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FinTS

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301: 53:. 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 144:
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
244: 65:(Secure Electronic Transaction) are tailored for the North American market, HBCI is designed to meet the requirements of the European market. 185: 342: 152:
HBCI has been superseded by its successor FinTS, and as of 2011, 2000 financial institutions in Germany are supporting FinTS.
376: 148:. To use Secoder, the bank as well as the home banking software have to support the Secoder protocol extension of FinTS. 46: 177: 86: 371: 173: 82: 381: 62: 366: 224:. Further, the number of roundtrips necessary was reduced, allowing asynchronous communication (e.g. via 50: 335: 99: 69: 138:
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
200:, which formally introduced the PIN/TAN method, the specification was renamed to 103: 316: 312: 276: 181: 54: 355: 204:, whereas the original DSA- and RSA-based security method retained the name 34:), is a bank-independent protocol for online banking, developed and used by 68:
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
145: 35: 288: 172:) is an extension to HBCI that added a security method based on 273:- FinTS version 4.1 (including link to SEPA adaptions to FinTS) 125: 93: 225: 129: 121: 114: 260: 221: 110: 57:
emulation). While IFX (Interactive Financial Exchange),
264: 267:- Documentation and protocol information by the ZKA 353: 220:, the basic message syntax was switched over to 336: 117:for data-exchange, encryption and signatures. 343: 329: 285:- AqHBCI / OpenHBCI2 free software project 291:- Pecunia, Online Banking on the Mac, GPL 354: 180:, which had already been in use with 295: 228:) for simple transaction dialogues. 160: 13: 47:German Cooperative Financial Group 14: 398: 254: 81:Support for online-banking using 299: 92:Support for online-banking with 32:Home Banking Computer Interface 279:- FinTS version 4.0 (archived) 238: 61:(Open Financial Exchange) and 24:Financial Transaction Services 1: 231: 315:. You can help Knowledge by 211: 191: 7: 377:Financial routing standards 155: 75: 51:Association of German Banks 10: 403: 294: 106:encryption and signatures. 283:aquamaniac.de/aqbanking/ 70:Central Credit Committee 372:Technical communication 132:as communication layer. 43:Sparkassen-Finanzgruppe 16:Online banking protocol 311:-related article is a 120:Implemented on top of 289:www.pecuniabanking.de 26:), formerly known as 382:Standards of Germany 89:one time passwords. 367:Banking technology 247:(PDF; 1,2 MB) 324: 323: 394: 345: 338: 331: 303: 296: 248: 242: 166:HBCI 2.2 PIN/TAN 161:HBCI 2.2 PIN/TAN 402: 401: 397: 396: 395: 393: 392: 391: 352: 351: 350: 349: 257: 252: 251: 243: 239: 234: 214: 194: 163: 158: 78: 17: 12: 11: 5: 400: 390: 389: 384: 379: 374: 369: 364: 362:Online banking 348: 347: 340: 333: 325: 322: 321: 304: 293: 292: 286: 280: 277:on hbci-zka.de 274: 271:on hbci-zka.de 268: 256: 255:External links 253: 250: 249: 236: 235: 233: 230: 213: 210: 193: 190: 162: 159: 157: 154: 150: 149: 142: 139: 136: 133: 118: 109:Making use of 107: 97: 90: 77: 74: 15: 9: 6: 4: 3: 2: 399: 388: 387:Germany stubs 385: 383: 380: 378: 375: 373: 370: 368: 365: 363: 360: 359: 357: 346: 341: 339: 334: 332: 327: 326: 320: 318: 314: 310: 305: 302: 298: 297: 290: 287: 284: 281: 278: 275: 272: 269: 266: 262: 259: 258: 246: 241: 237: 229: 227: 223: 219: 209: 207: 203: 199: 189: 187: 183: 179: 175: 171: 167: 153: 147: 143: 140: 137: 134: 131: 127: 123: 119: 116: 112: 108: 105: 101: 98: 95: 91: 88: 84: 80: 79: 73: 71: 66: 64: 60: 56: 52: 48: 44: 39: 37: 33: 29: 25: 21: 317:expanding it 306: 240: 217: 215: 205: 201: 197: 196:For version 195: 169: 165: 164: 151: 67: 40: 31: 27: 23: 19: 18: 261:hbci-zka.de 216:In version 186:web banking 356:Categories 232:References 212:FinTS 4.0 192:FinTS 3.0 265:fints.de 156:Versions 76:Features 309:Germany 146:malware 38:banks. 49:, and 36:German 307:This 202:FinTS 170:HBCI+ 126:HTTPS 94:SWIFT 20:FinTS 313:stub 226:SMTP 206:HBCI 184:and 178:TANs 176:and 174:PINs 168:(or 130:SMTP 128:and 122:HTTP 115:SOAP 113:and 102:and 28:HBCI 222:XML 218:4.0 198:3.0 182:BTX 111:XML 104:RSA 100:DES 87:TAN 83:PIN 72:). 63:SET 59:OFX 55:BTX 358:: 263:/ 208:. 188:. 124:, 45:, 344:e 337:t 330:v 319:. 96:. 85:/ 30:( 22:(

Index

German
Sparkassen-Finanzgruppe
German Cooperative Financial Group
Association of German Banks
BTX
OFX
SET
Central Credit Committee
PIN
TAN
SWIFT
DES
RSA
XML
SOAP
HTTP
HTTPS
SMTP
malware
PINs
TANs
BTX
web banking
XML
SMTP
ZKA: Spezifikation FinTS 3.0 Alternative ZKA Sicherheitsverfahren
hbci-zka.de
fints.de
on hbci-zka.de
on hbci-zka.de

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