Transaction authentication number: Difference between revisions

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changing adverb "in" and preposition "to" —> preposition "into"—wikt:inwikt:wikt:towikt:into—http://public.wsu.edu/~brians/errors/into.html—User:Wavelength/About English/Expressions "into" and "in to"
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Indexed TANs reduce the risk of phishing. To authorize a transaction, the user is not asked to use an arbitrary TAN from the list but to enter a specific TAN as identified by a sequence number (index). As the index is randomly chosen by the bank, an arbitrary TAN acquired by an attacker is usually worthless.
 
However, iTANs are still susceptible to [[man-in-the-middle attack]]s, including phishing attacks where the attacker tricks the user into logging in tointo a forged copy of the bank's website and [[Man-in-the-browser|man-in-the-browser attacks]]<ref name="symantec">Candid Wüest, Symantec Global Security Response Team [https://www.iriss.ie/iriss/Candid_Wueest.pdf ''Current Advances in Banking Trojans?''] iriss.ie, Irish Reporting and Information Security Service, December 2, 2012 (PDF; 1,9 MB)</ref> which allow the attacker to secretly swap the transaction details in the background of the PC as well as to conceal the actual transactions carried out by the attacker in the online account overview.<ref>[http://winfuture.de/news,59152.html ''Katusha: LKA zerschlägt Ring von Online-Betrügern''] WinFuture.de, October 29, 2010</ref>
 
Therefore, in 2012 the [[European Network and Information Security Agency|European Union Agency for Network and Information Security]] advised all banks to consider the PC systems of their users being infected by [[malware]] by default and use security processes where the user can cross-check the transaction data against manipulations like for example (provided the security of the mobile phone holds up) [[#Mobile_TAN_.28mTAN.29|mTAN]] or smartcard readers with an own screen including the transaction data into the TAN generation process while displaying it beforehand to the user ([[#chipTAN_.2F_cardTAN|chipTAN]]).<ref>[http://www.enisa.europa.eu/media/press-releases/eu-cyber-security-agency-enisa-201chigh-roller201d-online-bank-robberies-reveal-security-gaps ''“High Roller” online bank robberies reveal security gaps''] European Union Agency for Network and Information Security, July 5, 2012</ref>