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hbci's Issues

Error code 9340 when connecting with GLS SecureGo+

Hi, we've been using mobile TAN with GLS bank and had to switch to GLS SecureGo+ as GLS is switching off mobile TAN: https://www.gls.de/privatkunden/konto-karten/onlinebanking/securego-plus/.

After the switch, we can no longer connect with the hbci gem. Getting the following errors:

Any help with this would be very much appreciated.

Authentification stopped working for Fiducia/GAD

Since today I'm getting error messages when trying to get data from the GLS Bank (which uses the Fiducia/GAD systems):
HIRMG:3:2+9050::Die Nachricht enth?lt Fehler.'
HIRMS:4:2:3+9075::Starke Kundenauthentifizierung notwendig.'

However I can retrieve my transactions using Fints via Starmoney with only UserId and PIN. Looking at the FinTS response in the Starmoney log I can see this response to the authentification:
HIRMG:3:2+3060::Bitte beachten Sie die enthaltenen Warnungen/Hinweise.'
HIRMS:4:2:4+3920::Zugelassene TAN-Verfahren f.r den Benutzer:942+0901::*PIN g.ltig.+0020::*Dialoginitialisierung erfolgreich'
HIRMS:5:2:5+3076::Starke Kundenauthentifizierung nicht notwendig.'
HITAN:6:6:5+4++noref+nochallenge'

Looking at request in Starmoney I can also see the the segment "HKTAN:5:6+4+HKIDN'" was sent - I'm just guessing if this might be missing?

Not registered as FinTS-Product error

Thank you for the fix to #18 - while trying to test it I got a new error:
"9800::Dialog abgebrochen+9078::Software nicht als FinTS-Produkt registriert. Bitte an Hersteller wenden."

Is this library registered as product or should I register as developer? In that case how to I send "Produktbezeichnung" and "Produktversion" as required?

Issues with netbank and BalanceReceiver

The following code throws NoMethodError: undefined method build' for nil:NilClassbecause netbank useshksal` version 5 (whatever that is!)

require 'hbci'
CREDENTIALS = BankCredentials::Hbci.new(
  url:       'https://banking.netbank.de/hbci',
  bank_code: 20_090_500.to_s,
  user_id:   '123',
  pin:       'secret'
)

IBAN = 'DE41 2009 0500 0001 1234 56'.tr(' ', '').freeze

balance = 0
Hbci::Connector.open(CREDENTIALS) do |connector|
  Hbci::Dialog.open(connector) do |dialog|
    balance = Hbci::Services::BalanceReceiver.new(connector, dialog, IBAN).perform
  end
end

balance.to_f

I added a puts version to BalanceReceiver#build_hksal and it logged 5 which is currently not supported. It would be great if you could add support for this version.

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