From 643502a2d28c785830ac13c2c6a128e66b0d4276 Mon Sep 17 00:00:00 2001 From: Florian Dold Date: Tue, 9 Jun 2020 14:05:13 +0530 Subject: protocols: some more information --- libeufin/banking-protocols.rst | 15 ++++++++++++++- 1 file changed, 14 insertions(+), 1 deletion(-) diff --git a/libeufin/banking-protocols.rst b/libeufin/banking-protocols.rst index 91c0f599..5e6f94ec 100644 --- a/libeufin/banking-protocols.rst +++ b/libeufin/banking-protocols.rst @@ -30,12 +30,22 @@ Thus this protocol is a good choice for the German market. FinTS / HBCI ============ -German home-banking standard. Only some banks allow authentication based on key pairs. +German home-banking standard. FinTS is the successor of the Home Banking +Computer Interface (HBCI), but older versions of FinTS are often still called +HBCI. + +The current version, FinTS 4.0, is not widely supported by banks yet. Starting with FinTS, +XML is used as a data format. Previous versions used a custom text/binary format. + +Only some banks allow authentication based on key pairs. Due to different interpretation of PSD2, other banks now only allow authentication methods that require interaction from the customer (SCA / Strong Customer Authentication). Payloads these days can be ISO20022 messages. +Examples: + * `GLS `__ + PSD2 ==== @@ -67,6 +77,9 @@ legal prerequisites. On a technical level, using PSD2 APIs usually requires having an `EIDAS `__ certificate. +Examples: + * `Sparkasse `__ + Bank-Proprietary APIs ===================== -- cgit v1.2.3