Epics

EPICS is a ruby implementation of the EBICS (Electronic Banking Internet Communication Standard)

Installation

Add this line to your application's Gemfile:

gem 'epics'

And then execute:

$ bundle

Or install it yourself as:

$ gem install epics

Getting started

In case you are new to EBICS, you'll have to complete a initialization process with your bank. Epics can help you to generate all the necessary keys and directly store them for later use, but first you'll have to to lift some contractually work with your bank.

Once the paperwork is done, your bank should provide you with:

• a URL to their EBICS Server
• a HOST ID
• a PARTNER ID
• n User IDs (this depends on the bank and your needs)

Take this parameters and start setting up one UserID (repeat this for every user you want to initialize):

e = Epics::Client.setup("my-super-secret", "https://ebics.sandbox", "SIZBN001", "EBIX", "EPICS")

To use the keys later, just store them in a file

e.save_keys("/home/epics/my.key")
# or store the json elsewhere, but store it! for gods sake :D

It is really important to keep your keys around, once your user has been initialized you'll have to start over when you loose the keys!

Submit the keys to your bank:

e.INI # sends the signature key

e.HIA # sends the encryption and authentication keys

The next step is to print the INI letter and post it to your bank:

e.save_ini_letter( 'My Banks Name', "/home/epics/ini.html" )

Open the generated HTML file in your favorite browser and print it out (skipping header and footer sounds like a solid setting here ;) In case your having difficulties with the encoding, try forcing your browser to use UTF-8.

Put the INI letter in a envelope and mail it to your bank!

Done! ... Well not completly :)

Once the bank confirms that your user is completely initialized. You'll have to download the public keys of your bank:

### see below for client creation
e.HPB

Then again, save the keys or store the json somewhere safe.

You're now ready to go. Maybe try:

e.HAA

To get a list of all supported order types.

Usage

Create a client

# read the keys from a file
e = Epics::Client.new(File.open('/tmp/my.key'), 'passphrase', 'url', 'host', 'user', 'partner')

# or provide a string hoding the key data
keys = File.read('/tmp/my.key')

e = Epics::Client.new(keys, 'passphrase', 'url', 'host', 'user', 'partner')

Lazy Mode

Once you have a client, go ahead and start playing! There are 3 convinence methods that are hiding some strange names from you:

• debit( xml ) (submits a PAIN.008.003.02 document via CDD)
• credit( xml ) (submits a pain.001.003.03 document)
• statements( from, to ) (fetches an account statement via STA)

If you need more sophisticated EBICS order types, please read the next section about the supported functionalities.

Features

Initialization

• INI (Sends the public key of the electronic signature.)
• HIA (Sends the public authentication (X002) and encryption (E002) keys.)

Downloads

Currently this EPICS implementation supports the following order types:

• HPB (fetch your bank's public keys)
• STA (statements in MT940 format)
• HAA (available order types)
• HTD (user properties and settings)
• HPD (the available bank parameters)
• PKT (customer usage report in text format)
• ... more coming soon

Example:

puts e.STA('2014-09-01', '2014-09-11')
# result is a MT940 feed

:20:1
:25:/PL12124012551111000015237873
:28C:00152
:60F:C081130PLN000000002535,03
:61:0810021002DN000000001273,23N641NONREF
:86:641^00PRZELEW MI¨DZYBANKOWY BETA/^34000
^3019401076^38PL54194010765205871800000000
^20wynagrodzenie z tytulu umow^21y o prac e
^32BANKA MONIKA
^62PODCHORAZYCH 16/1580-298 GD^63ANSK
:61:0810021002DN000000001287,40N641NONREF
:86:641^00PRZELEW MI¨DZYBANKOWY BETA/^34000
^3010201909^38PL74102019090000310200475772
^20wynagrodzenie z tytulu umow^21y o prac e
^32SZCZACHOR DOROTA
^62RATAJA 13B/1083-032 PSZCZOL^63KI

Uploads

• CD1 (Uploads a SEPA Direct Debit document of type COR1)
• CDD (Uploads a SEPA Direct Debit document of type CORE)
• CCT (Uploads a SEPA Credit document)
• ... more coming soon

Example:

puts e.CD1("i-am-a-PAIN-xml-file")
# res is a the transaction id of the order

Supported Banks

• Sofortbank
• Deutsche Bank

Contributing

1. Fork it ( https://github.com/[my-github-username]/epics/fork )
2. Create your feature branch (git checkout -b my-new-feature)
3. Commit your changes (git commit -am 'Add some feature')
4. Push to the branch (git push origin my-new-feature)
5. Create a new Pull Request

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