Originally Posted by FleshJosh

Etrade has this pretty cool thing where when you go to login to your account, you enter your username/password then it asks you to input the code from a keychain/keyfob thing they give you when you sign up. They send a code that is good for 30 seconds to the keychain. It seems that if credit cards had this same type of system or something similar, it could be pretty useful in stopping fraud.