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Mobile ID

Spe­cial SIM cards enable secure pro­cessing of encrypted mes­sages when log­ging into e-banking facilities.

Please note the fol­lowing when using Mobile ID:

  • Care­fully check all data to be signed off before con­firming any transaction.
  • Store your access details sep­a­rately from your mobile phone.
  • Don’t use the same mobile phone for e-banking as the one you receive Mobile ID mes­sages on.
  • Do not make any written notes of your pass­words and PINs, unless you can keep such notes under lock and key.
  • Only ever enter your ID number, your pass­word or your PIN into the log-in tem­plate of your e-banking facility.
  • Only ever enter your per­sonal Mobile ID PIN on your mobile phone.

Oper­ating principle

Sim­ilar to the mTAN log-in pro­ce­dure, Mobile ID uses a smart­phone, and data are trans­ferred across an addi­tional com­mu­ni­ca­tion channel (mobile phone network).

The dif­fer­ence is the vital role played by the spe­cial SIM card holding the Mobile ID. This enables data to be trans­ferred in an encrypted manner. The keys required to do so are gen­er­ated when acti­vating the Mobile ID and are then stored on the actual SIM card.  This encrypted com­mu­ni­ca­tion channel pre­vents attackers from cap­turing log-in or trans­ac­tion requests.

When log­ging into the finan­cial insti­tu­tion web­site, you will need to enter the ID number and poten­tially your pass­word or PIN. Your mobile phone will then dis­play a mes­sage which you have to con­firm. You will then have to enter your per­sonal Mobile ID PIN on your mobile phone. Only once you have done so will you obtain access to your account.

You will have to apply to your mobile phone net­work provider for a Mobile ID-enabled SIM card.

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