Lastschriften about fintex

[my-flow]

Hi @zimt28,

I have currently no plans to implement SEPA direct debit (short: SDD, “SEPA-Lastschriften”), but I will accept pull requests. If you want to implement this feature, you could proceed like this:

1. Formally apply for a Creditor Identifier.
2. Find a bank that supports SDD via HBCI, such as Postbank.
3. Sign an SDD collection agreement with your bank.
4. Generate a unique mandate ID.
5. Submit SDD via online-banking application in such a way that you can trace the transmitted HBCI data (e.g. via man-in-the-middle proxy or via in-app HBCI history/log).
6. Implement required HBCI segments by analyzing the data transfer of step 5.
7. Implement more abstract FinTex high-level commands (methods) which makes an HTTP call using the segments defined in step 6.

Improve your algorithm by running steps 2 - 7 with multiple banks. Lather, rinse, repeat ;-)

Good luck!

[torstenklement]

Look at libfintx https://github.com/mrklintscher/libfintx ... There it is already done. We have to translate code from c# to elixir on this point.

[zimt28]

@mrklintscher Nice! As I don't know much about the banking standards and converting it to Elixir might be quite time consuming, it might be easier to use AWS Lambda/ Serverless or ExSharp, but I'm not sure if the latter could work on Linux.

[torstenklement]

You can use mono. It runs on windows and all unix based systems.

[zimt28]

@my-flow Can you recommend a Mac app that has HBCI message logs?

[zimt28]

nemiah/phpSepaXml creates the messages and should be easy to convert to Elixir. I'll play around with it a bit :)