整合银行账户

发布于 2024-10-12 12:16:27 字数 1539 浏览 11 评论 0原文

如果你对这篇内容有疑问,欢迎到本站社区发帖提问 参与讨论,获取更多帮助,或者扫码二维码加入 Web 技术交流群。

扫码二维码加入Web技术交流群

发布评论

需要 登录 才能够评论, 你可以免费 注册 一个本站的账号。

评论(3

ㄖ落Θ余辉 2024-10-19 12:16:27

您需要询问银行,您是哪家银行的?大多数主要提供商都允许对其系统进行某种编程访问。

如果失败(且不考虑安全性),您可以向银行网站生成 HTTP 请求/响应,并在提供正确的凭据后进行回复,应该能够检索在线可用的任何信息(例如过去的报表) - 如果他们以 PDF 形式提供,则更好格式。

不确定您位于哪个国家/地区,但 Egg Plc 使用 Active X 控件打开并读取其他银行客户的余额为他们做账——显然是经过他们的许可的。它运作得很好。

You'll need to ask the bank that, which bank are you with? Most major providers allow some kind of programmatic access to their systems.

Failing that (and security aside) you could generate a HTTP Request/Response to the banks website and replying on being provided the correct credentials should be able to retreive any information available online (such as past statements) - bonus if they provide them in PDF format.

Not sure which country you are in but Egg Plc use an Active X control to open and read the balance of customers other bank accounts for them - obviously with their permission. It works pretty well.

静待花开 2024-10-19 12:16:27

我很确定这有一些严重的限制。每个银行可能有另一个 API,每个银行可能/将会有一个相当好的安全上下文。但假设您确实可以访问一个(多个)银行的 API。因此,您确实为例如银行帐户信息提供了另一个 UI。

如果我使用你的程序,我会非常非常小心!我没有看到您的代码,我不知道您如何处理我的用户/帐户信息 - 所以我不会向您提供任何帐户信息!

如果您滥用我的信息并尝试提取资金怎么办(是的,我知道,在大多数情况下,会有一个单独的安全层来阻止此 TAN、PIN)。无论如何 - 使用/提供网上银行功能的软件 - 不是由银行提供/或由银行授权/正式检查 - 对我来说看起来非常可疑!

抱歉,我建议不要使用其他帐户信息实现任何网上银行功能。

I am pretty sure that there are some heavy limitations for this. Every bank may have another API, every bank may/will have a pretty good security context. But lets assume you do have access to an API of one (many) banks. So you do provide another UI for e.g. bank account information.

If I would use your program I would be very, very careful! I don't see your code, I do not know what you do with my user/account information - so I would not give you any account information!

What if you misuse my information and try to withdraw money (yea yea I know, in most cases there will be a seperate security layer preventing this TANs, PINs aso). In any way - A software using/providing net-banking functionality - which is not provided BY a bank / or authorized/officially checked by a bank - looks very suspicious to me!

I am sorry, but I would recommend not implementing any netbanking functionality using others account information.

栖竹 2024-10-19 12:16:27

在“使用这个和那个”方面没有太多可以建议的。问题是每家银行都有自己的系统和接口(如果他们提供的话)。银行通常是建立在传统旧系统之上的庞大结构,并且适应速度很慢,因此它们很可能根本不为外部程序提供任何接口(除了传统之外,还涉及安全措施)。

该序言表示,这意味着您需要确定您的客户最有可能使用哪些银行,然后与这些银行交谈,如果它们为外部程序/提供商提供任何接口,以获取您想要提供给客户的信息。但要做好准备,银行表示他们只向其他银行提供这项服务,甚至根本不提供这项服务。

如果我们谈论类似于贝宝等银行的互联网结构,情况会略有不同,……我说类似是因为他们也有账户,并且可以填写和使用这些账户,……。这些结构通常具有某种形式的接口,可用于使用它们,但据我所知,即使这些结构也没有提供直接的方式让您告诉客户他们的当前帐户状态是什么。为此,他们必须去那里登录他们的帐户。

因此,总而言之,您必须与各个提供商/银行交谈,但除了他们向您提供有关如何调用其网站的信息以便填写一笔交易的初始信息之外,您极不可能在那里获得任何界面(对于普通银行......很可能根本没有界面)。

There is not much that can be suggested there in terms of "use this and that". The problem is that each and every bank has its own system to do things and its own interfaces (if they even provide any). Banks are most often huge constructs that build on traditional old systems and are slow to adapt thus it is quite possible that they don't provide any interface for external programs at all (in addition to being traditional it is also about security measures).

That prelude said this means that you would need to decie which banks your customers most likely use and then talk with these banks if they provide any interface for external programs/providers to get the infos you want to provide to your customers. But be prepared for that the bank says that they only provide this service to other banks or even an outright no.

It is slightly different if we talk about internet constructs that are similar to banks like paypal,.... I say similar as they also have accounts and those can be filled and used, ... . These constructs OFTEN have some form of interface that can be used to use them BUT as far as I am aware even these don't provide a direct way for you to tell your customer what the current account status of theirs is. For this they have to go and log into their account THERE.

Thus all in all you will have to talk to the individual providers/banks but aside from them giving you informations on how to call their website so that the initial info for one transaction is filled in it is HIGHLY unlikely you will get any interface there (and for normal banks.....most probably no interface at all).

~没有更多了~
我们使用 Cookies 和其他技术来定制您的体验包括您的登录状态等。通过阅读我们的 隐私政策 了解更多相关信息。 单击 接受 或继续使用网站,即表示您同意使用 Cookies 和您的相关数据。
原文