint associated with Plaid Check Consumer Report, i.e. any endpoint beginning with `/cra/`), the `account_id` returned will not match the `account_id` returned by a non-CRA endpoint. Like all Plaid identifiers, the `account_id` is case sensitive.

Returns:

  • (String) 


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# File 'lib/the_plaid_api/models/account_nullable.rb', line 30

def 
  @account_id
end

#balances ⇒ AccountBalance

A set of fields describing the balance for an account. Balance information may be cached unless the balance object was returned by ‘/accounts/balance/get` or `/signal/evaluate` (using a Balance-only ruleset).

Returns:



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# File 'lib/the_plaid_api/models/account_nullable.rb', line 37

def balances
  @balances
end

#holder_category ⇒ HolderCategory

Indicates the account’s categorization as either a personal or a business account. This field is currently in beta; to request access, contact your account manager.

Returns:



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# File 'lib/the_plaid_api/models/account_nullable.rb', line 151

def holder_category
  @holder_category
end

#mask ⇒ String

The last 2-4 alphanumeric characters of either the account’s displayed mask or the account’s official account number. Note that the mask may be non-unique between an Item’s accounts.

Returns:

  • (String) 


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# File 'lib/the_plaid_api/models/account_nullable.rb', line 43

def mask
  @mask
end

#name ⇒ String

The name of the account, either assigned by the user or by the financial institution itself

Returns:

  • (String) 


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# File 'lib/the_plaid_api/models/account_nullable.rb', line 48

def name
  @name
end

#official_name ⇒ String

The official name of the account as given by the financial institution

Returns:

  • (String) 


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# File 'lib/the_plaid_api/models/account_nullable.rb', line 52

def official_name
  @official_name
end

#persistent_account_id ⇒ String

A unique and persistent identifier for accounts that can be used to trace multiple instances of the same account across different Items for depository accounts. This field is currently supported only for Items at institutions that use Tokenized Account Numbers (i.e., Chase and PNC, and in May 2025 US Bank). Because these accounts have a different account number each time they are linked, this field may be used instead of the account number to uniquely identify an account across multiple Items for payments use cases, helping to reduce duplicate Items or attempted fraud. In Sandbox, this field is populated for TAN-based institutions (‘ins_56`, `ins_13`) as well as the OAuth Sandbox institution (`ins_127287`); in Production, it will only be populated for accounts at applicable institutions.

Returns:

  • (String) 


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# File 'lib/the_plaid_api/models/account_nullable.rb', line 145

def 
  @persistent_account_id
end

#subtype ⇒ AccountSubtype

See the [Account type schema](plaid.com/docs/api/accounts/#account-type-schema) for a full listing of account types and corresponding subtypes.

Returns:



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# File 'lib/the_plaid_api/models/account_nullable.rb', line 70

def subtype
  @subtype
end

#type ⇒ AccountType

‘investment:` Investment account. In API versions 2018-05-22 and earlier, this type is called `brokerage` instead. `credit:` Credit card `depository:` Depository account `loan:` Loan account `other:` Non-specified account type See the [Account type schema](plaid.com/docs/api/accounts#account-type-schema) for a full listing of account types and corresponding subtypes.

Returns:



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# File 'lib/the_plaid_api/models/account_nullable.rb', line 64

def type
  @type
end

#verification_insights ⇒ VerificationInsights

Insights from performing database verification for the account. Only returned for Auth Items using Database Auth.

Returns:



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# File 'lib/the_plaid_api/models/account_nullable.rb', line 130

def verification_insights
  @verification_insights
end

#verification_name ⇒ String

The account holder name that was used for micro-deposit and/or database verification. Only returned for Auth Items created via micro-deposit or database verification. This name was manually-entered by the user during Link, unless it was otherwise provided via the ‘user.legal_name` request field in `/link/token/create` for the Link session that created the Item.

Returns:

  • (String) 


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# File 'lib/the_plaid_api/models/account_nullable.rb', line 125

def verification_name
  @verification_name
end

#verification_status ⇒ VerificationStatus5

Indicates an Item’s micro-deposit-based verification or database verification status. This field is only populated when using Auth and falling back to micro-deposit or database verification. Possible values are: ‘pending_automatic_verification`: The Item is pending automatic verification. `pending_manual_verification`: The Item is pending manual micro-deposit verification. Items remain in this state until the user successfully verifies the code. `automatically_verified`: The Item has successfully been automatically verified. `manually_verified`: The Item has successfully been manually verified. `verification_expired`: Plaid was unable to automatically verify the deposit within 7 calendar days and will no longer attempt to validate the Item. Users may retry by submitting their information again through Link. `verification_failed`: The Item failed manual micro-deposit verification because the user exhausted all 3 verification attempts. Users may retry by submitting their information again through Link. `unsent`: The Item is pending micro-deposit verification, but Plaid has not yet sent the micro-deposit. `database_insights_pending`: The Database Auth result is pending and will be available upon Auth request. `database_insights_fail`: The Item’s numbers have been verified using Plaid’s data sources and have signal for being invalid and/or have no signal for being valid. Typically this indicates that the routing number is invalid, the account number does not match the account number format associated with the routing number, or the account has been reported as closed or frozen. Only returned for Auth Items created via Database Auth. ‘database_insights_pass`: The Item’s numbers have been verified using Plaid’s data sources: the routing and account number match a routing and account number of an account recognized on the Plaid network, and the account is not known by Plaid to be frozen or closed. Only returned for Auth Items created via Database Auth. ‘database_insights_pass_with_caution`: The Item’s numbers have been verified using Plaid’s data sources and have some signal for being valid: the routing and account number were not recognized on the Plaid network, but the routing number is valid and the account number is a potential valid account number for that routing number. Only returned for Auth Items created via Database Auth. ‘database_matched`: (deprecated) The Item has successfully been verified using Plaid’s data sources. Only returned for Auth Items created via Database Match. ‘null` or empty string: Neither micro-deposit-based verification nor database verification are being used for the Item.

Returns:



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# File 'lib/the_plaid_api/models/account_nullable.rb', line 117

def verification_status
  @verification_status
end

Class Method Details

.from_hash(hash) ⇒ Object

Creates an instance of the object from a hash.



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# File 'lib/the_plaid_api/models/account_nullable.rb', line 215

def self.from_hash(hash)
  return nil unless hash

  # Extract variables from the hash.
   = hash.key?('account_id') ? hash['account_id'] : nil
  balances = AccountBalance.from_hash(hash['balances']) if hash['balances']
  mask = hash.key?('mask') ? hash['mask'] : nil
  name = hash.key?('name') ? hash['name'] : nil
  official_name = hash.key?('official_name') ? hash['official_name'] : nil
  type = hash.key?('type') ? hash['type'] : nil
  subtype = hash.key?('subtype') ? hash['subtype'] : nil
  verification_status =
    hash.key?('verification_status') ? hash['verification_status'] : SKIP
  verification_name =
    hash.key?('verification_name') ? hash['verification_name'] : SKIP
  verification_insights = VerificationInsights.from_hash(hash['verification_insights']) if
    hash['verification_insights']
   =
    hash.key?('persistent_account_id') ? hash['persistent_account_id'] : SKIP
  holder_category =
    hash.key?('holder_category') ? hash['holder_category'] : SKIP

  # Create a new hash for additional properties, removing known properties.
  new_hash = hash.reject { |k, _| names.value?(k) }

  additional_properties = APIHelper.get_additional_properties(
    new_hash, proc { |value| value }
  )

  # Create object from extracted values.
  AccountNullable.new(account_id: ,
                      balances: balances,
                      mask: mask,
                      name: name,
                      official_name: official_name,
                      type: type,
                      subtype: subtype,
                      verification_status: verification_status,
                      verification_name: verification_name,
                      verification_insights: verification_insights,
                      persistent_account_id: ,
                      holder_category: holder_category,
                      additional_properties: additional_properties)
end

.names ⇒ Object

A mapping from model property names to API property names.



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# File 'lib/the_plaid_api/models/account_nullable.rb', line 154

def self.names
  @_hash = {} if @_hash.nil?
  @_hash['account_id'] = 'account_id'
  @_hash['balances'] = 'balances'
  @_hash['mask'] = 'mask'
  @_hash['name'] = 'name'
  @_hash['official_name'] = 'official_name'
  @_hash['type'] = 'type'
  @_hash['subtype'] = 'subtype'
  @_hash['verification_status'] = 'verification_status'
  @_hash['verification_name'] = 'verification_name'
  @_hash['verification_insights'] = 'verification_insights'
  @_hash['persistent_account_id'] = 'persistent_account_id'
  @_hash['holder_category'] = 'holder_category'
  @_hash
end

.nullables ⇒ Object

An array for nullable fields



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# File 'lib/the_plaid_api/models/account_nullable.rb', line 183

def self.nullables
  %w[
    mask
    official_name
    subtype
    holder_category
  ]
end

.optionals ⇒ Object

An array for optional fields



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# File 'lib/the_plaid_api/models/account_nullable.rb', line 172

def self.optionals
  %w[
    verification_status
    verification_name
    verification_insights
    persistent_account_id
    holder_category
  ]
end

Instance Method Details

#inspect ⇒ Object

Provides a debugging-friendly string with detailed object information.



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# File 'lib/the_plaid_api/models/account_nullable.rb', line 272

def inspect
  class_name = self.class.name.split('::').last
  "<#{class_name} account_id: #{@account_id.inspect}, balances: #{@balances.inspect}, mask:"\
  " #{@mask.inspect}, name: #{@name.inspect}, official_name: #{@official_name.inspect}, type:"\
  " #{@type.inspect}, subtype: #{@subtype.inspect}, verification_status:"\
  " #{@verification_status.inspect}, verification_name: #{@verification_name.inspect},"\
  " verification_insights: #{@verification_insights.inspect}, persistent_account_id:"\
  " #{@persistent_account_id.inspect}, holder_category: #{@holder_category.inspect},"\
  " additional_properties: #{@additional_properties}>"
end

#to_s ⇒ Object

Provides a human-readable string representation of the object.



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# File 'lib/the_plaid_api/models/account_nullable.rb', line 261

def to_s
  class_name = self.class.name.split('::').last
  "<#{class_name} account_id: #{@account_id}, balances: #{@balances}, mask: #{@mask}, name:"\
  " #{@name}, official_name: #{@official_name}, type: #{@type}, subtype: #{@subtype},"\
  " verification_status: #{@verification_status}, verification_name: #{@verification_name},"\
  " verification_insights: #{@verification_insights}, persistent_account_id:"\
  " #{@persistent_account_id}, holder_category: #{@holder_category}, additional_properties:"\
  " #{@additional_properties}>"
end