为 ING Home'Bank 提供协议反向工程、PSD2 / OAuth2 授权实现、即时支付与账户聚合的可运行 API 交付
我们提供针对 Home'Bank 的端到端技术方案：从会话与 SCA 授权、安全令牌刷新、账户与卡交易抓取，到即时转账（Alias Pay / 实时清算）、卡片令牌化与数字钱包（Google Pay）集成。
// 1) 使用 OAuth2 获取 Access Token
POST /oauth/token
Content-Type: application/x-www-form-urlencoded
grant_type=authorization_code&code=<CODE>&client_id=<ID>&client_secret=<SECRET>
// 2) 查询账户余额
GET /api/v1/accounts/{accountId}/balance
Authorization: Bearer <ACCESS_TOKEN>
// 3) 发起即时转账（Alias Pay / 快速转账）
POST /api/v1/payments/instant
Authorization: Bearer <ACCESS_TOKEN>
{
"fromAccount":"NLxxINGB0000xxxx",
"toAlias":"+40xxxxxxxx",
"amount":250.00,
"currency":"EUR",
"reference":"Invoice 2025-09-01"
}
Response: { "status":"ACCEPTED","paymentId":"PMT-12345","initiatedAt":"2025-10-01T10:00:00Z" }
账户聚合（多账户合并视图）、企业批量付款、即时入账通知、卡片与钱包接入、交易风控与合规日志、3D Secure 推送与 SCA 自动化。
所有实现以客户授权或开放/授予的 API 为前提。对敏感数据采用最小化策略，传输使用 TLS1.2+，支持 HSM / 云 KMS、日志审计与可选的独立安全评估（渗透测试 / 应用安全扫描）。
我们是专业的接口集成与协议分析工作室，专注于 OpenData / OpenBanking / OpenFinance 场景。团队成员来自金融机构、支付网关与移动应用开发背景，擅长 PSD2、OAuth、SCA、卡片令牌化与跨境结算集成。
At ING we believe your bank must be simple and intuitive, our life being complex enough. It is not only about the money, but also about the freedom of accessing them securely, wherever you are. - You can open your online current account, if you are Romanian citizen, of minimum 18 years old, you have a permanent address in Romania and have a valid identitity card - You may have a joint account for family expenses - Your kid also can get a current account and card, with you permanently in control. - You can access instant personal needs loans, credit cards and overdrafts. - You can simulate the eligible amount for your mortgage loan. - You protect your loved ones with life, health, or salary insurance. - You can access term deposits and savings accounts. - You can issue virtual cards and instant add them to Google Pay, Garmin Pay - You can invest in mutual funds. - You can use FX at better rates. All financial chores become simple with Home'Bank, with an intuitive interface, fast access and well thought functions which are meant to help you. You are in full control of your money, directly on the phone which will become a trusted device: - You can authenticate without SMS code once the device is registered as trusted. - You have the option of simple logging on, with fingerprint or facial authentication. - You pay faster using only your password. - You receive push notifications for 3D secure payments authorisation, also for all the operations from your current accounts. - Do not forget to activate geolocation. It helps us detect fraudulent activity initiated from foreign geographic areas in Home’Bank. You decide where you shop! You can access offers from over 100 partners in Bazar, from which you will receive cash-back. You have plenty of payment options: - Alias Pay: payments based on the phone number only. - You can pay with the phone. You don’t need a physical wallet, you pay with Android Pay - Paying your invoices, with Scan&Pay option, you can pay your invoices just by scanning them with your phone camera. - Online instant payments: RON Transfers to other banks in Romania are instant, including invoice payments or to other suppliers, if their bank is enrolled in the instant payment program. - Payment requests: You can send payment requests to friends from your phonebook. They receive a payment notification in Home’Bank.
原文来源：ING Home'Bank 应用商店条目（摘要）。本文用于技术集成参考与服务展示。