I like point 13 where you highlight how the system is doesn't work. In anycase I doubt that this patent is any more valid outside of the blackholing part and I hope this gets stuck in some lengthy patent legal argument preventing anyone from using it! :-) Why not ask the banks to be responsible net users and protect their customers properly with Token based authentication. Banks in Switzerland have done this successfully. Regards, Neil.
Just to ease peoples concerns, the patent has nothing to do with blackholing. A brief description of the way it works can be found here:
http://www.scamslam.com/ScamSlam/whatis.shtml
We have not disclosed the site address to the "public" at this stage, the text of the site is only draft form for the purposes of editing and needs to be "polished". Perhaps the article wasn't as articulate in conveying this, but I'm sure you appreciate journalists sometimes don't get it right :)