NAME

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

VERSION

This document describes version 0.382 of Finance::Bank::ID::Mandiri (from Perl distribution Finance-Bank-ID-Mandiri), released on 2019-05-13.

SYNOPSIS

If you just want to download banking statements, and you use Linux/Unix, you might want to use the download-mandiri 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::Mandiri;

    # FBI::Mandiri uses Log::ger. to show logs, use something like:
    use Log::ger::Output 'Screen';

    my $ibank = Finance::Bank::ID::Mandiri->new(
        username => '....', # optional if you're only using parse_statement()
        password => '....', # 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 used if not undef
            days       => 30,  # 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 Mandiri at https://ib.bankmandiri.co.id (henceforth IB). 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.

Aside from the above site for invididual accounts, there are also 2 other sites for corporate accounts: https://cms.bankmandiri.co.id/ecbanking/ (henceforth CMS) and https://mcm.bankmandiri.co.id/ (henceforth MCM). CMS is the older version and as of the end of Sept, 2010 has been discontinued.

This module currently can only login to IB and not CMS/MCM, but this module can parse statement page from all 3 sites. For CMS version, only text version [copy paste result] is currently supported and not HTML. For MCM, only semicolon format is currently supported.

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 a Log::Any-like object here. If not specified, this module will use a default logger.

  • logger_dump

    Optional. You can supply a Log::Any-like object here. This is just like logger but this module will log contents of response bodies here for debugging purposes. You can use with something like Log::Dispatch::Dir to save web pages more conveniently as separate files.

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()

check_balance([$acct])

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. If days is 1, then start date and end date will be the same.

  • start_date

    Optional. Default is end_date - 1 month, which seems to be the current limit set by the bank (for example, if end_date is 2013-03-08, then start_date will be set to 2013-02-08). If not set and days is set, will be set to 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).

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

Given the HTML 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 object, 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,
          branch      => STRING, # 4-digit branch/ATM code, only for MCM
        },
        # second transaction
        ...
    ]
 }

Returns:

 [$status, $err_details, $stmt]

$status is 200 if successful or some other 3-letter 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 (or used to) handle copy-pasted text from the GUI browser, but this is no longer documented or guaranteed to keep working.

FAQ

(2014) I'm getting error message: "Can't connect to ib.bankmandiri.co.id:443 at ..."

Try upgrading your IO::Socket::SSL. It stalls with IO::Socket::SSL version 1.76, but works with newer versions (e.g. 1.989).

HOMEPAGE

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

SOURCE

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

BUGS

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

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) 2019, 2017, 2016, 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.