Where in the OPs post did he say he wanted to bypass security procedures? All I'm getting from his question is that he wants to use an alternate interface. That is, instead of using a web browser (over the accepted transport protocol HTTP, one hopes S) he'd like to access it via a perl script (over same said protocol). Since when is that not a legitimate desire? Any security measure that does not rely on the security of information shared only by the bank and the customer (password/TAN), but instead on obscurity of the way this information is verified, is bound to be inherently broken. If this were essential to the "security" of access, exposing this flaw could only be good for the customers, and thereby the bank itself
Thinking about it, you must either not know very much about web security or have some vested interest in keeping the workings of Chase online banking as obscure as possible. Which is it?
And that last paragraph pontificating about others pontifications is just ridiculous. Tone it down
BUKky, you're losing it.