On Tue, 17 Aug 2004 Michael.Dillon@radianz.com wrote:
Barclays also uses a "memorable word" in addition to the PIN code. They repeatedly tell us that no-one from Barclays will ever ask us to reveal this memorable word. It's only use is for a simple challenge-response where the website asks for two specific letters from the word and we select them from drop-down boxes to defeat keyloggers. Nice example of layered security that keeps the criminals snapping at the heels of the guy next door, i.e. CitiBank et al.
Lots of european banks issue sheets of onetime passwords.
--Michael Dillon
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