Hi, anybody here have experience using GRC.com's PPP?

https://www.grc.com/ppp

I've read up on this kind of system,

http://en.wikipedia.org/wiki/Transaction_authentication_number

and it seems like it would increase the security of a Web service as
compared to just using a static password alone.

The weak point I see immediately would be how you get the password
sheet to the user in the first place... it'd have to be mailed I
guess, to go out of band, for maximum security.

Anyway, just curious if anyone has operational experience with it and
is willing to share it.

Thanks,
Aleksey
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