Editing FinTS (section)

==Versions==
=== HBCI 2.2 PIN/TAN ===
'''HBCI 2.2 PIN/TAN''' (or '''HBCI+''') is an extension to HBCI that added a security method based on [[Personal Identification Number|PIN]]s and [[Transaction authentication number|TAN]]s, which had already been in use with [[bildschirmtext|BTX]] and [[web banking]].

=== FinTS 3.0 ===
For version '''3.0''', which formally introduced the PIN/TAN method, the specification was renamed to '''FinTS''', whereas the original DSA- and RSA-based security method retained the name '''HBCI'''.

=== FinTS 4.0 ===
In version '''4.0''', the basic message syntax was switched over to [[XML]]. Further, the number of roundtrips necessary was reduced, allowing asynchronous communication (e.g. via [[SMTP]]) for simple transaction dialogues.