mother's maiden names...

[Ian Brown]

Steven M. Bellovin wrote:
>>Cambridge Trust puts your picture on the back of your VISA card, for
>>instance. They have for more than a decade, maybe even two.
>
> One New York bank -- long since absorbed into some megabank -- did the 
> same thing about 30 years ago.  They gave up -- it was expensive then, 
> and may not have solved any real problems.  (Possibly, it simply didn't
> fit their real purpose of attracting more customers.)

They don't for example seem to reduce fraud -- shop staff don't compare 
the photo to the customer carefully enough:

R. Kemp, N. Towell, G. Pike, "When seeing should not be believing: 
Photographs, credit cards and fraud," Applied Cognitive Psychology Vol 
11(3) (1997) pp 211-222.

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