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Moderne B2B REST-API für Bankkonten.
Automatisierung von Eingehenden und Ausgehenden
Geldtransaktionen im Geschäftsumfeld
JAN KUS Früher mal Entwickler
Geschäftsführer Railslove,
hack.institute
FinTech, Rails, React,
Ember, Startups,
Hackathons
EBICS ?
EBICS
ELECTRONIC BANKING INTERNET
COMMUNICATION STANDARD
multibankfähigen Standard für die Übertragung von
Zahlungsverkehrsdaten über das Internet.
Verfügbar in Deutschland, Frankreich, Österreich,
Schweiz und wird stetig durch weitere Länder im
Europäischen SEPA Raum akzeptiert.
HBCI/FinTS für Geschäftskunden
since 2006
fehlender Link zwischen Webapplikationen und
Banken.
Leider viel zu umständlch…
EBICS
EBICS - KERNEIGENSCHAFTEN
KERNEIGENSCHAFTEN
Überweisungen
Transaktionen
Lastschriften
Verteilte elektronische Unterschrift (VEU)
EBICS - VORTEILE
VORTEILE
Keine PIN/TAN Abfragen
Offener Standard
Hohe Sicherheit (SSL & Public-Key-
Verschlüsselungsverfahren verschlüsselt ||
Übertragung via Zertifikate)
Bildet im Standard Geschäftsprozesse ab (VEU)
EBICS - NACHTEILE
NACHTEILE
Bildet im Standard Geschäftsprozesse ab (VEU)
Wenig Libraries und wenn dann sehr Low-Level und
teuer
Sehr viel Prozesswissen erforderlich
EBICS - NACHTEILE
NACHTEILE
Aufwändiges Onboarding/Anbindung
Usability für Entwickler ist verbesserungswürdig
Keine eindeutigen Transaktions-Ids
WAS MUSS ICH TUN UM EBICS ZU
BENUTZEN?
ONBOARDING
https://flic.kr/p/FT99Fg
EBICS - ONBOARDING
Öffentlicher
Schlüssel für
bankfachliche EU
Öffentlicher
Schlüssel für
Authentifikation
Öffentlicher
Schlüssel für
Verschlüsselung
Internet
EBICS: INI und HIA
Teilnehmer erzeugt
Schlüssel
EBICS!
EBICS?
PIN BRIEF
UNTERSCHRIFT
FAX
POST
Keine Rückmeldung…test.. test,…
test…
test… test….
EBICS::Box
EBICS - ONBOARDING
EBICS!
EBICS?
Öffentlicher Schlüssel
für bankfachliche EU
Öffentlicher Schlüssel
für Authentifikation
Öffentlicher Schlüssel
für Verschlüsselung
Internet
EBICS: H3K
CA
Teilnehmer erzeugt
Schlüssel
…CAN THIS BE A UNICORN
OR THE NEXT BIG THING?
https://flic.kr/p/eeAukz
EBICS…
EBICS ist mächtig, aber nicht Zeitgemäß für
Anwendungsfälle in unserer FinTechWeb Welt
implementiert.
Deshalb haben wir eine HTTP Abstraktionsebene für
EBICS entwickelt mit einigen kleinen sinnvollen
Erweiterungen.
EBICS in einer Box - die EBICS::Box
EBICS::Box basiert auf einer open source library:
http://github.com/railslove/epics
APP ⥄ BOX ⥃ BANK
5
1
6
2
4
3
MAIN SYSTEM
CUSTOMER’S BANK
BANK
1
2
3
Data transmission (SEPA XML generation)
Transfer to bank via EBICS
Order processing by bank
Retrieval of transaction information
Match bank transactions to orders
Notify main system
4
5
6
FEATURES
SEPA CREDIT TRANSFERS
SEPA DIRECT DEBITS
MATCH MAKING
CONFIGURABLE WEBHOOKS
EBICS::Box to kann aus der (Web-)Applikation SEPA
Lastschriften initiieren und den Status dieser
Lastschriften überwachen und entsprechend diese
via Push-Notifications in die App zurückmelden.
SEPA LASTSCHRIFTEN
MAIN SYSTEM/ APP
BANK
2
SEPA CREDIT
1
SEPA CREDIT
3
STATEMENTS
4
NOTIFICATION
HTTP EBICS
Wie mit Lastschriften kann die EBICS::Box SEPA
Überweisungen auslösen und den kompletten
Lifecycle dieser überwachen (Ausgeführt, nicht
ausgeführt, Chargeback)
SEPA ÜBERWEISUNGEN
MAIN SYSTEM/ APP
BANK
2
SEPA DIRECT DEBIT
1
SEPA DIRECT DEBIT
3
STATEMENTS
4
PUSH NOTIFICATIONS
HTTP EBICS
WHEN
FULFILLED
FAILED
CHARGEBACK
EBICS::Box kann nicht nur Statements
(Kontoauszüge) abrufen aber diese mit jeder
Transaktion abgleichen und so, dass die
Webapplikation damit weiterarbeiten kann.
MATCH MAKING
MATCH MAKING
MAIN SYSTEM/ APP
BANK
STATEMENTSNOTIFICATION
MATCH
MAKING
EBICS::Box ruft kontinuierlich die Kontoauszüge ab
und benachrichtigt dadrüber die Webapplikation,
dass sie vorhanden sind.
CONFIGURABLE WEBHOOKS
PRAXIS
https://flic.kr/p/eeAukz
https://flic.kr/p/eeAukz
https://flic.kr/p/eeAukz
USE CASES
MARKETPLACE PAYOUTS
SUBSCRIPTION SERVICES
INCOMING PAYMENTS TRACKING
BUILD WHATEVER YOU WANT
Easy and cheap payouts with EBICS::Box and SEPA
Credit Transfers.
MARKETPLACE PAYOUTS
MARKETPLACE PAYOUTS
BANK
SEPA CREDITSPAYOUT INFORMATION
MARKET
PLACE
PAYOUT
PAYOUT
MERCHANT
MERCHANT
STATEMENTSNOTIFICATION
SUBSCRIPTION SERVICES
Collect subscription fees with EBICS::Box and SEPA
Direct Debits.
SUBSCRIPTION SERVICE
BANK
USER
USER
SUBSCRIPTION
SERVICE
USER
SUBSCRIPTION
INFORMATION
1
DIRECT DEBIT
2
€$
£
4
NOTIFICATION
3
3
3
SEPA DIRECT DEBIT
SEPA DIRECT DEBIT
SEPA DIRECT DEBIT
STATEMENTS
http://makerist.de
http://easycarpay.de
BUILD WHATEVER YOU WANT
EBICS::Box is helpful in so many contexts of use. As
long as your application talks HTTP, you're covered.
BUILD WHATEVER YOU WANT
€$ £1 2 3 4 5 6 7 8 9
http://charge.io
railslove
Charge.io
Charge.io
EBICS::BOX SaaS
BANK
E-Mail OUT
Incoming
Payments
E-Mail IN
Outgoing
Payments
Upload of
Outgoing
Payments
Business-Workflow-Automation
Charge.io
Mobiler VEU Client
Payme
https://www.railslove.com/payme
GESCHÄFTSMODELL(E)
On-Premises - available now!
Bank-SaaS - work in progress
SaaS - future
http://ebicsbox.com
https://ebics-box-test.apps.railslabs.com/
https://ebics-box-test.apps.railslabs.com/docs
https://github.com/railslove/epics
https://www.railslove.com/stories/ebics-client-for-ruby
http://www.ebics.de
WEITERFÜHRENDE LINKS
DESIGNED FOR SECURITY
Die EBICS::Box ist eine on-premises Lösung. Sie wird
in der Infrastruktur des Kunden installiert und wir
haben keinen Zugang zu den Daten des Kunden und
seinen Endkunden.
Durch das Public-Key-Verschlüsselungsverfahren
von EBICS selbst ist es sicher genug um Ein- und
Ausgehende Transaktionen durchzuführen.
IN EIGENER SACHE
https://flic.kr/p/9yEAn
Tickets >>> http://deletelimits.de
Partner >>> http://deletelimits.de
http://deletelimits.de
Anmelden >>> http://fintechweekly.com
Partner >>> fintechweekly.com/fintech-partnerships/
CALL JAN KUS
jan@railslove.com
Phone: +49 179 1 35 35 39
Railslove GmbH
An der Bottmühle 5
50678 Köln
Twitter: @koos
Linkedin, Xing…
ausser SnapChat und so
kram… bin zu alt

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EBICS::Box