Hi Tor Talkers and Mr. Nobody,

you wrote: 
As far as I know, to implement 2 factor authentication in terms of the
codes that many websites have, the only thing you need is to generate
random numbers coming from seed that the webpage/bank you want to
authenticate to know. This simple setup by no means need to be privacy
invading.

You are right and perhaps we mean the same but saying it differently. the 
calculation should be done outside the device you use to enter the 
authentication code. the calculation may be even done by human's brain but then 
it may be necessary to have a randomly changing icon-set at a click-input-box 
so you have a sort of encryption after calculation like a display of a keyboard 
with an unusual appearance/setting of all keys. then it is not only important 
to proof the correct input but also the time it was needed to do so. humans are 
slower than machines.

at the cashpoint in supermarkets or banks you press your PIN on metal or 
plastic numbers, someone could easily take a thermic picture when you are 
already out of sight and the more heated numbers are pressed at last. sure you 
can place your hand on all numbers to avoid that.
when the numbers are randomly assembled on a display a thermic picture would 
not help and not a video from a far to look where your fingers where in case 
only at a certain ankle the display could be seen good enough.
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