2FA hardware
for secure accounts

Chip card reader Chip card readers are “chip contactors”: With a chip card reader, you can access a chip card and its functions from your computer. For what purposes are chip card readers suitable? Chip card readers are suitable for secure home banking. Chip card readers can also offer other functions. For example, the reader […]

For online banking with FinTS, there is now the HBCI classic procedure with two options for customer authentication in addition to the PIN/TAN procedure. This is either the use of a signature chip card or the use of an HBCI key file RDH-10. The HBCI / FinTS procedure with key file is based on the […]

In mobile banking, QR codes (e.g. VR-SecureGo) now function as payment codes with information for a bank transfer. This means you can conveniently pay outstanding bills on your smartphone while on the move. This procedure is intended to avoid typing errors and thus cancelations. To date, QR codes have been used on packaging or in […]

photoTAN The photoTAN procedure is not one of the classic or most common TAN procedures(not to be confused with Sm@rtTAN photo procedure!) that are used today. The following banks offer the photoTAN procedure: Deutsche Bank Commerzbank comdirect (Commerbank subsidiary) norisbank others (1822direkt, Raiffeisen Switzerland) A reader or smartphone with a photoTAN app is required to […]

Procedure for online banking A TAN or other encryption is required to confirm a transfer. The following methods are available to generate these: chipTAN QR sm@rtTAN photo HBCI EBICS pushTAN photoTAN eTAN QR-TAN mTAN or smsTAN How safe are the procedures? The procedures each offer a different level of security. The most secure procedure at […]

HBCI procedure The standard procedure HBCI (Homebanking Computer Interface) was introduced in 1998. It is based on the strong encryption of communication between the bank and the customer via a chip card. To take advantage of these benefits, the customer needs a chip card reader that is connected to the customer’s PC. HBCI was continuously […]

EBICS procedure EBICS stands for “Electronic Banking Internet Communication Standard”. It offers corporate customers the opportunity to process global payment transactions with the bank quickly and flexibly via the Internet with the highest level of security. The banks are obliged to offer this standard. Banking with EBICS at a glance: national multibank standard Means of […]

Mobile banking with QR code In mobile banking, QR codes (e.g. GiroCode) now function as payment codes with information for a bank transfer. This means you can conveniently pay outstanding bills on your smartphone while on the move. This procedure is intended to avoid typing errors and thus cancelations. To date, QR codes have been […]

chipTAN The chipTAN procedure offers a mixture of convenience and security. Some banks also call this procedure smartTAN. The TAN is generated by a TAN generator. This can be used either manually (with EC card and without flicker code) or optically (with EC card and flicker code). The use of two separate devices makes it […]

mTAN / smsTAN mTAN stands for “mobileTAN” and is often also called “SMS-TAN” or “mobile TAN”. With this method, the TAN is sent to the user’s cell phone via SMS. For a long time, the procedure was considered practical, user-friendly and secure, as two separate devices are used to generate TANs. In the meantime, a […]