If it is going to generate a unique code each time it is used, it will be totally unworkable for anyone with little or no sight. unless it provides Speech output which I very much doubt. At least HSBC are using common sense and not going down this path! Regards; Paul Bepey=20 Email - paul@xxxxxxxxxxxxxxxxxx Mobile - 07968699472 -----Original Message----- From: access-uk@xxxxxxxxxxxxx [mailto:access-uk@xxxxxxxxxxxxx] On Behalf Of Dj Paddy Sent: 16 May 2007 14:31 To: access-uk@xxxxxxxxxxxxx Subject: [access-uk] Re: chip & pin banking I think the card readers will probably be usable enough providing you get a=20 bleep from the device and/or the onlien system tells you to enter your pin,=20 now. If it's anything like the chip and pin device in the shop there shouldnt' be=20 too much problems. Loyds system sounds completely unworkable for someone with little or no=20 sight. I wonder if the missing 5% where blind people? I'm not a lawyer but I can see these contravening all kinds of areas of the=20 DDA's goods and services. Thanks for making us all aware of this Derek. Dj paddy =D4=E0=06 ----- Original Message -----=20 From: "Derek Hornby" <derek.hornby_uk@xxxxxxxxxxxxxxx> To: <access-uk@xxxxxxxxxxxxx> Sent: Wednesday, May 16, 2007 1:54 PM Subject: [access-uk] Re: chip & pin banking This was in The Guardian Saturday 12th May Guardian Money asked the big banks whether and how they intend to introduce the chip and pin at home readers. This is what they say: Barclays "We have ordered 500,000 PinSentry readers, which we intend sending out in late summer starting with small businesses, and then internet banking customers who make payments to organisations other than utilities, credit cards and similar trusted names. But we will also send one to anyone who requests it - you won't be able to pay an unknown third party account without PinSentry. " NatWest/Royal Bank of Scotland "We have a programme that will eventually see our online customers equipped with card readers, starting in the early summer with a phased roll-out over the following few months. We shall start with our business customers and then move on to those who make frequent online payments and then to most of our other internet account holders. They will be necessary to set up new payments or to change standing orders. We intend to make them easy to replace if lost, damaged or stolen." Lloyds TSB "We shall send out a "dongle" [below] - it's a keyring-style gadget that will generate a number that is unique to each transaction. Unlike the calculator-style card readers, our machine has an in-built chip so you don't need a card or its associated PIN number. We have been testing this "access code device" for 18 months with 23,500 customers. It has been a 100% success, with 95% of customers rating it easy to use. We shall roll this out later this summer." HSBC/ First Direct "We don't want to make internet banking more complicated than it has to be, although we could introduce extra measures in the future. Our experience of fraud is different and better than our competitors so while we shall offer our customers faster payments in November, introducing any additional security devices that customers will see is not on our radar at the moment." Halifax/Bank of Scotland "We realise that customers will want the reassurance of added security when the faster payments programme starts in November. But we have not yet fully committed to a particular technology. We may go beyond the handheld gadget to another form of security - we want a mobile and unobtrusive system. This will be rolled out in the autumn." Nationwide "We plan remote card readers for online customers later this year. These will be the next generation of fraud prevention technology, adding an extra level of security." Abbey "We have no immediate plans to bring in extra technology. We shall see if chip and pin readers have any substantial impact on the fraud experience once faster transactions start. We shall not make a decision until then, so our customers will not see any change for the moment." ** To leave the list, click on the immediately-following link:- ** [mailto:access-uk-request@xxxxxxxxxxxxx?subject=3Dunsubscribe] ** If this link doesn't work then send a message to: ** access-uk-request@xxxxxxxxxxxxx ** and in the Subject line type ** unsubscribe ** For other list commands such as vacation mode, click on the ** immediately-following link:- ** [mailto:access-uk-request@xxxxxxxxxxxxx?subject=3Dfaq] ** or send a message, to ** access-uk-request@xxxxxxxxxxxxx with the Subject:- faq ** To leave the list, click on the immediately-following link:- ** [mailto:access-uk-request@xxxxxxxxxxxxx?subject=3Dunsubscribe] ** If this link doesn't work then send a message to: ** access-uk-request@xxxxxxxxxxxxx ** and in the Subject line type ** unsubscribe ** For other list commands such as vacation mode, click on the ** immediately-following link:- ** [mailto:access-uk-request@xxxxxxxxxxxxx?subject=3Dfaq] ** or send a message, to ** access-uk-request@xxxxxxxxxxxxx with the Subject:- faq ** To leave the list, click on the immediately-following link:- ** [mailto:access-uk-request@xxxxxxxxxxxxx?subject=unsubscribe] ** If this link doesn't work then send a message to: ** access-uk-request@xxxxxxxxxxxxx ** and in the Subject line type ** unsubscribe ** For other list commands such as vacation mode, click on the ** immediately-following link:- ** [mailto:access-uk-request@xxxxxxxxxxxxx?subject=faq] ** or send a message, to ** access-uk-request@xxxxxxxxxxxxx with the Subject:- faq