Kaay Display-TAN
German

Display-TAN - Mobile Banking as it is supposed to be: Secure and Mobile

Display-TAN is a TAN-generator integrated into the bank card, including display and Bluetooth.

Display-TAN is the only Mobile Banking method which is secure and mobile at the same time:

• Display-TAN is secure because the TAN is generated on the bank card - not on the smartphone!

• Display-TAN is mobile in the sense that for Mobile Banking the customer doesn't need more than what he carries anyway: smartphone and bank card.

Moreover, Display-TAN is convenient because Display-TAN requires no typing - just clicking!

Of course, with Display-TAN one cannot only secure Mobile Banking, but also Online Banking and Online Payments.


Uniqueness of Display-TAN

Call a Mobile Banking method mobile if for Mobile Banking the customer doesn't need more than what he carries anyway.

Call a Mobile Banking method trojan-secure if a smartphone trojan alone cannot execute a fraudulent money transfer, but a fraudulent money transfer money can only be executed if the bank customer is not attentive or if he is led to do something wrong.

With these definitions, Display-TAN is the first and only Mobile Banking method which is trojan-secure and mobile:

Therefore, if a bank wants to offer their customers a trojan-secure and mobile Mobile Banking method, its only choice is Display-TAN!

Base Information

Video Mobile Banking

Hardware. The main element of the Display-TAN method is a bank card which has a display and a Bluetooth module - and nevertheless is thin, flexible, robust and durable like a usual bank card.

Security. The security of Display-TAN comes from the fact that everything security-critical takes place on the secure card (not on an insecure end device like PC, Laptop, Tablet, Smartphone): (1) The storage of the secret key, (2) the tamper-proof re-visualization of the payment data, and (3) the generation of the TAN. The Bluetooth connection is fully encrypted.

Usability. The bank customer does not need an extra TAN-generator device. This is especially useful in the case of Mobile Banking because the customer does not need anything more than what he carries anyway: smartphone and bank card. Moreover, the bank customer does not need to type anything - just checking and clicking is enough. Even long account numbers like IBAN can be confirmed conveniently with a few clicks.

Online Payment. With the rise of Sofort, Trustly, etc., more and more Internet payments are nowadays executed as money transfers. This way, Display-TAN automatically becomes an Internet Payment method. Display-TAN is much more secure than PayPal or credit cards but nevertheless is of nearly comparable usability (no extra device, no typing besides username/password).

Base Information about the Card

Durability: 5 years and 1800 money transfers.

Availability: Now.

How does it work?

Mobile Banking. The new method is shown from a user's perspective for Mobile Banking - for which is Display-TAN is suited especially well.

DisplayTAN

Note that the bank customer does not have to type anything during TAN generation - just checking and clicking is enough.

DisplayTAN
IBAN (Netherlands)

More Workflows

For more workflows like Online Banking and Payment see the Workflow page.

IBAN

The new European IBAN destination bank account numbers can conveniently be confirmed with 3 or 4 clicks by the bank customer, line per line, see example to the right and the IBAN page.

More Information

For more details concerning the Display-TAN method see the More Information page:

Comparison of Display-TAN with Smartphone-TAN (= App-TAN)

Most banks in Europe are offering nowadays a Smartphone-TAN (= App-TAN) method to their customers, or have it in their pipeline. Smartphone-TAN addresses like Display-TAN the topic Mobile Banking without extra device. In other words, Display-TAN positions itself as a competitor to Smartphone-TAN, so it needs to be compared in terms of security/usability/costs: see this extra page.

The result of the comparison: Display-TAN is significantly more secure and even slightly more convenient, but significantly more expensive than Smartphone-TAN.

Smartphones/Tablets for Display-TAN

Basically, all smartphone models since 2013 do have the necessary Bluetooth version Bluetooth Smart, formerly called ''Bluetooth Low Energy BLE''.

Some PCs and Laptops also may have BLE ability, so they may contact the Display-TAN card directly.

Press

30. Mai 2016, IT-Finanzmagazin, B.Borchert: PSD2 und die Sicherheit von Mobile Banking

1. Mai 2016, Cards Karten Cards, B.Borchert: Display-TAN: Die Bankkarte als TAN-Generator

12. Mar. 2016, BankingNews/Banking Club: Display-TAN: Die Zukunft des Online- und Mobilebanking?

Older Press

Related News

12. 9. 2016, IT-Finanzmagazin/ibi: Kreditkarte ist günstigstes Online-Bezahlverfahren

26. 8. 2016, IT-Finanzmagazin: BVR - girocard kontaktlos

26. 8. 2016, Die Zeit: iPhone Trojaner Pegasus

22. 8. 2016, Payment Eye (GB): PSD2-RTS

12. 8. 2016, EBA: Consultation on RTS specifying the requirements on strong customer authentication and common and secure communication under PSD2

12. 8. 2016, IT-Finanzmagazin: Masterpass steht neben Paydirekt, wie die Mastercard neben der Girocard

10. 8. 2016, Heise: Australische Banken wollen Apple zwingen, NFC auf iPhones freizugeben

25. 7. 2016, Techcrunch: NIST declares the age of SMS-based 2-factor authentication over

6. 6. 2016, Technology Review: Online-Banking: Mobile Ziele

6. 5. 2016, Password Day (Lady, not young): MFA - Multi-Factor Authentication

Older News

Why Bluetooth and not NFC?

iPhone/iPads.The main reason to prefer Bluetooth (BLE) over NFC is that this way also iPhones and iPads are reached.

Display-TAN Apps

Apps. The Display-TAN Android app and the Display-TAN iOS app are available on Google Play and on Apple App Store, resp. - search for 'display tan'.

SDK. Libraries/SDKs for the core functionality of Display-TAN are in preparation for Android und iOS.

Display-TAN Project

Display-TAN is a joint project of SmartDisplayer Inc., Taiwan, and Borchert IT-Sicherheit UG, a spin-off of Tübingen University, Germany. The cards are offered by SmartDisplayer Inc., while Borchert IT-Sicherheit UG takes care of the software, especially the smartphone software.

More Information

Flyer Display-TAN

More InformationDisplay-TAN AppsMore FunctionalitiesLinksContact
Workflows
IBAN
Comparison with App-TAN
More Information
Instructions Android App
Instructions iOS App
Online Banking Demo
OCRA/Interface
Display-PIN
Seed perso
nfc-tan.com
smartdisplayer.com
borchert-it-sicherheit.com
YouTube Playlist ''Technology Cards''
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