aqbanking / ofx - account versus user

Martin Preuss martin at
Tue Jan 25 12:59:40 EST 2011


the current situation with user and account objects is the result of my 
experience with multiple online banking protocols.

A user (with his user id) is one subject of a banking session (e.g. the one 
initialising a dialog with the bank). The various OFX protocol settings are 
associated with this user id. This user can have multiple accounts at the same 
institution, which might all be accessible via the same user id.

It wouldn't make much sense to store the OFX protocol settings and user id 
needed to access the account with every account.

Besides: The OFX protocol settings (e.g. user id, application type and version 
etc) are required for the communication with the bank even at times when we 
don't have any account object at all (e.g. while initially pulling the account 
list from the bank server).

This is also the case with online banking protocols other than OFXDC, so it 
absolutely makes sense to have dedicated user and account objects.

Of course, there should be better documentation for the GUI dialogs... But 
since I encountered only a few users of the OFX DirectConnect backend so far 
working on the documentation of the setings of this particular protocol wasn't 
that high on my priority list ;-)


On Dienstag 25 Januar 2011, Paul Abrahams wrote:
> On Monday, January 24, 2011 11:01:47 pm Jessica Parsons wrote:
> > In some cases, a person may have more than one user account (in addition
> > to more than one actual monetary account) with the same institution, so
> > I believe the User/Account terminology is still appropriate.  However,
> > autofilling the institution information when a particular User is
> > selected in the Account Configuration could be a useful function, though
> > not essential.
> I'm not clear on the difference as you see it between a user account and a
> monetary account.  Nonetheless, I assume that both types of account are at
> a single institution, so the institution information would be in common
> and therefore would naturally be represented in the user/monetary account
> info by a link to the institution info.
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Martin Preuss -
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