{"id":7723,"date":"2019-09-17T10:54:00","date_gmt":"2019-09-17T08:54:00","guid":{"rendered":"https:\/\/www.ebas.ch\/photo-tan-optisches-tan-verfahren\/"},"modified":"2020-03-06T10:50:57","modified_gmt":"2020-03-06T09:50:57","slug":"photo-tan-optical-tan-process","status":"publish","type":"page","link":"https:\/\/www.ebas.ch\/en\/photo-tan-optical-tan-process\/","title":{"rendered":"Photo TAN (Optical TAN process)"},"content":{"rendered":"<div id=\"av_section_1\" class=\"avia-section av-3osj-8edf3c5c57d6f444e32a620ab19c7a5a main_color avia-section-default avia-no-border-styling  avia-builder-el-0  avia-builder-el-no-sibling  avia-bg-style-scroll container_wrap fullsize\"><div class=\"container av-section-cont-open\"><main role=\"main\" itemprop=\"mainContentOfPage\" class=\"template-page content  av-content-full alpha units\"><div class=\"post-entry post-entry-type-page post-entry-7723\"><div class=\"entry-content-wrapper clearfix\">\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-jo2xz-588590f8e0c3dd5b36ff4df9077018fa\">\n.flex_column.av-jo2xz-588590f8e0c3dd5b36ff4df9077018fa{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class=\"flex_column av-jo2xz-588590f8e0c3dd5b36ff4df9077018fa av_three_fourth  avia-builder-el-1  el_before_av_one_fourth  avia-builder-el-first  first flex_column_div av-zero-column-padding  \"><section class=\"av_textblock_section av-jvmci8ju-9c366899b1c2f992175fe9c2dcdf61c8 \" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\"><div class=\"avia_textblock\" itemprop=\"text\"><p class=\"ebas-lead\">In addition to your password, the Photo TAN process also uses a smartphone app or a specific reader. These are employed to record and encrypt optical information displayed on your log-in page.<\/p>\n<div class=\"ebas-gist\">\n<h4>Please note the following when using Photo TAN:<\/h4>\n<ul>\n<li>Carefully check all data to be signed off before confirming any transaction.<\/li>\n<li>Store your access details separately from your Photo <span class=\"glossaryLink\"  aria-describedby=\"tt\"  data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;Transaction number (TAN)&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;This is a kind of one-off password which is used in addition to a password or PIN. TANs can be generated and displayed to users in different ways - e. g. mobile TANs (mTAN) which is transmitted by financial institutions to users via a SMS, or photo TANs, which are displayed after decrypting a coloured mosaic pattern.&lt;\/div&gt;\n\"  data-mobile-support=\"0\"  data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex='0' role='link'>TAN<\/span> reader.<\/li>\n<li>Follow all <a href=\"https:\/\/www.ebas.ch\/en\/mobile-banking-app\/\">security recommendations applicable to smartphones<\/a>.<\/li>\n<li>Do not make any written notes of your passwords and PINs, unless you can keep such notes under lock and key.<\/li>\n<li>Only ever enter your ID number and your <span class=\"glossaryLink\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;Password&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Serves for authentication. This means agreeing on and using a character string for someone, usually a person, to identify themselves and confirming their own identity this way.&lt;\/p&gt;\n&lt;p&gt;A &amp;lt;a href=&amp;quot;https:\/\/www.ebas.ch\/en\/4-protecting-online-access\/&amp;quot;&amp;gt;good password&amp;lt;\/a&amp;gt; should have at least 12 characters and consist of numbers, upper and lower case letters as well as special characters.&lt;\/p&gt;&lt;\/div&gt;\n\" data-mobile-support=\"0\" data-gt-translate-attributes=\"[{&quot;attribute&quot;:&quot;data-cmtooltip&quot;, &quot;format&quot;:&quot;html&quot;}]\" tabindex=\"0\" role=\"link\">password<\/span> or your PIN and your Photo <span class=\"glossaryLink\"  aria-describedby=\"tt\"  data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;Transaction number (TAN)&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;This is a kind of one-off password which is used in addition to a password or PIN. TANs can be generated and displayed to users in different ways - e. g. mobile TANs (mTAN) which is transmitted by financial institutions to users via a SMS, or photo TANs, which are displayed after decrypting a coloured mosaic pattern.&lt;\/div&gt;\n\"  data-mobile-support=\"0\"  data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex='0' role='link'>TAN<\/span> code into the log-in template of your e-banking facility.<\/li>\n<\/ul>\n<\/div>\n<h3>Operating principle<\/h3>\n<p>Once you enter your ID number and <span class=\"glossaryLink\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;Password&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Serves for authentication. This means agreeing on and using a character string for someone, usually a person, to identify themselves and confirming their own identity this way.&lt;\/p&gt;\n&lt;p&gt;A &amp;lt;a href=&amp;quot;https:\/\/www.ebas.ch\/en\/4-protecting-online-access\/&amp;quot;&amp;gt;good password&amp;lt;\/a&amp;gt; should have at least 12 characters and consist of numbers, upper and lower case letters as well as special characters.&lt;\/p&gt;&lt;\/div&gt;\n\" data-mobile-support=\"0\" data-gt-translate-attributes=\"[{&quot;attribute&quot;:&quot;data-cmtooltip&quot;, &quot;format&quot;:&quot;html&quot;}]\" tabindex=\"0\" role=\"link\">password<\/span> or PIN into your e-banking portal, the financial institution will transmit a <span class=\"glossaryLink\"  aria-describedby=\"tt\"  data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;Transaction number (TAN)&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;This is a kind of one-off password which is used in addition to a password or PIN. TANs can be generated and displayed to users in different ways - e. g. mobile TANs (mTAN) which is transmitted by financial institutions to users via a SMS, or photo TANs, which are displayed after decrypting a coloured mosaic pattern.&lt;\/div&gt;\n\"  data-mobile-support=\"0\"  data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex='0' role='link'>TAN<\/span> in the shape of a static, coloured mosaic (hence the name &ldquo;Photo <span class=\"glossaryLink\"  aria-describedby=\"tt\"  data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;Transaction number (TAN)&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;This is a kind of one-off password which is used in addition to a password or PIN. TANs can be generated and displayed to users in different ways - e. g. mobile TANs (mTAN) which is transmitted by financial institutions to users via a SMS, or photo TANs, which are displayed after decrypting a coloured mosaic pattern.&lt;\/div&gt;\n\"  data-mobile-support=\"0\"  data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex='0' role='link'>TAN<\/span>&rdquo;) to your screen. This is recorded using your smartphone camera or a dedicated reader, and then decoded. The access code it contains is then displayed on your screen.<\/p>\n<p>Sometimes, potentially risky transactions such as conspicuous remittances have to be confirmed via this Photo <span class=\"glossaryLink\"  aria-describedby=\"tt\"  data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;Transaction number (TAN)&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;This is a kind of one-off password which is used in addition to a password or PIN. TANs can be generated and displayed to users in different ways - e. g. mobile TANs (mTAN) which is transmitted by financial institutions to users via a SMS, or photo TANs, which are displayed after decrypting a coloured mosaic pattern.&lt;\/div&gt;\n\"  data-mobile-support=\"0\"  data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex='0' role='link'>TAN<\/span> procedure, too. In addition to a verification code, this process can also be used to transfer detailed transaction data.<\/p>\n<p>This process protects against attacks which manipulate transactions (e. g. man-in-the-<span class=\"glossaryLink\"  aria-describedby=\"tt\"  data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;Browser&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;A special computer program to display websites on the World Wide Web (WWW) or data and documents in general. The most important browsers used on the Internet are Google Chrome, Mozilla Firefox, Microsoft Edge and Apple Safari.&lt;\/div&gt;\n\"  data-mobile-support=\"0\"  data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex='0' role='link'>browser<\/span> attacks), for as long as bank customers check the transaction data shown on their display for their accuracy before confirming.<\/p>\n<p><a href=\"https:\/\/www.ebas.ch\/wp-content\/uploads\/2019\/09\/Photo-TAN_en.svg\" class=\"ebas-media-link ebas-media-link\"><img decoding=\"async\" class=\"alignnone wp-image-3533 size-full\" src=\"https:\/\/www.ebas.ch\/wp-content\/uploads\/2019\/09\/Photo-TAN_en.svg\" alt=\"\"\/><\/a><\/p>\n<\/div><\/section><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-e2kbb-86d4495b00c389f290046e9e5f6e0589\">\n.flex_column.av-e2kbb-86d4495b00c389f290046e9e5f6e0589{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class=\"flex_column av-e2kbb-86d4495b00c389f290046e9e5f6e0589 av_one_fourth  avia-builder-el-3  el_after_av_three_fourth  avia-builder-el-last  ebas-sidebar flex_column_div av-zero-column-padding  \"><section class=\"av_textblock_section av-jvmf7hs6-2c9b129e1cb5a6a402d6c36dd4e0aff8 \" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\"><div class=\"avia_textblock\" itemprop=\"text\"><\/div><\/section><\/div>\n<\/div><\/div><\/main><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>In addition to your password, the Photo TAN process also uses a smartphone app or a specific reader. These are employed to record and encrypt optical information displayed on your log-in page.<\/p>\n","protected":false},"author":1,"featured_media":3451,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[26],"tags":[],"class_list":["post-7723","page","type-page","status-publish","has-post-thumbnail","hentry","category-logging-in-out"],"acf":[],"yoast_head":"<title>Photo TAN (Optical TAN process) - \u00abeBanking \u2013 but secure!\u00bb<\/title>\n<meta name=\"description\" content=\"In addition to your password, the Photo TAN process also uses a smartphone app or a specific reader. 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