| http://www.w3.org/ns/prov#value | - Yes, same here in Switzerland at UBS. I have a SmartCard and a reader, and I have a PIN, and then there is some sort of challenge/response magic going on.There was an article in the newspaper recently, and they compared the various authentication-mechanisms used for Swiss bank accounts, unsurprisingly, the outcome was that UBS had the most secure as well as the most user-unfriendly authentication p
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