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### ---- key based access.  Extracted from https://www.aquamaniac.de/sites/download/download.php?package=09&release=09&file=01&dummy=aqbanking4-handbook-20091231.pdf

# 1 Create local keys _container_ (so no keys are created yet).
gct-tool create -t ohbci output.medium

# 2 Create user associated with local keys. (From now on, ${UNIQUEID} points to this fresh user)
aqhbci-tool4 adduser -s 'https://hbci.gad.de' -u VRK588XXXX -c VRK588XXX -N 67264051XXX -b 43060967 -t ohbci --context=1 --rdhtype=0 --hbciversion=300 -n output.medium

# 3 Get keys (sign & crypt) from the bank.  Didn't work.
aqhbci-tool4 getkeys --user=${UNIQUEID}

# 4 Show local (container) and bank's keys.  No warnings reported, but neither keys hashcodes. 
gct-tool showkey -t ohbci -n output.medium

# 5 Actually create keys now.  Worked.
aqhbci-tool4 createkeys --user=${USER}

# 6 Send keys to the bank.  Didn't work (I suspect the URL associate with the user is not right).
aqhbci-tool4 sendkeys --user=${USER}

# 7 Last, generate letter.  Worked.
aqhbci-tool4 iniletter --user=${USER} > ini.txt

# 8 Pen-sign the letter and send via snail mail to the bank.

============== mobile TAN method below; could not get it to work.

# Add a user in the system.  The user has a bank and a customer id,
# but is _not_ active yet (see commands below).
aqhbci-tool4 adduser -s 'https://hbci-pintan.gad.de/cgi-bin/hbciservlet' -u VRK588XXX -c VRK588XXX -N 6726405XXX -b 43060967 -t pintan --context=1

# Then get the "sysid".
aqhbci-tool4 getsysid --user=U

# Finally, give the following command to "unlock" the user.
aqhbci-tool4 getitanmodes --user=U

# If the three commands above all worked out, then balance
# and transactions list should be available.  Try this with
# the following commands.

aqbanking-cli request --balance

# and

aqbanking-cli request --transactions