How about one-time pads? (Score 1)

My bank uses one-time pads as a method of authentication. It really is easy. I have a paper with 50 passwords, they're used as passwords in the order listed in the paper, and each password expires after use. Once I have used my passwords, the bank sends me a new set of passwords (through "real" mail). If implemented properly, this combined with SSL should be really secure.