A sign-in method where the server sends a puzzle and the user's device answers it, so the password never travels.
Like a guard who asks a question only someone with the secret can answer, and asks a new one each time.
Network covers the firewall and remote-access settings where such methods are chosen.
Is it secure?
It is better than sending a password, though newer methods are stronger.

Every WILDCARD card exists to solve one named problem. Find yours.