TAN-generators of the Bank: the way they work
- A sm@rt-TAN-Generator is generating the TAN on the Chip on the customer's card. This Generator does not have a number key, but a button that you can use to allow the device to have a TAN to create, as soon as the card is inserted. The device and the card are not bonded to each other. So you can generate with any sm@rt-TAN-Generator for any cards TANs. Only the last-generated TAN, however, is always valid.
- A eTAN-Generator has input keys. The TAN Generator is individually associated with the customer card. He will not work with all cards. In addition, the customer receives a secret key. Combined with the time and the beneficiary account number of the Generator then creates a TAN, with the account number of the recipient entered by Hand must be. However, this is only valid for a certain time and expires then.
- The most convenient is the first of the chipTAN-Generator is most. This consists of a Display, input keys and a slot for the customer's card. He also has on the back of five optical Sensors. And so, the most common type of Generator works: The customer enters the online banking data, for example, for a wire Transfer. Then, a flickering Black-and-White graphics appear on the screen. The customer now holds the Sensors of the generator with a plug-in card to this chart, pass the entered data to the device. The customer can check on the Display once the account number of the recipient and the amount. He confirms the data by pressing the button, the Generator creates a chipTAN. The is only for this transaction to be valid.
- In addition to TAN-generators, there are other methods for the generation of TANs. These include, for example, the pushTAN as well as the photoTAN. Both methods we explain in the further practical tips.
The function of TAN-Genaratoren
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