[ams6110]

First time I used a 2FA device was an RSA "Safeword Card" which looked like a small handheld calculator and would display a multi-digit code that changed every minute or so. This was in 1998 and it had been put into use before that.

[mc32]

I think Sun Micro had deployed those to all their engs, perh others too. I think it had a PIN which when entered displayed the code which was valid for a min.

[ams6110]

Yeah, you're right. The rotating number device (with no PIN entry) came later.

[plussed_reader]

You never possessed a bank or credit card prior to 1998?

Isn't the account on the card + your pin 2FA?