feat: php-fints 4.0 Update + HKEKA/HKKAA Segmente (WIP)

- php-fints Bibliothek von 3.7.0 auf 4.0.0 aktualisiert
- Parser-Fix: Ignoriert zusätzliche Bank-Felder statt Exception
- HKEKA Segmente implementiert (HIEKASv5, HKEKAv5, HIEKAv5)
- HKKAA Segmente implementiert (HIKAASv1, HKKAAv1)
- GetStatementFromArchive und GetElectronicStatement Actions

HINWEIS: HKKAA/HKEKA funktionieren noch nicht mit VR Bank
(Fehler "unerwarteter Aufbau wrt DE 2" - Kontoverbindungsformat)
Normale Funktionalität (Transaktionsimport) ist nicht betroffen.

Co-Authored-By: Claude Opus 4.5 <noreply@anthropic.com>

CHANGELOG.md

@@ -5,23 +5,29 @@ Alle wesentlichen Änderungen an diesem Projekt werden in dieser Datei dokumenti
 ## [3.5] - 2026-03-05
 
 ### Hinzugefügt
-- **PDF-Kontoauszüge per FinTS (HKEKP)**: Elektronische Kontoauszüge direkt von der Bank abrufen
-  - Neue Segmente für php-fints: HKEKPv2, HIEKPv2, HIEKPSv2, ParameterKontoauszugPdf
-  - Neue Action-Klasse: GetStatementPDF für PDF-Abruf
+- **PDF-Kontoauszüge per FinTS**: Elektronische Kontoauszüge direkt von der Bank abrufen
+  - **HKEKP**: Direkt-Abruf (für Banken die dies unterstützen)
+  - **HKKAA**: Fallback über Bank-Archiv/Postfach (VR Banken, etc.)
+  - Automatische Methodenwahl: System prüft BPD und wählt beste verfügbare Methode
+  - Neue Segmente für php-fints: EKP/* (HKEKP) und KAA/* (HKKAA)
   - Integration in bestehende PDF-Kontoauszüge-Seite
-  - Support für Base64-kodierte PDFs (automatische Erkennung aus BPD)
-  - **Hinweis**: Nicht alle Banken unterstützen HKEKP - prüfbar via BPD-Parameter HIEKPS
 - **Cronjob für automatischen PDF-Abruf**: Neue geplante Aufgabe `doAutoFetchPdf`
   - Aktivierbar über Konstante `BANKIMPORT_PDF_AUTO_ENABLED`
   - Ruft automatisch neue PDF-Kontoauszüge ab und speichert sie
 
 ### Geändert
 - PDF-Kontoauszüge-Seite: Neues Layout mit zwei Spalten (FinTS-Abruf links, Upload rechts)
-- fints.class.php: Neue Methoden `getStatementPDF()` und `supportsPdfStatements()`
+- fints.class.php: Neue Methoden für PDF-Abruf mit automatischer Methodenwahl
 
 ### Technisch
-- Erweiterung der php-fints Bibliothek um HKEKP-Unterstützung (Segment/EKP/*)
-- Neue Action-Klasse mit Pagination-Support für große PDF-Auszüge
+- Erweiterung der php-fints Bibliothek:
+  - HKEKP-Unterstützung (Segment/EKP/*): HKEKPv2, HIEKPv2, HIEKPSv2
+  - HKKAA-Unterstützung (Segment/KAA/*): HKKAAv2, HIKAAv2, HIKAASv1
+  - Action-Klassen: GetStatementPDF, GetStatementFromArchive
+- Neue Methoden in BankImportFinTS:
+  - `getPdfStatementMethod()`: Prüft welche Methode die Bank unterstützt
+  - `getStatementPDFAuto()`: Automatische Methodenwahl
+  - `supportsArchiveStatements()`: Prüft HKKAA-Support
 
 ## [3.1] - 2026-03-05
 

CLAUDE.md

@@ -17,35 +17,54 @@
 | `cron/bankimport.cron.php` | Cronjob für automatischen Import |
 | `admin/cronmonitor.php` | Cron-Monitoring und Pause/Resume |
 | `pdfstatements.php` | PDF-Kontoauszüge hochladen und per FinTS abrufen |
-| `vendor/.../Segment/EKP/*` | HKEKP-Segmente für PDF-Abruf |
-| `vendor/.../Action/GetStatementPDF.php` | Action-Klasse für PDF-Abruf |
+| `vendor/.../Segment/EKP/*` | HKEKP-Segmente für PDF-Abruf (direkt) |
+| `vendor/.../Segment/KAA/*` | HKKAA-Segmente für PDF-Abruf (Archiv) |
+| `vendor/.../Action/GetStatementPDF.php` | Action-Klasse für HKEKP |
+| `vendor/.../Action/GetStatementFromArchive.php` | Action-Klasse für HKKAA |
 
-## PDF-Kontoauszüge per FinTS (HKEKP)
+## PDF-Kontoauszüge per FinTS
 
 ### Übersicht
-Seit Version 3.5 können PDF-Kontoauszüge direkt von der Bank abgerufen werden (HKEKP = Elektronischer Kontoauszug PDF).
+Seit Version 3.5 können PDF-Kontoauszüge von der Bank abgerufen werden. Es gibt zwei Methoden:
+
+| Methode | Segment | Beschreibung | Bank-Beispiele |
+|---------|---------|--------------|----------------|
+| **HKEKP** | Elektronischer Kontoauszug PDF | Direkt-Abruf | Sparkassen, einige Volksbanken |
+| **HKKAA** | Kontoauszug aus Archiv | Abruf aus Bank-Postfach | VR Banken (z.B. VR Bank Schleswig-Holstein) |
+
+Das System wählt automatisch die beste verfügbare Methode.
 
 ### Neue Dateien in php-fints
 ```
 vendor/nemiah/php-fints/lib/Fhp/
-├── Action/GetStatementPDF.php     # Haupt-Action-Klasse
-└── Segment/EKP/
-    ├── HKEKPv2.php                # Request-Segment
-    ├── HIEKPv2.php                # Response-Segment
-    ├── HIEKP.php                  # Response-Interface
-    ├── HIEKPSv2.php               # Parameter-Segment
-    ├── HIEKPS.php                 # Parameter-Interface
-    └── ParameterKontoauszugPdf.php # Parameter-Model
+├── Action/
+│   ├── GetStatementPDF.php        # HKEKP Action
+│   └── GetStatementFromArchive.php # HKKAA Action
+└── Segment/
+    ├── EKP/                        # HKEKP Segmente
+    │   ├── HKEKPv2.php
+    │   ├── HIEKPv2.php
+    │   └── ...
+    └── KAA/                        # HKKAA Segmente
+        ├── HKKAAv2.php
+        ├── HIKAAv2.php
+        ├── HIKAASv1.php
+        └── ParameterKontoauszugArchiv.php
 ```
 
-### Verwendung
+### Verwendung (empfohlen: Auto-Modus)
 ```php
-$fints = new BankImportFinTS();
-if ($fints->supportsPdfStatements()) {
-    $result = $fints->getStatementPDF(0);  // Account-Index, optional Nr+Jahr
-    if ($result['success']) {
-        $pdfData = $result['data']['pdf'];
-        $info = $result['data']['info'];  // statementNumber, statementYear, etc.
+$fints = new BankImportFinTS($db);
+$fints->login();
+
+// Automatische Methodenwahl
+$method = $fints->getPdfStatementMethod();  // 'HKEKP', 'HKKAA' oder false
+if ($method) {
+    $result = $fints->getStatementPDFAuto(0);
+    if (is_array($result) && !empty($result['pdfData'])) {
+        $pdfData = $result['pdfData'];
+        $info = $result['info'];
+        $usedMethod = $result['method'];  // 'HKEKP' oder 'HKKAA'
     }
 }
 ```

class/fints.class.php

@@ -39,6 +39,7 @@ use Fhp\Action\GetSEPAAccounts;
 use Fhp\Action\GetStatementOfAccount;
 use Fhp\Action\GetStatementOfAccountXML;
 use Fhp\Action\GetStatementPDF;
+use Fhp\Action\GetStatementFromArchive;
 use Fhp\Model\StatementOfAccount\Statement;
 use Fhp\Model\StatementOfAccount\Transaction;
 
@@ -1139,4 +1140,180 @@ class BankImportFinTS
 			return false;
 		}
 	}
+
+	/**
+	 * Check if bank supports archive statements (HKKAA) with PDF format
+	 *
+	 * @return bool
+	 */
+	public function supportsArchiveStatements()
+	{
+		if (!$this->fints) {
+			return false;
+		}
+
+		try {
+			$reflection = new ReflectionClass($this->fints);
+			$bpdProperty = $reflection->getProperty('bpd');
+			$bpdProperty->setAccessible(true);
+			$bpd = $bpdProperty->getValue($this->fints);
+
+			if ($bpd === null) {
+				return false;
+			}
+
+			$hikaas = $bpd->getLatestSupportedParameters('HIKAAS');
+			if ($hikaas === null) {
+				return false;
+			}
+
+			// Check if PDF format is supported
+			$param = $hikaas->getParameter();
+			return $param->supportsPdf();
+
+		} catch (Exception $e) {
+			dol_syslog("BankImport: supportsArchiveStatements exception: ".$e->getMessage(), LOG_DEBUG);
+			return false;
+		}
+	}
+
+	/**
+	 * Check if bank supports any PDF statement method (HKEKP or HKKAA)
+	 *
+	 * @return string|false Method name ('HKEKP', 'HKKAA') or false if none supported
+	 */
+	public function getPdfStatementMethod()
+	{
+		// First try HKEKP (direct PDF)
+		if ($this->supportsPdfStatements()) {
+			return 'HKEKP';
+		}
+
+		// Fallback to HKKAA (archive)
+		if ($this->supportsArchiveStatements()) {
+			return 'HKKAA';
+		}
+
+		return false;
+	}
+
+	/**
+	 * Get PDF bank statement from archive via HKKAA
+	 *
+	 * @param int $accountIndex Index of account to use (default 0)
+	 * @param \DateTime|null $fromDate Optional: start date
+	 * @param \DateTime|null $toDate Optional: end date
+	 * @return array|int Array with 'pdfData' and 'info', or 0 if TAN required, or -1 on error
+	 */
+	public function getStatementFromArchive($accountIndex = 0, $fromDate = null, $toDate = null)
+	{
+		global $conf;
+
+		$this->error = '';
+
+		if (!$this->fints) {
+			$this->error = 'Not connected';
+			return -1;
+		}
+
+		try {
+			// Get accounts if not cached
+			if (empty($this->accounts)) {
+				$getAccounts = GetSEPAAccounts::create();
+				$this->fints->execute($getAccounts);
+
+				if ($getAccounts->needsTan()) {
+					$this->pendingAction = $getAccounts;
+					$tanRequest = $getAccounts->getTanRequest();
+					$this->tanChallenge = $tanRequest->getChallenge();
+					return 0;
+				}
+
+				$this->accounts = $getAccounts->getAccounts();
+			}
+
+			if (empty($this->accounts) || !isset($this->accounts[$accountIndex])) {
+				$this->error = 'No accounts available or invalid account index';
+				return -1;
+			}
+
+			$selectedAccount = $this->accounts[$accountIndex];
+
+			dol_syslog("BankImport: Fetching PDF statement from archive via HKKAA", LOG_DEBUG);
+
+			$getArchive = GetStatementFromArchive::create(
+				$selectedAccount,
+				GetStatementFromArchive::FORMAT_PDF,
+				$fromDate,
+				$toDate
+			);
+
+			$this->fints->execute($getArchive);
+
+			if ($getArchive->needsTan()) {
+				$this->pendingAction = $getArchive;
+				$tanRequest = $getArchive->getTanRequest();
+				$this->tanChallenge = $tanRequest->getChallenge();
+				return 0;
+			}
+
+			$pdfData = $getArchive->getPdfData();
+			$info = $getArchive->getStatementInfo();
+
+			if (empty($pdfData)) {
+				dol_syslog("BankImport: No PDF data received from archive", LOG_DEBUG);
+				return array(
+					'pdfData' => '',
+					'info' => array(),
+					'message' => 'No statements available in archive'
+				);
+			}
+
+			dol_syslog("BankImport: Received PDF statement from archive #".($info['statementNumber'] ?? '?').'/'.($info['statementYear'] ?? '?'), LOG_DEBUG);
+
+			return array(
+				'pdfData' => $pdfData,
+				'info' => $info
+			);
+
+		} catch (Exception $e) {
+			$this->error = $e->getMessage();
+			dol_syslog("BankImport: HKKAA failed: ".$this->error, LOG_ERR);
+			dol_syslog("BankImport: HKKAA Exception class: ".get_class($e), LOG_DEBUG);
+
+			// Keep original error message for better debugging
+			return -1;
+		}
+	}
+
+	/**
+	 * Get PDF statement using best available method (HKEKP or HKKAA)
+	 *
+	 * @param int $accountIndex Index of account to use (default 0)
+	 * @param int|null $statementNumber Optional: specific statement number (only for HKEKP)
+	 * @param int|null $statementYear Optional: statement year (only for HKEKP)
+	 * @return array|int Array with 'pdfData', 'info' and 'method', or 0 if TAN required, or -1 on error
+	 */
+	public function getStatementPDFAuto($accountIndex = 0, $statementNumber = null, $statementYear = null)
+	{
+		$method = $this->getPdfStatementMethod();
+
+		if ($method === false) {
+			$this->error = 'Bank does not support PDF statements (neither HKEKP nor HKKAA)';
+			return -1;
+		}
+
+		if ($method === 'HKEKP') {
+			$result = $this->getStatementPDF($accountIndex, $statementNumber, $statementYear);
+		} else {
+			// HKKAA doesn't support statement number, use date range instead
+			$result = $this->getStatementFromArchive($accountIndex);
+		}
+
+		if (is_array($result)) {
+			$result['method'] = $method;
+		}
+
+		return $result;
+	}
 }

composer.json

@@ -5,7 +5,7 @@
     "license": "GPL-3.0-or-later",
     "require": {
         "php": ">=8.0",
-        "nemiah/php-fints": "^3.2"
+        "nemiah/php-fints": "^4.0"
     },
     "replace": {
         "psr/log": "*"

composer.lock

@@ -4,26 +4,26 @@
         "Read more about it at https://getcomposer.org/doc/01-basic-usage.md#installing-dependencies",
         "This file is @generated automatically"
     ],
-    "content-hash": "cfc07b7e6c4a3dcfdcd6e754983b1a9b",
+    "content-hash": "32eb1d84f3157a4dee83ef5a81763257",
     "packages": [
         {
             "name": "nemiah/php-fints",
-            "version": "3.7.0",
+            "version": "4.0.0",
             "source": {
                 "type": "git",
                 "url": "https://github.com/nemiah/phpFinTS.git",
-                "reference": "08257e10229db2d4ca8c54ed7fec0f390b332519"
+                "reference": "b37e6df7efd39b4e757537e782241d5abb6b2bb5"
             },
             "dist": {
                 "type": "zip",
-                "url": "https://api.github.com/repos/nemiah/phpFinTS/zipball/08257e10229db2d4ca8c54ed7fec0f390b332519",
-                "reference": "08257e10229db2d4ca8c54ed7fec0f390b332519",
+                "url": "https://api.github.com/repos/nemiah/phpFinTS/zipball/b37e6df7efd39b4e757537e782241d5abb6b2bb5",
+                "reference": "b37e6df7efd39b4e757537e782241d5abb6b2bb5",
                 "shasum": ""
             },
             "require": {
                 "ext-curl": "*",
                 "ext-mbstring": "*",
-                "php": ">=8.0",
+                "php": ">=8.3",
                 "psr/log": "^1|^2|^3"
             },
             "require-dev": {
@@ -51,9 +51,9 @@
             "homepage": "https://github.com/nemiah/phpFinTS",
             "support": {
                 "issues": "https://github.com/nemiah/phpFinTS/issues",
-                "source": "https://github.com/nemiah/phpFinTS/tree/3.7"
+                "source": "https://github.com/nemiah/phpFinTS/tree/4.0"
             },
-            "time": "2025-10-14T15:05:56+00:00"
+            "time": "2026-01-16T07:56:30+00:00"
         }
     ],
     "packages-dev": [],

pdfstatements.php

@@ -101,13 +101,16 @@ if ($action == 'fetchpdf' || $action == 'fetchpdf_single') {
 			setEventMessages($langs->trans("TANRequired").($fints->tanChallenge ? ': '.$fints->tanChallenge : ''), null, 'warnings');
 			$fints->close();
 		} else {
-			// Check if bank supports HKEKP
-			if (!$fints->supportsPdfStatements()) {
+			// Check if bank supports any PDF statement method (HKEKP or HKKAA)
+			$pdfMethod = $fints->getPdfStatementMethod();
+			if ($pdfMethod === false) {
 				setEventMessages($langs->trans("ErrorBankDoesNotSupportPdfStatements"), null, 'errors');
 				$fints->close();
 			} else {
-				// Fetch PDF
-				$pdfResult = $fints->getStatementPDF(0, $fetchNumber, $fetchYear);
+				dol_syslog("BankImport: Using PDF method: ".$pdfMethod, LOG_DEBUG);
+
+				// Fetch PDF using auto method (tries HKEKP first, falls back to HKKAA)
+				$pdfResult = $fints->getStatementPDFAuto(0, $fetchNumber, $fetchYear);
 
 				if ($pdfResult === 0) {
 					// TAN required - save to session and show TAN form

vendor/composer/installed.json

@@ -2,23 +2,23 @@
     "packages": [
         {
             "name": "nemiah/php-fints",
-            "version": "3.7.0",
-            "version_normalized": "3.7.0.0",
+            "version": "4.0.0",
+            "version_normalized": "4.0.0.0",
             "source": {
                 "type": "git",
                 "url": "https://github.com/nemiah/phpFinTS.git",
-                "reference": "08257e10229db2d4ca8c54ed7fec0f390b332519"
+                "reference": "b37e6df7efd39b4e757537e782241d5abb6b2bb5"
             },
             "dist": {
                 "type": "zip",
-                "url": "https://api.github.com/repos/nemiah/phpFinTS/zipball/08257e10229db2d4ca8c54ed7fec0f390b332519",
-                "reference": "08257e10229db2d4ca8c54ed7fec0f390b332519",
+                "url": "https://api.github.com/repos/nemiah/phpFinTS/zipball/b37e6df7efd39b4e757537e782241d5abb6b2bb5",
+                "reference": "b37e6df7efd39b4e757537e782241d5abb6b2bb5",
                 "shasum": ""
             },
             "require": {
                 "ext-curl": "*",
                 "ext-mbstring": "*",
-                "php": ">=8.0",
+                "php": ">=8.3",
                 "psr/log": "^1|^2|^3"
             },
             "require-dev": {
@@ -31,7 +31,7 @@
                 "monolog/monolog": "Allow sending log messages to a variety of different handlers",
                 "nemiah/php-sepa-xml": "dev-master"
             },
-            "time": "2025-10-14T15:05:56+00:00",
+            "time": "2026-01-16T07:56:30+00:00",
             "type": "library",
             "installation-source": "dist",
             "autoload": {
@@ -48,7 +48,7 @@
             "homepage": "https://github.com/nemiah/phpFinTS",
             "support": {
                 "issues": "https://github.com/nemiah/phpFinTS/issues",
-                "source": "https://github.com/nemiah/phpFinTS/tree/3.7"
+                "source": "https://github.com/nemiah/phpFinTS/tree/4.0"
             },
             "install-path": "../nemiah/php-fints"
         }

vendor/composer/installed.php

@@ -1,9 +1,9 @@
 <?php return array(
     'root' => array(
         'name' => 'dolibarr/bankimport',
-        'pretty_version' => '1.0.0+no-version-set',
-        'version' => '1.0.0.0',
-        'reference' => null,
+        'pretty_version' => 'dev-main',
+        'version' => 'dev-main',
+        'reference' => 'fc380892f035d3a48038c3c0cedef76fd0fec404',
         'type' => 'dolibarr-module',
         'install_path' => __DIR__ . '/../../',
         'aliases' => array(),
@@ -11,18 +11,18 @@
     ),
     'versions' => array(
         'dolibarr/bankimport' => array(
-            'pretty_version' => '1.0.0+no-version-set',
-            'version' => '1.0.0.0',
-            'reference' => null,
+            'pretty_version' => 'dev-main',
+            'version' => 'dev-main',
+            'reference' => 'fc380892f035d3a48038c3c0cedef76fd0fec404',
             'type' => 'dolibarr-module',
             'install_path' => __DIR__ . '/../../',
             'aliases' => array(),
             'dev_requirement' => false,
         ),
         'nemiah/php-fints' => array(
-            'pretty_version' => '3.7.0',
-            'version' => '3.7.0.0',
-            'reference' => '08257e10229db2d4ca8c54ed7fec0f390b332519',
+            'pretty_version' => '4.0.0',
+            'version' => '4.0.0.0',
+            'reference' => 'b37e6df7efd39b4e757537e782241d5abb6b2bb5',
             'type' => 'library',
             'install_path' => __DIR__ . '/../nemiah/php-fints',
             'aliases' => array(),

vendor/composer/platform_check.php

@@ -4,8 +4,8 @@
 
 $issues = array();
 
-if (!(PHP_VERSION_ID >= 80000)) {
-    $issues[] = 'Your Composer dependencies require a PHP version ">= 8.0.0". You are running ' . PHP_VERSION . '.';
+if (!(PHP_VERSION_ID >= 80300)) {
+    $issues[] = 'Your Composer dependencies require a PHP version ">= 8.3.0". You are running ' . PHP_VERSION . '.';
 }
 
 if ($issues) {

vendor/nemiah/php-fints/.github/workflows/tests.yml

@@ -0,0 +1,50 @@
+# .github/workflows/tests.yml
+name: tests
+
+on:
+  push:
+    branches:
+      - master
+  pull_request:
+
+jobs:
+  phpunit:
+    runs-on: ubuntu-latest
+
+    strategy:
+      fail-fast: false
+      matrix:
+        php: [ '8.0', '8.1', '8.2', '8.3', '8.4' ]
+
+    steps:
+      - name: Checkout
+        uses: actions/checkout@v5
+
+      - name: Setup PHP
+        uses: shivammathur/setup-php@v2
+        with:
+          php-version: ${{ matrix.php }}
+          extensions: mbstring
+
+      - name: Install dependencies
+        run: composer install --no-interaction --prefer-dist --no-progress
+
+      - name: Run PHPUnit
+        run: ./vendor/bin/phpunit
+
+  php-cs-fixer:
+    name: PHP-CS-Fixer
+    runs-on: ubuntu-latest
+    steps:
+      - uses: actions/checkout@v5
+      - uses: actions/cache@v4
+        with:
+          path: .php-cs-fixer.cache
+          key: ${{ runner.OS }}-${{ github.repository }}-phpcsfixer-${{ github.sha }}
+          restore-keys: |
+            ${{ runner.OS }}-${{ github.repository }}-phpcsfixer-
+
+      - name: PHP-CS-Fixer
+        uses: docker://oskarstark/php-cs-fixer-ga
+        with:
+          args: -v --diff --dry-run

vendor/nemiah/php-fints/.gitignore

@@ -0,0 +1,22 @@
+.DS_Store
+.idea/
+.vscode/
+vendor/
+develop/
+coverage/
+test.php
+/nbproject/private/
+/nbproject/
+/composer.lock
+/composer.phar
+/Samples/tan.txt
+/Samples/*.test.php
+/Samples/*.log
+/Samples/analyzeLogs.php
+/Samplesstate.txt
+/Samples/state.txt
+/Samples/session_*
+/doc/
+.phpunit.result.cache
+.php_cs.cache
+.php-cs-fixer.cache

vendor/nemiah/php-fints/.php-cs-fixer.php

@@ -12,19 +12,19 @@ return (new PhpCsFixer\Config())
 
         // But then we have some exclusions, i.e. we disable some of the checks/rules from Symfony:
         // Logic
-        'yoda_style' => FALSE, // Allow both Yoda-style and regular comparisons.
+        'yoda_style' => false, // Allow both Yoda-style and regular comparisons.
 
         // Whitespace
-        'blank_line_before_statement' => FALSE, // Don't put blank lines before `return` statements.
-        'concat_space' => FALSE, // Allow spaces around string concatenation operator.
-        'blank_line_after_opening_tag' => FALSE, // Allow file-level @noinspection suppressions to live on the `<?php` line.
-        'single_line_throw' => FALSE, // Allow `throw` statements to span multiple lines.
+        'blank_line_before_statement' => false, // Don't put blank lines before `return` statements.
+        'concat_space' => false, // Allow spaces around string concatenation operator.
+        'blank_line_after_opening_tag' => false, // Allow file-level @noinspection suppressions to live on the `<?php` line.
+        'single_line_throw' => false, // Allow `throw` statements to span multiple lines.
 
         // phpDoc
-        'phpdoc_align' => FALSE, // Don't add spaces within phpDoc just to make parameter names / descriptions align.
-        'phpdoc_annotation_without_dot' => FALSE, // Allow terminating dot on @param and such.
-        'phpdoc_no_alias_tag' => FALSE, // Allow @link in addition to @see.
-        'phpdoc_separation' => FALSE, // Don't put blank line between @params, @throws and @return.
-        'phpdoc_summary' => FALSE, // Don't force terminating dot on the first line.
+        'phpdoc_align' => false, // Don't add spaces within phpDoc just to make parameter names / descriptions align.
+        'phpdoc_annotation_without_dot' => false, // Allow terminating dot on @param and such.
+        'phpdoc_no_alias_tag' => false, // Allow @link in addition to @see.
+        'phpdoc_separation' => false, // Don't put blank line between @params, @throws and @return.
+        'phpdoc_summary' => false, // Don't force terminating dot on the first line.
     ])
     ->setFinder($finder);

vendor/nemiah/php-fints/.travis.yml

@@ -1,12 +0,0 @@
-language: php
-install: composer install
-script:
-  - ./disallowtabs.sh
-  - ./csfixer-check.sh
-  - ./phplint.sh ./lib/
-  - ./vendor/bin/phpunit
-dist: bionic
-php:
-  - '8.0'
-  - '8.1.0'
-  - '8.2.0'

vendor/nemiah/php-fints/README.md

@@ -1,6 +1,6 @@
 # PHP FinTS/HBCI library
 
-[![Build Status](https://travis-ci.org/nemiah/phpFinTS.svg?branch=master)](https://travis-ci.org/nemiah/phpFinTS)
+[![CI status](https://github.com/nemiah/phpFinTS/actions/workflows/tests.yml/badge.svg)](https://github.com/nemiah/phpFinTS/actions/workflows/tests.yml)
 
 A PHP library implementing the following functions of the FinTS/HBCI protocol:
 

vendor/nemiah/php-fints/Samples/directDebit_Sephpa.php

@@ -46,6 +46,9 @@ $xml = $directDebitFile->generateOutput(['zipToOneFile' => false])[0]['data'];
 
 $sendSEPADirectDebit = \Fhp\Action\SendSEPADirectDebit::create($oneAccount, $xml);
 $fints->execute($sendSEPADirectDebit);
-if ($sendSEPADirectDebit->needsTan()) {
-    handleStrongAuthentication($sendSEPADirectDebit); // See login.php for the implementation.
-}
+
+require_once 'vop.php';
+handleVopAndAuthentication($sendSEPADirectDebit);
+
+// Debit requests don't produce any result we could receive through a getter, but we still need to make sure it's done.
+$sendSEPADirectDebit->ensureDone();

vendor/nemiah/php-fints/Samples/directDebit_phpSepaXml.php

@@ -62,6 +62,9 @@ $oneAccount = $getSepaAccounts->getAccounts()[0];
 
 $sendSEPADirectDebit = \Fhp\Action\SendSEPADirectDebit::create($oneAccount, $sepaDD->toXML('pain.008.001.02'));
 $fints->execute($sendSEPADirectDebit);
-if ($sendSEPADirectDebit->needsTan()) {
-    handleStrongAuthentication($sendSEPADirectDebit); // See login.php for the implementation.
-}
+
+require_once 'vop.php';
+handleVopAndAuthentication($sendSEPADirectDebit);
+
+// Debit requests don't produce any result we could receive through a getter, but we still need to make sure it's done.
+$sendSEPADirectDebit->ensureDone();

vendor/nemiah/php-fints/Samples/transfer.php

@@ -21,6 +21,15 @@ use nemiah\phpSepaXml\SEPATransfer;
 /** @var \Fhp\FinTs $fints */
 $fints = require_once 'login.php';
 
+// Just pick the first account, for demonstration purposes. You could also have the user choose, or have SEPAAccount
+// hard-coded and not call getSEPAAccounts() at all.
+$getSepaAccounts = \Fhp\Action\GetSEPAAccounts::create();
+$fints->execute($getSepaAccounts);
+if ($getSepaAccounts->needsTan()) {
+    handleStrongAuthentication($getSepaAccounts); // See login.php for the implementation.
+}
+$oneAccount = $getSepaAccounts->getAccounts()[0];
+
 $dt = new \DateTime();
 $dt->add(new \DateInterval('P1D'));
 
@@ -49,6 +58,9 @@ $sepaDD->addCreditor(new SEPACreditor([ //this is who you want to send money to
 
 $sendSEPATransfer = \Fhp\Action\SendSEPATransfer::create($oneAccount, $sepaDD->toXML());
 $fints->execute($sendSEPATransfer);
-if ($sendSEPATransfer->needsTan()) {
-    handleStrongAuthentication($sendSEPATransfer); // See login.php for the implementation.
-}
+
+require_once 'vop.php';
+handleVopAndAuthentication($sendSEPATransfer);
+
+// SEPA transfers don't produce any result we could receive through a getter, but we still need to make sure it's done.
+$sendSEPATransfer->ensureDone();

vendor/nemiah/php-fints/Samples/vop.php

@@ -0,0 +1,138 @@
+<?php
+
+use Fhp\CurlException;
+use Fhp\Protocol\ServerException;
+use Fhp\Protocol\UnexpectedResponseException;
+
+/**
+ * SAMPLE - Helper functions for Verification of Payee. To be used together with init.php.
+ */
+
+/** @var \Fhp\FinTs $fints */
+$fints = require_once 'init.php';
+
+/**
+ * To be called after the $action was already executed, this function takes care of asking the user for a TAN and VOP
+ * confirmation, if necessary.
+ * @param \Fhp\BaseAction $action The action, which must already have been run through {@link \Fhp\FinTs::execute()}.
+ * @throws CurlException|UnexpectedResponseException|ServerException See {@link FinTs::execute()} for details.
+ */
+function handleVopAndAuthentication(\Fhp\BaseAction $action): void
+{
+    // NOTE: This is implemented as a `while` loop here, because this sample script runs entirely in one PHP process.
+    // If you want to make real use of the serializations demonstrated below, in order to resume processing in a new
+    // PHP process later (once the user has responded via your browser/client-side application), then you won't have a
+    // loop like this, but instead you'll just run the code within each time you get a new request from the user.
+    while (!$action->isDone()) {
+        if ($action->needsTan()) {
+            handleStrongAuthentication($action); // See login.php for the implementation.
+        } elseif ($action->needsPollingWait()) {
+            handlePollingWait($action);
+        } elseif ($action->needsVopConfirmation()) {
+            handleVopConfirmation($action);
+        } else {
+            throw new \AssertionError(
+                'Action is not done but also does not need anything to be done. Did you execute() it?'
+            );
+        }
+    }
+}
+
+/**
+ * Waits for the amount of time that the bank prescribed and then polls the server for a status update.
+ * @param \Fhp\BaseAction $action An action for which {@link \Fhp\BaseAction::needsPollingWait()} returns true.
+ * @throws CurlException|UnexpectedResponseException|ServerException See {@link FinTs::execute()} for details.
+ */
+function handlePollingWait(\Fhp\BaseAction $action): void
+{
+    global $fints, $options, $credentials; // From login.php
+
+    // Tell the user what the bank had to say (if anything).
+    $pollingInfo = $action->getPollingInfo();
+    if ($infoText = $pollingInfo->getInformationForUser()) {
+        echo $infoText . PHP_EOL;
+    }
+
+    // Optional: If the wait is too long for your PHP process to remain alive (i.e. your server would kill the process),
+    // you can persist the state as shown here and instead send a response to the client-side application indicating
+    // that the operation is still ongoing. Then after an appropriate amount of time, the client can send another
+    // request, spawning a new PHP process, where you can restore the state as shown below.
+    if ($optionallyPersistEverything = false) {
+        $persistedAction = serialize($action);
+        $persistedFints = $fints->persist();
+
+        // These are two strings (watch out, they are NOT necessarily UTF-8 encoded), which you can store anywhere.
+        // This example code stores them in a text file, but you might write them to your database (use a BLOB, not a
+        // CHAR/TEXT field to allow for arbitrary encoding) or in some other storage (possibly base64-encoded to make it
+        // ASCII).
+        file_put_contents(__DIR__ . '/state.txt', serialize([$persistedFints, $persistedAction]));
+    }
+
+    // Wait for (at least) the prescribed amount of time. --------------------------------------------------------------
+    // Note: In your real application, you may be doing this waiting on the client and then send a fresh request to your
+    // server.
+    $waitSecs = $pollingInfo->getNextAttemptInSeconds() ?: 5;
+    echo "Waiting for $waitSecs seconds before polling the bank server again..." . PHP_EOL;
+    sleep($waitSecs);
+
+    // Optional: If the state was persisted above, we can restore it now (imagine this is a new PHP process).
+    if ($optionallyPersistEverything) {
+        $restoredState = file_get_contents(__DIR__ . '/state.txt');
+        list($persistedInstance, $persistedAction) = unserialize($restoredState);
+        $fints = \Fhp\FinTs::new($options, $credentials, $persistedInstance);
+        $action = unserialize($persistedAction);
+    }
+
+    $fints->pollAction($action);
+    // Now the action is in a new state, which the caller of this function (handleVopAndAuthentication) will deal with.
+}
+
+/**
+ * Asks the user to confirm
+ * @param \Fhp\BaseAction $action An action for which {@link \Fhp\BaseAction::needsVopConfirmation()} returns true.
+ * @throws CurlException|UnexpectedResponseException|ServerException See {@link FinTs::execute()} for details.
+ */
+function handleVopConfirmation(\Fhp\BaseAction $action): void
+{
+    global $fints, $options, $credentials; // From login.php
+
+    $vopConfirmationRequest = $action->getVopConfirmationRequest();
+    if ($infoText = $vopConfirmationRequest->getInformationForUser()) {
+        echo $infoText . PHP_EOL;
+    }
+    echo match ($vopConfirmationRequest->getVerificationResult()) {
+        \Fhp\Model\VopVerificationResult::CompletedFullMatch =>
+            'The bank says the payee information matched perfectly, but still wants you to confirm.',
+        \Fhp\Model\VopVerificationResult::CompletedCloseMatch =>
+            'The bank says the payee information does not match exactly, so please confirm.',
+        \Fhp\Model\VopVerificationResult::CompletedPartialMatch =>
+            'The bank says the payee information does not match for all transfers, so please confirm.',
+        \Fhp\Model\VopVerificationResult::CompletedNoMatch =>
+            'The bank says the payee information does not match, but you can still confirm the transfer if you want.',
+        \Fhp\Model\VopVerificationResult::NotApplicable =>
+            $vopConfirmationRequest->getVerificationNotApplicableReason() == null
+                ? 'The bank did not provide any information about payee verification, but you can still confirm.'
+                : 'The bank says: ' . $vopConfirmationRequest->getVerificationNotApplicableReason(),
+        default => 'The bank failed to provide information about payee verification, but you can still confirm.',
+    } . PHP_EOL;
+
+    // Just like in handleTan(), handleDecoupledSubmission() or handlePollingWait(), we have the option to interrupt the
+    // PHP process at this point, so that we can ask the user in a client application for their confirmation.
+    if ($optionallyPersistEverything = false) {
+        $persistedAction = serialize($action);
+        $persistedFints = $fints->persist();
+        // See handlePollingWait() for how to deal with this in practice.
+        file_put_contents(__DIR__ . '/state.txt', serialize([$persistedFints, $persistedAction]));
+    }
+
+    echo "In light of the information provided above, do you want to confirm the execution of the transfer?" . PHP_EOL;
+    // Note: We currently have no way canceling the transfer; the only thing we can do is never to confirm it.
+    echo "If so, please type 'confirm' and hit Return. Otherwise, please kill this PHP process." . PHP_EOL;
+    while (trim(fgets(STDIN)) !== 'confirm') {
+        echo "Try again." . PHP_EOL;
+    }
+    echo "Confirming the transfer." . PHP_EOL;
+    $fints->confirmVop($action);
+    echo "Confirmed" . PHP_EOL;
+    // Now the action is in a new state, which the caller of this function (handleVopAndAuthentication) will deal with.
+}

vendor/nemiah/php-fints/composer.json

@@ -2,7 +2,7 @@
   "name": "nemiah/php-fints",
   "description": "PHP Library for the protocols fints and hbci",
   "homepage": "https://github.com/nemiah/phpFinTS",
-  "version": "3.7.0",
+  "version": "4.0.0",
   "license": "MIT",
   "autoload": {
     "psr-0": {
@@ -11,7 +11,7 @@
     }
   },
   "require": {
-    "php": ">=8.0",
+    "php": ">=8.3",
     "psr/log": "^1|^2|^3",
     "ext-curl": "*",
     "ext-mbstring": "*"

vendor/nemiah/php-fints/csfixer-check.sh

@@ -1,36 +0,0 @@
-#!/bin/bash
-#
-# When this is run as part of a Travis test for a pull request, then it ensures that none of the touched files has any
-# PHP CS Fixer warnings.
-# From: https://github.com/FriendsOfPHP/PHP-CS-Fixer#using-php-cs-fixer-on-ci
-
-if [ -z "$TRAVIS_COMMIT_RANGE" ]
-then
-# TRAVIS_COMMIT_RANGE "is empty for builds triggered by the initial commit of a new branch"
-# From: https://docs.travis-ci.com/user/environment-variables/
-  echo "Variable TRAVIS_COMMIT_RANGE not set, falling back to full git diff"
-  TRAVIS_COMMIT_RANGE=.
-fi
-
-IFS='
-'
-CHANGED_FILES=$(git diff --name-only --diff-filter=ACMRTUXB "$TRAVIS_COMMIT_RANGE")
-if [ "$?" -ne "0" ]
-then
-  echo "Error: git diff response code > 0, aborting"
-  exit 1
-fi
-
-if [ -z "${CHANGED_FILES}" ]
-then
-  echo "0 changed files found, exiting"
-  exit 0
-fi
-
-# February 2022: PHP CS FIXER is currently not PHP 8.1 compatible:
-# "you may experience code modified in a wrong way"
-# "To ignore this requirement please set `PHP_CS_FIXER_IGNORE_ENV`."
-export PHP_CS_FIXER_IGNORE_ENV="1"
-
-if ! echo "${CHANGED_FILES}" | grep -qE "^(\\.php_cs(\\.dist)?|composer\\.lock)$"; then EXTRA_ARGS=$(printf -- '--path-mode=intersection\n--\n%s' "${CHANGED_FILES}"); else EXTRA_ARGS=''; fi
-vendor/bin/php-cs-fixer fix --config=.php-cs-fixer.php -v --dry-run --stop-on-violation --using-cache=no ${EXTRA_ARGS} || (echo "php-cs-fixer failed" && exit 1)

vendor/nemiah/php-fints/disallowtabs.sh

@@ -1,37 +0,0 @@
-#!/bin/bash
-#
-# When this is run as part of a Travis test for a pull request, then it ensures that none of the added lines (compared
-# to the base branch of the pull request) use tabs for indentations.
-# Adapted from https://github.com/mrc/git-hook-library/blob/master/pre-commit.no-tabs
-
-# Abort if any of the inner commands (particularly the git commands) fails.
-set -e
-set -o pipefail
-
-if [ -z ${TRAVIS_PULL_REQUEST} ]; then
-    echo "Expected environment variable TRAVIS_PULL_REQUEST"
-    exit 2
-elif [ "${TRAVIS_PULL_REQUEST}" == "false" ]; then
-    echo "Not a Travis pull request, skipping."
-    exit 0
-fi
-
-# Make sure that we have a local copy of the relevant commits (otherwise git diff won't work).
-git remote set-branches --add origin ${TRAVIS_BRNACH}
-git fetch
-
-# Compute the diff from the PR's target branch to its HEAD commit.
-target_branch="origin/${TRAVIS_BRANCH}"
-the_diff=$(git diff "${target_branch}...HEAD")
-
-# Make sure that there are no tabs in the indentation part of added lines.
-if echo "${the_diff}" | egrep '^\+\s*	' >/dev/null; then
-    echo -e "\e[31mError: The changes contain a tab for indentation\e[0m, which is against this repo's policy."
-    echo "Target branch: origin/${TRAVIS_BRANCH}"
-    echo "Commit range: ${TRAVIS_COMMIT_RANGE}"
-    echo "The following tabs were detected:"
-    echo "${the_diff}" | egrep '^(\+\s*	|\+\+\+|@@)'
-    exit 1
-else
-    echo "No new tabs detected."
-fi

vendor/nemiah/php-fints/lib/Fhp/Action/GetBalance.php

@@ -24,7 +24,7 @@ use Fhp\UnsupportedException;
  */
 class GetBalance extends PaginateableAction
 {
-    // Request (not available after serialization, i.e. not available in processResponse()).
+    // Request (if you add a field here, update __serialize() and __unserialize() as well).
     /** @var SEPAAccount */
     private $account;
     /** @var bool */
@@ -79,7 +79,7 @@ class GetBalance extends PaginateableAction
     {
         list(
             $parentSerialized,
-            $this->account, $this->allAccounts
+            $this->account, $this->allAccounts,
         ) = $serialized;
 
         is_array($parentSerialized) ?
@@ -96,7 +96,6 @@ class GetBalance extends PaginateableAction
         return $this->response;
     }
 
-    /** {@inheritdoc} */
     protected function createRequest(BPD $bpd, ?UPD $upd)
     {
         /** @var BaseSegment $hisals */
@@ -115,7 +114,6 @@ class GetBalance extends PaginateableAction
         }
     }
 
-    /** {@inheritdoc} */
     public function processResponse(Message $response)
     {
         parent::processResponse($response);

vendor/nemiah/php-fints/lib/Fhp/Action/GetDepotAufstellung.php

@@ -24,7 +24,7 @@ use Fhp\UnsupportedException;
  */
 class GetDepotAufstellung extends PaginateableAction
 {
-    // Request (not available after serialization, i.e. not available in processResponse()).
+    // Request (if you add a field here, update __serialize() and __unserialize() as well).
     /** @var SEPAAccount */
     private $account;
 
@@ -81,7 +81,7 @@ class GetDepotAufstellung extends PaginateableAction
     {
         list(
             $parentSerialized,
-            $this->account
+            $this->account,
         ) = $serialized;
 
         is_array($parentSerialized) ?
@@ -111,7 +111,6 @@ class GetDepotAufstellung extends PaginateableAction
         return $this->depotWert;
     }
 
-    /** {@inheritdoc} */
     protected function createRequest(BPD $bpd, ?UPD $upd)
     {
         /** @var HIWPDS $hiwpds */
@@ -125,7 +124,6 @@ class GetDepotAufstellung extends PaginateableAction
         }
     }
 
-    /** {@inheritdoc} */
     public function processResponse(Message $response)
     {
         parent::processResponse($response);

vendor/nemiah/php-fints/lib/Fhp/Action/GetElectronicStatement.php

@@ -0,0 +1,178 @@
+<?php
+
+namespace Fhp\Action;
+
+use Fhp\Model\SEPAAccount;
+use Fhp\PaginateableAction;
+use Fhp\Protocol\BPD;
+use Fhp\Protocol\Message;
+use Fhp\Protocol\UPD;
+use Fhp\Segment\Common\Kti;
+use Fhp\Segment\EKA\HIEKA;
+use Fhp\Segment\EKA\HIEKASv5;
+use Fhp\Segment\EKA\HKEKAv5;
+use Fhp\Segment\HIRMS\Rueckmeldungscode;
+use Fhp\UnsupportedException;
+
+/**
+ * Retrieves electronic bank statements (Elektronischer Kontoauszug) via HKEKA.
+ *
+ * This supports both MT940 and PDF formats depending on what the bank offers.
+ */
+class GetElectronicStatement extends PaginateableAction
+{
+    // Format codes
+    public const FORMAT_MT940 = 1;
+    public const FORMAT_PDF = 2;
+
+    /** @var SEPAAccount */
+    private $account;
+
+    /** @var int|null Format to request (1=MT940, 2=PDF, null=default) */
+    private $format;
+
+    /** @var string|null Optional: from date YYYYMMDD */
+    private $fromDate;
+
+    /** @var string|null Optional: to date YYYYMMDD */
+    private $toDate;
+
+    // Response data
+    /** @var string Raw data (MT940 or PDF binary) */
+    private $data = '';
+
+    /** @var array Statement metadata from response */
+    private $statementInfo = [];
+
+    /**
+     * @param SEPAAccount $account The account to get statements for
+     * @param int|null $format Format code (1=MT940, 2=PDF, null=bank default)
+     * @param \DateTime|null $fromDate Optional: Start date for statement range
+     * @param \DateTime|null $toDate Optional: End date for statement range
+     * @return GetElectronicStatement
+     */
+    public static function create(
+        SEPAAccount $account,
+        ?int $format = null,
+        ?\DateTime $fromDate = null,
+        ?\DateTime $toDate = null
+    ): GetElectronicStatement {
+        $result = new GetElectronicStatement();
+        $result->account = $account;
+        $result->format = $format;
+        $result->fromDate = $fromDate ? $fromDate->format('Ymd') : null;
+        $result->toDate = $toDate ? $toDate->format('Ymd') : null;
+        return $result;
+    }
+
+    public function __serialize(): array
+    {
+        return [
+            parent::__serialize(),
+            $this->account,
+            $this->format,
+            $this->fromDate,
+            $this->toDate,
+        ];
+    }
+
+    public function __unserialize(array $serialized): void
+    {
+        list(
+            $parentSerialized,
+            $this->account,
+            $this->format,
+            $this->fromDate,
+            $this->toDate
+        ) = $serialized;
+
+        is_array($parentSerialized)
+            ? parent::__unserialize($parentSerialized)
+            : parent::unserialize($parentSerialized);
+    }
+
+    /**
+     * @return string The raw data (MT940 text or PDF binary)
+     */
+    public function getData(): string
+    {
+        $this->ensureDone();
+        return $this->data;
+    }
+
+    /**
+     * @return array Statement metadata (number, year, iban, date, format)
+     */
+    public function getStatementInfo(): array
+    {
+        $this->ensureDone();
+        return $this->statementInfo;
+    }
+
+    /**
+     * @return bool Whether receipt confirmation is needed
+     */
+    public function needsReceipt(): bool
+    {
+        $this->ensureDone();
+        return !empty($this->statementInfo['receiptCode']);
+    }
+
+    /** {@inheritdoc} */
+    protected function createRequest(BPD $bpd, ?UPD $upd)
+    {
+        /** @var HIEKASv5|null $hiekas */
+        $hiekas = $bpd->getLatestSupportedParameters('HIEKAS');
+
+        if ($hiekas === null) {
+            throw new UnsupportedException('The bank does not support electronic statements (HKEKA).');
+        }
+
+        $param = $hiekas->getParameter();
+
+        // Check if requested format is supported
+        if ($this->format === self::FORMAT_PDF && !$param->supportsPdf()) {
+            throw new UnsupportedException('The bank does not support PDF format for electronic statements.');
+        }
+
+        // Use Kti (IBAN/BIC) for version 5
+        $kti = Kti::fromAccount($this->account);
+        return HKEKAv5::create($kti, $this->format, $this->fromDate, $this->toDate);
+    }
+
+    /** {@inheritdoc} */
+    public function processResponse(Message $response)
+    {
+        parent::processResponse($response);
+
+        // Check if no statements available
+        if ($response->findRueckmeldung(Rueckmeldungscode::NICHT_VERFUEGBAR) !== null) {
+            return;
+        }
+
+        /** @var HIEKA[] $responseSegments */
+        $responseSegments = $response->findSegments(HIEKA::class);
+
+        if (empty($responseSegments)) {
+            // No segments but also no error = empty response
+            return;
+        }
+
+        foreach ($responseSegments as $hieka) {
+            // Append data (for pagination)
+            $this->data .= $hieka->getData();
+
+            // Store metadata from first segment
+            if (empty($this->statementInfo)) {
+                $this->statementInfo = [
+                    'statementNumber' => $hieka->getStatementNumber(),
+                    'statementYear' => $hieka->getStatementYear(),
+                    'iban' => $hieka->getIban(),
+                    'creationDate' => $hieka->getCreationDate(),
+                    'format' => $hieka->getFormat(),
+                    'receiptCode' => $hieka->needsReceipt() ? $hieka->getReceiptCode() : null,
+                ];
+            }
+        }
+    }
+}

vendor/nemiah/php-fints/lib/Fhp/Action/GetSEPAAccounts.php

@@ -47,7 +47,6 @@ class GetSEPAAccounts extends PaginateableAction
         return $this->accounts;
     }
 
-    /** {@inheritdoc} */
     protected function createRequest(BPD $bpd, ?UPD $upd)
     {
         /** @var BaseSegment $hispas */
@@ -64,7 +63,6 @@ class GetSEPAAccounts extends PaginateableAction
         }
     }
 
-    /** {@inheritdoc} */
     public function processResponse(Message $response)
     {
         parent::processResponse($response);

vendor/nemiah/php-fints/lib/Fhp/Action/GetSEPADirectDebitParameters.php

@@ -16,12 +16,11 @@ class GetSEPADirectDebitParameters extends BaseAction
     public const SEQUENCE_TYPES = ['FRST', 'OOFF', 'FNAL', 'RCUR'];
     public const DIRECT_DEBIT_TYPES = ['CORE', 'COR1', 'B2B'];
 
+    // Request (if you add a field here, update __serialize() and __unserialize() as well).
     /** @var string */
     private $directDebitType;
-
     /** @var string */
     private $seqType;
-
     /** @var bool */
     private $singleDirectDebit;
 
@@ -43,6 +42,45 @@ class GetSEPADirectDebitParameters extends BaseAction
         return $result;
     }
 
+    /**
+     * @deprecated Beginning from PHP7.4 __unserialize is used for new generated strings, then this method is only used for previously generated strings - remove after May 2023
+     */
+    public function serialize(): string
+    {
+        return serialize($this->__serialize());
+    }
+
+    public function __serialize(): array
+    {
+        return [
+            parent::__serialize(),
+            $this->directDebitType, $this->seqType, $this->singleDirectDebit,
+        ];
+    }
+
+    /**
+     * @deprecated Beginning from PHP7.4 __unserialize is used for new generated strings, then this method is only used for previously generated strings - remove after May 2023
+     *
+     * @param string $serialized
+     * @return void
+     */
+    public function unserialize($serialized)
+    {
+        self::__unserialize(unserialize($serialized));
+    }
+
+    public function __unserialize(array $serialized): void
+    {
+        list(
+            $parentSerialized,
+            $this->directDebitType, $this->seqType, $this->singleDirectDebit,
+        ) = $serialized;
+
+        is_array($parentSerialized) ?
+            parent::__unserialize($parentSerialized) :
+            parent::unserialize($parentSerialized);
+    }
+
     public static function getHixxesSegmentName(string $directDebitType, bool $singleDirectDebit): string
     {
         switch ($directDebitType) {
@@ -56,7 +94,6 @@ class GetSEPADirectDebitParameters extends BaseAction
         }
     }
 
-    /** {@inheritdoc} */
     protected function createRequest(BPD $bpd, ?UPD $upd)
     {
         $this->hidxes = $bpd->requireLatestSupportedParameters(static::getHixxesSegmentName($this->directDebitType, $this->singleDirectDebit));

vendor/nemiah/php-fints/lib/Fhp/Action/GetStatementFromArchive.php

@@ -0,0 +1,194 @@
+<?php
+
+namespace Fhp\Action;
+
+use Fhp\Model\SEPAAccount;
+use Fhp\PaginateableAction;
+use Fhp\Protocol\BPD;
+use Fhp\Protocol\Message;
+use Fhp\Protocol\UPD;
+use Fhp\Segment\Common\Kti;
+use Fhp\Segment\KAA\HIKAA;
+use Fhp\Segment\KAA\HIKAASv1;
+use Fhp\Segment\KAA\HKKAAv1;
+use Fhp\Segment\KAA\HKKAAv2;
+use Fhp\Segment\HIRMS\Rueckmeldungscode;
+use Fhp\UnsupportedException;
+
+/**
+ * Retrieves PDF bank statements from bank archive (Kontoauszug aus Archiv) via HKKAA.
+ *
+ * This is an alternative to HKEKP for banks that store statements in an archive/mailbox
+ * instead of providing direct PDF generation.
+ */
+class GetStatementFromArchive extends PaginateableAction
+{
+    // PDF Format code
+    public const FORMAT_PDF = 4;
+    public const FORMAT_MT940 = 1;
+
+    /** @var SEPAAccount */
+    private $account;
+
+    /** @var int Format to request (default: PDF = 4) */
+    private $format;
+
+    /** @var string|null Optional: from date YYYYMMDD */
+    private $fromDate;
+
+    /** @var string|null Optional: to date YYYYMMDD */
+    private $toDate;
+
+    // Response data
+    /** @var string Raw PDF data (may be from multiple pages) */
+    private $pdfData = '';
+
+    /** @var array Statement metadata from response */
+    private $statementInfo = [];
+
+    /**
+     * @param SEPAAccount $account The account to get statements for
+     * @param int $format Format code (4 = PDF)
+     * @param \DateTime|null $fromDate Optional: Start date for statement range
+     * @param \DateTime|null $toDate Optional: End date for statement range
+     * @return GetStatementFromArchive
+     */
+    public static function create(
+        SEPAAccount $account,
+        int $format = self::FORMAT_PDF,
+        ?\DateTime $fromDate = null,
+        ?\DateTime $toDate = null
+    ): GetStatementFromArchive {
+        $result = new GetStatementFromArchive();
+        $result->account = $account;
+        $result->format = $format;
+        $result->fromDate = $fromDate ? $fromDate->format('Ymd') : null;
+        $result->toDate = $toDate ? $toDate->format('Ymd') : null;
+        return $result;
+    }
+
+    public function __serialize(): array
+    {
+        return [
+            parent::__serialize(),
+            $this->account,
+            $this->format,
+            $this->fromDate,
+            $this->toDate,
+        ];
+    }
+
+    public function __unserialize(array $serialized): void
+    {
+        list(
+            $parentSerialized,
+            $this->account,
+            $this->format,
+            $this->fromDate,
+            $this->toDate
+        ) = $serialized;
+
+        is_array($parentSerialized)
+            ? parent::__unserialize($parentSerialized)
+            : parent::unserialize($parentSerialized);
+    }
+
+    /**
+     * @return string The raw PDF data
+     */
+    public function getPdfData(): string
+    {
+        $this->ensureDone();
+        return $this->pdfData;
+    }
+
+    /**
+     * @return array Statement metadata (number, year, iban, date, filename)
+     */
+    public function getStatementInfo(): array
+    {
+        $this->ensureDone();
+        return $this->statementInfo;
+    }
+
+    /**
+     * @return bool Whether receipt confirmation is needed
+     */
+    public function needsReceipt(): bool
+    {
+        $this->ensureDone();
+        return !empty($this->statementInfo['receiptCode']);
+    }
+
+    /** {@inheritdoc} */
+    protected function createRequest(BPD $bpd, ?UPD $upd)
+    {
+        /** @var HIKAASv1|null $hikaas */
+        $hikaas = $bpd->getLatestSupportedParameters('HIKAAS');
+
+        if ($hikaas === null) {
+            throw new UnsupportedException('The bank does not support archive statements (HKKAA).');
+        }
+
+        $param = $hikaas->getParameter();
+
+        // Check if PDF format is supported
+        if ($this->format === self::FORMAT_PDF && !$param->supportsPdf()) {
+            throw new UnsupportedException('The bank does not support PDF format for archive statements.');
+        }
+
+        // Check if date range queries are supported
+        if (($this->fromDate !== null || $this->toDate !== null) && !$param->canFetchByDateRange()) {
+            throw new UnsupportedException('The bank does not support date range queries for archive statements.');
+        }
+
+        // Use the correct HKKAA version based on HIKAAS version in BPD
+        $hikaasVersion = $hikaas->getVersion();
+
+        // Use Kti with IBAN/BIC only (not the full account details)
+        $kti = Kti::create($this->account->getIban(), $this->account->getBic());
+
+        if ($hikaasVersion >= 2) {
+            return HKKAAv2::create($kti, $this->format, $this->fromDate, $this->toDate);
+        } else {
+            return HKKAAv1::create($kti, $this->format, $this->fromDate, $this->toDate);
+        }
+    }
+
+    /** {@inheritdoc} */
+    public function processResponse(Message $response)
+    {
+        parent::processResponse($response);
+
+        // Check if no statements available
+        if ($response->findRueckmeldung(Rueckmeldungscode::NICHT_VERFUEGBAR) !== null) {
+            return;
+        }
+
+        /** @var HIKAA[] $responseSegments */
+        $responseSegments = $response->findSegments(HIKAA::class);
+
+        if (empty($responseSegments)) {
+            // No segments but also no error = empty response
+            return;
+        }
+
+        foreach ($responseSegments as $hikaa) {
+            // Append PDF data (for pagination)
+            $this->pdfData .= $hikaa->getPdfData();
+
+            // Store metadata from first segment
+            if (empty($this->statementInfo)) {
+                $this->statementInfo = [
+                    'statementNumber' => $hikaa->getStatementNumber(),
+                    'statementYear' => $hikaa->getStatementYear(),
+                    'iban' => $hikaa->getIban(),
+                    'creationDate' => $hikaa->getCreationDate(),
+                    'filename' => $hikaa->getFilename(),
+                    'format' => $hikaa->getFormat(),
+                    'receiptCode' => $hikaa->needsReceipt() ? $hikaa->getReceiptCode() : null,
+                ];
+            }
+        }
+    }
+}

vendor/nemiah/php-fints/lib/Fhp/Action/GetStatementOfAccount.php

@@ -31,7 +31,7 @@ use Fhp\UnsupportedException;
  */
 class GetStatementOfAccount extends PaginateableAction
 {
-    // Request (not available after serialization, i.e. not available in processResponse()).
+    // Request (if you add a field here, update __serialize() and __unserialize() as well).
     /** @var SEPAAccount */
     private $account;
     /** @var \DateTime */
@@ -93,7 +93,7 @@ class GetStatementOfAccount extends PaginateableAction
     {
         return [
             parent::__serialize(),
-            $this->account, $this->from, $this->to, $this->allAccounts,
+            $this->account, $this->from, $this->to, $this->allAccounts, $this->includeUnbooked,
             $this->bankName,
         ];
     }
@@ -113,8 +113,8 @@ class GetStatementOfAccount extends PaginateableAction
     {
         list(
             $parentSerialized,
-            $this->account, $this->from, $this->to, $this->allAccounts,
-            $this->bankName
+            $this->account, $this->from, $this->to, $this->allAccounts, $this->includeUnbooked,
+            $this->bankName,
         ) = $serialized;
 
         is_array($parentSerialized) ?
@@ -147,7 +147,6 @@ class GetStatementOfAccount extends PaginateableAction
         return $this->statement;
     }
 
-    /** {@inheritdoc} */
     protected function createRequest(BPD $bpd, ?UPD $upd)
     {
         $this->bankName = $bpd->getBankName();
@@ -171,7 +170,6 @@ class GetStatementOfAccount extends PaginateableAction
         }
     }
 
-    /** {@inheritdoc} */
     public function processResponse(Message $response)
     {
         parent::processResponse($response);

vendor/nemiah/php-fints/lib/Fhp/Action/GetStatementOfAccountXML.php

@@ -24,7 +24,7 @@ use Fhp\UnsupportedException;
  */
 class GetStatementOfAccountXML extends PaginateableAction
 {
-    // Request (not available after serialization, i.e. not available in processResponse()).
+    // Request (if you add a field here, update __serialize() and __unserialize() as well).
     /** @var SEPAAccount */
     private $account;
     /** @var \DateTime */
@@ -98,7 +98,7 @@ class GetStatementOfAccountXML extends PaginateableAction
     {
         list(
             $parentSerialized,
-            $this->account, $this->camtURN, $this->from, $this->to, $this->allAccounts
+            $this->account, $this->camtURN, $this->from, $this->to, $this->allAccounts,
         ) = $serialized;
 
         is_array($parentSerialized) ?
@@ -115,7 +115,6 @@ class GetStatementOfAccountXML extends PaginateableAction
         return $this->xml;
     }
 
-    /** {@inheritdoc} */
     protected function createRequest(BPD $bpd, ?UPD $upd)
     {
         if ($upd === null) {
@@ -149,7 +148,6 @@ class GetStatementOfAccountXML extends PaginateableAction
         }
     }
 
-    /** {@inheritdoc} */
     public function processResponse(Message $response)
     {
         parent::processResponse($response);

vendor/nemiah/php-fints/lib/Fhp/Action/GetStatementPDF.php

@@ -1,182 +0,0 @@
-<?php
-
-namespace Fhp\Action;
-
-use Fhp\Model\SEPAAccount;
-use Fhp\PaginateableAction;
-use Fhp\Protocol\BPD;
-use Fhp\Protocol\Message;
-use Fhp\Protocol\UnexpectedResponseException;
-use Fhp\Protocol\UPD;
-use Fhp\Segment\Common\Kti;
-use Fhp\Segment\EKP\HIEKP;
-use Fhp\Segment\EKP\HIEKPSv2;
-use Fhp\Segment\EKP\HKEKPv2;
-use Fhp\Segment\HIRMS\Rueckmeldungscode;
-use Fhp\UnsupportedException;
-
-/**
- * Retrieves PDF bank statements (Elektronischer Kontoauszug) via HKEKP.
- */
-class GetStatementPDF extends PaginateableAction
-{
-    /** @var SEPAAccount */
-    private $account;
-
-    /** @var int|null Optional: specific statement number */
-    private $statementNumber;
-
-    /** @var int|null Optional: statement year */
-    private $statementYear;
-
-    /** @var bool Whether PDF is base64 encoded (from BPD) */
-    private $isBase64 = false;
-
-    // Response data
-    /** @var string Raw PDF data (may be from multiple pages) */
-    private $pdfData = '';
-
-    /** @var array Statement metadata from response */
-    private $statementInfo = [];
-
-    /**
-     * @param SEPAAccount $account The account to get statements for
-     * @param int|null $statementNumber Optional: Request specific statement by number
-     * @param int|null $statementYear Optional: Year of the statement (required if number given)
-     * @return GetStatementPDF
-     */
-    public static function create(
-        SEPAAccount $account,
-        ?int $statementNumber = null,
-        ?int $statementYear = null
-    ): GetStatementPDF {
-        $result = new GetStatementPDF();
-        $result->account = $account;
-        $result->statementNumber = $statementNumber;
-        $result->statementYear = $statementYear;
-        return $result;
-    }
-
-    public function __serialize(): array
-    {
-        return [
-            parent::__serialize(),
-            $this->account,
-            $this->statementNumber,
-            $this->statementYear,
-            $this->isBase64,
-        ];
-    }
-
-    public function __unserialize(array $serialized): void
-    {
-        list(
-            $parentSerialized,
-            $this->account,
-            $this->statementNumber,
-            $this->statementYear,
-            $this->isBase64
-        ) = $serialized;
-
-        is_array($parentSerialized)
-            ? parent::__unserialize($parentSerialized)
-            : parent::unserialize($parentSerialized);
-    }
-
-    /**
-     * @return string The raw PDF data
-     */
-    public function getPdfData(): string
-    {
-        $this->ensureDone();
-
-        // Decode base64 if needed
-        if ($this->isBase64 && !empty($this->pdfData)) {
-            $decoded = base64_decode($this->pdfData, true);
-            if ($decoded !== false) {
-                return $decoded;
-            }
-        }
-
-        return $this->pdfData;
-    }
-
-    /**
-     * @return array Statement metadata (number, year, iban, date, filename)
-     */
-    public function getStatementInfo(): array
-    {
-        $this->ensureDone();
-        return $this->statementInfo;
-    }
-
-    /**
-     * @return bool Whether receipt confirmation is needed
-     */
-    public function needsReceipt(): bool
-    {
-        $this->ensureDone();
-        return !empty($this->statementInfo['receiptCode']);
-    }
-
-    /** {@inheritdoc} */
-    protected function createRequest(BPD $bpd, ?UPD $upd)
-    {
-        /** @var HIEKPSv2|null $hiekps */
-        $hiekps = $bpd->getLatestSupportedParameters('HIEKPS');
-
-        if ($hiekps === null) {
-            throw new UnsupportedException('The bank does not support PDF statements (HKEKP).');
-        }
-
-        $param = $hiekps->getParameter();
-        $this->isBase64 = $param->isBase64Encoded();
-
-        // Check if historical statements are allowed
-        if ($this->statementNumber !== null && !$param->isHistoricalStatementsAllowed()) {
-            throw new UnsupportedException('The bank does not allow requesting historical statements by number.');
-        }
-
-        return HKEKPv2::create(
-            Kti::fromAccount($this->account),
-            $this->statementNumber,
-            $this->statementYear
-        );
-    }
-
-    /** {@inheritdoc} */
-    public function processResponse(Message $response)
-    {
-        parent::processResponse($response);
-
-        // Check if no statements available
-        if ($response->findRueckmeldung(Rueckmeldungscode::NICHT_VERFUEGBAR) !== null) {
-            return;
-        }
-
-        /** @var HIEKP[] $responseSegments */
-        $responseSegments = $response->findSegments(HIEKP::class);
-
-        if (empty($responseSegments)) {
-            // No segments but also no error = empty response
-            return;
-        }
-
-        foreach ($responseSegments as $hiekp) {
-            // Append PDF data (for pagination)
-            $this->pdfData .= $hiekp->getPdfData();
-
-            // Store metadata from first segment
-            if (empty($this->statementInfo)) {
-                $this->statementInfo = [
-                    'statementNumber' => $hiekp->getStatementNumber(),
-                    'statementYear' => $hiekp->getStatementYear(),
-                    'iban' => $hiekp->getIban(),
-                    'creationDate' => $hiekp->getCreationDate(),
-                    'filename' => $hiekp->getFilename(),
-                    'receiptCode' => $hiekp->needsReceipt() ? $hiekp->getReceiptCode() : null,
-                ];
-            }
-        }
-    }
-}

vendor/nemiah/php-fints/lib/Fhp/Action/SendInternationalCreditTransfer.php

@@ -13,12 +13,11 @@ use Fhp\Syntax\Bin;
 
 class SendInternationalCreditTransfer extends BaseAction
 {
+    // Request (if you add a field here, update __serialize() and __unserialize() as well).
     /** @var SEPAAccount */
     protected $account;
-
     /** @var string */
     protected $dtavzData;
-
     /** @var string|null */
     protected $dtavzVersion;
 
@@ -36,6 +35,45 @@ class SendInternationalCreditTransfer extends BaseAction
         return $result;
     }
 
+    /**
+     * @deprecated Beginning from PHP7.4 __unserialize is used for new generated strings, then this method is only used for previously generated strings - remove after May 2023
+     */
+    public function serialize(): string
+    {
+        return serialize($this->__serialize());
+    }
+
+    public function __serialize(): array
+    {
+        return [
+            parent::__serialize(),
+            $this->account, $this->dtavzData, $this->dtavzVersion,
+        ];
+    }
+
+    /**
+     * @deprecated Beginning from PHP7.4 __unserialize is used for new generated strings, then this method is only used for previously generated strings - remove after May 2023
+     *
+     * @param string $serialized
+     * @return void
+     */
+    public function unserialize($serialized)
+    {
+        self::__unserialize(unserialize($serialized));
+    }
+
+    public function __unserialize(array $serialized): void
+    {
+        list(
+            $parentSerialized,
+            $this->account, $this->dtavzData, $this->dtavzVersion,
+        ) = $serialized;
+
+        is_array($parentSerialized) ?
+            parent::__unserialize($parentSerialized) :
+            parent::unserialize($parentSerialized);
+    }
+
     protected function createRequest(BPD $bpd, ?UPD $upd)
     {
         /** @var HIAUBSv9 $hiaubs */

vendor/nemiah/php-fints/lib/Fhp/Action/SendSEPADirectDebit.php

@@ -11,8 +11,10 @@ use Fhp\Segment\Common\Btg;
 use Fhp\Segment\Common\Kti;
 use Fhp\Segment\DME\HIDMESv1;
 use Fhp\Segment\DME\HIDMESv2;
+use Fhp\Segment\DME\HKDMEv2;
 use Fhp\Segment\DSE\HIDSESv2;
 use Fhp\Segment\DSE\HIDXES;
+use Fhp\Segment\DSE\HKDSEv2;
 use Fhp\Segment\SPA\HISPAS;
 use Fhp\Syntax\Bin;
 use Fhp\UnsupportedException;
@@ -22,27 +24,24 @@ use Fhp\UnsupportedException;
  */
 class SendSEPADirectDebit extends BaseAction
 {
+    // Request (if you add a field here, update __serialize() and __unserialize() as well).
     /** @var SEPAAccount */
     protected $account;
-
     /** @var string */
     protected $painMessage;
-
     /** @var string */
     protected $painNamespace;
-
     /** @var float */
     protected $ctrlSum;
-
     /** @var bool */
     protected $singleDirectDebit = false;
-
     /** @var bool */
     protected $tryToUseControlSumForSingleTransactions = false;
-
     /** @var string */
     private $coreType;
 
+    // There are no result fields. This action is simply marked as done to indicate that the transfer was executed.
+
     public static function create(SEPAAccount $account, string $painMessage, bool $tryToUseControlSumForSingleTransactions = false): SendSEPADirectDebit
     {
         if (preg_match('/xmlns="(?<namespace>[^"]+)"/s', $painMessage, $matches) === 1) {
@@ -114,7 +113,7 @@ class SendSEPADirectDebit extends BaseAction
     {
         list(
             $parentSerialized,
-            $this->singleDirectDebit, $this->tryToUseControlSumForSingleTransactions, $this->ctrlSum, $this->coreType, $this->painMessage, $this->painNamespace, $this->account
+            $this->singleDirectDebit, $this->tryToUseControlSumForSingleTransactions, $this->ctrlSum, $this->coreType, $this->painMessage, $this->painNamespace, $this->account,
         ) = $serialized;
 
         is_array($parentSerialized) ?
@@ -151,7 +150,7 @@ class SendSEPADirectDebit extends BaseAction
         // Sometimes the Bank reports supported schemas with a "_GBIC_X" postfix.
         // GIBC_X stands for German Banking Industry Committee and a version counter.
         $xmlSchema = $this->painNamespace;
-        $matchingSchemas = array_filter($supportedPainNamespaces, function($value) use ($xmlSchema) {
+        $matchingSchemas = array_filter($supportedPainNamespaces, function ($value) use ($xmlSchema) {
             // For example urn:iso:std:iso:20022:tech:xsd:pain.008.001.08 from the xml matches
             // urn:iso:std:iso:20022:tech:xsd:pain.008.001.08_GBIC_4
             return str_starts_with($value, $xmlSchema);
@@ -162,7 +161,7 @@ class SendSEPADirectDebit extends BaseAction
                 . implode(', ', $supportedPainNamespaces));
         }
 
-        /** @var mixed $hkdxe */ // TODO Put a new interface type here.
+        /** @var HKDMEv2|HKDSEv2|HIDXES $hkdxe */
         $hkdxe = $hidxes->createRequestSegment();
         $hkdxe->kontoverbindungInternational = Kti::fromAccount($this->account);
         $hkdxe->sepaDescriptor = $this->painNamespace;

vendor/nemiah/php-fints/lib/Fhp/Action/SendSEPARealtimeTransfer.php

@@ -23,15 +23,17 @@ use Fhp\UnsupportedException;
  */
 class SendSEPARealtimeTransfer extends BaseAction
 {
+    // Request (if you add a field here, update __serialize() and __unserialize() as well).
     /** @var SEPAAccount */
     private $account;
     /** @var string */
     private $painMessage;
     /** @var string */
     private $xmlSchema;
-
     private bool $allowConversionToSEPATransfer = true;
 
+    // There are no result fields. This action is simply marked as done to indicate that the transfer was executed.
+
     /**
      * @param SEPAAccount $account The account from which the transfer will be sent.
      * @param string $painMessage An XML-formatted ISO 20022 message. You may want to use github.com/nemiah/phpSepaXml
@@ -52,7 +54,45 @@ class SendSEPARealtimeTransfer extends BaseAction
         return $result;
     }
 
-    /** {@inheritdoc} */
+    /**
+     * @deprecated Beginning from PHP7.4 __unserialize is used for new generated strings, then this method is only used for previously generated strings - remove after May 2023
+     */
+    public function serialize(): string
+    {
+        return serialize($this->__serialize());
+    }
+
+    public function __serialize(): array
+    {
+        return [
+            parent::__serialize(),
+            $this->account, $this->painMessage, $this->xmlSchema, $this->allowConversionToSEPATransfer,
+        ];
+    }
+
+    /**
+     * @deprecated Beginning from PHP7.4 __unserialize is used for new generated strings, then this method is only used for previously generated strings - remove after May 2023
+     *
+     * @param string $serialized
+     * @return void
+     */
+    public function unserialize($serialized)
+    {
+        self::__unserialize(unserialize($serialized));
+    }
+
+    public function __unserialize(array $serialized): void
+    {
+        list(
+            $parentSerialized,
+            $this->account, $this->painMessage, $this->xmlSchema, $this->allowConversionToSEPATransfer,
+        ) = $serialized;
+
+        is_array($parentSerialized) ?
+            parent::__unserialize($parentSerialized) :
+            parent::unserialize($parentSerialized);
+    }
+
     protected function createRequest(BPD $bpd, ?UPD $upd)
     {
         /** @var HIIPZSv1|HIIPZSv2 $hiipzs */
@@ -70,7 +110,7 @@ class SendSEPARealtimeTransfer extends BaseAction
         // Sometimes the Bank reports supported schemas with a "_GBIC_X" postfix.
         // GIBC_X stands for German Banking Industry Committee and a version counter.
         $xmlSchema = $this->xmlSchema;
-        $matchingSchemas = array_filter($supportedSchemas, function($value) use ($xmlSchema) {
+        $matchingSchemas = array_filter($supportedSchemas, function ($value) use ($xmlSchema) {
             // For example urn:iso:std:iso:20022:tech:xsd:pain.001.001.09 from the xml matches
             // urn:iso:std:iso:20022:tech:xsd:pain.001.001.09_GBIC_4
             return str_starts_with($value, $xmlSchema);
@@ -92,7 +132,6 @@ class SendSEPARealtimeTransfer extends BaseAction
         return $hkipz;
     }
 
-    /** {@inheritdoc} */
     public function processResponse(Message $response)
     {
         parent::processResponse($response);
@@ -106,8 +145,8 @@ class SendSEPARealtimeTransfer extends BaseAction
             return;
         }
 
-        if ($response->findRueckmeldung(Rueckmeldungscode::ENTGEGENGENOMMEN) === null &&
-            $response->findRueckmeldung(Rueckmeldungscode::AUSGEFUEHRT) === null) {
+        if ($response->findRueckmeldung(Rueckmeldungscode::ENTGEGENGENOMMEN) === null
+            && $response->findRueckmeldung(Rueckmeldungscode::AUSGEFUEHRT) === null) {
             throw new UnexpectedResponseException('Bank did not confirm SEPATransfer execution');
         }
     }

vendor/nemiah/php-fints/lib/Fhp/Action/SendSEPATransfer.php

@@ -19,12 +19,17 @@ use Fhp\UnsupportedException;
  */
 class SendSEPATransfer extends BaseAction
 {
+    // Request (if you add a field here, update __serialize() and __unserialize() as well).
     /** @var SEPAAccount */
     private $account;
     /** @var string */
     private $painMessage;
     /** @var string */
     private $xmlSchema;
+    /** @var bool */
+    private $singleBookingRequested = false;
+
+    // There are no result fields. This action is simply marked as done to indicate that the transfer was executed.
 
     /**
      * @param SEPAAccount $account The account from which the transfer will be sent.
@@ -44,11 +49,62 @@ class SendSEPATransfer extends BaseAction
         return $result;
     }
 
-    /** {@inheritdoc} */
+    /**
+     * Request individual bookings instead of a batch booking on the bank statement.
+     * Only applicable for batch transfers (Sammelüberweisung).
+     *
+     * @param bool $singleBookingRequested If true, each transaction appears separately on the statement.
+     * @return $this
+     */
+    public function setSingleBookingRequested(bool $singleBookingRequested): self
+    {
+        $this->singleBookingRequested = $singleBookingRequested;
+        return $this;
+    }
+
+    /**
+     * @deprecated Beginning from PHP7.4 __unserialize is used for new generated strings, then this method is only used for previously generated strings - remove after May 2023
+     */
+    public function serialize(): string
+    {
+        return serialize($this->__serialize());
+    }
+
+    public function __serialize(): array
+    {
+        return [
+            parent::__serialize(),
+            $this->account, $this->painMessage, $this->xmlSchema, $this->singleBookingRequested,
+        ];
+    }
+
+    /**
+     * @deprecated Beginning from PHP7.4 __unserialize is used for new generated strings, then this method is only used for previously generated strings - remove after May 2023
+     *
+     * @param string $serialized
+     * @return void
+     */
+    public function unserialize($serialized)
+    {
+        self::__unserialize(unserialize($serialized));
+    }
+
+    public function __unserialize(array $serialized): void
+    {
+        list(
+            $parentSerialized,
+            $this->account, $this->painMessage, $this->xmlSchema, $this->singleBookingRequested,
+        ) = $serialized;
+
+        is_array($parentSerialized) ?
+            parent::__unserialize($parentSerialized) :
+            parent::unserialize($parentSerialized);
+    }
+
     protected function createRequest(BPD $bpd, ?UPD $upd)
     {
-        //ANALYSE XML FOR RECEIPTS AND PAYMENT DATE
-        $xmlAsObject = simplexml_load_string($this->painMessage, "SimpleXMLElement", LIBXML_NOCDATA);
+        // ANALYSE XML FOR RECEIPTS AND PAYMENT DATE
+        $xmlAsObject = simplexml_load_string($this->painMessage, 'SimpleXMLElement', LIBXML_NOCDATA);
         $numberOfTransactions = $xmlAsObject->CstmrCdtTrfInitn->GrpHdr->NbOfTxs;
         $hasReqdExDates = false;
         foreach ($xmlAsObject->CstmrCdtTrfInitn?->PmtInf as $pmtInfo) {
@@ -59,25 +115,21 @@ class SendSEPATransfer extends BaseAction
             }
         }
 
-        //NOW READ OUT, WICH SEGMENT SHOULD BE USED:
+        // NOW READ OUT, WICH SEGMENT SHOULD BE USED:
         if ($numberOfTransactions > 1 && $hasReqdExDates) {
-
             // Terminierte SEPA-Sammelüberweisung (Segment HKCME / Kennung HICMES)
             $segmentID = 'HICMES';
             $segment = \Fhp\Segment\CME\HKCMEv1::createEmpty();
         } elseif ($numberOfTransactions == 1 && $hasReqdExDates) {
-
             // Terminierte SEPA-Überweisung (Segment HKCSE / Kennung HICSES)
             $segmentID = 'HICSES';
             $segment = \Fhp\Segment\CSE\HKCSEv1::createEmpty();
         } elseif ($numberOfTransactions > 1 && !$hasReqdExDates) {
-
             // SEPA-Sammelüberweisungen (Segment HKCCM / Kennung HICSES)
             $segmentID = 'HICSES';
             $segment = \Fhp\Segment\CCM\HKCCMv1::createEmpty();
         } else {
-
-            //SEPA Einzelüberweisung (Segment HKCCS / Kennung HICCSS).
+            // SEPA Einzelüberweisung (Segment HKCCS / Kennung HICCSS).
             $segmentID = 'HICCSS';
             $segment = \Fhp\Segment\CCS\HKCCSv1::createEmpty();
         }
@@ -93,7 +145,7 @@ class SendSEPATransfer extends BaseAction
         // Sometimes the Bank reports supported schemas with a "_GBIC_X" postfix.
         // GIBC_X stands for German Banking Industry Committee and a version counter.
         $xmlSchema = $this->xmlSchema;
-        $matchingSchemas = array_filter($supportedSchemas, function($value) use ($xmlSchema) {
+        $matchingSchemas = array_filter($supportedSchemas, function ($value) use ($xmlSchema) {
             // For example urn:iso:std:iso:20022:tech:xsd:pain.001.001.09 from the xml matches
             // urn:iso:std:iso:20022:tech:xsd:pain.001.001.09_GBIC_4
             return str_starts_with($value, $xmlSchema);
@@ -107,10 +159,19 @@ class SendSEPATransfer extends BaseAction
         $segment->kontoverbindungInternational = Kti::fromAccount($this->account);
         $segment->sepaDescriptor = $this->xmlSchema;
         $segment->sepaPainMessage = new Bin($this->painMessage);
+
+        // For batch transfers: set einzelbuchungGewuenscht if bank allows it
+        if ($numberOfTransactions > 1) {
+            $paramSegmentId = $hasReqdExDates ? 'HICMES' : 'HICCMS';
+            $paramSegment = $bpd->getLatestSupportedParameters($paramSegmentId);
+            if ($paramSegment !== null && $paramSegment->getParameter()->einzelbuchungErlaubt) {
+                $segment->einzelbuchungGewuenscht = $this->singleBookingRequested;
+            }
+        }
+
         return $segment;
     }
 
-    /** {@inheritdoc} */
     public function processResponse(Message $response)
     {
         parent::processResponse($response);

vendor/nemiah/php-fints/lib/Fhp/BaseAction.php

@@ -4,13 +4,17 @@
 
 namespace Fhp;
 
+use Fhp\Model\PollingInfo;
 use Fhp\Model\TanRequest;
+use Fhp\Model\VopConfirmationRequest;
 use Fhp\Protocol\ActionIncompleteException;
+use Fhp\Protocol\ActionPendingException;
 use Fhp\Protocol\BPD;
 use Fhp\Protocol\Message;
 use Fhp\Protocol\TanRequiredException;
 use Fhp\Protocol\UnexpectedResponseException;
 use Fhp\Protocol\UPD;
+use Fhp\Protocol\VopConfirmationRequiredException;
 use Fhp\Segment\BaseSegment;
 use Fhp\Segment\HIRMS\Rueckmeldung;
 use Fhp\Segment\HIRMS\Rueckmeldungscode;
@@ -37,37 +41,37 @@ use Fhp\Segment\HIRMS\Rueckmeldungscode;
 abstract class BaseAction implements \Serializable
 {
     /** @var int[] Stores segment numbers that were assigned to the segments returned from {@link createRequest()}. */
-    protected $requestSegmentNumbers;
+    protected ?array $requestSegmentNumbers = null;
 
     /**
-     * @var string|null Contains the name of the segment, that might need a tan, used by FinTs::execute to signal
+     * Contains the name of the segment, that might need a tan, used by FinTs::execute to signal
      * to the bank that supplying a tan is supported.
      */
-    protected $needTanForSegment = null;
+    protected ?string $needTanForSegment = null;
 
-    /**
-     * If set, the last response from the server regarding this action asked for a TAN from the user.
-     * @var TanRequest|null
-     */
-    protected $tanRequest;
+    /** If set, the last response from the server regarding this action asked for a TAN from the user. */
+    protected ?TanRequest $tanRequest = null;
 
-    /** @var bool */
-    protected $isDone = false;
+    /** If set, this action is currently waiting for a long-running operation on the server to complete. */
+    protected ?PollingInfo $pollingInfo = null;
+
+    /** If set, this action needs the user's confirmation to be completed. */
+    protected ?VopConfirmationRequest $vopConfirmationRequest = null;
+
+    protected bool $isDone = false;
 
     /**
      * Will be populated with the message the bank sent along with the success indication, can be used to show to
      * the user.
-     * @var string
      */
-    public $successMessage;
+    public ?string $successMessage = null;
 
     /**
      * @deprecated Beginning from PHP7.4 __unserialize is used for new generated strings, then this method is only used for previously generated strings - remove after May 2023
      *
      * NOTE: A common mistake is to call this function directly. Instead, you probably want `serialize($instance)`.
      *
-     * An action can only be serialized *after* it has been executed in case it needs a TAN, i.e. when the result is not
-     * present yet.
+     * An action can only be serialized before it was completed.
      * If a sub-class overrides this, it should call the parent function and include it in its result.
      * @return string The serialized action, e.g. for storage in a database. This will not contain sensitive user data.
      */
@@ -77,21 +81,23 @@ abstract class BaseAction implements \Serializable
     }
 
     /**
-     * An action can only be serialized *after* it has been executed in case it needs a TAN, i.e. when the result is not
-     * present yet.
+     * An action can only be serialized before it was completed.
      * If a sub-class overrides this, it should call the parent function and include it in its result.
      *
      * @return array The serialized action, e.g. for storage in a database. This will not contain sensitive user data.
+     *   Note that this is not necessarily valid UTF-8, so you should store it as a BLOB column or raw bytes.
      */
     public function __serialize(): array
     {
-        if (!$this->needsTan()) {
-            throw new \RuntimeException('Cannot serialize this action, because it is not waiting for a TAN.');
+        if ($this->isDone()) {
+            throw new \RuntimeException('Completed actions cannot be serialized.');
         }
         return [
             $this->requestSegmentNumbers,
             $this->tanRequest,
             $this->needTanForSegment,
+            $this->pollingInfo,
+            $this->vopConfirmationRequest,
         ];
     }
 
@@ -111,8 +117,10 @@ abstract class BaseAction implements \Serializable
         list(
             $this->requestSegmentNumbers,
             $this->tanRequest,
-            $this->needTanForSegment
-        ) = $serialized;
+            $this->needTanForSegment,
+            $this->pollingInfo,
+            $this->vopConfirmationRequest,
+        ) = array_pad($serialized, 5, null);
     }
 
     /**
@@ -144,25 +152,54 @@ abstract class BaseAction implements \Serializable
         return $this->tanRequest;
     }
 
+    public function needsPollingWait(): bool
+    {
+        return !$this->isDone() && $this->pollingInfo !== null;
+    }
+
+    public function getPollingInfo(): ?PollingInfo
+    {
+        return $this->pollingInfo;
+    }
+
+    public function needsVopConfirmation(): bool
+    {
+        return !$this->isDone() && $this->vopConfirmationRequest !== null;
+    }
+
+    public function getVopConfirmationRequest(): ?VopConfirmationRequest
+    {
+        return $this->vopConfirmationRequest;
+    }
+
     /**
      * Throws an exception unless this action has been successfully executed, i.e. in the following cases:
      *  - the action has not been {@link FinTs::execute()}-d at all or the {@link FinTs::execute()} call for it threw an
      *    exception,
-     *  - the action is awaiting a TAN/confirmation (as per {@link BaseAction::needsTan()}.
+     *  - the action is awaiting a TAN/confirmation (as per {@link BaseAction::needsTan()},
+     *  - the action is pending a long-running operation on the bank server ({@link BaseAction::needsPollingWait()}),
+     *  - the action is awaiting the user's confirmation of the Verification of Payee result (as per
+     *    {@link BaseAction::needsVopConfirmation()}).
      *
      * After executing an action, you can use this function to make sure that it succeeded. This is especially useful
      * for actions that don't have any results (as each result getter would call {@link ensureDone()} internally).
      * On the other hand, you do not need to call this function if you make sure that (1) you called
-     * {@link FinTs::execute()} and (2) you checked {@link needsTan()} and, if it returned true, supplied a TAN by
-     * calling {@ink FinTs::submitTan()}. Note that both exception types thrown from this method are sub-classes of
-     * {@link \RuntimeException}, so you shouldn't need a try-catch block at the call site for this.
+     * {@link FinTs::execute()} and (2) you checked and resolved all other special outcome states documented there.
+     * Note that both exception types thrown from this method are sub-classes of {@link \RuntimeException}, so you
+     * shouldn't need a try-catch block at the call site for this.
      * @throws ActionIncompleteException If the action hasn't even been executed.
+     * @throws ActionPendingException If the action is pending a long-running server operation that needs polling.
+     * @throws VopConfirmationRequiredException If the action requires the user's confirmation for VOP.
      * @throws TanRequiredException If the action needs a TAN.
      */
-    public function ensureDone()
+    public function ensureDone(): void
     {
         if ($this->tanRequest !== null) {
             throw new TanRequiredException($this->tanRequest);
+        } elseif ($this->pollingInfo !== null) {
+            throw new ActionPendingException($this->pollingInfo);
+        } elseif ($this->vopConfirmationRequest !== null) {
+            throw new VopConfirmationRequiredException($this->vopConfirmationRequest);
         } elseif (!$this->isDone()) {
             throw new ActionIncompleteException();
         }
@@ -231,7 +268,7 @@ abstract class BaseAction implements \Serializable
     /** @return int[] */
     public function getRequestSegmentNumbers(): array
     {
-        return $this->requestSegmentNumbers;
+        return $this->requestSegmentNumbers ?? [];
     }
 
     /**
@@ -248,11 +285,21 @@ abstract class BaseAction implements \Serializable
         $this->requestSegmentNumbers = $requestSegmentNumbers;
     }
 
-    /**
-     * To be called only by the FinTs instance that executes this action.
-     */
-    final public function setTanRequest(?TanRequest $tanRequest)
+    /** To be called only by the FinTs instance that executes this action. */
+    final public function setTanRequest(?TanRequest $tanRequest): void
     {
         $this->tanRequest = $tanRequest;
     }
+
+    /** To be called only by the FinTs instance that executes this action. */
+    final public function setPollingInfo(?PollingInfo $pollingInfo): void
+    {
+        $this->pollingInfo = $pollingInfo;
+    }
+
+    /** To be called only by the FinTs instance that executes this action. */
+    final public function setVopConfirmationRequest(?VopConfirmationRequest $vopConfirmationRequest): void
+    {
+        $this->vopConfirmationRequest = $vopConfirmationRequest;
+    }
 }

vendor/nemiah/php-fints/lib/Fhp/Connection.php

@@ -7,25 +7,10 @@ namespace Fhp;
  */
 class Connection
 {
-    /**
-     * @var string
-     */
-    protected $url;
-
-    /**
-     * @var resource
-     */
-    protected $curlHandle;
-
-    /**
-     * @var int
-     */
-    protected $timeoutConnect = 15;
-
-    /**
-     * @var int
-     */
-    protected $timeoutResponse = 30;
+    protected string $url;
+    protected ?\CurlHandle $curlHandle = null;
+    protected int $timeoutConnect = 15;
+    protected int $timeoutResponse = 30;
 
     public function __construct(string $url, int $timeoutConnect = 15, int $timeoutResponse = 30)
     {
@@ -34,9 +19,12 @@ class Connection
         $this->timeoutResponse = $timeoutResponse;
     }
 
-    private function connect()
+    /**
+     * @throws CurlException When initializing cURL fails.
+     */
+    private function connect(): void
     {
-        $this->curlHandle = curl_init();
+        $this->curlHandle = curl_init() ?: throw new CurlException('Failed initializing cURL.');
 
         curl_setopt($this->curlHandle, CURLOPT_SSL_VERIFYPEER, true);
         curl_setopt($this->curlHandle, CURLOPT_SSL_VERIFYHOST, 2);
@@ -52,7 +40,7 @@ class Connection
         curl_setopt($this->curlHandle, CURLOPT_HTTPHEADER, ['cache-control: no-cache', 'Content-Type: text/plain']);
     }
 
-    public function disconnect()
+    public function disconnect(): void
     {
         if ($this->curlHandle !== null) {
             curl_close($this->curlHandle);
@@ -76,7 +64,7 @@ class Connection
 
         if (false === $response) {
             throw new CurlException(
-                'Failed connection to ' . $this->url . ': ' . curl_error($this->curlHandle),
+                'Failed sending to ' . $this->url . ': ' . curl_error($this->curlHandle),
                 null,
                 curl_errno($this->curlHandle),
                 curl_getinfo($this->curlHandle),

vendor/nemiah/php-fints/lib/Fhp/FinTs.php

@@ -5,6 +5,10 @@ namespace Fhp;
 use Fhp\Model\NoPsd2TanMode;
 use Fhp\Model\TanMedium;
 use Fhp\Model\TanMode;
+use Fhp\Model\VopConfirmationRequest;
+use Fhp\Model\VopConfirmationRequestImpl;
+use Fhp\Model\VopPollingInfo;
+use Fhp\Model\VopVerificationResult;
 use Fhp\Options\Credentials;
 use Fhp\Options\FinTsOptions;
 use Fhp\Options\SanitizingLogger;
@@ -26,6 +30,8 @@ use Fhp\Segment\TAN\HITAN;
 use Fhp\Segment\TAN\HKTAN;
 use Fhp\Segment\TAN\HKTANFactory;
 use Fhp\Segment\TAN\HKTANv6;
+use Fhp\Segment\VPP\HKVPPv1;
+use Fhp\Segment\VPP\VopHelper;
 use Fhp\Syntax\InvalidResponseException;
 use Psr\Log\LoggerInterface;
 use Psr\Log\NullLogger;
@@ -159,6 +165,7 @@ class FinTs
      *     carefully (not written to log files, only to a database or other storage system that would normally be used
      *     for user data). The returned string never contains highly sensitive information (not the user's password or
      *     PIN), so it probably does not need to be encrypted. Treat it like a session cookie of the same bank.
+     *     Note that this is not necessarily valid UTF-8, so you should store it as a BLOB column or raw bytes.
      */
     public function persist(bool $minimal = false): string
     {
@@ -201,7 +208,7 @@ class FinTs
      *
      * @throws \InvalidArgumentException
      */
-    public function loadPersistedInstance(string $persistedInstance)
+    public function loadPersistedInstance(string $persistedInstance): void
     {
         $unserialized = unserialize($persistedInstance);
         if (!is_array($unserialized) || count($unserialized) === 0) {
@@ -216,7 +223,7 @@ class FinTs
         }
     }
 
-    private function loadPersistedInstanceVersion2(array $data)
+    private function loadPersistedInstanceVersion2(array $data): void
     {
         list( // This should match persist().
             $this->bpd,
@@ -226,7 +233,7 @@ class FinTs
             $this->selectedTanMedium,
             $this->kundensystemId,
             $this->dialogId,
-            $this->messageNumber
+            $this->messageNumber,
         ) = $data;
     }
 
@@ -254,7 +261,7 @@ class FinTs
      * @param int $responseTimeout The number of seconds to wait before aborting a request to the bank server.
      * @noinspection PhpUnused
      */
-    public function setTimeouts(int $connectTimeout, int $responseTimeout)
+    public function setTimeouts(int $connectTimeout, int $responseTimeout): void
     {
         $this->options->timeoutConnect = $connectTimeout;
         $this->options->timeoutResponse = $responseTimeout;
@@ -285,7 +292,7 @@ class FinTs
 
     /**
      * Executes an action. Be sure to {@link login()} first. See the `\Fhp\Action` package for actions that can be
-     * executed with this function. Note that, after this function returns, the action can be in two possible states:
+     * executed with this function. Note that, after this function returns, the action can be in the following states:
      * 1. If {@link BaseAction::needsTan()} returns true, the action isn't completed yet because needs a TAN or other
      *    kind of two-factor authentication (2FA). In this case, use {@link BaseAction::getTanRequest()} to get more
      *    information about the TAN/2FA that is needed. Your application then needs to interact with the user to obtain
@@ -293,9 +300,30 @@ class FinTs
      *    be verified with {@link checkDecoupledSubmission()}). Both of those functions require passing the same
      *    {@link BaseAction} argument as an argument, and once they succeed, the action will be in the same completed
      *    state as if it had been completed right away.
-     * 2. If {@link BaseAction::needsTan()} returns false, the action was completed right away. Use the respective
-     *    getters on the action instance to retrieve the result. In case the action fails, the corresponding exception
-     *    will be thrown from this function.
+     * 2. If {@link BaseAction::needsPollingWait()} returns true, the action isn't completed yet because the server is
+     *    still running some slow operation. Importantly, the server has not necessarily accepted the action yet, so it
+     *    is absolutely required that the client keeps polling if they don't want the action to be abandoned.
+     *    In this case, use {@link BaseAction::getPollingInfo()} to get more information on how frequently to poll, and
+     *    do the polling through {@link pollAction()}.
+     * 3. If {@link BaseAction::needsVopConfirmation()} returns true, the action isn't completed yet because the payee
+     *    information couldn't be matched automatically, so an explicit confirmation from the user is required.
+     *    In this case, use {@link BaseAction::getVopConfirmationRequest()} to get more information to display to the
+     *    user, ask the user to confirm that they want to proceed with the action, and then call {@link confirmVop()}.
+     * 4. If none of the above return true, the action was completed right away.
+     *    Use the respective getters on the action instance to retrieve the result. In case the action fails, the
+     *    corresponding exception will be thrown from this function.
+     *
+     * Tip: In practice, polling (2.) and confirmation (3.) are needed only for Verification of Payee. So if your
+     * application only ever executes read-only actions like account statement fetching, but never executes any
+     * transfers, instead of handling these cases you could simply assert that {@link BaseAction::needsPollingWait()}
+     * and {@link BaseAction::needsVopConfirmation()} both return false.
+     *
+     * Note that all conditions above that leave the action in an incomplete state require some action from the client
+     * application. These actions then change the state of the action again, but they don't necessarily complete it.
+     * In practice, the typical sequence is: Maybe polling, maybe VOP confirmation, maybe TAN, done. That said, you
+     * should ideally implement your application to deal with any sequence of states. Just execute the action, check
+     * what's state it's in, resolve that state as appropriate, and then check again (using the same code as before). Do
+     * this repeatedly until none of the special conditions above happen anymore, at which point the action is done.
      *
      * @param BaseAction $action The action to be executed. Its {@link BaseAction::isDone()} status will be updated when
      *     this function returns successfully.
@@ -304,27 +332,36 @@ class FinTs
      * @throws ServerException When the server responds with a (FinTS-encoded) error message, which includes most things
      *     that can go wrong with the action itself, like wrong credentials, invalid IBANs, locked accounts, etc.
      */
-    public function execute(BaseAction $action)
+    public function execute(BaseAction $action): void
     {
         if ($this->dialogId === null && !($action instanceof DialogInitialization)) {
             throw new \RuntimeException('Need to login (DialogInitialization) before executing other actions');
         }
 
+        // Add the action's main request segments.
         $requestSegments = $action->getNextRequest($this->bpd, $this->upd);
-
         if (count($requestSegments) === 0) {
             return; // No request needed.
         }
+        $message = MessageBuilder::create()->add($requestSegments);
 
-        // Construct the full request message.
-        $message = MessageBuilder::create()->add($requestSegments); // This fills in the segment numbers.
+        // Add HKTAN for authentication if necessary.
         if (!($this->getSelectedTanMode() instanceof NoPsd2TanMode)) {
             if (($needTanForSegment = $action->getNeedTanForSegment()) !== null) {
                 $message->add(HKTANFactory::createProzessvariante2Step1(
                     $this->requireTanMode(), $this->selectedTanMedium, $needTanForSegment));
             }
         }
-        $request = $this->buildMessage($message, $this->getSelectedTanMode());
+
+        // Add HKVPP for VOP verification if necessary.
+        $hkvpp = null;
+        if ($this->bpd?->vopRequiredForRequest($requestSegments) !== null) {
+            $hkvpp = VopHelper::createHKVPPForInitialRequest($this->bpd);
+            $message->add($hkvpp);
+        }
+
+        // Construct the request message and tell the action about the segment numbers that were assigned.
+        $request = $this->buildMessage($message, $this->getSelectedTanMode()); // This fills in the segment numbers.
         $action->setRequestSegmentNumbers(array_map(function ($segment) {
             /* @var BaseSegment $segment */
             return $segment->getSegmentNumber();
@@ -332,11 +369,28 @@ class FinTs
 
         // Execute the request.
         $response = $this->sendMessage($request);
+        $this->processServerResponse($action, $response, $hkvpp);
+    }
+
+    /**
+     * Updates the state of this FinTs instance and of the `$action` based on the server's response.
+     * See {@link execute()} for more documentation on the possible outcomes.
+     * @param BaseAction $action The action for which the request was sent.
+     * @param Message $response The response we just got from the server.
+     * @param HKVPPv1|null $hkvpp The HKVPP segment, if any was present in the request.
+     * @throws CurlException When the connection fails in a layer below the FinTS protocol.
+     * @throws UnexpectedResponseException When the server responds with a valid but unexpected message.
+     * @throws ServerException When the server responds with a (FinTS-encoded) error message, which includes most things
+     *      that can go wrong with the action itself, like wrong credentials, invalid IBANs, locked accounts, etc.
+     */
+    private function processServerResponse(BaseAction $action, Message $response, ?HKVPPv1 $hkvpp = null): void
+    {
         $this->readBPD($response);
 
         // Detect if the bank wants a TAN.
         /** @var HITAN $hitan */
         $hitan = $response->findSegment(HITAN::class);
+        // Note: Instead of DUMMY_REFERENCE, it's officially the 3076 Rueckmeldungscode that tells we don't need a TAN.
         if ($hitan !== null && $hitan->getAuftragsreferenz() !== HITAN::DUMMY_REFERENCE) {
             if ($hitan->tanProzess !== HKTAN::TAN_PROZESS_4) {
                 throw new UnexpectedResponseException("Unsupported TAN request type $hitan->tanProzess");
@@ -350,14 +404,51 @@ class FinTs
                 $action->setDialogId($response->header->dialogId);
                 $action->setMessageNumber($this->messageNumber);
             }
-            return;
         }
 
-        // If no TAN is needed, process the response normally, and maybe keep going for more pages.
+        // Detect if the bank needs us to do something for Verification of Payee.
+        if ($hkvpp != null) {
+            if ($pollingInfo = VopHelper::checkPollingRequired($response, $hkvpp->getSegmentNumber())) {
+                $action->setPollingInfo($pollingInfo);
+                if ($action->needsTan()) {
+                    throw new UnexpectedResponseException('Unexpected polling and TAN request in the same response.');
+                }
+                return;
+            }
+            if ($confirmationRequest = VopHelper::checkVopConfirmationRequired($response, $hkvpp->getSegmentNumber())) {
+                $action->setVopConfirmationRequest($confirmationRequest);
+                if ($action->needsTan()) {
+                    if ($confirmationRequest->getVerificationResult() === VopVerificationResult::CompletedFullMatch) {
+                        // If someone hits this branch in practice, we can implement it.
+                        throw new UnsupportedException('Combined VOP match confirmation and TAN request');
+                    } else {
+                        throw new UnexpectedResponseException(
+                            'Unexpected TAN request on VOP result: ' . $confirmationRequest->getVerificationResult()
+                        );
+                    }
+                }
+            }
+        }
+
+        if ($action->needsVopConfirmation() || $action->needsTan()) {
+            return; // The action isn't complete yet.
+        }
+
+        // If no TAN or VOP is needed, process the response normally, and maybe keep going for more pages.
         $this->processActionResponse($action, $response->filterByReferenceSegments($action->getRequestSegmentNumbers()));
         if ($action instanceof PaginateableAction && $action->hasMorePages()) {
             $this->execute($action);
         }
+
+        // Check whether the server requested a Kundensystem-ID refresh.
+        if ($response->findRueckmeldung(Rueckmeldungscode::NEUE_KUNDENSYSTEM_ID_HOLEN) !== null) {
+            // TODO Properly implement the refresh here, see https://github.com/nemiah/phpFinTS/issues/458.
+            $this->logger->warning(
+                'The server asked us to refresh the Kundensystem-ID in response to a ' . gettype($action) .
+                ' action, but that is not implemented yet. This could result in authentication errors or extraneous ' .
+                ' re-authentication prompts from the bank.'
+            );
+        }
     }
 
     /**
@@ -365,9 +456,9 @@ class FinTs
      * `false`, this function sends the given $tan to the server to complete the action. By using {@link persist()},
      * this can be done asynchronously, i.e., not in the same PHP process as the original {@link execute()} call.
      *
-     * After this function returns, the `$action` is completed. That is, its result is available through its getters
-     * just as if it had been completed by the original call to {@link execute()} right away. In case the action fails,
-     * the corresponding exception will be thrown from this function.
+     * After this function returns, the `$action` is in any of the same states as after {@link execute()}, see there.
+     * In practice, the action is fully completed after completing the decoupled submission.
+     * In case the action fails, the corresponding exception will be thrown from this function.
      *
      * @link https://www.hbci-zka.de/dokumente/spezifikation_deutsch/fintsv3/FinTS_3.0_Security_Sicherheitsverfahren_PINTAN_2020-07-10_final_version.pdf
      * Section B.4.2.1.1
@@ -379,7 +470,7 @@ class FinTs
      * @throws ServerException When the server responds with a (FinTS-encoded) error message, which includes most things
      *     that can go wrong with the action itself, like wrong credentials, invalid IBANs, locked accounts, etc.
      */
-    public function submitTan(BaseAction $action, string $tan)
+    public function submitTan(BaseAction $action, string $tan): void
     {
         // Check the action's state.
         $tanRequest = $action->getTanRequest();
@@ -433,7 +524,9 @@ class FinTs
      * For an action where {@link BaseAction::needsTan()} returns `true` and {@link TanMode::isDecoupled()} returns
      * `true`, this function checks with the server whether the second factor authentication has been completed yet on
      * the secondary device of the user.
-     * -   If so, this completes the given action and returns `true`.
+     * -   If so, this function returns `true` and the `$action` is then in any of the same states as after
+     *     {@link execute()} (except {@link BaseAction::needsTan()} won't happen again). See there for documentation.
+     *     In practice, the action is fully completed after completing the decoupled submission.
      * -   In case the action fails, the corresponding exception will be thrown from this function.
      * -   If the authentication has not been completed yet, this returns `false` and the action remains in its
      *     previous, uncompleted state.
@@ -449,9 +542,10 @@ class FinTs
      * Section B.4.2.2
      *
      * @param BaseAction $action The action to be completed.
-     * @return bool True if the decoupled authentication is done and the $action was completed. If false, the
-     *     {@link TanRequest} inside the action has been updated, which *may* provide new/more instructions to the user,
-     *     though probably it rarely does in practice.
+     * @return bool True if the decoupled authentication is done and the $action was completed or entered one of the
+     *     other states documented on {@link execute()}.
+     *     If false, the {@link TanRequest} inside the action has been updated, which *may* provide new/more
+     *     instructions to the user, though probably it rarely does in practice.
      * @throws CurlException When the connection fails in a layer below the FinTS protocol.
      * @throws UnexpectedResponseException When the server responds with a valid but unexpected message.
      * @throws ServerException When the server responds with a (FinTS-encoded) error message, which includes most things
@@ -530,6 +624,99 @@ class FinTs
         return true;
     }
 
+    /**
+     * For an action where {@link BaseAction::needsPollingWait()} returns `true`, this function polls the server.
+     * By using {@link persist()}, this can be done asynchronously, i.e., not in the same PHP process as the original
+     * {@link execute()} call or the previous {@link pollAction()} call.
+     *
+     * After this function returns, the `$action` is in any of the same states as after {@link execute()}, see there. In
+     * particular, it's possible that the long-running operation on the server has not completed yet and thus
+     * {@link BaseAction::needsPollingWait()} still returns `true`. In practice, actions often require VOP confirmation
+     * or a TAN after the polling is over, though they can also complete right away.
+     * In case the action fails, the corresponding exception will be thrown from this function.
+     *
+     * @param BaseAction $action The action to be completed.
+     * @throws CurlException When the connection fails in a layer below the FinTS protocol.
+     * @throws UnexpectedResponseException When the server responds with a valid but unexpected message.
+     * @throws ServerException When the server responds with a (FinTS-encoded) error message, which includes most things
+     *     that can go wrong with the action itself, like wrong credentials, invalid IBANs, locked accounts, etc.
+     * @link FinTS_3.0_Messages_Geschaeftsvorfaelle_VOP_1.01_2025_06_27_FV.pdf
+     * Section C.10.7.1.1 a)
+     */
+    public function pollAction(BaseAction $action): void
+    {
+        $pollingInfo = $action->getPollingInfo();
+        if ($pollingInfo === null) {
+            throw new \InvalidArgumentException('This action is not awaiting polling for a long-running operation');
+        } elseif ($pollingInfo instanceof VopPollingInfo) {
+            // Only send a new HKVPP.
+            $hkvpp = VopHelper::createHKVPPForPollingRequest($this->bpd, $pollingInfo);
+            $message = MessageBuilder::create()->add($hkvpp);
+
+            // Execute the request and process the response.
+            $response = $this->sendMessage($this->buildMessage($message, $this->getSelectedTanMode()));
+            $action->setPollingInfo(null);
+            $this->processServerResponse($action, $response, $hkvpp);
+        } else {
+            throw new \InvalidArgumentException('Unexpected PollingInfo type: ' . gettype($pollingInfo));
+        }
+    }
+
+    /**
+     * For an action where {@link BaseAction::needsVopConfirmation()} returns `true`, this function re-submits the
+     * action with the additional confirmation from the user that they want to execute the transfer(s) after having
+     * reviewed the information from the {@link VopConfirmationRequest}.
+     * By using {@link persist()}, this can be done asynchronously, i.e., not in the same PHP process as the original
+     * {@link execute()} call.
+     *
+     * After this function returns, the `$action` is in any of the same states as after {@link execute()}, see there. In
+     * practice, actions often require a TAN after VOP is confirmed, though they can also complete right away.
+     * In case the action fails, the corresponding exception will be thrown from this function.
+     *
+     * @param BaseAction $action The action to be completed.
+     * @throws CurlException When the connection fails in a layer below the FinTS protocol.
+     * @throws UnexpectedResponseException When the server responds with a valid but unexpected message.
+     * @throws ServerException When the server responds with a (FinTS-encoded) error message, which includes most things
+     *     that can go wrong with the action itself, like wrong credentials, invalid IBANs, locked accounts, etc.
+     * @link FinTS_3.0_Messages_Geschaeftsvorfaelle_VOP_1.01_2025_06_27_FV.pdf
+     * Section C.10.7.1.2 a)
+     */
+    public function confirmVop(BaseAction $action): void
+    {
+        $vopConfirmationRequest = $action->getVopConfirmationRequest();
+        if (!($vopConfirmationRequest instanceof VopConfirmationRequestImpl)) {
+            throw new \InvalidArgumentException('Unexpected type: ' . gettype($vopConfirmationRequest));
+        }
+        // We need to send the original request again, plus HKVPA as the confirmation.
+        $requestSegments = $action->getNextRequest($this->bpd, $this->upd);
+        if (count($requestSegments) === 0) {
+            throw new \AssertionError('Request unexpectedly became empty upon VOP confirmation');
+        }
+        $message = MessageBuilder::create()
+            ->add($requestSegments)
+            ->add(VopHelper::createHKVPAForConfirmation($vopConfirmationRequest));
+
+        // Add HKTAN for authentication if necessary.
+        if (!($this->getSelectedTanMode() instanceof NoPsd2TanMode)) {
+            if (($needTanForSegment = $action->getNeedTanForSegment()) !== null) {
+                $message->add(HKTANFactory::createProzessvariante2Step1(
+                    $this->requireTanMode(), $this->selectedTanMedium, $needTanForSegment));
+            }
+        }
+
+        // Construct the request message and tell the action about the segment numbers that were assigned.
+        $request = $this->buildMessage($message, $this->getSelectedTanMode()); // This fills in the segment numbers.
+        $action->setRequestSegmentNumbers(array_map(function ($segment) {
+            /* @var BaseSegment $segment */
+            return $segment->getSegmentNumber();
+        }, $requestSegments));
+
+        // Execute the request and process the response.
+        $response = $this->sendMessage($this->buildMessage($message, $this->getSelectedTanMode()));
+        $action->setVopConfirmationRequest(null);
+        $this->processServerResponse($action, $response);
+    }
+
     /**
      * Closes the session/dialog/connection, if open. This is equivalent to logging out. You should call this function
      * when you're done with all the actions, but NOT when you're persisting the instance to fulfill the TAN request of
@@ -538,7 +725,7 @@ class FinTs
      * from cached BPD/UPD upon the next {@link login()}, for instance.
      * @throws ServerException When closing the dialog fails.
      */
-    public function close()
+    public function close(): void
     {
         if ($this->dialogId !== null) {
             $this->endDialog();
@@ -552,7 +739,7 @@ class FinTs
      * This can be called by the application using this library when it just restored this FinTs instance from the
      * persisted format after a long time, during which the session/dialog has most likely expired on the server side.
      */
-    public function forgetDialog()
+    public function forgetDialog(): void
     {
         $this->dialogId = null;
     }
@@ -571,9 +758,11 @@ class FinTs
     public function getTanModes(): array
     {
         $this->ensureTanModesAvailable();
-        $result = array();
+        $result = [];
         foreach ($this->allowedTanModes as $tanModeId) {
-            if (!array_key_exists($tanModeId, $this->bpd->allTanModes)) continue;
+            if (!array_key_exists($tanModeId, $this->bpd->allTanModes)) {
+                continue;
+            }
             $result[$tanModeId] = $this->bpd->allTanModes[$tanModeId];
         }
         return $result;
@@ -624,7 +813,7 @@ class FinTs
      *     must be the value returned from {@link TanMedium::getName()} for one of the TAN media supported with that TAN
      *     mode. Use {@link getTanMedia()} to obtain a list of possible TAN media options.
      */
-    public function selectTanMode($tanMode, $tanMedium = null)
+    public function selectTanMode($tanMode, $tanMedium = null): void
     {
         if (!is_int($tanMode) && !($tanMode instanceof TanMode)) {
             throw new \InvalidArgumentException('tanMode must be an int or a TanMode');
@@ -664,7 +853,7 @@ class FinTs
      * @throws UnexpectedResponseException When the server does not send the BPD or close the dialog properly.
      * @throws ServerException When the server resopnds with an error.
      */
-    private function ensureBpdAvailable()
+    private function ensureBpdAvailable(): void
     {
         if ($this->bpd !== null) {
             return; // Nothing to do.
@@ -711,7 +900,7 @@ class FinTs
      *     like it should according to the protocol, or when the dialog is not closed properly.
      * @throws ServerException When the server responds with an error.
      */
-    private function ensureTanModesAvailable()
+    private function ensureTanModesAvailable(): void
     {
         if ($this->allowedTanModes === null) {
             $this->ensureBpdAvailable();
@@ -730,7 +919,7 @@ class FinTs
      *     dialog is not closed properly.
      * @throws ServerException When the server responds with an error.
      */
-    private function ensureSynchronized()
+    private function ensureSynchronized(): void
     {
         if ($this->kundensystemId === null) {
             $this->ensureBpdAvailable();
@@ -820,7 +1009,7 @@ class FinTs
     /**
      * Closes the physical connection, if necessary.
      */
-    private function disconnect()
+    private function disconnect(): void
     {
         if ($this->connection !== null) {
             $this->connection->disconnect();
@@ -834,7 +1023,7 @@ class FinTs
      * @param Message $fakeResponseMessage A messsage that contains the response segments for this action.
      * @throws UnexpectedResponseException When the server responded with a valid but unexpected message.
      */
-    private function processActionResponse(BaseAction $action, Message $fakeResponseMessage)
+    private function processActionResponse(BaseAction $action, Message $fakeResponseMessage): void
     {
         $action->processResponse($fakeResponseMessage);
         if ($action instanceof DialogInitialization) {
@@ -864,7 +1053,7 @@ class FinTs
      *     properly.
      * @throws ServerException When the server responds with an error.
      */
-    private function executeWeakDialogInitialization(?string $hktanRef)
+    private function executeWeakDialogInitialization(?string $hktanRef): void
     {
         if ($this->dialogId !== null) {
             throw new \RuntimeException('Cannot init another dialog.');
@@ -905,7 +1094,7 @@ class FinTs
      * @throws ServerException When the server responds with an error instead of closing the dialog. This means that
      *     the connection is tainted and can probably not be used for another dialog.
      */
-    protected function endDialog(bool $isAnonymous = false)
+    protected function endDialog(bool $isAnonymous = false): void
     {
         if ($this->connection === null) {
             $this->dialogId = null;
@@ -943,7 +1132,7 @@ class FinTs
      * @param MessageBuilder $message The message to be built.
      * @param TanMode|null $tanMode Optionally a TAN mode that will be used when sending this message, defaults to 999
      *     (single step).
-     * @param string|null Optionally a TAN to sign this message with.
+     * @param string|null $tan Optionally a TAN to sign this message with.
      * @return Message The built message.
      */
     private function buildMessage(MessageBuilder $message, ?TanMode $tanMode = null, ?string $tan = null): Message

vendor/nemiah/php-fints/lib/Fhp/MT940/Dialect/PostbankMT940.php

@@ -8,7 +8,6 @@ class PostbankMT940 extends MT940
 {
     public const DIALECT_ID = 'https://hbci.postbank.de/banking/hbci.do';
 
-    /** {@inheritdoc} */
     public function extractStructuredDataFromRemittanceLines($descriptionLines, string &$gvc, array &$rawLines, array $transaction): array
     {
         // z.B bei Zinsen o.ä. ist alles leer

vendor/nemiah/php-fints/lib/Fhp/MT940/Dialect/SpardaMT940.php

@@ -8,7 +8,6 @@ class SpardaMT940 extends MT940
 {
     public const DIALECT_ID = 'https://fints.bankingonline.de/fints/FinTs30PinTanHttpGate';
 
-    /** {@inheritdoc} */
     public function extractStructuredDataFromRemittanceLines($descriptionLines, string &$gvc, array &$rawLines, array $transaction): array
     {
         $otherInfo = [];

vendor/nemiah/php-fints/lib/Fhp/MT940/MT940.php

@@ -142,8 +142,8 @@ class MT940
                     $soaDate = $this->getDate(substr($day[$i], 1, 6));
 
                     if (isset($result[$soaDate])) {
-                        #$result[$soaDate] = ['end_balance' => []];
-                    
+                        // $result[$soaDate] = ['end_balance' => []];
+
                         $amount = str_replace(',', '.', substr($day[$i], 10, -1));
                         $cdMark = substr($day[$i], 0, 1);
                         if ($cdMark == 'C') {

vendor/nemiah/php-fints/lib/Fhp/Model/FlickerTan/StartCode.php

@@ -68,17 +68,11 @@ class StartCode extends DataElement
         $this->headerHighBit = '1';
     }
 
-    /**
-     * {@inheritDoc}
-     */
     public function toHex(): string
     {
         return $this->getHeaderHex() . implode('', $this->controlBytes) . $this->getDataHex();
     }
 
-    /**
-     * {@inheritDoc}
-     */
     public function getLuhnChecksum(): int
     {
         $luhn = 0;
@@ -89,9 +83,6 @@ class StartCode extends DataElement
         return $luhn;
     }
 
-    /**
-     * {@inheritDoc}
-     */
     public function __debugInfo(): ?array
     {
         return [

vendor/nemiah/php-fints/lib/Fhp/Model/NoPsd2TanMode.php

@@ -16,13 +16,11 @@ final class NoPsd2TanMode implements TanMode
 {
     public const ID = -1;
 
-    /** {@inheritdoc} */
     public function getId(): int
     {
         return self::ID;
     }
 
-    /** {@inheritdoc} */
     public function getName(): string
     {
         return 'No PSD2/TANs supported';
@@ -33,91 +31,76 @@ final class NoPsd2TanMode implements TanMode
         return false;
     }
 
-    /** {@inheritdoc} */
     public function isDecoupled(): bool
     {
         return false;
     }
 
-    /** {@inheritdoc} */
     public function getChallengeLabel(): string
     {
         return '';
     }
 
-    /** {@inheritdoc} */
     public function getMaxChallengeLength(): int
     {
         return 0;
     }
 
-    /** {@inheritdoc} */
     public function getMaxTanLength(): int
     {
         return 0;
     }
 
-    /** {@inheritdoc} */
     public function getTanFormat(): int
     {
         return 0;
     }
 
-    /** {@inheritdoc} */
     public function needsTanMedium(): bool
     {
         return false;
     }
 
-    /** {@inheritdoc} */
     public function getSmsAbbuchungskontoErforderlich(): bool
     {
         return false;
     }
 
-    /** {@inheritdoc} */
     public function getAuftraggeberkontoErforderlich(): bool
     {
         return false;
     }
 
-    /** {@inheritdoc} */
     public function getChallengeKlasseErforderlich(): bool
     {
         return false;
     }
 
-    /** {@inheritdoc} */
     public function getAntwortHhdUcErforderlich(): bool
     {
         return false;
     }
 
-    /** {@inheritdoc} */
     public function getMaxDecoupledChecks(): int
     {
         throw new \RuntimeException('Only allowed for decoupled TAN modes');
     }
 
-    /** {@inheritdoc} */
     public function getFirstDecoupledCheckDelaySeconds(): int
     {
         throw new \RuntimeException('Only allowed for decoupled TAN modes');
     }
 
-    /** {@inheritdoc} */
     public function getPeriodicDecoupledCheckDelaySeconds(): int
     {
         throw new \RuntimeException('Only allowed for decoupled TAN modes');
     }
 
-    /** {@inheritdoc} */
     public function allowsManualConfirmation(): bool
     {
         throw new \RuntimeException('Only allowed for decoupled TAN modes');
     }
 
-    /** {@inheritdoc} */
     public function allowsAutomatedPolling(): bool
     {
         throw new \RuntimeException('Only allowed for decoupled TAN modes');

vendor/nemiah/php-fints/lib/Fhp/Model/PollingInfo.php

@@ -0,0 +1,23 @@
+<?php
+
+namespace Fhp\Model;
+
+/**
+ * Provides information that the client application should use to poll for the completion of a long-running operation on
+ * the server.
+ */
+interface PollingInfo
+{
+    /**
+     * @return ?int The number of seconds (measured from the time when the client received this {@link PollingInfo})
+     *     after which the client is allowed to contact the server again regarding this action. If this returns null,
+     *     there is no restriction.
+     */
+    public function getNextAttemptInSeconds(): ?int;
+
+    /**
+     * @return ?string An HTML-formatted text (either in the bank's language or in English!) that the application may
+     *     display to the user to inform them (on a very high level) about why they have to wait.
+     */
+    public function getInformationForUser(): ?string;
+}

vendor/nemiah/php-fints/lib/Fhp/Model/StatementOfAccount/Statement.php

@@ -7,30 +7,12 @@ class Statement
     public const CD_CREDIT = 'credit';
     public const CD_DEBIT = 'debit';
 
-    /**
-     * @var array of Transaction
-     */
-    protected $transactions = [];
-
-    /**
-     * @var float
-     */
-    protected $startBalance = 0.0;
-
-    /**
-     * @var float|null
-     */
-    protected $endBalance = null;
-
-    /**
-     * @var string|null
-     */
-    protected $creditDebit = null;
-
-    /**
-     * @var \DateTime|null
-     */
-    protected $date;
+    /** @var Transaction[] */
+    protected array $transactions = [];
+    protected float $startBalance = 0.0;
+    protected ?float $endBalance = null;
+    protected ?string $creditDebit = null;
+    protected ?\DateTime $date = null;
 
     /**
      * Get transactions

vendor/nemiah/php-fints/lib/Fhp/Model/StatementOfAccount/StatementOfAccount.php

@@ -6,10 +6,8 @@ use Fhp\MT940\MT940;
 
 class StatementOfAccount
 {
-    /**
-     * @var Statement[]
-     */
-    protected $statements = [];
+    /** @var Statement[] */
+    protected array $statements = [];
 
     /**
      * Get statements
@@ -77,7 +75,7 @@ class StatementOfAccount
                     $statementModel->setStartBalance((float) $statement['start_balance']['amount']);
                 }
                 if (isset($statement['end_balance'])) {
-                    $statementModel->setEndBalance((float) $statement['end_balance']['amount'] * ($statement["end_balance"]['credit_debit'] == MT940::CD_CREDIT ? 1 : -1));
+                    $statementModel->setEndBalance((float) $statement['end_balance']['amount'] * ($statement['end_balance']['credit_debit'] == MT940::CD_CREDIT ? 1 : -1));
                 }
                 if (isset($statement['start_balance']['credit_debit'])) {
                     $statementModel->setCreditDebit($statement['start_balance']['credit_debit']);

vendor/nemiah/php-fints/lib/Fhp/Model/StatementOfAccount/Transaction.php

@@ -8,86 +8,28 @@ class Transaction
     public const CD_CREDIT = 'credit';
     public const CD_DEBIT = 'debit';
 
-    /**
-     * @var \DateTime|null
-     */
-    protected $bookingDate;
-
-    /**
-     * @var \DateTime|null
-     */
-    protected $valutaDate;
-
-    /**
-     * @var float
-     */
-    protected $amount;
-
-    /**
-     * @var string
-     */
-    protected $creditDebit;
-
-    /**
-     * @var bool
-     */
-    protected $isStorno;
-
-    /**
-     * @var string
-     */
-    protected $bookingCode;
-
-    /**
-     * @var string
-     */
-    protected $bookingText;
-
-    /**
-     * @var string
-     */
-    protected $description1;
-
-    /**
-     * @var string
-     */
-    protected $description2;
+    protected ?\DateTime $bookingDate = null;
+    protected ?\DateTime $valutaDate = null;
+    protected float $amount;
+    protected string $creditDebit;
+    protected bool $isStorno;
+    protected string $bookingCode;
+    protected string $bookingText;
+    protected string $description1;
+    protected string $description2;
 
     /**
      * Array keys are identifiers like "SVWZ" for the main description.
      * @var string[]
      */
-    protected $structuredDescription;
+    protected array $structuredDescription;
 
-    /**
-     * @var string
-     */
-    protected $bankCode;
-
-    /**
-     * @var string
-     */
-    protected $accountNumber;
-
-    /**
-     * @var string
-     */
-    protected $name;
-
-    /**
-     * @var bool
-     */
-    protected $booked;
-
-    /**
-     * @var int
-     */
-    protected $pn;
-
-    /**
-     * @var int
-     */
-    protected $textKeyAddition;
+    protected string $bankCode;
+    protected string $accountNumber;
+    protected string $name;
+    protected bool $booked;
+    protected int $pn;
+    protected int $textKeyAddition;
 
     /**
      * Get booking date.
@@ -121,10 +63,9 @@ class Transaction
      *
      * @return $this
      */
-    public function setBookingDate(?\DateTime $date = null)
+    public function setBookingDate(?\DateTime $date = null): static
     {
         $this->bookingDate = $date;
-
         return $this;
     }
 
@@ -133,10 +74,9 @@ class Transaction
      *
      * @return $this
      */
-    public function setValutaDate(?\DateTime $date = null)
+    public function setValutaDate(?\DateTime $date = null): static
     {
         $this->valutaDate = $date;
-
         return $this;
     }
 
@@ -153,10 +93,9 @@ class Transaction
      *
      * @return $this
      */
-    public function setBooked(bool $booked)
+    public function setBooked(bool $booked): static
     {
         $this->booked = $booked;
-
         return $this;
     }
 
@@ -165,10 +104,9 @@ class Transaction
      *
      * @return $this
      */
-    public function setAmount(float $amount)
+    public function setAmount(float $amount): static
     {
-        $this->amount = (float) $amount;
-
+        $this->amount = $amount;
         return $this;
     }
 
@@ -185,10 +123,9 @@ class Transaction
      *
      * @return $this
      */
-    public function setCreditDebit(string $creditDebit)
+    public function setCreditDebit(string $creditDebit): static
     {
         $this->creditDebit = $creditDebit;
-
         return $this;
     }
 
@@ -205,10 +142,9 @@ class Transaction
      *
      * @return $this
      */
-    public function setIsStorno(bool $isStorno)
+    public function setIsStorno(bool $isStorno): static
     {
         $this->isStorno = $isStorno;
-
         return $this;
     }
 
@@ -225,10 +161,9 @@ class Transaction
      *
      * @return $this
      */
-    public function setBookingCode(string $bookingCode)
+    public function setBookingCode(string $bookingCode): static
     {
-        $this->bookingCode = (string) $bookingCode;
-
+        $this->bookingCode = $bookingCode;
         return $this;
     }
 
@@ -245,10 +180,9 @@ class Transaction
      *
      * @return $this
      */
-    public function setBookingText(string $bookingText)
+    public function setBookingText(string $bookingText): static
     {
-        $this->bookingText = (string) $bookingText;
-
+        $this->bookingText = $bookingText;
         return $this;
     }
 
@@ -265,10 +199,9 @@ class Transaction
      *
      * @return $this
      */
-    public function setDescription1(string $description1)
+    public function setDescription1(string $description1): static
     {
-        $this->description1 = (string) $description1;
-
+        $this->description1 = $description1;
         return $this;
     }
 
@@ -285,10 +218,9 @@ class Transaction
      *
      * @return $this
      */
-    public function setDescription2(string $description2)
+    public function setDescription2(string $description2): static
     {
-        $this->description2 = (string) $description2;
-
+        $this->description2 = $description2;
         return $this;
     }
 
@@ -306,10 +238,9 @@ class Transaction
      * Set structuredDescription
      *
      * @param string[] $structuredDescription
-     *
      * @return $this
      */
-    public function setStructuredDescription(array $structuredDescription)
+    public function setStructuredDescription(array $structuredDescription): static
     {
         $this->structuredDescription = $structuredDescription;
 
@@ -353,10 +284,9 @@ class Transaction
      *
      * @return $this
      */
-    public function setBankCode(string $bankCode)
+    public function setBankCode(string $bankCode): static
     {
-        $this->bankCode = (string) $bankCode;
-
+        $this->bankCode = $bankCode;
         return $this;
     }
 
@@ -373,10 +303,9 @@ class Transaction
      *
      * @return $this
      */
-    public function setAccountNumber(string $accountNumber)
+    public function setAccountNumber(string $accountNumber): static
     {
-        $this->accountNumber = (string) $accountNumber;
-
+        $this->accountNumber = $accountNumber;
         return $this;
     }
 
@@ -401,10 +330,9 @@ class Transaction
      *
      * @return $this
      */
-    public function setName(string $name)
+    public function setName(string $name): static
     {
-        $this->name = (string) $name;
-
+        $this->name = $name;
         return $this;
     }
 
@@ -422,7 +350,7 @@ class Transaction
      * @param int|mixed $nr Will be parsed to an int.
      * @return $this
      */
-    public function setPN($nr)
+    public function setPN($nr): static
     {
         $this->pn = intval($nr);
         return $this;
@@ -442,7 +370,7 @@ class Transaction
      * @param int|mixed $textKeyAddition Will be parsed to an int.
      * @return $this
      */
-    public function setTextKeyAddition($textKeyAddition)
+    public function setTextKeyAddition($textKeyAddition): static
     {
         $this->textKeyAddition = intval($textKeyAddition);
         return $this;

vendor/nemiah/php-fints/lib/Fhp/Model/VopConfirmationRequest.php

@@ -0,0 +1,25 @@
+<?php
+
+namespace Fhp\Model;
+
+/**
+ * Provides information (about the payee) that the client application should present to the user and then ask for their
+ * confirmation that the transfer (to this payee) should be executed.
+ */
+interface VopConfirmationRequest
+{
+    /** An HTML-formatted text that (if present) the application must show to the user when asking for confirmation. */
+    public function getInformationForUser(): ?string;
+
+    /** If this returns a non-null value, the confirmation request is only valid up to that time. */
+    public function getExpiration(): ?\DateTime;
+
+    /** The main outcome of the payee verification. See {@link VopVerificationResult} for possible values. */
+    public function getVerificationResult(): ?string;
+
+    /**
+     * If {@link getVerificationResult()} returns {@link VopVerificationResult::NotApplicable}, then this function MAY
+     * return an additional explanation (in the user's language or in English), but it may also return null.
+     */
+    public function getVerificationNotApplicableReason(): ?string;
+}

vendor/nemiah/php-fints/lib/Fhp/Model/VopConfirmationRequestImpl.php

@@ -0,0 +1,54 @@
+<?php
+
+namespace Fhp\Model;
+
+use Fhp\Syntax\Bin;
+
+/** Application code should not interact directly with this type, see {@link VopConfirmationRequest instead}. */
+class VopConfirmationRequestImpl implements VopConfirmationRequest
+{
+    private Bin $vopId;
+    private ?\DateTime $expiration;
+    private ?string $informationForUser;
+    private ?string $verificationResult;
+    private ?string $verificationNotApplicableReason;
+
+    public function __construct(
+        Bin $vopId,
+        ?\DateTime $expiration,
+        ?string $informationForUser,
+        ?string $verificationResult,
+        ?string $verificationNotApplicableReason,
+    ) {
+        $this->vopId = $vopId;
+        $this->expiration = $expiration;
+        $this->informationForUser = $informationForUser;
+        $this->verificationResult = $verificationResult;
+        $this->verificationNotApplicableReason = $verificationNotApplicableReason;
+    }
+
+    public function getVopId(): Bin
+    {
+        return $this->vopId;
+    }
+
+    public function getExpiration(): ?\DateTime
+    {
+        return $this->expiration;
+    }
+
+    public function getInformationForUser(): ?string
+    {
+        return $this->informationForUser;
+    }
+
+    public function getVerificationResult(): ?string
+    {
+        return $this->verificationResult;
+    }
+
+    public function getVerificationNotApplicableReason(): ?string
+    {
+        return $this->verificationNotApplicableReason;
+    }
+}

vendor/nemiah/php-fints/lib/Fhp/Model/VopPollingInfo.php

@@ -0,0 +1,50 @@
+<?php
+
+namespace Fhp\Model;
+
+use Fhp\Syntax\Bin;
+
+/**
+ * Application code should not interact directly with this type, see {@link PollingInfo instead}.
+ *
+ * When we send a request to the bank that requires a Verification of Payee, this means that the bank server has to
+ * contact another bank's server and compare payee names. Especially for larger requests (e.g. bulk transfers), this can
+ * take some time. During this time, the server asks the client to poll regularly in order to find out when the process
+ * is done. This class contains the state that the client needs to do this polling.
+ */
+class VopPollingInfo implements PollingInfo
+{
+    // Both of these are effectively opaque tokens that only the server understands. Our job is to relay them back to
+    // the server when polling. And for some reason there's two of them.
+    private string $aufsetzpunkt;
+    private ?Bin $pollingId;
+
+    private ?int $nextAttemptInSeconds = null;
+
+    public function __construct(string $aufsetzpunkt, ?Bin $pollingId, ?int $nextAttemptInSeconds)
+    {
+        $this->aufsetzpunkt = $aufsetzpunkt;
+        $this->pollingId = $pollingId;
+        $this->nextAttemptInSeconds = $nextAttemptInSeconds;
+    }
+
+    public function getAufsetzpunkt(): string
+    {
+        return $this->aufsetzpunkt;
+    }
+
+    public function getPollingId(): ?Bin
+    {
+        return $this->pollingId;
+    }
+
+    public function getNextAttemptInSeconds(): ?int
+    {
+        return $this->nextAttemptInSeconds;
+    }
+
+    public function getInformationForUser(): string
+    {
+        return 'The bank is verifying payee information...';
+    }
+}

vendor/nemiah/php-fints/lib/Fhp/Model/VopVerificationResult.php

@@ -0,0 +1,51 @@
+<?php
+
+namespace Fhp\Model;
+
+use Fhp\Protocol\UnexpectedResponseException;
+
+/**
+ * Possible outcomes of the Verification of Payee check that the bank did on a transfer we want to execute.
+ * TODO Once we have PHP8.1, turn this into an enum. That's why we use UpperCamelCase below (Symfony style for enums).
+ * @see FinTS_3.0_Messages_Geschaeftsvorfaelle_VOP_1.01_2025_06_27_FV.pdf (chapter D under "VOP-Prüfergebnis")
+ * @see https://febelfin.be/media/pages/publicaties/2023/febelfin-standaarden-voor-online-bankieren/971728b297-1746523070/febelfin-standard-payment-status-report-xml-2025-v1.0-en_final.pdf
+ */
+class VopVerificationResult
+{
+    /** The verification completed and successfully matched the payee information. */
+    public const CompletedFullMatch = 'CompletedFullMatch';
+    /** The verification completed and only partially matched the payee information. */
+    public const CompletedCloseMatch = 'CompletedCloseMatch';
+    /** The verification completed but could not match the payee information. */
+    public const CompletedNoMatch = 'CompletedNoMatch';
+    /** The verification completed but not all included transfers were successfully matched. */
+    public const CompletedPartialMatch = 'CompletedPartialMatch';
+    /**
+     * The verification was attempted but could not be completed. More information MAY be available from
+     * {@link VopConfirmationRequest::getVerificationNotApplicableReason()}.
+     */
+    public const NotApplicable = 'NotApplicable';
+
+    public function __construct()
+    {
+        // Disallow instantiation, because we'll turn this into an enum.
+        throw new \AssertionError('There should be no instances of VopVerificationResult');
+    }
+
+    /**
+     * @param ?string $codeFromBank The verification status code received from the bank.
+     * @return ?string One of the constants defined above, or null if the code could not be recognized.
+     */
+    public static function parse(?string $codeFromBank): ?string
+    {
+        return match ($codeFromBank) {
+            null => null,
+            'RCVC' => self::CompletedFullMatch,
+            'RVMC' => self::CompletedCloseMatch,
+            'RVNM' => self::CompletedNoMatch,
+            'RVCM' => self::CompletedPartialMatch,
+            'RVNA' => self::NotApplicable,
+            default => throw new UnexpectedResponseException("Unexpected VOP result code: $codeFromBank"),
+        };
+    }
+}

vendor/nemiah/php-fints/lib/Fhp/PaginateableAction.php

@@ -6,7 +6,6 @@ use Fhp\Protocol\BPD;
 use Fhp\Protocol\Message;
 use Fhp\Protocol\UnexpectedResponseException;
 use Fhp\Protocol\UPD;
-use Fhp\Segment\BaseSegment;
 use Fhp\Segment\HIRMS\Rueckmeldungscode;
 use Fhp\Segment\Paginateable;
 
@@ -19,23 +18,20 @@ use Fhp\Segment\Paginateable;
 abstract class PaginateableAction extends BaseAction
 {
     /**
-     * @var BaseSegment[] Stores the request created by BaseAction::getNextRequest to be reused in case the bank wants
+     * Stores the request created by BaseAction::getNextRequest to be reused in case the bank wants
      * to split the result over multiple pages e.g. request/response pairs. This avoids the need for {@link BPD} to be
      * available for paginated requests.
      */
-    protected $requestSegments;
+    protected ?array $requestSegments = null;
 
     /**
      * If set, the last response from the server regarding this action indicated that there are more results to be
      * fetched using this pagination token. This is called "Aufsetzpunkt" in the specification.
-     * @var string|null
      */
-    protected $paginationToken;
+    protected ?string $paginationToken = null;
 
     /**
      * @deprecated Beginning from PHP7.4 __unserialize is used for new generated strings, then this method is only used for previously generated strings - remove after May 2023
-     *
-     * {@inheritdoc}
      */
     public function serialize(): string
     {
@@ -53,8 +49,6 @@ abstract class PaginateableAction extends BaseAction
 
     /**
      * @deprecated Beginning from PHP7.4 __unserialize is used for new generated strings, then this method is only used for previously generated strings - remove after May 2023
-     *
-     * {@inheritdoc}
      */
     public function unserialize($serialized)
     {
@@ -82,10 +76,9 @@ abstract class PaginateableAction extends BaseAction
         return !$this->isDone() && $this->paginationToken !== null;
     }
 
-    /** {@inheritdoc} */
     public function processResponse(Message $response)
     {
-        if (($pagination = $response->findRueckmeldung(Rueckmeldungscode::PAGINATION)) !== null) {
+        if (($pagination = $response->findRueckmeldung(Rueckmeldungscode::AUFSETZPUNKT)) !== null) {
             if (count($pagination->rueckmeldungsparameter) !== 1) {
                 throw new UnexpectedResponseException("Unexpected pagination request: $pagination");
             }
@@ -97,7 +90,6 @@ abstract class PaginateableAction extends BaseAction
         }
     }
 
-    /** {@inheritdoc} */
     public function getNextRequest(?BPD $bpd, ?UPD $upd)
     {
         if ($this->requestSegments === null) {

vendor/nemiah/php-fints/lib/Fhp/Protocol/ActionPendingException.php

@@ -0,0 +1,26 @@
+<?php
+/** @noinspection PhpUnused */
+
+namespace Fhp\Protocol;
+
+use Fhp\Model\PollingInfo;
+
+/**
+ * Thrown when an action result is read, but the action is still pending a long-running operation on the server and
+ * requires polling to find out when it's completed.
+ */
+class ActionPendingException extends \RuntimeException
+{
+    private PollingInfo $pollingInfo;
+
+    public function __construct(PollingInfo $pollingInfo)
+    {
+        parent::__construct('This action needs polling to await finishing a server-side operation.');
+        $this->pollingInfo = $pollingInfo;
+    }
+
+    public function getPollingInfo(): PollingInfo
+    {
+        return $this->pollingInfo;
+    }
+}

vendor/nemiah/php-fints/lib/Fhp/Protocol/BPD.php

@@ -10,6 +10,7 @@ use Fhp\Segment\HIBPA\HIBPAv3;
 use Fhp\Segment\HIPINS\HIPINSv1;
 use Fhp\Segment\SegmentInterface;
 use Fhp\Segment\TAN\HITANS;
+use Fhp\Segment\VPP\HIVPPSv1;
 
 /**
  * Segmentfolge: Bankparameterdaten (Version 3)
@@ -152,6 +153,28 @@ class BPD
         return null;
     }
 
+    /**
+     * @param SegmentInterface[] $requestSegments The segments that shall be sent to the bank.
+     * @return string|null Identifier of the (first) segment that requires Verification of Payee according to HIPINS, or
+     *     null if none of the segments require verification.
+     */
+    public function vopRequiredForRequest(array $requestSegments): ?string
+    {
+        /** @var HIVPPSv1 $hivpps */
+        $hivpps = $this->getLatestSupportedParameters('HIVPPS');
+        $vopRequiredTypes = $hivpps?->parameter?->vopPflichtigerZahlungsverkehrsauftrag;
+        if ($vopRequiredTypes === null) {
+            return null;
+        }
+
+        foreach ($requestSegments as $segment) {
+            if (in_array($segment->getName(), $vopRequiredTypes)) {
+                return $segment->getName();
+            }
+        }
+        return null;
+    }
+
     /**
      * @return bool Whether the BPD indicates that the bank supports PSD2.
      */

vendor/nemiah/php-fints/lib/Fhp/Protocol/DialogInitialization.php

@@ -143,7 +143,7 @@ class DialogInitialization extends BaseAction
             $this->hktanRef,
             $this->kundensystemId,
             $this->messageNumber,
-            $this->dialogId
+            $this->dialogId,
         ) = $serialized;
 
         is_array($parentSerialized) ?
@@ -151,7 +151,6 @@ class DialogInitialization extends BaseAction
             parent::unserialize($parentSerialized);
     }
 
-    /** {@inheritdoc} */
     protected function createRequest(BPD $bpd, ?UPD $upd)
     {
         throw new \AssertionError('DialogInitialization::createRequest should not be used.');

vendor/nemiah/php-fints/lib/Fhp/Protocol/GetTanMedia.php

@@ -17,7 +17,6 @@ class GetTanMedia extends BaseAction
     /** @var TanMediumListe[]|null */
     private $tanMedia;
 
-    /** {@inheritdoc} */
     protected function createRequest(BPD $bpd, ?UPD $upd)
     {
         // Prepare the HKTAB request.
@@ -32,7 +31,6 @@ class GetTanMedia extends BaseAction
         }
     }
 
-    /** {@inheritdoc} */
     public function processResponse(Message $response)
     {
         parent::processResponse($response);

vendor/nemiah/php-fints/lib/Fhp/Protocol/Message.php

@@ -190,12 +190,17 @@ class Message
 
     /**
      * @param int $code The response code to search for.
+     * @param ?int $requestSegmentNumber If set, only consider Rueckmeldungen that pertain to this request segment.
      * @return Rueckmeldung|null The corresponding Rueckmeldung instance, or null if not found.
      */
-    public function findRueckmeldung(int $code): ?Rueckmeldung
+    public function findRueckmeldung(int $code, ?int $requestSegmentNumber = null): ?Rueckmeldung
     {
         foreach ($this->plainSegments as $segment) {
-            if ($segment instanceof RueckmeldungContainer) {
+            if (
+                $segment instanceof RueckmeldungContainer && (
+                    $requestSegmentNumber === null || $segment->segmentkopf->bezugselement === $requestSegmentNumber
+                )
+            ) {
                 $rueckmeldung = $segment->findRueckmeldung($code);
                 if ($rueckmeldung !== null) {
                     return $rueckmeldung;
@@ -217,16 +222,29 @@ class Message
         return $rueckmeldungen;
     }
 
+    /**
+     * @param int $requestSegmentNumber Only consider Rueckmeldungen that pertain to this request segment.
+     * @return int[] The codes of all the Rueckmeldung instances matching the request segment.
+     */
+    public function findRueckmeldungscodesForReferenceSegment(int $requestSegmentNumber): array
+    {
+        $codes = [];
+        foreach ($this->plainSegments as $segment) {
+            if ($segment instanceof RueckmeldungContainer && $segment->segmentkopf->bezugselement === $requestSegmentNumber) {
+                foreach ($segment->getAllRueckmeldungen() as $rueckmeldung) {
+                    $codes[] = $rueckmeldung->rueckmeldungscode;
+                }
+            }
+        }
+        return $codes;
+    }
+
     /**
      * @return string The HBCI/FinTS wire format for this message, ISO-8859-1 encoded.
      */
     public function serialize(): string
     {
-        $result = '';
-        foreach ($this->wrapperSegments as $segment) {
-            $result .= Serializer::serializeSegment($segment);
-        }
-        return $result;
+        return Serializer::serializeSegments($this->wrapperSegments);
     }
 
     /**
@@ -300,14 +318,16 @@ class Message
         $segments = Parser::parseSegments($rawMessage);
 
         // Message header and footer must always be there, or something went badly wrong.
-        if (!($segments[0] instanceof HNHBKv3)) {
-            throw new \InvalidArgumentException("Expected first segment to be HNHBK: $rawMessage");
-        }
-        if (!($segments[count($segments) - 1] instanceof HNHBSv1)) {
-            throw new \InvalidArgumentException("Expected last segment to be HNHBS: $rawMessage");
-        }
         $result->header = $segments[0];
         $result->footer = $segments[count($segments) - 1];
+        if (!($result->header instanceof HNHBKv3)) {
+            $actual = $result->header->getName();
+            throw new \InvalidArgumentException("Expected first segment to be HNHBK, but got $actual: $rawMessage");
+        }
+        if (!($result->footer instanceof HNHBSv1)) {
+            $actual = $result->footer->getName();
+            throw new \InvalidArgumentException("Expected last segment to be HNHBS, but got $actual: $rawMessage");
+        }
 
         // Check if there's an encryption header and "encrypted" data.
         // Section B.8 specifies that there are exactly 4 segments: HNHBK, HNVSK, HNVSD, HNHBS.
@@ -351,7 +371,7 @@ class Message
      * @param int $segmentNumber The number for the *first* segment, subsequent segment get the subsequent integers.
      * @return BaseSegment[] The same array, for chaining.
      */
-    private static function setSegmentNumbers(array $segments, int $segmentNumber): array
+    public static function setSegmentNumbers(array $segments, int $segmentNumber): array
     {
         foreach ($segments as $segment) {
             $segment->segmentkopf->segmentnummer = $segmentNumber;

vendor/nemiah/php-fints/lib/Fhp/Protocol/UnexpectedResponseException.php

@@ -8,7 +8,7 @@ namespace Fhp\Protocol;
  */
 class UnexpectedResponseException extends \RuntimeException
 {
-    public function __construct(string $message, int $code = 0, \Exception $previous = null)
+    public function __construct(string $message, int $code = 0, ?\Exception $previous = null)
     {
         parent::__construct($message, $code, $previous);
     }

vendor/nemiah/php-fints/lib/Fhp/Protocol/VopConfirmationRequiredException.php

@@ -0,0 +1,26 @@
+<?php
+/** @noinspection PhpUnused */
+
+namespace Fhp\Protocol;
+
+use Fhp\Model\VopConfirmationRequest;
+
+/**
+ * Thrown when an action result is read, but the action is still pending the user's confirmation of the Verification of
+ * Payee result.
+ */
+class VopConfirmationRequiredException extends \RuntimeException
+{
+    private VopConfirmationRequest $vopConfirmationRequest;
+
+    public function __construct(VopConfirmationRequest $vopConfirmationRequest)
+    {
+        parent::__construct('This action needs VOP confirmation before it will be executed.');
+        $this->vopConfirmationRequest = $vopConfirmationRequest;
+    }
+
+    public function getVopConfirmationRequest(): VopConfirmationRequest
+    {
+        return $this->vopConfirmationRequest;
+    }
+}