Most banks in Germany that offer personal home banking use a system called PIN/TAN. Account holders log into their accounts using either a username or their account number with a PIN (Persönliche Identifikationsnummer).
After that, to carry out any form of transactions, a TAN (Transaktionsnummer) is use.
Over the years, the system has tried to cope with the growing number of phishing attacks and security problems, meaning that there are a number of different TAN systems in use. [Read more…]
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