They have, however, been widely implemented in personal online banking, where they are known as Transaction Authentication Numbers ( TANs ).

Most of the attacks on online banking used today are based on deceiving the user to steal login data and valid TANs.

In Germany and many other countries like Austria and Brazil, those OTPs are typically called TANs ( for ' transaction authentication numbers ').

Some banks even dispatch such TANs to the user's mobile phone via SMS, in which case they are called mTANs ( for ' mobile TANs ').

TANs are a second layer of security above and beyond the traditional single-password authentication.

Should the physical document or token containing the TANs be stolen, it will be of little use without the password ; conversely, if the login data are obtained, no transactions can be performed without a valid TAN.

Typically, there are 50 TANs printed on a list, enough to last half a year for a normal user ; each TAN being six or eight characters long.

However, as any TAN can be used for any transaction, TANs are still prone to phishing attacks where the victim is tricked into providing both password / PIN and one or several TANs.

: Another way to provide TANs to an online banking user is to send the TAN of the current bank transaction to the user's ( GSM ) mobile phone via SMS.

The most secure way of using TANs is to generate them by need using a security token.

These token generated TANs depend on the time and a unique secret, stored in the security token ( two-factor authentication or 2FA ).

HBCI 2. 2 PIN / TAN ( or HBCI +) is an extension to HBCI that added a security method based on PINs and TANs, which had already been in use with BTX and web banking.

The risk of compromising the whole TAN list can be reduced by using security tokens that generate TANs on-the-fly, based on a secret known by the bank and stored in the token or a smartcard inserted into the token.

The bank verifies the TAN submitted against the list of TANs they issued to the user.

* The PIN / TAN system where the PIN represents a password, used for the login and TANs representing one-time passwords to authenticate transactions.

TANs can be distributed in different ways, the most popular one is to send a list of TANs to the online banking user by postal letter.

# The bank creates a set of unique TANs for the user.

It should be noticed that the remaining TANs remain uncompromised and can be used safely, even though action should be taken by the user as soon as possible.

Indexed TANs reduce the risk of phishing.

There have been contradictory reports from 1958 Delta 2, and the data quoted here are believed to be the more reliable.

As you approach the church on the Via D. Baullari you are passing within yards of the remains of the Roman Theatre of Pompey, near which is believed to have been the place where Julius Caesar was assassinated.

Mr. Hawksley said he believed there are a number of qualified city residents who would be willing to take the full-time CD job.

We today are not entitled to excoriate honest men who believed Parker to be downright pernicious and who barred their pulpits against his demand to poison the minds of their congregations.

The charges of the electron and proton are believed to be exactly equal and opposite, but Dr. Lyttleton is not so sure.

A number of causes are believed to be involved, including habitat destruction and modification, over-exploitation, pollution, introduced species, climate change, endocrine-disrupting pollutants, destruction of the ozone layer ( ultraviolet radiation has shown to be especially damaging to the skin, eyes, and eggs of amphibians ), and diseases like chytridiomycosis.

Also, a statistician may specify that logarithmic transforms be applied to the responses, which are believed to follow a multiplicative model.

At the start of a new industrial age in the 18th century, it was believed that " people are the riches of the nation ", and there was a general faith in an economy that paid its workers low wages because high wages meant workers would work less.

Most alphabetic scripts of India and Eastern Asia are descended from the Brahmi script, which is often believed to be a descendant of Aramaic.

The organosulphur compounds responsible for the characteristic odour are believed to have antioxidant, antibiotic and anticarcinogenic properties, to stimulate the immune system and to be protective of liver functioning.

After 1180 BC, the Hittite empire disintegrated into several independent " Neo-Hittite " states, subsequent to losing much territory to the Middle Assyrian Empire and being finally overrun by the Phrygians, another Indo-European people who are believed to have migrated from The Balkans.

Early human settlements are believed to have been established on Achill around 3000 BC.

Schweitzer notes that St. Paul apparently believed in the immediacy of the " Second Coming of Jesus ": " Then we which are alive and remain shall be caught up together with them in the clouds, to meet the Lord in the air: and so shall we ever be with the Lord " ( 1 Thessalonians 4. 17 ).

According to RFE / RL, comparable sums are believed to be transferred through non-bank systems, implying that cash remittances make up approximately 30 percent of Armenia's GDP in the first half of 2008.

" The story is apocryphal and they are believed to have scored at least one two among the singles.

They are believed to have enjoyed a happy marriage.

As of 2012, less than 50 Apple I computers ( with only six in working order ) are believed to exist, making it a very rare collector's item.

In Shinto, spirits of nature, or kami, are believed to exist everywhere, from the major ( such as the goddess of the sun ), which can be considered polytheistic, to the minor, which are more likely to be seen as a form of animism.

Their most widely known ethnonym is derived from the word ainu, which means " human " ( particularly as opposed to kamui, divine beings ), basically neither ethnicity nor the name of a race, in the Hokkaidō dialects of the Ainu language ; Emishi ( Ebisu ) and Ezo ( Yezo ) ( both ) are Japanese terms, which are believed to derive from another word for " human ", which otherwise survived in Sakhalin Ainu as enciw or enju.

It is believed that there are no remaining living descendants of the Kamchatka Ainu.

Amaranth greens are believed to help enhance eyesight.

There are for example fragments in ' Sapphic ' meter praising the Dioscuri, Hermes and the river Hebrus ( a river significant in Lesbian mythology since it was down its waters that the head of Orpheus was believed to have floated singing, eventually crossing the sea to Lesbos and ending up in a temple of Apollo, as a symbol of Lesbian supremacy in song ).

It may also have been to secure the release of the king from a vow to go on pilgrimage, if sources from after the Norman Conquest of England are to be believed.