The Python FinTech package
==========================

This package contains all the functionality that is required to work with
EBICS, SEPA and other financial technologies. The usage has been realised
as simple as possible but also as flexible as necessary.

Features
--------

- Obtain bank account statements (CAMT and MT940)
- Create and submit SEPA credit transfers (pain.001)
- Create and submit SEPA direct debits CORE, COR1, B2B (pain.008)
- Mostly full SEPA support
- Automatic calculation of the lead time based on holidays and cut-off times
- Integrated mandate manager (beta)
- Plausibility check of IBAN and BIC
- Validation of payment orders against the SEPA Clearing Directory of the
  German Central Bank
- Bankcode/Account to IBAN converter according to the rules of the German
  Central Bank
- DATEV converter (KNE)

The FinTech package provides you the possibility to manage all of your everyday
commercial banking activities such as credit transfers, direct debits or the
retrieval of bank account statements in a flexible and secure manner.

All modules can be used free of charge. Only the unlicensed version of the
EBICS module has few restrictions. The upload of SEPA documents is limited
to a maximum of five transactions and bank account statements can not be
retrieved for the last three days.

EBICS example
-------------

.. sourcecode:: python
    
    import fintech
    fintech.register()
    from fintech.ebics import EbicsKeyRing, EbicsBank, EbicsUser, EbicsClient
    
    keyring = EbicsKeyRing(keys='~/mykeys', passphrase='mysecret')
    bank = EbicsBank(keyring=keyring, hostid='MYBANK', url='https://www.mybank.de/ebics')
    user = EbicsUser(keyring=keyring, partnerid='CUSTOMER123', userid='USER1')
    # Create new keys for this user
    user.create_keys(keyversion='A006', bitlength=2048)
    
    client = EbicsClient(bank, user)
    # Send the public electronic signature key to the bank.
    client.INI()
    # Send the public authentication and encryption keys to the bank.
    client.HIA()
    
    # Create an INI-letter which must be printed and sent to the bank.
    user.create_ini_letter(bankname='MyBank AG', path='~/ini_letter.pdf')

    # After the account has been activated the public bank keys
    # must be downloaded and checked for consistency.
    print client.HPB()
    
    # Finally the bank keys must be activated.
    bank.activate_keys()
    
    # Download MT940 bank account statements
    data = client.STA(
        start='2014-02-01',
        end='2014-02-07',
        )


Changelog
---------

v3.0.1 [2015-01-26]
    - Renamed the package from *ebics* to *fintech* and the module *client* to
      *ebics*.
    - Splitted the functionality of the class *EbicsClient* into the classes
      *EbicsClient*, *EbicsBank*, *EbicsUser* and *EbicsKeyRing*. Added the
      new class factory *EbicsClientCompat* for backwards compatibility.
    - Added basic support for EBICS protocol version 2.4 (H003).
    - Added support for certificates.
    - Added the order types FUL and FDL.
    - Added a French and English version of the INI-letter.
    - Added the order types PUB, HCA, HCS and H3K.
    - Added a check of remote SSL certificates against trusted CAs.
    - Fixed the broken functionality of distributed signatures.
    - Added a much faster PBKDF2 implementation.
    - Created a more tolerant MT940 parser.
    - Changed the API of *SEPACreditTransfer* and *SEPADirectDebit* to be more
      consistent and added support for different PAIN scheme versions.
    - Several bug fixes.

v2.1.2 [2014-10-26]
    - Fixed some bugs regarding the distributed signature

v2.1.1 [2014-10-26]
    - Fixed a bug throwing an exception in an unregistered version of PyEBICS.
    - Fixed bug of wrong *OrderParams* tag used by orders of the distributed
      signature.

v2.1.0 [2014-09-29]
    - Added some functionality based on the SCL Directory, published by the
      German Central Bank.

v2.0.3 [2014-09-11]
    - Fixed a bug refusing valid creditor ids.
    - Added a test to check DATEV parameters for invalid arguments.

v2.0.2 [2014-09-05]
    - Fixed a bug in some EBICS requests (missing parameter tag).
    - Fixed a bug in the MT940 parser.

v2.0.1 [2014-08-18]
    - Fixed a bug handling XML namespaces.
    - Changed the behaviour of the flag *parsed* of some methods. Now a
      structure of dictionaries is returned instead of an objectified XML
      object.
    - Changed the expected type of the *params* parameter. Now it must be
      a dictionary instead of a list of tuples.
    - Added support for distributed signatures (HVU, HVD, HVZ, HVT, HVE, HVS).

v1.3.0 [2014-07-29]
    - Fixed a few minor bugs.
    - Made the package available for Windows.

v1.2.0 [2014-05-23]
    - Added new DATEV module.
    - Fixed wrong XML position of UltmtCdtr node in SEPA documents.
    - Changed the order of the (BANKCODE, ACCOUNT) tuple to (ACCOUNT, BANKCODE)
      used by the Account initializer.

v1.1.25 [2014-02-22]
    - Minor bug fix of the module loader.

v1.1.24 [2014-02-21]
    - First public release.
