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64:. The result of this effort was an open protocol specification, which is publicly available. The standardisation effort was necessary to replace the huge number of deprecated homemade software clients and servers (some of them still using
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Possibility to use so called "Secoder" smart card readers to allow the user to cross check the transaction data on a secure device before signing it to uncover manipulations caused by
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76:(Secure Electronic Transaction) are tailored for the North American market, HBCI is designed to meet the requirements of the European market.
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HBCI has been superseded by its successor FinTS, and as of 2011, 2000 financial institutions in
Germany are supporting FinTS.
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159:. To use Secoder, the bank as well as the home banking software have to support the Secoder protocol extension of FinTS.
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Platform
Independence: The specification allows software development for various types of clients.
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Multibanking: The software clients are designed to support accounts on multiple banking companies.
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Storage of the encryption keys on an external physical device (smart card) for improved security.
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HBCI was originally designed by
Germany's three banking "pillar" networks, namely the
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211:, which formally introduced the PIN/TAN method, the specification was renamed to
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The FinTS-specification is publicly available on a website run by the ZKA (
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ZKA: Spezifikation FinTS 3.0 Alternative ZKA Sicherheitsverfahren
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284:- FinTS version 4.1 (including link to SEPA adaptions to FinTS)
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emulation). While IFX (Interactive
Financial Exchange),
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278:- Documentation and protocol information by the ZKA
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128:for data-exchange, encryption and signatures.
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296:- AqHBCI / OpenHBCI2 free software project
302:- Pecunia, Online Banking on the Mac, GPL
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191:, which had already been in use with
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239:) for simple transaction dialogues.
326:. You can help Knowledge (XXG) by
58:German Cooperative Financial Group
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92:Support for online-banking using
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103:Support for online-banking with
43:Home Banking Computer Interface
290:- FinTS version 4.0 (archived)
72:(Open Financial Exchange) and
35:Financial Transaction Services
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388:Financial routing standards
62:Association of German Banks
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117:encryption and signatures.
294:aquamaniac.de/aqbanking/
81:Central Credit Committee
383:Technical communication
143:as communication layer.
54:Sparkassen-Finanzgruppe
27:Online banking protocol
322:-related article is a
131:Implemented on top of
300:www.pecuniabanking.de
37:), formerly known as
393:Standards of Germany
100:one time passwords.
378:Banking technology
258:(PDF; 1,2 MB)
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16:(Redirected from
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177:HBCI 2.2 PIN/TAN
172:HBCI 2.2 PIN/TAN
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288:on hbci-zka.de
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266:External links
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328:expanding it
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207:For version
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272:hbci-zka.de
227:In version
197:web banking
367:Categories
243:References
223:FinTS 4.0
203:FinTS 3.0
276:fints.de
167:Versions
87:Features
320:Germany
157:malware
49:banks.
60:, and
47:German
318:This
213:FinTS
181:HBCI+
137:HTTPS
105:SWIFT
31:FinTS
324:stub
237:SMTP
217:HBCI
195:and
189:TANs
187:and
185:PINs
179:(or
141:SMTP
139:and
133:HTTP
126:SOAP
124:and
113:and
39:HBCI
18:HBCI
233:XML
229:4.0
209:3.0
193:BTX
122:XML
115:RSA
111:DES
98:TAN
94:PIN
83:).
74:SET
70:OFX
66:BTX
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41:(
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