README

PHP库，通过EBICS协议与银行进行通信。
支持的PHP版本 - PHP 7.2 - PHP 8.1
支持Ebics服务器版本：2.5（默认），3.0

许可证

andrew-svirin/ebics-client-php遵循MIT许可证，有关详细信息，请参阅LICENSE文件

为您的项目开发并集成Ebics

👉👍 联系Andrew Svirin https://www.linkedin.com/in/andriy-svirin-0138a177/

安装

$ composer require andrew-svirin/ebics-client-php

如果您需要解析Cfonb 120、240、360，请使用andrew-svirin/cfonb-php。如果您需要解析MT942，请使用andrew-svirin/mt942-php

初始化客户端

您需要从您的银行获取以下信息

HostID
HostURL
PartnerID
UserID

<?php

use AndrewSvirin\Ebics\Services\FileKeyRingManager;
use AndrewSvirin\Ebics\Models\Bank;
use AndrewSvirin\Ebics\Models\User;
use AndrewSvirin\Ebics\EbicsClient;

// Prepare `workspace` dir in the __PATH_TO_WORKSPACES_DIR__ manually.
$keyRingRealPath = __PATH_TO_WORKSPACES_DIR__ . '/workspace/keyring.json';
// Use __IS_CERTIFIED__ true for French banks, otherwise use false.
$keyRingManager = new FileKeyRingManager();
$keyRing = $keyRingManager->loadKeyRing($keyRingRealPath, __PASSWORD__);
$bank = new Bank(__HOST_ID__, __HOST_URL__, __EBICS_SERVER_VERSION___);
$bank->setIsCertified(__IS_CERTIFIED__);
$user = new User(__PARTNER_ID__, __USER_ID__);
$client = new EbicsClient($bank, $user, $keyRing);

执行INI、HIA、HPB请求并更新密钥环。

<?php

use AndrewSvirin\Ebics\Contracts\EbicsResponseExceptionInterface;

try {
    /* @var \AndrewSvirin\Ebics\EbicsClient $client */
    $client->INI();
    /* @var \AndrewSvirin\Ebics\Services\FileKeyRingManager $keyRingManager */
    /* @var \AndrewSvirin\Ebics\Models\KeyRing $keyRing */
    $keyRingManager->saveKeyRing($keyRing, $keyRingRealPath);
} catch (EbicsResponseExceptionInterface $exception) {
    echo sprintf(
        "INI request failed. EBICS Error code : %s\nMessage : %s\nMeaning : %s",
        $exception->getResponseCode(),
        $exception->getMessage(),
        $exception->getMeaning()
    );
}

try {
    $client->HIA();
    $keyRingManager->saveKeyRing($keyRing, $keyRingRealPath);
} catch (EbicsResponseExceptionInterface $exception) {
    echo sprintf(
        "HIA request failed. EBICS Error code : %s\nMessage : %s\nMeaning : %s",
        $exception->getResponseCode(),
        $exception->getMessage(),
        $exception->getMeaning()
    );
}

try {
    $client->HPB();
    $keyRingManager->saveKeyRing($keyRing, $keyRingRealPath);
} catch (EbicsResponseExceptionInterface $exception) {
    echo sprintf(
        "HPB request failed. EBICS Error code : %s\nMessage : %s\nMeaning : %s",
        $exception->getResponseCode(),
        $exception->getMessage(),
        $exception->getMeaning()
    );
}

针对法国银行的说明

如果您正在与法国银行打交道，您需要创建一个X509自签名证书。您可以通过创建一个扩展AbstractX509Generator的类（或者如果您想完全控制生成过程，则实现X509GeneratorInterface）来实现这一点。

<?php

namespace App\Factories\X509;

use AndrewSvirin\Ebics\Models\X509\AbstractX509Generator;

class MyCompanyX509Generator extends AbstractX509Generator
{
    protected function getCertificateOptions() : array {
        return [
             'subject' => [
                'DN' => [
                    'id-at-countryName' => 'FR',
                    'id-at-stateOrProvinceName' => 'State',
                    'id-at-localityName' => 'City',
                    'id-at-organizationName' => 'Your company',
                    'id-at-commonName' => 'yourwebsite.tld',
                    ]
                ],
                'extensions' => [
                    'id-ce-subjectAltName' => [
                    'value' => [
                        'dNSName' => '*.yourwebsite.tld',
                    ]
                ],
            ],
        ];
    }
}

您可以在LegacyX509Generator类中看到更多值。

一旦创建您的类，请调用X509GeneratorFactory::setGeneratorClass()方法

<?php

//...
/* @var \AndrewSvirin\Ebics\EbicsClient $client */
$client->INI();
$client->setX509Generator(new MyCompanyX509Generator);

其他示例

FDL（文件下载）

<?php

use AndrewSvirin\Ebics\Exceptions\NoDownloadDataAvailableException;
use AndrewSvirin\Ebics\Contracts\EbicsResponseExceptionInterface;

try {
    /* @var \AndrewSvirin\Ebics\EbicsClient $client */
    //Fetch data from your bank
    $fdl = $client->FDL('camt.xxx.cfonb120.stm');

    //Plain format (like CFONB)
    $content = $fdl->getData();
    
    //XML format (Like MT942)
    $xmlContent = $fdl->getDataDocument();
    }
} catch (NoDownloadDataAvailableException $exception) {
    echo "No data to download today !";
} catch (EbicsResponseExceptionInterface $exception) {
    echo sprintf(
        "Download failed. EBICS Error code : %s\nMessage : %s\nMeaning : %s",
        $exception->getResponseCode(),
        $exception->getMessage(),
        $exception->getMeaning()
    );
}

您可以在tests/EbicsTest中找到更多方法

EBICS压缩文件订单类型（Z53，Z54）。

某些响应以文件列表的形式发送。

/* @var \AndrewSvirin\Ebics\EbicsClient $client */
$z54 = $client->Z54();

$files =$z54->getDataFiles()

全局流程和与银行部门的交互

1. 创建并存储您的3个密钥

<?php

use AndrewSvirin\Ebics\Contracts\EbicsResponseExceptionInterface;

/* @var \AndrewSvirin\Ebics\EbicsClient $client */
// For French bank or for EBICS 3.0.
// MyCompanyX509Generator simple certificate class. Create your own.
$client->setX509Generator(new MyCompanyX509Generator);

try {
    $client->INI();
    /* @var \AndrewSvirin\Ebics\Services\FileKeyRingManager $keyRingManager */
    /* @var \AndrewSvirin\Ebics\Models\KeyRing $keyRing */
    $keyRingManager->saveKeyRing($keyRing, $keyRingRealPath);
} catch (EbicsResponseExceptionInterface $exception) {
    echo sprintf(
        "INI request failed. EBICS Error code : %s\nMessage : %s\nMeaning : %s",
        $exception->getResponseCode(),
        $exception->getMessage(),
        $exception->getMeaning()
    );
}

try {
    $client->HIA();
    $keyRingManager->saveKeyRing($keyRing, $keyRingRealPath);
} catch (EbicsResponseExceptionInterface $exception) {
    echo sprintf(
        "HIA request failed. EBICS Error code : %s\nMessage : %s\nMeaning : %s",
        $exception->getResponseCode(),
        $exception->getMessage(),
        $exception->getMeaning()
    );
}

2. 生成EBICS函件

/* @var \AndrewSvirin\Ebics\EbicsClient $client */
$ebicsBankLetter = new \AndrewSvirin\Ebics\EbicsBankLetter();

$bankLetter = $ebicsBankLetter->prepareBankLetter(
    $client->getBank(),
    $client->getUser(),
    $client->getKeyRing()
);

$pdf = $ebicsBankLetter->formatBankLetter($bankLetter, $ebicsBankLetter->createPdfBankLetterFormatter());

3. 等待银行验证和访问激活。

4. 获取银行密钥。

try {
    /* @var \AndrewSvirin\Ebics\EbicsClient $client */
    $client->HPB();
    /* @var \AndrewSvirin\Ebics\Services\FileKeyRingManager $keyRingManager */
    /* @var \AndrewSvirin\Ebics\Models\KeyRing $keyRing */
    $keyRingManager->saveKeyRing($keyRing, $keyRingRealPath);
} catch (EbicsResponseExceptionInterface $exception) {
    echo sprintf(
        "HPB request failed. EBICS Error code : %s\nMessage : %s\nMeaning : %s",
        $exception->getResponseCode(),
        $exception->getMessage(),
        $exception->getMeaning()
    );
}

jorklo / ebics-client-php

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