USB card readers? HW devices? Generate 'the' code? What the...? I do online banking with three banks and none of them has any of that crap. You need three things, most commonly 1) username or login ID, 2) password and 3) some kind of secondary authentication code that you specify when you register. None of that changes in real time. You can change 2) and 3), sometimes 1) in your preferences. You can log in from any browser anywhere in the world, no proprietary app necessary.