TellerPass is an autonomous Java SIM card that generates dynamic PINs for authentication in ATM, web banking, and phone banking transactions. It provides a single security application to protect multiple banking issuers on the same SIM card. TellerPass uses time synchronization and sliding windows of active PINs to authenticate users and prevent man-in-the-middle attacks without requiring users to remember static PINs. It offers advantages such as minimal cost, instant access to banking services, and a high degree of security.