FinTS or Financial Transaction Services is the successor of the German online banking standard HBCI. HBCI ( Home Banking Computer Interface) is a bank-independent protocol for online banking developed for and used by German banks The FinTS-specification is publicly available on the ZKA website. Features are:
- Support for online-banking using PIN/TAN. A personal identification number (PIN is a secret numeric Password shared between a user and a system that can be used to authenticate the user to the system A Transaction authentication number or TAN is used by some Online banking services as a form of single use Passwords to authorize Financial
- Support for online-banking with SWIFT. The Society for Worldwide Interbank Financial Telecommunication ("SWIFT" operates a worldwide financial messaging
- Key stored on floppy-disk or chip-card for physical security.
- Making use of XML and SOAP for data-exchange, encryption and signatures. Don't change "Extensible" SOAP (see below for name and origins is a protocol for exchanging XML -based messages over Computer networks normally using
- Implemented on top of Http, Https and SMTP as communication layer. Hypertext Transfer Protocol ( HTTP) is a Communications protocol for the transfer of information on the Internet. Simple Mail Transfer Protocol ( SMTP) is a De facto standard for electronic mail (e-mail transmissions across the Internet.
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