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Bank Link specification (until 30.04.2016)

  • Additional modules are installed in the merchant’s internet server, exchanging queries with the bank, and preparing and checking digital signatures.
  • The merchant generates a digital signature and forwards it to the bank ( ).
  • Installation of additional modules and generation of digital signature is supported by IT companies.

Description of services with payment function

Service 1001
The merchant sends to the bank the client’s request for executing a transaction.

No. Name of field Length Description
1 VK_SERVICE 4 Service number (1001)
2 VK_VERSION 3 Encryption algorithm used (008)
3 VK_SND_ID 15 ID of compiler of query (Merchant’s ID)
4 VK_STAMP 20 Query ID
5 VK_AMOUNT 12 Amount payable
6 VK_CURR 3 Currency symbol EUR
7 VK_ACC 34 Beneficiary’s account No.
8 VK_NAME 70 Beneficiary’s name
9 VK_REF 35 Reference number of payment order
10 VK_MSG 95 Payment details
- VK_CHARSET 12 Encoding of message Optional parameter.
Permitted ISO-8859-1(default value) or UTF-8
- VK_MAC 700 Check code or signature
- VK_RETURN 255 URL, to which response is sent if transaction is successful
- VK_CANCEL 255 URL, to which response is sent if transaction fails
- VK_LANG 3 Preferred language of communication

Service 1002
The merchant sends to the bank the client’s request for executing a transaction. The beneficiary’s name and account number are taken from the agreement signed between the bank and the merchant.

No. Name of field Length Description
1 VK_SERVICE 4 Service number (1002)
2 VK_VERSION 3 Encryption algorithm used (008)
3 VK_SND_ID 15 ID of compiler of query (Merchant’s ID)
4 VK_STAMP 20 Query ID
5 VK_AMOUNT 12 Amount payable
6 VK_CURR 3 Currency symbol EUR
7 VK_REF 35 Reference number of payment order
8 VK_MSG 95 Payment details
- VK_CHARSET 12 Encoding of message Optional parameter.
Permitted ISO-8859-1(default value) or UTF-8
- VK_MAC 700 Check code or signature
- VK_RETURN 255 URL, to which response is sent if transaction is successful
- VK_CANCEL 255 URL, to which response is sent if transaction fails

Service 1101
Response on accepting the transaction

No. Name of field Description
1 VK_SERVICE Service number (1101)
2 VK_VERSION Encryption algorithm used (008)
3 VK_SND_ID ID of compiler of query (Bank’s ID)
4 VK_REC_ID ID of recipient of query (Merchant’s ID)
5 VK_STAMP Query ID
6 VK_T_NO Payment order No.
7 VK_AMOUNT Amount paid
8 VK_CURR Currency symbol EUR
9 VK_REC_ACC Beneficiary’s account No.
10 VK_REC_NAME Beneficiary’s name
11 VK_SND_ACC Remitter’s account number
12 VK_SND_NAME Remitter’s name
13 VK_REF Reference number of payment order
14 VK_MSG Payment details
15 VK_T_DATE Date of payment order
- VK_CHARSET Encoding of message Optional parameter.
Permitted ISO-8859-1(default value) or UTF-8
- VK_MAC Check code or signature
- VK_LANG Preferred language of communication
- VK_AUTO Indicates, whether the package was sent automatically (“Y”) or not “N”)

Service 1901
Response on rejecting the transaction

No. Name of field Description
1 VK_SERVICE Service number (1901)
2 VK_VERSION Encryption algorithm used (008)
3 VK_SND_ID ID of compiler of query (Bank’s ID)
4 VK_REC_ID ID of recipient of query (Merchant’s ID)
5 VK_STAMP Query ID
6 VK_REF Reference number of payment order
7 VK_MSG Payment details
- VK_CHARSET Encoding of message Optional parameter.
Permitted ISO-8859-1(default value) or UTF-8
- VK_MAC Check code or signature
- VK_LANG Preferred language of communication
- VK_AUTO Indicates, whether the package was sent automatically (“Y”) or not “N”)

Service 1902
Used for notifying of failed transactions. Additional field VK_ERROR_CODE, indicating the agreed error code

No. Name of field Length Description
1 VK_SERVICE 4 Service number
2 VK_VERSION 3 Encryption algorithm used (008)
3 VK_SND_ID 15 ID of compiler of query (Bank’s ID)
4 VK_REC_ID 15 ID of recipient of query (Merchant’s ID)
5 VK_STAMP 20 Query ID
6 VK_REF 35 Reference number of payment order
7 VK_MSG 95 Payment details
8 VK_ERROR_CODE 4 Payment details
- VK_CHARSET 12 Encoding of message Optional parameter.
Permitted ISO-8859-1(default value) or UTF-8
- VK_MAC 700 Check code or signature
- VK_LANG 3 Preferred language of communication
- VK_AUTO 1 Indicates, whether the package was sent automatically (“Y”) or not “N”)

Example:
VK_SERVICE=1901&VK_VERSION=002&VK_SND_ID=HP&VK_REC_ID=EPL001&
VK_STAMP=37306e24&_REF=200002086&VK_MSG=Payment%3A+order%3A+Annual%3A+subscription& VK_MAC=g40uYkOzfwH5QhQaKBgNYua%2FxfE%3D&VK_LANG=EST

Example: Finding the check code VK_MAC based on version 008
Signature MAC008 (VK_MAC) is calculated by using the public key algorithm RSA and hash algorithm SHAI.
MAC008(x1,x2,..., xn):= RSA (SHA-1(p(x1) || x1 || p(x2) || x2 || ... || p(xn) || xn),d,n)

Explanations:
|| - summation operation of string
x1, x2, ..., xn – query parameters (numbered in specification).
p – function of parameter length in bytes. Length is a number in the three-digit string format
d RSA – hidden exponent
n RSA – modulus

Authentication services

Service 3001
The merchant is forwarded the user’s indificator, and the date and time of generating the package.

No. Name of field Length Description
1 VK_SERVICE 4 Service number (3001)
2 VK_VERSION 3 Encryption logarithm used (008)
3 VK_USER 16 Conventional user indificator
4 VK_DATE 10 Date of generating the package
5 VK_TIME 8 Time of generating the package
6 VK_SND_ID 15 ID of compiler of query (Bank’s ID)
- VK_CHARSET 12 Encoding of message Optional parameter.
Permitted ISO-8859-1(default value) or UTF-8
- VK_MAC 700 Check code or signature

Service 3002
The merchant is forwarded the user’s indificator, and the date and time of generating the package. Field VK_INFO contains information in the format as agreed with the merchant. One possibility is that the field contains pairs, separated with semicolon in the format “NAME:VALUE”

No. Name of field Length Description
1 VK_SERVICE 4 Service number (3002)
2 VK_VERSION 3 Encryption logarithm used (008)
3 VK_USER 16 Conventional user indificator
4 VK_DATE 10 Date of generating the message
5 VK_TIME 8 Time of generating the message
6 VK_SND_ID 15 ID of compiler of message (Bank’s ID)
7 VK_INFO 300 Field, containing personal user data, standardised upon agreement
- VK_CHARSET 12 Encoding of message Optional parameter.
Permitted ISO-8859-1(default value) or UTF-8
- VK_MAC 700 Check code or signature

Service 4001
Query sent by merchant for the authentication of an Internet Bank user

No. Name of field Length Description
1 VK_SERVICE 4 Information on sent query
2 VK_VERSION 3 Encryption logarithm used (008)
3 VK_SND_ID 15 ID of compiler of message (partner’s ID)
4 VK_REPLY 4 Code of expected response package (3002)
5 VK_RETURN 255 Merchant’s URL, to which the response is sent
6 VK_DATE 10 Date of generating the message
7 VK_TIME 8 Time of generating the message
  VK_CHARSET 12 Encoding of message Optional parameter.
Permitted ISO-8859-1(default value) or UTF-8
- VK_MAC 700 Check code or signature

Service 4002
Query sent by merchant for the authentication of an Internet Bank user

No. Name of field Length Description
1 VK_SERVICE 4 Service number (4002)
2 VK_VERSION 3 Encryption logarithm used (008)
3 VK_SND_ID 15 ID of compiler of message (partner’s ID)
4 VK_REC_ID 15 ID of the sender of message (Bank’s ID)
5 VK_NONCE 50 Random nonce, generated by the sender of query (used to ensure freshness)
6 VK_RETURN 255 URL, to which the authenticated user is directed.
- VK_CHARSET 12 Encoding of message Optional parameter.
Permitted ISO-8859-1(default value) or UTF-8
- VK_MAC 700 Check code or signature

Service 3003
The merchant is forwarded the user’s personal ID code and name

No. Name of field Length Description
1 VK_SERVICE 4 Service number (3003)
2 VK_VERSION 3 Encryption logarithm used (008)
3 VK_SND_ID 15 ID of compiler of message (Bank’s ID)
4 VK_REC_ID 15 ID of the sender of message (partner’s ID)
5 VK_NONCE 50 Copy of conce contained in the query
6 VK_INFO 300 Field, standardised upon agreement, containing personal user data of a person to be authenticated
- VK_CHARSET 12 Encoding of message Optional parameter.
Permitted ISO-8859-1(default value) or UTF-8
- VK_MAC 700 Check code or signature

 

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You are on the homepage of AS SEB Pank, SEB Life and Pension Baltic SE Estonian Branch, AS SEB Liising, AS SEB Varahaldus and AS Rentacar – corporations that provide financial services. We advise you to examine carefully the terms and conditions of the service before taking out a contract and if necessary, to consult a specialist.

Prior to the conclusion of each financial service agreement, we advise you to examine thoroughly the service conditions and if necessary, consult a bank officer.

AS SEB Pank | SWIFT Code (BIC): EEUHEE2X | Tornimäe 2, Tallinn 15010 | 24h customer support line (+372) 665 5100 | Letter to bank or Skype seb.eesti

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