perlancar

NAME

Finance::Bank::ID::BCA - Check your BCA accounts from Perl

VERSION

This document describes version 0.49 of Finance::Bank::ID::BCA (from Perl distribution Finance-Bank-ID-BCA), released on 2017-07-20.

SYNOPSIS

If you just want to download banking statements, and you use Linux/Unix, you might want to use the download-bca script instead of having to deal with this library directly.

If you want to use the library in your Perl application:

    use Finance::Bank::ID::BCA;

    # FBI::BCA uses Log::ger. to show logs to, for example, screen:
    use Log::ger::Output 'Screen';

    my $ibank = Finance::Bank::ID::BCA->new(
        username => 'ABCDEFGH1234', # opt if only using parse_statement()
        password => '123456',       # idem
        verify_https => 1,          # default is 0
        #https_ca_dir => '/etc/ssl/certs', # default is already /etc/ssl/certs
    );

    eval {
        $ibank->login(); # dies on error

        my @accts = $ibank->list_accounts();

        my $bal = $ibank->check_balance($acct); # $acct is optional

        my $stmt = $ibank->get_statement(
            account    => ..., # opt, default account will be used if undef
            days       => 31,  # opt
            start_date => DateTime->new(year=>2009, month=>10, day=>6),
                               # opt, takes precedence over 'days'
            end_date   => DateTime->today, # opt, takes precedence over 'days'
        );

        print "Transactions: ";
        for my $tx (@{ $stmt->{transactions} }) {
            print "$tx->{date} $tx->{amount} $tx->{description}\n";
        }
    };
    warn if $@;

    # remember to call this, otherwise you will have trouble logging in again
    # for some time
    $ibank->logout();

Utility routines:

    # parse HTML statement directly
    my $res = $ibank->parse_statement($html);

DESCRIPTION

This module provide a rudimentary interface to the web-based online banking interface of the Indonesian Bank Central Asia (BCA) at https://ibank.klikbca.com. You will need either Crypt::SSLeay or IO::Socket::SSL installed for HTTPS support to work (and strictly Crypt::SSLeay to enable certificate verification). WWW::Mechanize is required but you can supply your own mech-like object.

This module can only login to the retail/personal version of the site (KlikBCA perorangan) and not the corporate/business version (KlikBCA bisnis) as the later requires VPN and token input on login. But this module can parse statement page from both versions.

Warning: This module is neither offical nor is it tested to be 100% safe! Because of the nature of web-robots, everything may break from one day to the other when the underlying web interface changes.

WARNING

This warning is from Simon Cozens' Finance::Bank::LloydsTSB, and seems just as apt here.

This is code for online banking, and that means your money, and that means BE CAREFUL. You are encouraged, nay, expected, to audit the source of this module yourself to reassure yourself that I am not doing anything untoward with your banking data. This software is useful to me, but is provided under NO GUARANTEE, explicit or implied.

ERROR HANDLING AND DEBUGGING

Most methods die() when encountering errors, so you can use eval() to trap them.

Full response headers and bodies are dumped to a separate logger. See documentation on new() below and the sample script in examples/ subdirectory in the distribution.

ATTRIBUTES

METHODS

new(%args)

Create a new instance. %args keys:

  • username

    Optional if you are just using utility methods like parse_statement() and not login() etc.

  • password

    Optional if you are just using utility methods like parse_statement() and not login() etc.

  • mech

    Optional. A WWW::Mechanize-like object. By default this module instantiate a new Finance::BankUtils::ID::Mechanize (a WWW::Mechanize subclass) object to retrieve web pages, but if you want to use a custom/different one, you are allowed to do so here. Use cases include: you want to retry and increase timeout due to slow/unreliable network connection (using WWW::Mechanize::Plugin::Retry), you want to slow things down using WWW::Mechanize::Sleepy, you want to use IE engine using Win32::IE::Mechanize, etc.

  • verify_https

    Optional. If you are using the default mech object (see previous option), you can set this option to 1 to enable SSL certificate verification (recommended for security). Default is 0.

    SSL verification will require a CA bundle directory, default is /etc/ssl/certs. Adjust https_ca_dir option if your CA bundle is not located in that directory.

  • https_ca_dir

    Optional. Default is /etc/ssl/certs. Used to set HTTPS_CA_DIR environment variable for enabling certificate checking in Crypt::SSLeay. Only used if verify_https is on.

  • logger

    Optional. You can supply any object that responds to trace(), debug(), info(), warn(), error(), or fatal() here. If not specified, this module will use a default logger.

  • logger_dump

    Optional. This is just like logger but this module will log contents of response here instead of to logger for debugging purposes. You can configure something like Log::ger::Output::DirWriteRotate to save web pages more conveniently as separate files. If unspecified, the default logger is used (same as logger).

login()

Login to the net banking site. You actually do not have to do this explicitly as login() is called by other methods like check_balance() or get_statement().

If login is successful, logged_in will be set to true and subsequent calls to login() will become a no-op until logout() is called.

Dies on failure.

logout()

Logout from the net banking site. You need to call this at the end of your program, otherwise the site will prevent you from re-logging in for some time (e.g. 10 minutes).

If logout is successful, logged_in will be set to false and subsequent calls to logout() will become a no-op until login() is called.

Dies on failure.

list_accounts()

Return an array containing all account numbers that are associated with the current net banking login.

check_balance([$account])

Return balance for specified account, or the default account if $account is not specified.

get_statement(%args) => $stmt

Get account statement. %args keys:

  • account

    Optional. Select the account to get statement of. If not specified, will use the already selected account.

  • days

    Optional. Number of days between 1 and 31. If days is 1, then start date and end date will be the same. Default is 31.

  • start_date

    Optional. Default is end_date - days.

  • end_date

    Optional. Default is today (or some 1+ days from today if today is a Saturday/Sunday/holiday, depending on the default value set by the site's form).

See parse_statement() on structure of $stmt.

parse_statement($html, %opts) => $res

Given the HTML text of the account statement results page, parse it into structured data:

 $stmt = {
    start_date     => $start_dt, # a DateTime object
    end_date       => $end_dt,   # a DateTime object
    account_holder => STRING,
    account        => STRING,    # account number
    currency       => STRING,    # 3-digit currency code
    transactions   => [
        # first transaction
        {
          date        => $dt,  # a DateTime obj, book date ("tanggal pembukuan")
          seq         => INT,  # a number >= 1 which marks the sequence of
                               # transactions for the day
          amount      => REAL, # a real number, positive means credit (deposit),
                               # negative means debit (withdrawal)
          description => STRING,
          is_pending  => BOOL,
          branch      => STRING, # a 4-digit branch/ATM code
          balance     => REAL,
        },
        # second transaction
        ...
    ]
 }

Returns:

 [$status, $err_details, $stmt]

$status is 200 if successful or some other 3-digit code if parsing failed. $stmt is the result (structure as above, or undef if parsing failed).

Options:

  • return_datetime_obj => BOOL

    Default is true. If set to false, the method will return dates as strings with this format: 'YYYY-MM-DD HH::mm::SS' (produced by DateTime->dmy . ' ' . DateTime->hms). This is to make it easy to pass the data structure into YAML, JSON, MySQL, etc. Nevertheless, internally DateTime objects are still used.

Additional notes:

The method can also handle some copy-pasted text from the GUI browser, but this is no longer documented or guaranteed to keep working.

HOMEPAGE

Please visit the project's homepage at https://metacpan.org/release/Finance-Bank-ID-BCA.

SOURCE

Source repository is at https://github.com/perlancar/perl-Finance-Bank-ID-BCA.

BUGS

Please report any bugs or feature requests on the bugtracker website https://rt.cpan.org/Public/Dist/Display.html?Name=Finance-Bank-ID-BCA

When submitting a bug or request, please include a test-file or a patch to an existing test-file that illustrates the bug or desired feature.

AUTHOR

perlancar <perlancar@cpan.org>

COPYRIGHT AND LICENSE

This software is copyright (c) 2017, 2015, 2014, 2013, 2012, 2011, 2010 by perlancar@cpan.org.

This is free software; you can redistribute it and/or modify it under the same terms as the Perl 5 programming language system itself.