User Guide for the Internetbanking - PPF banka a.s. - Part II - Certificates, OTP codes, SMS codes and working with Tokens

Sep 4, 2026

Upload by Jacob

This guide explains secure authentication for Internetbanking (IB) by covering the use of one-time password (OTP) codes, SMS challenge-response codes, and digital certificates. It describes how hardware OTP tokens generate time-based codes, validity windows, and how to enter and confirm codes within strict time limits. It also outlines the purpose of certification tokens and the practical steps involved in downloading required software, libraries and drivers, changing PINs, generating, renewing, and removing invalid certificates.

LanguageEnglish

CategoryTechnology

FormatPDF

Pages27

Reading Time1 h 8 min

AccessFree to download

Introduction

OTP codes and working with a Hardware OTP Token

What is a Hardware OTP Token?

SMS codes

Certificates and working with the Certification Token

Certification Centre

Downloading the SW for the correct operation of Internetbanking

Downloading the library for working with an electronic key (an applet for the encryption of data)

Downloading drivers for the Certification Token

Downloading the SW for the administration of the Certification Token

Changing the PIN for the Certification Token

Generation of the Certificate

Renewing a Certificate

Deleting an invalid Certificate

USER GUIDE FOR THE INTERNETBANKING of PPF banka a.s. Part II: Certificates, OTP codes, SMS codes and working with Tokens Contants: 1. Introduction .......................................................................................................................................3 2. OTP codes and working with a Hardware OTP Token.....................................................................3 3. SMS codes .......................................................................................................................................4 4. Certificates and working with the Certification Token.......................................................................5 4.1. Certification Centre ...................................................................................................................5 4.2. Downloading the SW for the correct operation of Internetbanking...........................................6 4.3. Downloading the library for working with an electronic key (an applet for the encryption of data) 9 4.4. Downloading drivers for the Certification Token.................................................................... 12 4.5. Downloading the SW for the administration of the Certification Token ................................. 15 4.6. Changing the PIN for the Certification Token ........................................................................ 18 4.7. Generation of the Certificate.................................................................................................. 19 4.8. Renewing a Certificate .......................................................................................................... 22 4.9. Deleting an invalid Certificate ................................................................................................ 25 1. Introduction For greater clarity, the User Guide is divided into several parts, which are separate documents. This part describes work with Tokens and Certificates. The rest of the information relating to IB is provided in the other parts of the User Guide. Where terms, abbreviations or phrases beginning with capital letters are used in this User Guide, their meaning will be as defined in the article “Definition of Terms” in the GBC and/or SBC, or, where applicable, as specified in the individual provisions of the GBC and/or SBC and/or this User Guide. 2. OTP codes and working with a Hardware OTP Token An OTP code is a single-use numerical code (OTP = One-Time Password) . OTP codes are continuously generated every 60 seconds and work on the basis of synchronisation between the Bank’s authentication server and the User’s OTP Token (they are so-called “time-based codes”) . An OTP code is always valid only for a single operation (logging into IB, authorization of a Payment Order or request, creation of a notification etc. ) . The generated OTP code must be entered and confirmed for the operation performed within 10 minutes of its generation (NOT of its being displayed!) . OTP tokens display the currently generated OTP code – they do not generate this code only atthe moment when it is displayed. Only the Hardware OTP Token sold by the Bank may be used to generate and display OTP codes. | What is a Hardware OTP Token?
The Hardware OTP Token is an eToken PASS device produced by SafeNet Inc. It is a small electronic device resembling a miniature MP3 player. It is an OTP code generator which provides strong two-factor authentication. | | | --- | --- | | Unlike a Certification Token, this solution is operating system independent, and Users do not have to install any supporting software or drivers - its advantage is therefore that it offers maximum mobility. It also eliminates the problems with generating Certificates.
The built-in battery has a life of up to 7 years or 14,000 displayed OTP codes – so that, for example, if ten codes are displayed per day the Hardware OTP Token will have a lif

FAQs

How long are OTP codes valid, and how should they be entered in IB?

OTP codes are valid only for the specific operation. Enter and confirm the generated code within 10 minutes of its generation, not of when it is displayed.

What is the difference between OTP codes and SMS codes?

OTP codes are time-based and generated continuously, while SMS codes follow an event-based (challenge-response) approach and are sent only after certain actions.

How do users generate and manage certificates with a Certification Token?

The guide directs users to use the Certification Centre, download the required software, libraries and drivers, change the token PIN, then generate certificates, renew them when needed, and delete invalid certificates.

Sep 4, 2026

Upload by Jacob