EBICS Server

Complete EBICS banking server implementation for financial institutions.

The fourbics Server enables financial institutions to offer EBICS connectivity to their corporate customers. It provides a robust, scalable, and compliant solution for processing EBICS requests.

Key Features

Full EBICS 3.0.2 Compliance - Complete implementation of the EBICS specification
Multi-Tenant Architecture - Serve multiple banks or business units
High Availability - Designed for 24/7 operation with failover support
Comprehensive Audit Logging - Full traceability for regulatory compliance
Flexible Integration - Connect to core banking systems via APIs
VEU Support - Distributed electronic signature workflows

Architecture Overview

┌──────────────────────────────────────────────────────────────┐
│                    EBICS Server Architecture                 │
├──────────────────────────────────────────────────────────────┤
│                                                              │
│  ┌─────────────┐    ┌─────────────┐    ┌─────────────┐       │
│  │   Client    │    │   Client    │    │   Client    │       │
│  │  (Company)  │    │  (Company)  │    │  (Company)  │       │
│  └──────┬──────┘    └──────┬──────┘    └──────┬──────┘       │
│         │                  │                  │              │
│         └──────────────────┼──────────────────┘              │
│                            │                                 │
│                            ▼                                 │
│  ┌──────────────────────────────────────────────────────┐    │
│  │                   Load Balancer                      │    │
│  │                   (TLS Termination)                  │    │
│  └─────────────────────────┬────────────────────────────┘    │
│                            │                                 │
│         ┌──────────────────┼──────────────────┐              │
│         ▼                  ▼                  ▼              │
│  ┌─────────────┐    ┌─────────────┐    ┌─────────────┐       │
│  │   Server    │    │   Server    │    │   Server    │       │
│  │  Instance   │    │  Instance   │    │  Instance   │       │
│  └──────┬──────┘    └──────┬──────┘    └──────┬──────┘       │
│         │                  │                  │              │
│         └──────────────────┼──────────────────┘              │
│                            │                                 │
│                            ▼                                 │
│  ┌──────────────────────────────────────────────────────┐    │
│  │              Shared Services Layer                   │    │
│  │  ┌─────────┐  ┌─────────┐  ┌─────────┐  ┌────────┐   │    │
│  │  │Database │  │  Redis  │  │  Queue  │  │  HSM   │   │    │
│  │  │ (MySQL) │  │ (Cache) │  │(Workers)│  │(Keys)  │   │    │
│  │  └─────────┘  └─────────┘  └─────────┘  └────────┘   │    │
│  └──────────────────────────────────────────────────────┘    │
│                                                              │
└──────────────────────────────────────────────────────────────┘

Core Components

Request Handler

Processes incoming EBICS requests:

XML validation against EBICS schemas
Authentication signature verification
Request routing to appropriate handler
Response generation and signing

Key Management

Secure handling of cryptographic keys:

Bank key pair generation and storage
Subscriber key registration and verification
Key state management (New, Active, Revoked)
HSM integration for production environments

Order Processing

Business transaction handling:

Upload order validation and storage
Download order data retrieval
VEU queue management
Integration with core banking systems

Audit System

Comprehensive logging for compliance:

All EBICS requests and responses
Key management operations
Order processing events
Security-relevant actions

Supported Order Types

Key Management

Order Type	Description
HEV	EBICS Version Query
INI	Subscriber Key Initialization
HIA	Auth/Encryption Key Initialization
HPB	Bank Key Distribution
PUB	Signature Key Update
HCA	Auth/Encryption Key Update
HCS	All Keys Update
SPR	Subscriber Suspension

Administrative

Order Type	Description
HTD	Subscriber Information
HKD	Customer Information
HAA	Available Order Types
HPD	Bank Parameters

Business Transactions

Order Type	Description
BTU	Business Transaction Upload
BTD	Business Transaction Download
FUL	File Upload (Legacy)
FDL	File Download (Legacy)

VEU (Distributed Signatures)

Order Type	Description
HVU/HVZ	VEU Overview
HVD	VEU Order Details
HVT	VEU Transaction Details
HVE	Add VEU Signature
HVS	Cancel VEU Order

Getting Started

Compliance

The fourbics Server is designed for regulatory compliance:

EBICS 3.0.2 - Full specification compliance
PSD2 - Payment Services Directive support
GDPR - Data protection by design
ISO 27001 - Security best practices

Integration

Connect to your existing infrastructure:

Core Banking - REST/SOAP APIs for order processing
HSM - Hardware Security Module for key storage
SIEM - Security event forwarding
Monitoring - Prometheus/Grafana metrics