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=== Hard copies === [[File:Internet banking code card 20180728.jpg|thumb|right|Paper-based OTP.]] In some countries' online banking, the bank sends to the user a numbered list of OTPs that is printed on paper. Other banks send plastic cards with actual OTPs obscured by a layer that the user has to scratch off to reveal a numbered OTP. For every online transaction, the user is required to enter a specific OTP from that list. Some systems ask for the numbered OTPs sequentially, others pseudorandomly choose an OTP to be entered.
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