mapping accounts

[Jack]

Intuit is a big bully in this world.  In many cases, they have a  
special deal with the bank to be able to pull your info using their  
proprietary methods.  If you use their product, you then get your data  
from Intuit, not directly from the bank.  Intuit is big enough to have  
serious clout with the banks.  That's often why banks say they only  
support Quicken, even though their underlying software really supports  
the OFX standard.  They bought the software, and they really have no  
idea how it works.  If you say you are using something else (especially  
open source) they just say it's not supported.

One thing you MIGHT do, is to run something like wireshark to capture  
the packets between your PC and Intuit when you map an account and then  
when you download transactions.  Unless they are using encryption to  
hide your data even from you, you might be able to see if it's OFX or  
not.  If it IS, you might even be able to find out those bits of data  
you need to map.

By they way - that mapping action just does an OFX request to the bank  
(so you need that info to start) and it sends a request to report all  
available accounts for the name/password provided.  Yes, that's a bit  
oversimplified, but that's the core of it.  If you are using libofx  
(the KMM built in OFX) then there is a security setting somewhere in  
the Configure/KMyMoney to turn on ofx logging.  On Linux, it puts a  
file ofxlog.txt in your home directory, with the full transaction.   
Note that also includes plain text passwords, so treat it with care,  
but it sometimes has a more detailed error message than gets surfaced  
to some pop-up.

On 2020.12.16 18:12, Aaron Mehl wrote:
>  Thanks, That helps.I wonder what Intuit Mint is using to connect to  
> my bank since it found it right away. It must be something other then  
> ofx.Aaron
>     On Wednesday, December 16, 2020, 05:54:23 PM EST, Jack  
> <ostroffjh at users.sourceforge.net> wrote:
> 
>  On 2020.12.16 09:34, Aaron Mehl wrote:
> > I am trying to map an account.I see two options:Kbanking doen't  
> list 
> > banks. I see the routing number and account number for my bank. The 
> > online accounts window is empty. What do I need to do to get this 
> > working?
> > I next tried  oxfimporter. My bank wasn't listed so I choose  
> manual. 
> > It asks me for org, fid and url, but I have no idea what I am 
> > supposed to enter into these fields.
> > Any help would be most appreciated,Aaron
> Expanding and repeating to the list some info sent by private email,  
> to 
> make available for searching.
> 
> First, I suggest thinking of online mapping an account as a special 
> subset of importing transactions, even though it's not completely 
> accurate.  File imports can handle multiple file types, but online 
> import is essentially OFX.  However, there are two overall frameworks 
> for online access to account information:  KBanking (aqbanking) and  
> OFX 
> direct connect.  A user is likely to need only one of these, and  
> which 
> one depends on what your institutions support.  KBanking is of us 
> primarily in europe, and direct connect/OFX in the US. (I simply  
> don't 
> recall much discussion relative to other geographic areas.)  KBanking 
> also handles actions other than simple download of transactions, but  
> I 
> only use libofx, sp that's all I can say about KBanking without 
> guessing.
> 
> At least for libofx, if the automatic mapping does not find your 
> institution, it is most likely that your institution simply doesn't 
> support direct connect.  The ability to manually enter those fields  
> is 
> for the rare cases where the institution does support download, but 
> does not publish that info in a way that the usual channels find it.  
> On rare occasion - the bank will actually give a customer those 
> numbers, but usually not.  In that case, a web search MIGHT find  
> them. 
> Further discussion about this topic can get philosophical and 
> political, but based on my personal experience and some discussions  
> on 
> this list, banks don't do their own OFX support, they buy it from 
> someone else, and to keep costs down, they say they only support 
> Quicken, for example.  If you have a problem, they direct you to call 
> intuit.  They often explicitly say they don't support anything else, 
> and you are often lucky if they will talk to you at all, and are even 
> luckier if they are actually able to help you.
> 
> For example, many banks do not provide adequate error messages when 
> they can't complete an OFX request, and only say that an invalid user 
> name and/or password was used.  They often wont tell you which  
> versions 
> of Quicken they support, so you may have to guess and try different 
> values when attempting to map the account.  They also won't generally 
> tell you whether the ClientUID is required, so you may have to guess 
> and try with and without.
> 
> To your specific questions:  when you say you see the routing and 
> account number - where do you see them?  If you entered them when 
> creating the account, and see them in a KBanking window, it's  
> probably 
> just because it found them in the KMM info for the account.  I doubt 
> very much they will help in finding the correct mapping information  
> for 
> the institution.
> 
> I'll expand further, if I think of anything else to add.
> 
> Jack