mschindler83/fints-hbci-php

FinTS registration data

wolkenbauer opened this issue · 11 comments

wolkenbauer commented

Beginning 2019-08-01 all finTS dialog init requests need to include fints registered product name and version as institutes will no longer accept connections from unregistered products or libs/kernels. See fints.org for more details.
This functionality is urgently needed.

js1963 commented

and whats about 2-factor authentification

Philipp91 commented

Feel free to test #129 like this:

  "repositories": [
    {
      "type": "vcs",
      "url": "http://github.com/Philipp91/fints-hbci-php"
    }
  ],
  "require": [
    ....,
    "mschindler83/fints-hbci-php": "dev-productname",
    ....,
  ],

Be sure to pass more parameters to new FinTs(). When I tested it, the bank connection when through as usual. I have no way of checking that the bank's backend was actually happy with the information it received.

Philipp91 commented

When I registered to get my FinTS product registration number, the confirmation email came with this hint: "Ab dem 14.09.2019 stellen die Mehrzahl der Kreditinstitute neben der FinTS-Schnittstelle eine weitere Schnittstelle nach den Regularien der PSD2-Richtlinien bereit. Zahlungsauslösedienste und Kontoinformationsdienste bedürfen dann einer Zulassung der deutschen (BaFin) oder einer anderen europäischen Regulierungsbehörde. Detaillierte Hinweise sowie Informationen zu Testzugängen finden sie auf den Web-Seiten der Institute, bzw. deren IT-Dienstleister oder unter nisp.online. Die bisherige FinTS-Schnittstelle darf durch diese Dienste bei Zugriffen auf Zahlungskonten dann nicht mehr genutzt werden."

Things seem to be moving in the direction of deprecating FinTS/HBCI, and all future replacements seem to require a permit from the government. Does anyone know more about that, especially what it means for libraries like this one?

ampaze commented

This repository has not seen activity in over a year from the maintainer. You should take a look at https://github.com/nemiah/phpFinTS

ekarakashi commented
ampaze commented

It was just a hint, the pull request will most likely not be merged and therefore this lib will no longer work as is.

ekarakashi commented
ampaze commented

@ekarakashi How is this helping? It would be more helpful if you could get in touch with him about this. Thanks.

Philipp91 commented

The nemiah fork has forked off quite a while ago, and from what I can tell it doesn't have some fixes that I need, like #100.

@mschindler83 After other people tested this, would you have the time to merge this and push a release?

ampaze commented

It's totally fine if you want to stick with this repository or your own fork, never change a running system if you don't have to.

@nemiah usually responds to pull requests quite fast and there are already lots of fixed bugs and new functionality bundled in her fork that everyone can benefit from. Especially if one is just getting starting with FinTS.

wolkenbauer commented

There are new important dates for this issue.

starting at 22.07.2019 institutes will begin sending WARNINGS at Dialog init:
3078 -- Unregistriertes Banking Programm, nur zugelassen bis 13.09.2019
3079 -- Bitte wenden Sie sich an den hersteller des Ihres Banking Programms.

starting at 14.09.2019 all dialog-inits without registration number will be aborted forcefully with errors:

9078 – Dialog abgebrochen - Banking-Programm ist nicht registriert
3079 – Bitte wenden Sie sich an den Hersteller Ihres Banking-Programms

That means unregistred products will definitely no longer work.

  • 👍1