├── .gitignore ├── LICENSE ├── README.md ├── aispdemo ├── index.js └── package.json └── pispdemo ├── index.js └── package.json /.gitignore: -------------------------------------------------------------------------------- 1 | # Logs 2 | logs 3 | *.log 4 | npm-debug.log* 5 | yarn-debug.log* 6 | yarn-error.log* 7 | 8 | # Runtime data 9 | pids 10 | *.pid 11 | *.seed 12 | *.pid.lock 13 | 14 | # Directory for instrumented libs generated by jscoverage/JSCover 15 | lib-cov 16 | 17 | # Coverage directory used by tools like istanbul 18 | coverage 19 | 20 | # nyc test coverage 21 | .nyc_output 22 | 23 | # Grunt intermediate storage (http://gruntjs.com/creating-plugins#storing-task-files) 24 | .grunt 25 | 26 | # Bower dependency directory (https://bower.io/) 27 | bower_components 28 | 29 | # node-waf configuration 30 | .lock-wscript 31 | 32 | # Compiled binary addons (https://nodejs.org/api/addons.html) 33 | build/Release 34 | 35 | # Dependency directories 36 | node_modules/ 37 | jspm_packages/ 38 | 39 | # TypeScript v1 declaration files 40 | typings/ 41 | 42 | # Optional npm cache directory 43 | .npm 44 | 45 | # Optional eslint cache 46 | .eslintcache 47 | 48 | # Optional REPL history 49 | .node_repl_history 50 | 51 | # Output of 'npm pack' 52 | *.tgz 53 | 54 | # Yarn Integrity file 55 | .yarn-integrity 56 | 57 | # dotenv environment variables file 58 | .env 59 | 60 | # next.js build output 61 | .next 62 | 63 | # vscode files 64 | .vscode 65 | -------------------------------------------------------------------------------- /LICENSE: -------------------------------------------------------------------------------- 1 | Apache License 2 | Version 2.0, January 2004 3 | http://www.apache.org/licenses/ 4 | 5 | TERMS AND CONDITIONS FOR USE, REPRODUCTION, AND DISTRIBUTION 6 | 7 | 1. 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We also recommend that a 185 | file or class name and description of purpose be included on the 186 | same "printed page" as the copyright notice for easier 187 | identification within third-party archives. 188 | 189 | Copyright [yyyy] [name of copyright owner] 190 | 191 | Licensed under the Apache License, Version 2.0 (the "License"); 192 | you may not use this file except in compliance with the License. 193 | You may obtain a copy of the License at 194 | 195 | http://www.apache.org/licenses/LICENSE-2.0 196 | 197 | Unless required by applicable law or agreed to in writing, software 198 | distributed under the License is distributed on an "AS IS" BASIS, 199 | WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, either express or implied. 200 | See the License for the specific language governing permissions and 201 | limitations under the License. 202 | -------------------------------------------------------------------------------- /README.md: -------------------------------------------------------------------------------- 1 | | :warning: Deprecation Notice | 2 | |-----------------------------| 3 | | This repository is deprecated and is no longer maintained. | 4 | | Please refer to the [documentation](https://enablebanking.com/docs/) for the relevant information. | 5 | | It is advised to use [Enable Banking API](https://enablebanking.com/docs/api/reference/) for Open Banking integrations | 6 | 7 | # OpenBankingJSExamples 8 | 9 | Sample JavaScript code showing how to use Open banking APIs (PSD2 AISP & PISP) using 10 | [enable:Banking JS library](https://enablebanking.com/docs/sdk?javascript). 11 | 12 | This repository contains 2 independent code samples: 13 | 14 | - [aispdemo](/aispdemo) - retrieving account information (user authentication & consent for account information -> list of 15 | accounts -> list of transactions) 16 | - [pispdemo](/pispdemo) - authenticating user and getting account information consent, retrieving list of account and 17 | transferring money from one account to the other own account (payment confirmation is done using bank's web UI) 18 | 19 | # AISP demo 20 | 21 | The code contains sample settings for [Nordea](https://enablebanking.com/docs/sdk/latest/#nordeaconnectorsettings-type) and 22 | [Swedbank](https://enablebanking.com/docs/sdk/latest/#swedbankconnectorsettings-type) sandbox connectors, but can be used with 23 | the other connectors as well. In order to run the sample code you need to obtain own sandbox credentials; for the instructions 24 | please refer to the [connectors documentation](https://enablebanking.com/docs/sdk/latest/#connectors-types). 25 | 26 | # PISP demo 27 | 28 | The code uses `SPankki` connector and gets access to [S-Pankki](https://www.s-pankki.fi/)'s open banking sandbox. In order to 29 | run the demo you need to use own credentials (including test eIDAS certificates), which can be obtained after signing up to 30 | [Crosskey Open Banking Market](https://crosskey.io/) (Crosskey is the vendor of open banking APIs for S-Pankki). 31 | 32 | ---- 33 | 34 | **Please note** that enablebanking is not open-source software and is **not available in general 35 | [npm repository](https://www.npmjs.com/)**, so please contact us at [hello@enablebanking.com](mailto:hello@enablebanking.com) 36 | if you want to use it. 37 | -------------------------------------------------------------------------------- /aispdemo/index.js: -------------------------------------------------------------------------------- 1 | 'use strict'; 2 | 3 | const enablebanking = require('enablebanking'); 4 | const readline = require('readline'); 5 | 6 | 7 | const REDIRECT_URL = "https://enablebanking.com/auth_redirect" // PUT YOUR REDIRECT URI HERE 8 | const CONNECTOR_NAME = "Nordea" 9 | const CONNECTOR_COUNTRY = "FI" 10 | /** 11 | * Bank connector specific settings 12 | */ 13 | const CONNECTOR_SETTINGS = { 14 | sandbox: true, 15 | consentId: null, 16 | accessToken: null, 17 | redirectUri: REDIRECT_URL, 18 | country: CONNECTOR_COUNTRY, 19 | clientId: "client_id", // API Client ID 20 | clientSecret: "client_secret", // API Client Secret 21 | signKeyPath: "/path/to/private.key", // Path or URI to QSeal private key in PEM format 22 | language: null 23 | } 24 | 25 | const readRedirectUrl = async (url, redirectUrl) => { 26 | console.log(`Please, open this page in browser: ${url}`) 27 | console.log("Log in, authenticate and copy/paste back the URL where you got redirected.") 28 | return input(`URL (starts with ${redirectUrl}): `) 29 | } 30 | 31 | const input = async (query) => { 32 | const rl = readline.createInterface({ 33 | input: process.stdin, 34 | output: process.stdout, 35 | }); 36 | 37 | return new Promise(resolve => rl.question(query, ans => { 38 | rl.close(); 39 | resolve(ans); 40 | })) 41 | } 42 | 43 | function sleep(seconds) { 44 | return new Promise(resolve => setTimeout(resolve, seconds * 1000)); 45 | } 46 | 47 | const getConnectorMeta = async (connectorName, connectorCountry) => { 48 | const metaApi = new enablebanking.MetaApi(enablebanking.ApiClient()) 49 | for (const conn of (await metaApi.getConnectors({ country: connectorCountry })).connectors) { 50 | if (conn.name == connectorName) { 51 | return conn 52 | } 53 | } 54 | throw new Error("Meta not found") 55 | }; 56 | 57 | async function main() { 58 | const apiMeta = await getConnectorMeta(CONNECTOR_NAME, CONNECTOR_COUNTRY); 59 | const apiClient = new enablebanking.ApiClient(CONNECTOR_NAME, CONNECTOR_SETTINGS); 60 | const authApi = new enablebanking.AuthApi(apiClient); 61 | const clientInfo = new enablebanking.ClientInfo(); 62 | const connectorPsuHeaders = apiMeta.requiredPsuHeaders; 63 | if (connectorPsuHeaders.includes('psuIpAddress')) { 64 | clientInfo.psuIpAddress = '10.10.10.10' 65 | } 66 | if (connectorPsuHeaders.includes('psuUserAgent')) { 67 | clientInfo.psuUserAgent = 'Mozilla/5.0 (Macintosh; Intel Mac OS X 10_14_5) AppleWebKit/605.1.15 (KHTML, like Gecko) Version/12.1.1 Safari/605.1.15' 68 | } 69 | await authApi.setClientInfo({ clientInfo: clientInfo }) 70 | 71 | const validUntil = new Date() 72 | const days = 89 73 | validUntil.setDate(validUntil.getDate() + days) 74 | const access = new enablebanking.Access({ 75 | validUntil: validUntil 76 | }); 77 | 78 | const getAuthParams = { state: "test" } 79 | if (apiMeta.authInfo[0].info.access) { 80 | getAuthParams.access = access 81 | } 82 | if (apiMeta.authInfo[0].info.credentials) { 83 | const credentials = []; 84 | for (const cred of apiMeta.authInfo[0].info.credentials) { 85 | credentials.push(await input(`Please enter ${cred.title}:`)) // obtain data in `cred` and push appropriate credential 86 | } 87 | getAuthParams.credentials = credentials; 88 | } 89 | const authResponse = await authApi.getAuth(getAuthParams) 90 | 91 | let makeTokenResponse 92 | if (authResponse.url) { 93 | // if url is returned, then we are doing redirect flow 94 | const redirectedUrl = await readRedirectUrl(authResponse.url, REDIRECT_URL) 95 | const queryParams = await authApi.parseRedirectUrl(redirectedUrl) 96 | console.log(`Parsed query: ${queryParams}`) 97 | makeTokenResponse = await authApi.makeToken( 98 | "authorization_code", 99 | queryParams.code, 100 | { authEnv: authResponse.env } 101 | ) 102 | } else { 103 | // decoupled flow 104 | // Doing a retry to check periodically whether user has already authorized a consent 105 | const sleepTime = 3 106 | for (let i = 0; i < 10; i++) { 107 | try { 108 | makeTokenResponse = await authApi.makeToken( 109 | "authorization_code", 110 | "", 111 | { authEnv: authResponse.env } 112 | ) 113 | break 114 | } catch (err) { 115 | if (err instanceof enablebanking.errors.MakeTokenError) { 116 | if (err.retry) { 117 | console.log(`Not ready, retrying in ${sleepTime} seconds`) 118 | await sleep(sleepTime) 119 | continue 120 | } 121 | } 122 | console.error(err) 123 | throw err 124 | } 125 | } 126 | } 127 | 128 | console.log(`Token is: ${makeTokenResponse}`) 129 | 130 | // apiClient has already accessToken and refreshTOken applied after call to makeToken() 131 | const aispApi = new enablebanking.AISPApi(apiClient) 132 | if (apiMeta.modifyConsentsInfo[0].info.beforeAccounts) { 133 | const consent = await aispApi.modifyConsents({ access: access }) 134 | console.log(`Consent: ${consent}`); 135 | try { 136 | const consentUrl = consent._links.redirect.href; 137 | const redirectUrl = await readRedirectUrl(consentUrl, REDIRECT_URL) 138 | console.log(`Redirect url: ${redirectUrl}`); 139 | } catch (err) { 140 | console.error(err); 141 | throw err; 142 | } 143 | } 144 | 145 | const accounts = await aispApi.getAccounts(); 146 | console.log(accounts); 147 | 148 | if (apiMeta.modifyConsentsInfo[0].info.accountsRequired) { 149 | const accountIds = getAccountsResult.accounts.map((el) => new enablebanking.AccountIdentification({ iban: el.accountId.iban })); 150 | access.accounts = accountIds; 151 | const consent = await aispApi.modifyConsents({ access: access }) 152 | console.log(`Consent: ${consent}`); 153 | try { 154 | const consentUrl = consent._links.redirect.href; 155 | const redirectUrl = await readRedirectUrl(consentUrl, REDIRECT_URL) 156 | console.log(`Redirect url: ${redirectUrl}`); 157 | } catch (err) { 158 | console.error(err); 159 | throw err; 160 | } 161 | } 162 | for (const account of accounts.accounts) { 163 | let transactions = await aispApi.getAccountTransactions(account.resourceId) 164 | console.log(`Transactions info: ${transactions}`) 165 | let balances = await aispApi.getAccountTransactions(account.resourceId) 166 | console.log(`Balances info: ${balances}`) 167 | } 168 | }; 169 | 170 | main().then(function () { 171 | console.log("All done!") 172 | }); 173 | -------------------------------------------------------------------------------- /aispdemo/package.json: -------------------------------------------------------------------------------- 1 | { 2 | "name": "aispdemo", 3 | "version": "1.0.0", 4 | "description": "AISP demo project", 5 | "main": "index.js", 6 | "scripts": { 7 | "test": "echo \"Error: no test specified\" && exit 1" 8 | }, 9 | "keywords": [ 10 | "open", 11 | "banking", 12 | "aisp" 13 | ], 14 | "author": "Fedor Tyurin", 15 | "license": "ISC", 16 | "dependencies": { 17 | "enablebanking": "file:enablebanking.tgz" 18 | } 19 | } 20 | -------------------------------------------------------------------------------- /pispdemo/index.js: -------------------------------------------------------------------------------- 1 | 'use strict'; 2 | 3 | const readline = require('readline'); 4 | const url = require('url'); 5 | 6 | const enablebanking = require('enablebanking'); 7 | 8 | /** 9 | * Helper function for reading one line from stdin 10 | */ 11 | async function readLine() { 12 | const rl = readline.createInterface({ 13 | input: process.stdin, 14 | output: process.stdout 15 | }); 16 | return new Promise((res, rej) => { 17 | rl.on('line', (line) => { rl.close(); res(line) }); }); 18 | }; 19 | 20 | /** 21 | * Bank connector specific settings 22 | */ 23 | const spankkiSettings = { 24 | sandbox: true, 25 | consentId: null, 26 | accessToken: null, 27 | clientId: "!!! CLIENT ID TO BE INSERTED HERE !!!", 28 | xApiKey: "!!! X API KEY TO BE INSERTED HERE !!!", 29 | certPath: "wac.crt", // path to QWAC certificate 30 | keyPath: "wac.key", // path to QWAC private key 31 | signKeyPath: "seal.key", // path to Qseal private key 32 | signPubKeySerial: "!!! QSEAL KID TO BE INSERTED HERE !!!", // Qseal kid 33 | paymentAuthRedirectUri: "https://enablebanking.com/", 34 | redirectUri: "https://enablebanking.com/", 35 | paymentAuthState: null 36 | }; 37 | 38 | const apiClient = new enablebanking.ApiClient('SPankki', spankkiSettings); 39 | const authApi = new enablebanking.AuthApi(apiClient); 40 | const aispApi = new enablebanking.AISPApi(apiClient); 41 | const pispApi = new enablebanking.PISPApi(apiClient); 42 | 43 | async function main() { 44 | const auth = await authApi.getAuth( 45 | { state: "test" } 46 | ); 47 | console.log("Authentication URL:", auth.url); 48 | console.log("Please enter URL where you've been redirected to after authentication:"); 49 | const redirect = await readLine(); 50 | const redirectURL = url.parse(redirect.replace("#", "?") /* because code in hash */, true); 51 | const token = await authApi.makeToken( 52 | "authorization_code", 53 | redirectURL.query.code 54 | ); 55 | console.log("Bearer access token:", token.access_token); 56 | 57 | const halAccounts = await aispApi.getAccounts(); 58 | 59 | console.log("Making payment request from account", halAccounts.accounts[0].accountId.iban); 60 | const paymentRequest = { 61 | debtorAccount: { 62 | iban: halAccounts.accounts[0].accountId.iban // transferring money from this account 63 | }, 64 | creditTransferTransaction: [{ 65 | instructedAmount: { 66 | currency: 'EUR', 67 | amount: '12.3' 68 | }, 69 | beneficiary: { 70 | creditor: { 71 | name: 'Creditor Name' 72 | }, 73 | creditorAccount: { 74 | iban: halAccounts.accounts[1].accountId.iban // to own account 75 | }, 76 | }, 77 | remittanceInformation: ["Some message"] 78 | }] 79 | }; 80 | const halPRCreation = await pispApi.makePaymentRequest(paymentRequest); 81 | console.log("Payment request id:", halPRCreation.paymentRequestResourceId); 82 | console.log( 83 | "Payment request authentication approach:", 84 | halPRCreation.appliedAuthenticationApproach); 85 | console.log("Payment authorization URL:", halPRCreation._links.consentApproval.href); 86 | console.log("Please enter URL where you've been redirected to after authorization:"); 87 | const paymentRedirect = await readLine(); 88 | const paymentRedirectURL = url.parse( 89 | paymentRedirect.replace("#", "?") /* because code in hash */, true); 90 | const halPR = await pispApi.makePaymentRequestConfirmation( 91 | halPRCreation.paymentRequestResourceId, 92 | { 93 | confirmation: { 94 | psuAuthenticationFactor: paymentRedirectURL.query.code 95 | } 96 | }); 97 | console.log("Payment request data:", halPR); 98 | }; 99 | 100 | main().then(function() { 101 | console.log("All done!"); 102 | }); 103 | -------------------------------------------------------------------------------- /pispdemo/package.json: -------------------------------------------------------------------------------- 1 | { 2 | "name": "pispdemo", 3 | "version": "1.0.0", 4 | "description": "PISP demo project", 5 | "main": "index.js", 6 | "scripts": { 7 | "test": "echo \"Error: no test specified\" && exit 1" 8 | }, 9 | "keywords": [ 10 | "open", 11 | "banking", 12 | "pisp" 13 | ], 14 | "author": "Fedor Tyurin", 15 | "license": "ISC", 16 | "dependencies": { 17 | "enablebanking": "file:enablebanking.tgz" 18 | } 19 | } 20 | --------------------------------------------------------------------------------