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[ NNSquad ] Researchers fault 3-D Secure (3DS) online credit card system


Researchers fault 3-D Secure (3DS) online credit card system

http://bit.ly/a1ygc6  (PC World)

I have never been a fan of birthday-based and "secret-question"-based
systems.  Birthday data is widely available, and many "secret"
questions tend to have answers that are more widely available than
one might think.

I usually suggest that when there's a concern, secret questions
should be answered with anything memorable other than the
"real" answer.  After all, is it really necessary to tell your
bank that your first dog's name was:

Harrison Garrison Bobble T. Bee
Cornelius Aurelius Rover McGee
Daniel Nathanial Hooligan Flea
Horowitz Huntington Climber McTree
Snooper O'Flarity Jumper Kerplop
Harrington Arrington Thadius Hop
Hopperty Hoppity Archibald Bame 
( "The Dog That Went to Yale" - Jim Copp )

Disturbingly, when I suggest this approach, the response I often get
is, "You mean I really don't have to enter the real answer?"

--Lauren--
NNSquad Moderator