I was wondering if it's possiible to write a program that can retrieve someone's bank account update from Nigerian banks database.

interswitch already do that. but what is the scope of what u want to do?

databases already allow ppl to connect. but u might be talking about bank applications which usually interface via iso8583.

I mean an API that will allow me to query my own (or any other person's, provided i can supply the needed/required ID and password) bank account from the program/web app that i will like to write. Sort of google/yahoo API that allow you to query a particular part of their map system.

I was thinking about an application that will display a ticker on the desktop which will be updated on a realtime basis.

@joftech, [glow=red,0,10]hahahahahaha!!![/glow] wetin you won do with another person akaterian?  Banks would not be stupid to publish their API on the internet.  Even by mistake you had come across such API, to access some object and call up a function say transfer balance etc, that process MUST be a local process known to the Enterprise Application.

If the process is running on a different Enterprise Application, the security settings will not let your request go beyond some switches and routers.  Mind you Enterprise Architecture is very different.  A Bank may hold there DB in Scotland, their Enterprise Server in London, All their middleware in another location.  All these is to help with network fault tolerant and virus.

If you are looking for google/yahoo API, I think google has it API here, but not banks.

To query your bank account, you need to login to your online bank website, if you bank has one.  Alternatively, you could use 24hrs banking telephone service if your bank provides one.  The last one is to visit your branch and ask a cashier to help you query your account.  Then again there is this last one, which I will not recommend to take a gun and visit your branch.

@joftech, hahahahahaha!!! wetin you won do with another person akaterian?

Did you bother to read my posts properly at all.

Thank God you said i can use their website to do my query good. What i simply want to do is to use those set of username and password to tunnel to their network simply to retrieve my own and only my own account information. At least there's a way they made it impossiible for me to view other's account on their website.

I wasjust imagining something of that nature cos there's an idea i was thinking about, i can't disclose it though (it's a trade secret).

@joftech, you can NOT issue queries to your bank.  The quries are already provided for you. i.e.

1. check balance
2. transfer fund
3. cancel standing order
4. make a payment

etc..

But tell me, why have your username and passwd send over unsecure HTTP to just authenticate your details on an online application like online banking?  Online banks don't use HTTP/HTTPS to get your details. They use RMI/RPC

Sorry I misunderstood ur question.  It doesn't worth the application.  Using tunnelling application would not be a good idea.  I once had an idea of a project I wanted to do.  It was something to do with HTTP/HTTPS authentication from a remote server using tunnelling as my transport protocol, but I soon abandoned it.

sbucareer:


from you point of view, let me have a clear definition and examples of what an API is


thanks

larry

i actually seem to disagree with my programming mentor sbucareer

i do believe banks have an api

bt u must be trusted that's why they give respected coys like interswitch

i feel ur project bt for u to get access u need to gain trust

as a dba, all i need to do is create an account for u and give u port no etc
bt then u could cos damage, so u see y trust is important

id say float a coy

@sbucareer how do i create an sms portal
im also workin on a project

sbucareer:

Online banks don't use HTTP/HTTPS to get your details. They use RMI/RPC

Really, why use interprocess communication to interact with a web client; or are you talking about the bank HTTP server interaction with bank application engine?

OMo the strength and intricacies of the argument here are pawaful O. Infact I totally respect. There's just one more thing i guess we need, simple words , the simper you're the better we all can understand.

Keep on with the talk, i dey 4 background.

blah blah blah

@sbucareer,

what are you trying to achieve: API connection possible with adequate SSL security.

Full agree with you!

You are looking for a financial data aggregator.

Several companies across the world operate as financial data aggregator and expose an API to be used programatically within your application, so that you do not need to integrate with each and every bank API. We are developing the world's first School Management Software, School Time [url] http://www.school-time.co [/url], which will be using one of such APIs, to allow schools automatically download their financial transactions into School Time. No more book keeping and manual entry.

We are exploring services from likes of Yodlee. However, their API access is expensive.

For automated transactions APIs are needed from Nigeria banks

I think the primary architecture behind banks is the security. It will be extremely unwise for a bank to make their internal API's public.

Banks have an API. I have consume one before while working for a loan shark organization. I am sure there are a lot of paper work involved.

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alexmbachu2:
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08037471837....add me up fellas..let's talk pls

joftech:
I was wondering if it's possiible to write a program that can retrieve someone's bank account update from Nigerian banks database.

Check www.paystack.com

They have some nice APIs

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This scenario depends on whether the bank uses an open banking API or not. However, open banking APIs could be beneficial for quick innovation and personalized offers. Although you can consider reading this thorough article https://geniusee.com/single-blog/core-open-apis-for-banking about open banking APIs but if I share leading banks and financial services that are already using such APIs then you will find many renowned names here. Indeed, PayPal, Fidor Bank, and OnDeck Capital are already using open banking APIs for different tech stacks.

Similarly, if you are in search of open banking APIs then you should consider Dapi, Moneyhub Open Finance, and Brex. However, I don't think that banks would provide single detail about their data. Because such financial institutes always keep the data secure.