The wisdom of the ill informed

[Ben Laurie]

Ivan Krsti? wrote:
> On Jul 1, 2008, at 12:46 PM, Perry E. Metzger wrote:
>> My experience with European banks is quite limited -- my consulting
>> practice is pretty much US centric. My general understanding, however,
>> is that they are doing better, not worse, with login security.
> 
> 
> As a data point, the largest bank in Croatia used to mail customers 
> pre-printed TAN lists. Some number of years ago, they switched to 
> (non-SecurID) tokens which require a 4-digit PIN to turn on, and then 
> provide two functions: a login OTP and a challenge/response system for 
> authorizing individual transactions. Your username is simply the token's 
> serial number, though it's not clear if these are in fact serial.

Barclay's Bank in the UK uses little chip&pin machines you put your
debit card into and provide the same functions as Ivan describes above.

I have a spare one I've been meaning to dissect to see what's inside
them. I wonder where I put it?

Cheers,

Ben.

-- 
http://www.apache-ssl.org/ben.html           http://www.links.org/

"There is no limit to what a man can do or how far he can go if he
doesn't mind who gets the credit." - Robert Woodruff

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