For PC banking, the bank has provided me with a digipas, on which I receive a code with which I can log into my bank account. How does the PC detect if this is the correct code? Is this just a counting system or some formula that automatically ends up with the next code, programmed in both digipas and at the bank? How does this work?
Answer
Dear Hilde,
The Digipass displays a number code (token), which is also calculated by the bank’s computer. The bank’s computer and your Digipass work in exactly the same way. They both have an internal clock that is synchronized. In addition, they have the same serial number and algorithm. Based on the time, serial number and algorithm, the Digipass calculates a new code every minute. The bank’s computer does the same at the same time. This way the computer knows which numerical code has calculated your Digipass and you may or may not have access to your accounts. You will only be granted access as a user if both numbers match. The numerical code is only valid for a limited time (usually a maximum of one minute). This makes the Digipass much more secure than a classic password. Moreover, no one can use your Digipass without your PIN code, which provides extra security.
Answered by
dr. Karolien Lefever
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