Editing Main Page (section)

=== Business/Financial_Services/Banking_Services ===

==== Business/Financial_Services/Banking_Services : certain banks … ====
* https://www.postbank.de
* https://www.HanseaticBank.de
* https://www.berliner-sparkasse.de
* https://www.vr-li.de

==== Business/Financial_Services/Banking_Services : EBICS vs FinTS/HBCI ====
* both standards cover the communication between bank client and bank
* I got the vague idea, that EBICS is superior to FinTS and may be suitable to replace it – I would like to discuss this (TBD)
* why do banks restrict use of EBICS to corporate clients?

==== Business/Financial_Services/Banking_Services : BCS-FTAM ====
* a communications standard for banking based on X.25, i.e. non-TCP/IP based (cf. https://en.wikipedia.org/wiki/FTAM)
* the predecessor of EBICS
* when the telcos announced, they would discontinue X.25 services (the basis of FTAM), the banks started developing a TCP/IP based replacement, in France and Germany EBICS got developed

==== Business/Financial_Services/Banking_Services : EBICS ====
* https://en.wikipedia.org/wiki/Electronic_Banking_Internet_Communication_Standard – a communications standard for banking, it was meant to be the successor of BCS-FTAM in France and Germany
* https://de.wikipedia.org/wiki/Electronic_Banking_Internet_Communication_Standard
* http://www.ebics.org
* EBICS/France and EBICS/Germany seem to have an "encryption-access-technology" conflict, I do not remember the reference proving this

* http://sourceforge.net/projects/ebics/ – [https://en.wikipedia.org/wiki/Open-source_software OSS] client in Java for EBICS/France

* https://railslove.github.io/epics/ - [https://en.wikipedia.org/wiki/Open-source_software OSS] client in Ruby (protocol v2.5) for EBICS/Germany
* http://www.railslove.com/stories/ebics-client-for-ruby

* http://www.joonis.de/en/software/fintech – client in Python for EBICS/Germany

* http://www.netz-guru.de/2013/09/25/ebics-client-ebics_client-class-php/ – [https://en.wikipedia.org/wiki/Open-source_software OSS] client in PHP for EBICS/Germany

==== Business/Financial_Services/Banking_Services : FinTS, HBCI, … ====
* https://de.wikipedia.org/wiki/FinTS
** http://www.FinTS.org = http://www.hbci-zka.de
** http://www.hbci-zka.de/spec/spezifikation.htm
** http://www.hbci-zka.de/spec/fints_v4_1.htm FinTS-4.1 – as of 2015-03 not publicly available with banks in Germany
** http://www.hbci-zka.de/spec/3_0.htm FinTS-3.0 – as of 2015-03 this is the "most progressive" access standard banks in Germany usually provide you with
* https://de.wikipedia.org/wiki/HBCI
** HBCI+ (= HBCI-2.2 "with PIN/TAN support") – as of 2015-03 this is what you can expect at least with most banks in Germany
** http://www.hbci-zka.de/spec/2_2.htm HBCI-2.2
* http://www.ddbac.de/download/Software-Entwickler/FinTS-Segmente.html
** http://www.ddbac.de/download/Software-Entwickler/FinTS-Segmente.html#HKCAN1 HKCAN
** http://www.ddbac.de/download/Software-Entwickler/FinTS-Segmente.html#HKCAZ1 HKCAZ
** http://www.ddbac.de/download/Software-Entwickler/FinTS-Segmente.html#HKECA1 HKECA
===== HBCI4Java etc. =====
* https://github.com/willuhn/hbci4java
* https://github.com/willuhn/hbci4java/tree/master/demo/HBCIBatch
* https://github.com/willuhn/hbci4java/tree/master/misc README
* https://groups.google.com/forum/#!forum/hbci4java
* http://HBCI4Java.kapott.org – a Java-package to enable Java-applications to use HBCI-functions
====== Willuhn, jameica, hibiscus ======
* http://willuhn.de – Olaf Willuhn created a framework (jameica), that he uses to wrap HBCI4Java – the wrapper is called hibiscus
* [[jameica-hibiscus]]
* https://rubygems.org/gems/hibiscus-ruby
* https://github.com/phillipoertel/hibiscus-ruby
====== HBCI4Java within Tomcat ======
* https://github.com/thomet/hbci4javaserver

====== HBCI4Java with JRuby and Rails ======
* http://www.strahlungsfrei.de/blog/2009/08/03/hbci-banking-mit-jruby-on-rails/

====== pecuniabanking.de ======
* http://pecuniabanking.de

===== AqBanking =====
====== AqBanking with Ruby ======
* https://github.com/planio-gmbh/ruby-aqbanking

===== SUSEMBLY Banking 4 =====
* http://subsembly.com/de/banking.html

==== Business/Financial_Services/Banking_Services : ISO 20022 ====
* https://en.wikipedia.org/wiki/ISO_20022
* http://www.iso20022.org
* http://www.iso20022.org/external_code_list.page
* ISBN 9780470972823 = ISO 20022 For Dummies (mentions ''camt'' only once and in no detail at all)
* https://de.wikipedia.org/wiki/Spezial:ISBN-Suche/9780470972823
* http://www.worldcat.org/search?q=isbn:9780470972823
* http://bookzz.org/book/962572/eafa76
* https://www.linkedin.com/groups/SEPA-Account-Statements-CAMT-European-140799.S.111159940
* http://www.iso20022.org/payments_messages.page
** camt – Cash Management
*** camt.052 BankToCustomerAccountReport
*** camt.053 BankToCustomerStatement
*** camt.054 BankToCustomerDebitCreditNotification
*** …
* http://www.iso20022.org/trade_services_messages.page
** tsin – Trade Services Initiation
*** tsin.004 FinancialInvoice
*** …
* [[camt.052-evaluation]] (BankToCustomerAccountReport) – I evaluated the camt.052 delivered by a few German banks (written in German, in order to better address the audience)
===== how I view and navigate camt.052 XML files =====
* http://relaxng.org tells me how to convert XSD to RNG: http://debeissat.nicolas.free.fr/XSDtoRNG.php
* how to convert RNG to RNC: $ trang -I rng -O rnc camt.052.01.004.rng camt.052.001.04.rnc
* emacs with nxml-mode is my vehicle
===== clarifications =====
====== PartyIdentification32 ======
* PartyIdentification32 (camt.052.000.02)
* PartyIdentification43 (camt.052.000.03, camt.052.000.04)
* used for the SEPA ''creditor id'', also called ''CdtrSchmeId''

====== ExternalOrganisationIdentification1Code ======
* ExternalOrganisationIdentification1Code (camt.052.000.*), ''published separately …''
* http://www.iso20022.org/external_code_list.page ''9-OrganisationIdentification''
* does not include ''SEPA''
* includes CBID (''Central Bank Identification Number'')
* isn't that code list good for the creditor id code? but maybe go for CBID?!?

====== ExternalPurpose1Code ======
* ExternalPurpose1Code (camt.052.000.*)
* http://www.iso20022.org/external_code_list.page published separately ''4-CategoryPurpose'' includes: SALA (SalaryPayment), PENS (PensionPayment), GOVT (GovernmentPayment), SSBE (SocialSecurityBenefit)
* http://www.iso20022.org/external_code_list.page published separately ''11-Purpose'' includes: SALA (SalaryPayment), PENS (PensionPayment), CBFF (''capital building fringe fortune'', in German: ''vermögenswirksame Leistungen''), GOVT (GovernmentPayment), SSBE (SocialSecurityBenefit),  BENE (UnemploymentDisabilityBenefit), CHAR (CharityPayment)
* what column should be used?

==== Business/Financial_Services/Banking_Services : SEPA ====
* https://de.wikipedia.org/wiki/SEPA
* https://de.wikipedia.org/wiki/Diskussion:SEPA
* http://www.bayernlb.de/internet/media/de/internet_4/de_1/downloads_5/0800_financial_office_it_operations_5/4200_1/sepa_5/sepaaktuell/Newsletter_SEPA_006.pdf
* http://willuhn.de/wiki/doku.php?id=develop:sepa
* http://www.EuropeanPaymentsCouncil.eu