如何拉取银行交易记录？
我注意到某些应用程序提供的功能允许用户从网上银行系统提取交易记录（通常是信用卡）。通常支持特定银行。
实现此目的的一般方法是什么（即使用 API 或其他方法）？我看到一个网络应用程序支持我想要从（ANZ）提取交易记录的银行，所以我知道这是可以实现的 - 但无法找到任何类型的在线银行 API 的参考。
我打算在 Ruby on Rails 中实现一个解决方案，但我想无论使用哪种语言，底层方法都适用。
I have noticed that some applications provide functionality allowing the user to pull down transaction records (usually for credit cards) from an online banking system. Usually specific banks are supported.
What is the general method to achieve this (i.e., using an API, or something else)? I have seen a web app that supports the bank that I want to pull down transaction records from (ANZ), so I know it's achievable - but have not been able to find any references to any kind of online banking API.
I intend to implement a solution in Ruby on Rails, but I imagine the underlying method would hold regardless of the language used.
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也许bankjob gem 可能有用：
http://bankjob.rubyforge.org/
Perhaps the bankjob gem might be useful:
http://bankjob.rubyforge.org/
联系相关银行并询问他们的 API - 您想要的大部分信息都与安全/自动登录问题有关。实际数据通常仅作为 CSV 文件传输。
我知道说起来容易做起来难，但要坚持下去，直到你真正与 IT 领域的人交谈，他们可以回答问题，而不仅仅是律师和前台人员。亲自完成一些工作比通过电子邮件或电话更有帮助——毕竟银行是保守的组织（如果你的钱存在那家银行，你也希望它们存在）。
编辑：
现在，在与银行打交道时，如果您遇到这样的事情，请不要感到惊讶：美国运通安全 - 这种令人瞠目结舌的愚蠢行为背后是什么？ - 传统大型机系统，仅接受 6-8 个字符、小写字母、字母数字条目，不含空格和特殊字符。这就是为什么大多数银行不愿意让人们了解任何面向外部的 API。
Contact the bank in question and ask them for their API - most of the information you want relates to the security/automated logon issues. the actual data is usually just transferred as a CSV file.
I know easier said than done, but be persistent until you actually are talking to someone in the IT area who can answer questions and not just lawyers and front people. It helps to do some of this in person rather than by email or phone - banks are conservative organizations after all (and if your money is in that bank you want them to be).
EDIT:
Now when dealing with banks don't be surprised if you run into stuff like this:AMEX Security - what's behind this jaw dropping stupidity? - a legacy mainframe system that only accepts 6-8 character, lowercase, alphanumeric entries with no spaces and no special characters. This is why most banks are reluctant to let people know about any outward facing APIs.
嗨，我知道这是 6 年后的事了，但是......我想我会回答这个问题，以便未来的用户（像我一样）可以提出解决方案。
银行现在有 api，因此您可以使用 httparty gem 之类的东西来解析 api 数据。
一个简单的选择是 yodlee 及其 api，或者如果使用 Rails Yodlee-icious 宝石。
希望有帮助。
Hi I know this is 6 years later but... I thought i would answer it so that future users(like me ) could come up with a solution.
Banks now have api's so you could use something like httparty gem to parse api data.
A simple option is yodlee and their api, or if using rails the Yodlee-icious gem.
hope that helps.