data
014a943f78
- HKEKA v3/v4/v5 Segmente fuer phpFinTS implementiert (VR Bank unterstuetzt kein HKEKP) - GetElectronicStatement Action mit Base64-Erkennung und Quittungscode - PDF-Deduplizierung per MD5 (Bank sendet identische Saldenmitteilungen) - Saldenmitteilungen ohne Auszugsnummer werden uebersprungen - Datums-Validierung: 30.02. (Bank-Konvention) wird auf 28.02. korrigiert - Numerische Sortierung fuer statement_number (CAST statt String-Sort) - Jahr-Filter: statement_year=0 ausgeschlossen - Menue/Button: "Kontoauszuege" -> "Umsaetze" (statements.php zeigt MT940, nicht PDFs) - Redirect nach FinTS-Abruf auf aktuelles Jahr statt year=0 Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>
114 lines
4.5 KiB
PHP
Executable file
114 lines
4.5 KiB
PHP
Executable file
<?php
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namespace Fhp\Action;
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use Fhp\BaseAction;
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use Fhp\Model\SEPAAccount;
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use Fhp\Protocol\BPD;
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use Fhp\Protocol\Message;
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use Fhp\Protocol\UnexpectedResponseException;
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use Fhp\Protocol\UPD;
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use Fhp\Segment\Common\Kti;
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use Fhp\Segment\HIRMS\Rueckmeldung;
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use Fhp\Segment\HIRMS\Rueckmeldungscode;
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use Fhp\Segment\IPZ\HIIPZSv1;
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use Fhp\Segment\IPZ\HIIPZSv2;
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use Fhp\Segment\IPZ\HKIPZv2;
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use Fhp\Segment\SPA\HISPAS;
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use Fhp\Syntax\Bin;
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use Fhp\UnsupportedException;
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/**
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* Initiates an outgoing realtime transfer in SEPA format (PAIN XML).
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*/
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class SendSEPARealtimeTransfer extends BaseAction
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{
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/** @var SEPAAccount */
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private $account;
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/** @var string */
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private $painMessage;
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/** @var string */
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private $xmlSchema;
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private bool $allowConversionToSEPATransfer = true;
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/**
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* @param SEPAAccount $account The account from which the transfer will be sent.
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* @param string $painMessage An XML-formatted ISO 20022 message. You may want to use github.com/nemiah/phpSepaXml
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* to create this.
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* @param bool $allowConversionToSEPATransfer If instant payment ist not possible, allow the bank to send as a regular transfer instead
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* @return SendSEPARealtimeTransfer A new action for executing this the given PAIN message.
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*/
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public static function create(SEPAAccount $account, string $painMessage, bool $allowConversionToSEPATransfer = true): SendSEPARealtimeTransfer
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{
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if (preg_match('/xmlns="(.*?)"/', $painMessage, $match) === false) {
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throw new \InvalidArgumentException('xmlns not found in the PAIN message');
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}
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$result = new SendSEPARealtimeTransfer();
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$result->account = $account;
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$result->painMessage = $painMessage;
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$result->xmlSchema = $match[1];
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$result->allowConversionToSEPATransfer = $allowConversionToSEPATransfer;
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return $result;
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}
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/** {@inheritdoc} */
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protected function createRequest(BPD $bpd, ?UPD $upd)
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{
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/** @var HIIPZSv1|HIIPZSv2 $hiipzs */
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$hiipzs = $bpd->requireLatestSupportedParameters('HIIPZS');
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$supportedSchemas = $hiipzs->parameter->getUnterstuetzteSEPADatenformate();
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// If there are no SEPA formats available in the HIIPZS Parameters, we look to the general formats
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if (is_null($supportedSchemas)) {
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/** @var HISPAS $hispas */
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$hispas = $bpd->requireLatestSupportedParameters('HISPAS');
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$supportedSchemas = $hispas->getParameter()->getUnterstuetzteSEPADatenformate();
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}
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// Sometimes the Bank reports supported schemas with a "_GBIC_X" postfix.
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// GIBC_X stands for German Banking Industry Committee and a version counter.
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$xmlSchema = $this->xmlSchema;
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$matchingSchemas = array_filter($supportedSchemas, function($value) use ($xmlSchema) {
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// For example urn:iso:std:iso:20022:tech:xsd:pain.001.001.09 from the xml matches
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// urn:iso:std:iso:20022:tech:xsd:pain.001.001.09_GBIC_4
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return str_starts_with($value, $xmlSchema);
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});
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if (count($matchingSchemas) === 0) {
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throw new UnsupportedException("The bank does not support the XML schema $this->xmlSchema, but only "
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. implode(', ', $supportedSchemas));
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}
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/** @var HKIPZv1|HKIPZv2 $hkipz */
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$hkipz = $hiipzs->createRequestSegment();
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$hkipz->kontoverbindungInternational = Kti::fromAccount($this->account);
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$hkipz->sepaDescriptor = $this->xmlSchema;
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$hkipz->sepaPainMessage = new Bin($this->painMessage);
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if ($hiipzs instanceof HIIPZSv2) {
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$hkipz->umwandlungNachSEPAUeberweisungZulaessig = $hiipzs->parameter->umwandlungNachSEPAUeberweisungZulaessigErlaubt && $this->allowConversionToSEPATransfer;
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}
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return $hkipz;
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}
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/** {@inheritdoc} */
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public function processResponse(Message $response)
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{
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parent::processResponse($response);
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// Was the instant payment converted to a regular transfer?
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$info = $response->findRueckmeldungen(3270);
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if (count($info) > 0) {
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$this->successMessage = implode("\n", array_map(function (Rueckmeldung $rueckmeldung) {
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return $rueckmeldung->rueckmeldungstext;
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}, $info));
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return;
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}
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if ($response->findRueckmeldung(Rueckmeldungscode::ENTGEGENGENOMMEN) === null &&
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$response->findRueckmeldung(Rueckmeldungscode::AUSGEFUEHRT) === null) {
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throw new UnexpectedResponseException('Bank did not confirm SEPATransfer execution');
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}
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}
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}
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