Adding support for additional countries
Prasun Kumar
prasun.code at gmail.com
Mon Jul 13 20:55:03 BST 2020
Hi Ralf,
Thanks so much for this info.
Just to clarify, the checks that are to be performed by the tool on a given
<bank-id> and <account-id> will comprise
of matching the BIC from the database of the respective country and
constraint checking on the <account-id>.
In the case of Germany, every bank has a method field which is used to
verify the account number, since no such field
is present in the available bank data file, this is not applicable here,
right?
Thanks,
Prasun
On Mon, 13 Jul 2020 at 14:22, Ralf Habacker <ralf.habacker at freenet.de>
wrote:
> Am 11.07.20 um 07:44 schrieb Thomas Baumgart:
> > Prasun,
> >
> > On Montag, 6. Juli 2020 21:30:09 CEST Prasun Kumar wrote:
> >
> >> Hi mentors,
> >> Can you guide me on how should I proceed with adding support for
> additional
> >> countries?
> >>
> >> As pointed out in the initial discussions by Ralf,
> >>
> https://invent.kde.org/office/kmymoney/-/blob/master/kmymoney/plugins/ibanbicdata/
> >> contains some python scripts which are to be used to generate databases
> >> which should be added to the library.
> >> The scripts contain the link to the respective bank websites which as
> much
> >> I could understand are related to IBANs.
> >>
> >> However, it would be helpful to get a confirmation about the expected
> >> outcomes of this addition.
>
> There two goals
> - Add support for additional countries to the checking library. The
> bankdata files also need to be added corresponding to these countries.
>
> - Create an API for querying the SQLite databases to enable the
> integration of these databases into other applications.
>
> In the kmymoney case they will be a drop in replacement for the present
> and outdated sqlite databases and the association api (the files located
> at
>
> https://invent.kde.org/office/kmymoney/-/tree/master/kmymoney/plugins/ibanbicdata)
>
> There will be only a few modifications required to switch from the
> present implementation inside kmymoney to the implementation provided by
> ktoblzcheck, e.g. use classes provided by ktoblzcheck.
>
> > I am not sure if that is really feasible. My dutch is very limited but
> the provided
> > list only contains the BIC for each institution.
> Ths is not true, it also provides the bank identifier used to build
> iban's, see the second column of
>
> https://www.betaalvereniging.nl/betalingsverkeer/giraal-betalingsverkeer/bic-sepa-transacties,
>
> which is the source for the sqlite database used by kmymoney for
> netherlands
>
> BIC Identifier
> AABNNL2A AABN
>
> According to
> https://www.xe.com/ibancalculator/sample/?ibancountry=the%20netherlands
> a IBAN for netherland looks like this
>
> IBAN NL91 ABNA 0417 1643 00
> ISO Country Code NL (The Netherlands)
> IBAN Check Digits 91
> BBAN ABNA 0417 1643 00
> Bank Identifier ABNA
> Account Number 0417164300
> SEPA Member Yes
>
> and with the help of the IBAN format specification at
>
> https://www.ecb.europa.eu/paym/integration/retail/sepa/iban/shared/pdf/iban_registry.pdf
> it will be possible to implement checks for IBAN's from netherlands (see
> page 59)
>
> Data element Example
> Name of country The Netherlands
> Country code as defined in ISO 3166 NL
> Domestic account number example 041 71 64 300
> BBAN
> BBAN structure 4!a10!n
> BBAN length 14
> Bank identifier position within the BBAN Positions 1-4
> Bank identifier length 4!a
> Bank identifier example ABNA
> BBAN example ABNA0417164300
> IBAN
> IBAN structure NL2!n4!a10!n
> IBAN length 18
> IBAN electronic format example NL91ABNA0417164300
> IBAN print format example NL91 ABNA 0417 1643 00
> SEPA Country Yes
>
>
> where the following character representations are used in this document
> (see page 5 from the above mentioned document):
>
> n
> Digits (numeric characters 0 to 9 only)
> a
> Upper case letters (alphabetic characters A-Z only)
> c
> upper and lower case alphanumeric characters (A-Z, a-z and 0-9)
> e
> blank space
> The following length indications are used in this document:
> nn!
> fixed length
> nn
> maximum length
>
>
> > The swiss version points to a larger list, but reading the specs at
> >
> >
> https://www.six-group.com/dam/download/banking-services/interbank-clearing/de/bc_bank_master/bc_records.pdf
> >
> > (sorry, only in German) shows me, that not enough information is
> contained to be usable
> > for your endeavor. Just like with the Dutch version, the only
> information is the BIC
>
> The files those specification is designed for is located at
>
> https://www.six-group.com/interbank-clearing/de/home/bank-master-data/download-bc-bank-master.html,
>
> which provides a column SSIC-IID, which is for example 001008 for the
> SNB (https://en.wikipedia.org/wiki/Swiss_National_Bank). According to
> the information for switz bank identifier, which is 5!n, that should be
> 00100.
>
>
> > One thing I could envision is that you can add a separate table with
> columns like
> >
> > Country - BIC - Name of institution - Valid from - Valid until
> >
> > and provide it to applications, so that they can check for valid BICs.
>
> Which is the case for recent kmymoney.
>
> In the second phase of this project an up to date data bank file will be
> provided and the associated api in the third phase.
>
> > But I leave
> > that to Ralf since I don't know what the goal of the project is at that
> point. The
> > one thing I can say is, that the mentioned information is not related to
> IBANs.
>
> Here also with the help of the IBAN format specification at
>
> https://www.ecb.europa.eu/paym/integration/retail/sepa/iban/shared/pdf/iban_registry.pdf
> it will be possible to implement checks for IBAN's from switzerland (see
> page 76)
>
> Data element Example
> Name of country Switzerland
> Country code as defined in ISO 3166 CH
> Domestic account number example 762 1162-3852.957
> BBAN
> BBAN structure 5!n12!c
> BBAN length 17
> Bank identifier position within the BBAN Positions 1-5
> Bank identifier length 5!n
> Bank identifier example 00762
> BBAN example 00762011623852957
> IBAN
> IBAN structure CH2!n5!n12!c
> IBAN length 21
> IBAN electronic format example CH9300762011623852957
> IBAN print format example CH93 0076 2011 6238 5295 7
> SEPA Country Yes
>
> Regards
> Ralf
>
>
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