Bit of a late reply but almost all companies use something called a digipass, you insert your card and input a challenge code and your pin. https://i.imgur.com/

Bit of a late reply but almost all companies use something called a digipass, you insert your card and input a challenge code and your pin. https://i.imgur.com/10OChcv.jpg https://i.imgur.com/10OChcv.jpg