What does the error message EBICS_INVALID_USER_OR_USER_STATE mean and what can be done?
091002:EBICS_INVALID_USER_OR_USER_STATE (EBICS error number 091002) might occur during the initialization of a bank connection.
The message comes from the bank and means that the user is unknown or the user is not in the correct state.
Please check the following:
Did you enter the correct access data during the initialization? Is the user ID correct?
If the data were entered correctly, please contact the bank to check whether the user is in the state NEW. Only then a successful initialization is possible.