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You've forgotten your password? Excellent!
Forgetting your password is a good way to start - the start of higher security. What is even better, is to have a billion passwords which you yourself don’t even know. This is the concept behind the SecOVID system.
Without a PIN the one-time password is useless, and without the SecOVID device the PIN is useless. This is precisely the strength of two-factor authentication: knowledge (PIN) and possession (token).
SecOVID = Secure One Time Verification and IDentification
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