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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
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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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65:(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HBCI has been superseded by its successor FinTS, and as of 2011, 2000 financial institutions in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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148:. 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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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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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)
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emulation). While IFX (Interactive
Financial Exchange),
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117:for data-exchange, encryption and signatures.
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285:- AqHBCI / OpenHBCI2 free software project
291:- Pecunia, Online Banking on the Mac, GPL
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180:, which had already been in use with
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228:) for simple transaction dialogues.
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47:German Cooperative Financial Group
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81:Support for online-banking using
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92:Support for online-banking with
32:Home Banking Computer Interface
279:- FinTS version 4.0 (archived)
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61:(Open Financial Exchange) and
24:Financial Transaction Services
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315:. You can help Knowledge by
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377:Financial routing standards
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51:Association of German Banks
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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)
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166:HBCI 2.2 PIN/TAN
161:HBCI 2.2 PIN/TAN
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362:Online banking
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277:on hbci-zka.de
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255:External links
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109:Making use of
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317:expanding it
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196:For version
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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
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30:(
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