                                                                    2007/04/05

                                Content
                                =======

               1.   What Is AqBanking ?
               1.1.   Generic Online Banking Interface
               1.2.   Generic Financial Data Importer/Exporter Framework
               1.3.   Bank/Account Information
               2.   Supported Platforms
               3.   Supported Frontends
               4.   Supported Backends
               4.1.   HBCI
               4.2.   OFX Direct Connect
               4.3.   YellowNet
               4.4.   DTAUS
               4.5.   GeldKarte
               4.6.   None
               5.   What Do I Need ?
               5.1.   Required Packages
               5.2.   Applications
               6.   Building AqBanking
               6.1.   Building from the Tar File
               6.2.   Building from CVS
               6.3.   Building the API Documentation
               6.4.   Notes on porting the qt parts to Qt-4: 
               7.   Windows Registry Keys Used
               7.1.   Software\\AqBanking\\Paths\\pkgdatadir
               7.2.   Software\\AqBanking\\Paths\\sysconfdir
               7.3.   Software\\AqBanking\\Paths\\bankinfodir
               7.4.   Software\\AqBanking\\Paths\\providerdir
               7.5.   Software\\AqBanking\\Paths\\importerdir
               8.   Environment Variables Used
               8.1.   AQBANKING_LOGLEVEL
               8.2.   AQBANKING_STORE_JOBLOGS
               8.3.   AQHBCI_LOGBOOKED
               8.4.   AQHBCI_LOGNOTED
               8.5.   AQHBCI_DEBUG_JOBS
               8.6.   AQOFX_LOG_COMM
               9.   Security in PIN/TAN Mode
               10.  Using Your Own Profiles for Im-/Exporters
               11.  Thanks



1. What Is AqBanking ?
======================

AqBanking is a library for online banking and financial
applications. It has three major goals which are described in the
following paragraphs.

(Note: Information in German can be found on
http://linuxwiki.de/AqBanking )

The homepage of AqBanking is http://www.aqbanking.de/


1.1. Generic Online Banking Interface
-------------------------------------

The intention of AqBanking is to provide a middle layer between the program
and the various Online Banking libraries (e.g. AqHBCI, OpenHBCI etc). 

The real work is done in so-called banking backends. See chapter 4 for a
list of supported backends.



1.2. Generic Financial Data Importer/Exporter Framework
-------------------------------------------------------

AqBanking uses various plugins to simplify import and export of financial
data. It also provides the administration of profiles on a per import/export
plugin basis.

Currently there are plugins for the following formats:

- Importers:
  - DTAUS (German financial format)
  - SWIFT (MT940 and MT942)
  - OFX
  - CSV
  - OpenHBCI1 transactions
  - ERI
  
- Exporters
  - DTAUS (German financial format)
  - CSV


1.3. Bank/Account Information
-----------------------------

AqBanking supports plugins which allow lookup and verification of
bank code/ account id pair validity. For Germany the library
KtoBlzCheck is used for validation, but the bank information is
shipped with aqbanking.

Currently AqBanking provides informations about:
- ca 25,000 US banks
- ca 20,000 German banks
- ca  3,600 Swiss banks
- ca  2,300 Austrian banks

AqBanking also provides information about countries: Country name, ISO-3166
country code (both numeric and alpha) and currency information (ISO 4217
currency codes).



2. Supported Platforms
======================

AqBanking uses the library Gwenhywfar (http://gwenhywfar.sf.net/) for 
abstraction of the underlying system. So it should work on any system for 
which Gwenhywfar is available. 

This includes (but is not limited to): 
 - Linux (of course ;-)
 - Windows (WIN32 platforms, such as Windows95 up to Windows XP)
 - most POSIX systems (such as the BSDs) should also be supported, 
   however, this is untested



3. Supported Frontends
======================

The aqbanking package includes several so-called frontends which
offer a simplified interface between aqbanking and GUI
applications. The aqbanking library itself requires the
implementation of various user interaction functions (e.g. opening
a message box), and for particular GUI libraries these are already
available in the respective frontends. 

Basically all common GUI libraries (KDE, GNOME, Qt, console) are
supported, and there exist frontend libraries for each of them. This
is accomplished by only a few callback functions for user
interaction which can be overloaded by applications.

This package contains the following frontends:
 - GTK 2 ("g2banking")
 - Qt 3  ("qbanking"), can also be converted to Qt4 as described below
 - KDE 3 ("kbanking")
 - Console ("cbanking")



4. Supported Backends
=====================

AqBanking includes all its currently known banking backends.


4.1. HBCI
---------

The backend AqHBCI provides support for the German online banking protocol
called "Homebanking Computer Interface". It is a national standard provided
by most German credit institutes.

The following security media are supported:
 - DDV chipcard (DES-DES-Verfahren)
 - RSA chipcard (RSA-DES-Hybrid mode)
 - OpenHBCI keyfile (either OpenHBCI 1 or 2, this medium allows continued use 
                     with OpenHBCI in parallel)
 - PIN/TAN (PIN/TAN mode using HTTP over SSL)

This backend supports the HBCI versions 2.01, 2.10 and 2.20.


4.2. OFX Direct Connect
-----------------------

This backend provides support for an online banking protocol used in the 
United States, Canada and maybe in the United Kingdom.


4.3. YellowNet
--------------

AqYellowNet provides support for the online banking protocol used by the
Suisse "Post Finance" credit institute.
This bank required me to sign a nondisclosure agreement so the module is
available binary-only.

To use YellowNet with AqBanking you must tell your bank to provide you with
SWIFT files for download instead of XML.


4.4. DTAUS
----------

DTAUS is an offline protocol which uses floppy discs to transfer data between
customers and a credit institute. The bank expects the disc to contain a file
of a well defined format which is created by this backend.


4.5. GeldKarte
--------------

A GeldKarte is a kind of cash card used in Germany. Such a card stores a
balance and a number of transactions. This information is made available to
accounting programs via this backend.


4.6. None
---------

This is a fallback module which can be used by applications for accounts which
are not managed by any online banking backend.



5. What Do I Need ?
===================


5.1. Required Packages
----------------------

AqBanking has several direct dependencies:

- "Gwenhywfar" >= 2.9.0, available from
http://gwenhywfar.sf.net/, is absolutely required

- "GMP", the GNU MP Bignum Library available from 
  http://gmplib.org/index.html is required for calculations

- "KtoBlzCheck" >= 1.0 from http://sf.net/projects/ktoblzcheck is
required for the German bank account number checking, otherwise
the account number checking will not be compiled.

- "libchipcard" >= 3.1.0 from http://www.libchipcard.de is
required for the aqgeldkarte backend, otherwise the geldkarte
parts cannot be compiled

- The python module "ctypes" http://sf.net/projects/ctypes is
required for the python wrappers of aqbanking. The python wrappers
are installed by default (to disable it, use --disable-python),
but they cannot be used unless "ctypes" is installed.

In aqbanking versions earlier than 1.3.0, the backends (e.g.
"aqhbci") were available in separate packages, but since 1.3.0
these have now been integrated into the aqbanking package. For
details, see the NEWS entry of the 1.3.0 release.

(Note: Further information in German can be found on
http://linuxwiki.de/AqBanking )


5.2. Applications
-----------------

These applications fully or partially support AqBanking:
 - QBankManager (http://www.aquamaniac.de/qbanking/)
 - Gnucash (http://www.gnucash.org/)
 - KMyMoney (http://kmymoney2.sf.net/)
 - (partially) Grisbi (http://sourceforge.net/projects/grisbi)
 - OrgaMon (http://orgamon.org/)

The aqbanking package also includes several command-line tools
(aqbanking-tool, aqhbci-tool) and GUI tools (qt3-wizard etc)
used by Gnucash, KMyMoney and QBanking to let the user setup,
modify and debug HBCI settings.

(Note: Further information in German can be found on
http://linuxwiki.de/AqBanking )



6. Building AqBanking
=====================


6.1. Building from the Tar File
-------------------------------

#>./configure
#>make
#>make install

(the last step most probably requires you to be root)

Compilation hints for specific platforms:

- For FreeBSD and potentially other non-Linux platform, it might be
  necessary to use "gmake" instead of the "make" program.

- Also, if your "make" program happens to complain about the variable
  definition "I18NFILES = $(shell cat ..." (in Makefile.in around line
  230) and related definitions, then you need to look for comments in
  the Makefile about "old make programs". Follow the instructions in
  these comments, i.e. set some variable definitions to an empty
  variable manually. This should remove all potentially incompatible
  directives from the Makefile.

- (especially on Mac/Darwin): If your configure run does not
  detect the QT libraries and it says "checking for qt3
  libraries... not found", then you need to specify the linker
  flags for qt3 manually in the env variable qt3_libs. I.e. if
  your qt3 library files are in /opt/qt/lib and is called
  libqt-mt, then you need to specify 
  ./configure qt3_libs="-L/opt/qt/lib -lqt-mt"


6.2. Building from CVS
----------------------

#>make -fMakefile.cvs

and continue as described in "5.1. Building from the Tar File".


6.3. Building the API Documentation
-----------------------------------

#>make srcdoc

If you want to install a linked API documentation (which links against the
API documentations of the projects AqBanking depends on) use this:

#>make install-srcdoc

This installs the linked doc to the path you gave to ./configure
by "--with-docpath=PATH". It defaults to "$HOME/apidoc", which
means it does *not* obey the --prefix argument.


6.4. Notes on porting the qt parts to Qt-4: 
------------------------------------------

The Qt4 library is available as GPL on Linux *and* Windows, which
means this online banking programm is available on windows as well,
which is a GOOD THING!

But qt4 is not at all source compatible to qt3, see
http://doc.trolltech.com/4.0/porting4.html. Trolltech provides a
tool for the necessary class renaming, called "qt3to4". This
aqbanking package already has the necessary make rules ("make
qt4-port") for calling that tool on all source files for the
"qbanking" frontend and the ui-tools of the "aqhbci" backend, if
the qt4 library has been detected at configure time. I.e. if you
want to use this package in qt4, do the following two steps:

1. Call ./configure with qt3_libs and qt3_includes set so that the
   Qt4 libraries are found
2. Call "make qt4-port"
3. As usual call "make"

An example for ./configure is this, where $QTDIR has been set to
/my/qt4/dir beforehand:

  ./configure 
     --enable-debug 
     --prefix=/my/prefix QTDIR=$QTDIR 
     qt3_libs="-L$QTDIR/lib -lQtCore -lQtGui -lQt3Support" 
     qt3_includes="-I$QTDIR/include -I$QTDIR/include/Qt -I$QTDIR/include/QtCore -I$QTDIR/include/QtGui -I$QTDIR/include/Qt3Support"

or on Windows/mingw32

  ./configure -C 
    --enable-debug QTDIR=$QTDIR 
    qt3_libs="-L$QTDIR/bin -lQtCore4 -lQtGui4 -lQt3Support4" 
    qt3_includes="-I$QTDIR/include -I$QTDIR/include/Qt -I$QTDIR/include/QtCore -I$QTDIR/include/QtGui -I$QTDIR/include/Qt3Support" 
    --with-gwen-dir=/c/Programme/gwenhywfar 
    --with-aqbanking-dir=/c/Programme/aqbanking

-- 2005-08-10, cstim



7. Windows Registry Keys Used
=============================

AqBanking uses registry keys below HKEY_CURRENT_USER.  Currently the
following keys are used. These keys are created by the setup.exe which
contains the binary package for WIN32 platforms.

 Note: Additionally in Sept/Oct 2007 a relocatable mode of aqbanking
 has been introduced. This might mean that those registry keys are not
 needed anymore. (FIXME: Need to clarify this.)


7.1. Software\\AqBanking\\Paths\\pkgdatadir
-------------------------------------------
This is the data folder (i.e. $PREFIX/share/aqbanking on POSIX systems).


7.2. Software\\AqBanking\\Paths\\sysconfdir
-------------------------------------------
This is the folder containing system configuration files.
(i.e. $PREFIX/etc on POSIX systems).


7.3. Software\\AqBanking\\Paths\\bankinfodir
-------------------------------------------
This folder is used to store bankinfo plugins.


7.4. Software\\AqBanking\\Paths\\providerdir
-------------------------------------------
This folder is used to store provider (backend) plugins.


7.5. Software\\AqBanking\\Paths\\importerdir
-------------------------------------------
This folder is used to store importer/exporter plugins.



8. Environment Variables Used
=============================


8.1. AQBANKING_LOGLEVEL
-----------------------

This variable stores the loglevel to be used for AqBanking.
Possible values are: emergency, alert, critical, error, warning, notice,
info, debug and verbous.


8.2. AQBANKING_STORE_JOBLOGS
----------------------------
If this variable is defined then AqBanking will always store job logs with 
jobs. Otherwise job logs are only stored for jobs with a status other than
"finished". Job logs can become quite big.


8.3. AQHBCI_LOGBOOKED
---------------------
If this environment variable exists then the file "/tmp/booked.mt" is created
upon reception of transactions via the job GetTransactions. This file then
contains a SWIFT MT940 document which can be very helpfull in case there is
a problem in the SWIFT parser.


8.4. AQHBCI_LOGNOTED
--------------------
Same as AQHBCI_LOGBOOKED but for noted transactions (which are transactions
which are noted but ot yet booked)


8.5. AQHBCI_DEBUG_JOBS
----------------------
If this variable exists then additional debugging data is stored with each
job.


8.6. AQOFX_LOG_COMM
-------------------
If this variable exists then all OFX communication is logged to /tmp/ofx.log.
This is only needed when debugging AqOfxConnect.
WARNING: This might expose your user id and password to everyone who can read
that file!



9. Security in PIN/TAN Mode
===========================

In PIN/TAN mode AqHBCI stores certificates of the bank in a special folder:
      $HOME/.banking/backends/aqhbci/data/banks/280/<BLZ>/certs/.
(<BLZ> is the routing number of your bank, German "Bankleitzahl")

Authentification of the bank is only possible by checking against the known
certificates stored in this folder.

For maximum security you could chown this folder to another user and make it
readable and accessible by the running user after having received and 
acknowledged the bank's certificate.

This way the running application is able to read and verify the certificates
but unable to modify it or to add new ones.



10. Using Your Own Profiles for Im-/Exporters
=============================================

You can create your own profiles to be used with the various importers.
For AqBanking to recognize your private profiles they must be stored in
the user local folder. 
E.g. CSV profiles on Linux must be stored in 
"$HOME/.aqbanking/imexporters/csv/profiles/".



11. Thanks
==========

I wish to thank the following (among others) people for their support in 
making AqBanking work:
- Christian Stimming (build-system and tarball cleanup, translations, inputs)
- Jens Koerner (did some huge jobs to provide German translation)
- David Reiser (for helping in debugging the OFX DirectConnect code)
- Christoph Bohl (for helping with the YellowNet backend)

- and of course the many people who submitted bug reports !!


Martin Preuss, Hamburg/Germany, 2007/11/11

