The SmartTAN procedure is a secure transaction procedure for online banking
that works in two steps, hence the name two-step TAN procedure. With two-step procedures, which also include
themobile transaction number (mTAN), the transaction and the transmission of the transaction number (TAN) take place separately in two steps. A logical link
is established between the online order and the generated transaction number. As with all other TAN procedures, the transaction number can only be used once, in this case only for the corresponding online order.
. After comparing and entering the transaction code with the recipient account number, the transaction number (TAN) is generated and displayed. It must then be entered by the customer. The Smart-TAN procedure is available in a further security level as SmartTAN plus, protected notation: