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Modern banking practices now require customers to utilise a range of security tools that reduce the potential for fraud. The security token keypad is one of these.
By having a very precisely controlled oscillator built into the the token's digital circuitry, the token can be triggered to display a number that matches the number produced by a similar generator attached to the bank's internet banking computers. This match proves that the token being used is the one associated with the account being accessed. If the user enters the correct customer number, and enters a set of correct answers to specific questions, access to the account is provided.