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https://en.m.wikipedia.org/wiki/Transaction_authentication_number#ChipTAN_/_Sm@rt-TAN_/_CardTAN
It’s a 2FA using your online login (1st factor) and an one time password generator (2nd factor) to authorize money transactions.
The USB is needed to power the generator and has no data transfer option.
Ah, that seems awesome! Im assuming that is unavailable in the States?