[access-uk] Re: chip & pin banking

  • From: "Paul Bepey" <paul@xxxxxxxxxxxxxxxxxx>
  • To: <access-uk@xxxxxxxxxxxxx>
  • Date: Wed, 16 May 2007 14:51:09 +0100

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."


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