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Re: Bank Of Montreal Online Security
From: Davin Enigl <davinenigl () comcast net>
Date: Fri, 02 Nov 2012 17:33:55 -0700

On 11/02/2012 12:07 PM, Mikhail A. Utin wrote:
Frankly, considering usual number of a bank customers,

 which could be up to 10 million, using anything better

 than a user name and a password create a technical

 problem for IT, meaning finally money.

Wrong. Bank of America uses "SafePass": a one time password card
("liquid paper" window) that generates numbers, 12 (six at a time with a
press of a button), accounting for 10^12 random numbers -- to
authenticate users to their on-line accounts. So far it's been optional,
leaving users to chose it or not. The users pay a small one-time fee. I
think I paid $20USD. They have been doing thins for about five years.

PayPal and eBay have way way more than 10 million users and they do it
too, -- again for about five years so far.

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