Hi Taro,
For your last question, our user plans to download the the file from SAP in manual, and then upload file to bank. In this case, how to process it in SAP?
Then to your first paragraph, do you mean unnecessary for me to create the directory by AL11 firstly. Just assign the directory in file name. and the program SAPFPAYM will create the directory like /usr/sap/interface/outbound/data/bank.txt in AL11. Am I right?
Cheers.
Eric