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enable-banking-sweden

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Translation

Chinese

Enable Banking Sweden

Enable Banking瑞典专属功能

Overview

概述

Use this skill for Swedish Open Banking specifics in Enable Banking integrations. For generic endpoint mechanics use 
enable-banking-api
; for sandbox credentials use 
enable-banking-sandbox
; for FAQ edge cases use 
enable-banking-faq-best-practices
.
在Enable Banking集成中，使用本技能处理瑞典Open Banking的特定事宜。通用端点机制请使用
enable-banking-api
；沙箱凭证请使用
enable-banking-sandbox
；FAQ边缘案例请使用
enable-banking-faq-best-practices
。

Workflow

工作流程

  1. Identify whether the flow is AIS, PIS, or both.
  2. Identify PSU type: personal or business.
  3. Identify the Swedish ASPSP/brand: Swedbank/Sparbanken, SEB, Handelsbanken, Nordea, Nordea Corporate, Nordea First Card, Länsförsäkringar Bank, Danske Bank, or another Swedish ASPSP.
  4. Check whether the flow needs BankID, Swedish SSN/personnummer, business ID, debtor account, Bankgirot, OCR, or sandbox-specific behavior.
  5. Read references/sweden-open-banking.md for the relevant ASPSP and payment specifics.
  1. 判断流程属于AIS、PIS还是两者兼具。
  2. 识别PSU类型：个人或企业。
  3. 识别瑞典ASPSP/品牌：Swedbank/Sparbanken、SEB、Handelsbanken、Nordea、Nordea Corporate、Nordea First Card、Länsförsäkringar Bank、Danske Bank或其他瑞典ASPSP。
  4. 检查流程是否需要BankID、瑞典社保号/personnummer、企业ID、付款人账户、Bankgirot、OCR或沙箱特定行为。
  5. 阅读references/sweden-open-banking.md获取相关ASPSP和支付的详细信息。

Core Rules

核心规则

  • Swedish banks commonly support redirect and decoupled auth flows; Danske Bank is redirect-only.
  • BankID, especially Mobile BankID, is the primary SCA method across major Swedish banks.
  • Swedish SSN/personnummer can be required for BankID-based authentication and is supported by most major Swedish banks as part of the auth flow.
  • For business accounts, some ASPSPs require extra business identifiers or prior power of attorney setup.
  • Swedish domestic payments use SEK and domestic account number formats based on clearing number plus account number.
  • Swedish banks also support SEPA Credit Transfers in EUR, but SEPA Instant Credit Transfers are not supported in Sweden.
  • For Bankgirot payments, use 
    reference_number
    for OCR and 
    remittance_information
    for message. If both are provided and the ASPSP accepts only one, 
    reference_number
    has priority.
  • Do not assume individual payer details are available for Bankgirot batch settlements in AIS transaction data.
  • For Swedbank historic transactions, handle empty pages with continuation keys and missing 
    entry_reference
    for older transactions.
  • 瑞典银行普遍支持重定向和解耦认证流程；Danske Bank仅支持重定向。
  • BankID（尤其是Mobile BankID）是瑞典各大银行的主要SCA方式。
  • 基于BankID的认证可能需要瑞典社保号/personnummer，且瑞典多数主流银行在认证流程中支持该功能。
  • 对于企业账户，部分ASPSP要求额外的企业标识符或预先设置授权委托书。
  • 瑞典本地支付使用SEK，账户格式基于清算号加账号的本地格式。
  • 瑞典银行也支持以EUR结算的SEPA贷记转账，但瑞典不支持SEPA即时贷记转账。
  • 对于Bankgirot支付，使用
    reference_number
    存储OCR信息，
    remittance_information
    存储汇款信息。如果两者同时提供但ASPSP仅接受其一，则
    reference_number
    优先。
  • 不要假设在AIS交易数据中，Bankgirot批量结算的单个付款人详情是可用的。
  • 对于Swedbank的历史交易，需处理带有续传键的空页面以及旧交易缺失
    entry_reference
    的情况。

Project Placement

项目部署建议

When implementing Swedish-specific logic in an application:
  • Keep ASPSP-specific request shaping and validation in backend services.
  • Keep Swedish payment form validation in shared form/domain code only if it is reused; otherwise keep it near the Sweden payment flow.
  • Store personnummer/business identifiers carefully as sensitive user-provided data; avoid logging them.
  • Keep user-facing Swedish bank instructions in frontend code, but source behavior from typed domain rules so API requests remain consistent.
在应用中实现瑞典特定逻辑时：
  • 将ASPSP特定的请求构造和验证逻辑放在后端服务中。
  • 仅当瑞典支付表单验证逻辑可复用的情况下，将其放在共享表单/领域代码中；否则应将其放在瑞典支付流附近。
  • 谨慎存储personnummer/企业标识符这类敏感的用户提供数据；避免记录这些信息。
  • 将面向用户的瑞典银行说明放在前端代码中，但从类型化领域规则中获取行为逻辑，以确保API请求的一致性。