This is a question solely to satisfy my curiosity.
Here in Norway, the netbanks usually use the (physical) key calculator that all account holders have. You enter your personal contact in the key, and it generates an eight-digit code that you can use to log in to the Internet. The device itself is not connected to the network.
Does anyone know how this system works?
My best guess is that each key has a preformed sequence of stored numbers. Thus, the login process will fail if you dial an already used number or a number that is too far in the future. He probably also uses an internal clock to generate numbers. So far, none of my peers programmers have been able to answer this question.
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In particular, I am curious how this is done in Norway.
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