From what I remember, The "key fob thingie" continually generates a new 8-digit random number once every minute. So even if malicious users had your account name and could theoretically brute-force your password, it would be nigh-impossible to synch up with the numbers with out the device. I can't say how the mobile apps work, but I suspect they just connect to the central database thing and just display the current iteration for your ID.
It's an extra layer of security, but is a right pain in the ass if you lose your device/phone.
---
The Master said: "It is all in vain! I have never yet seen a man who can perceive his own faults and bring the charge home against himself."
>Analects: Book V, Chaper XXVI
It's an extra layer of security, but is a right pain in the ass if you lose your device/phone.
---
The Master said: "It is all in vain! I have never yet seen a man who can perceive his own faults and bring the charge home against himself."
>Analects: Book V, Chaper XXVI