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financial transaction service (FinTS)

The Central Credit Committee(ZKA) has renamed the HBCI standard, Home Banking Computer Interface (HBCI), to Financial Transaction Service (FinTS) in version 3.0.

With FinTS, communication between client and server is secured using various cryptographic methods. To ensure confidentiality, FinTS uses combined encryption procedures such as the DES-DES procedure(DDV) or the combination of the RSA procedure and the Data Encryption Standard (DES) the RSA-DES hybrid( RDH). To secure the PIN/ TAN procedure, the HTTPS protocol was encrypted with Secure Socket Layer( SSL).

FinTS supports indexed transaction numbers( iTAN) and mobile transaction numbers( mTAN). Messages are encrypted with triple DES, and message keys generated with a random generator are transmitted using hybrid encryption. This is a combination of symmetric encryption and asymmetric encryption.

Informations:
Englisch: financial transaction service - FinTS
Updated at: 27.04.2011
#Words: 120
Links: home banking computer interface (HBCI), standard (STD), communication (COM), client, server
Translations: DE
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