Final answer:
Two-factor authentication (2FA) uses a security token to generate a one-time password (OTP) for enhanced security. The OTP is unique for each session and expires quickly to prevent unauthorized access.
Step-by-step explanation:
The technology being referred to in the question is known as two-factor authentication (2FA) or multi-factor authentication (MFA). This system enhances the security of accounts and sensitive information by requiring two different types of evidence that the user is who they claim to be. The security token mentioned is a physical device or a software-based token that generates a one-time password (OTP) or value. Every time a user attempts to access a service, the token provides a unique password which can only be used for a single session or transaction. Typically, the OTP has a short expiration time, which significantly reduces the opportunity for unauthorized use compared to static passwords.