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>What do you reckon Jay!
> 
i reckon ya'll keep discussing - many interesting ideas
percolating up...there are several wants and needs to try
and balance out in this area - most of them come down to
a "security vs. convenience" continuum/tradeoff.
we've been discussing/planning ideas for security upgrades
for a while...some of the areas that have been brought up
on this list already:

1. anyone that can implant a keyboard sniffer or other virus
on your machine *owns* it. it is no longer trusted and you might
as well assume the bad guy is watching everything you input and
mutating everything that you are seeing.
2. PKI type devices require computational power that - in general
require an interface to the users computer to function. e.g. smart
card reader. at this point software on the users computer is back
in the equation. see bullet 1.
3. shared secret devices with a display (such as the cryptocard)
provide
a pretty good solution. they are physically divorced from the users
computer.
but they are relatively expensive - compared to smartcards. they do
lack
the mathematical non-repudiation of a PKI solution however. (i.e.
**shared**
secret means more than 1 entity knows the secret :)

what i would like to see happen is a user selectable 
option in this area. higher value account holders and
merchants able to choose to use more sophisticated
authentication and authorization devices. we have some
ideas for an entry level device that will be relatively
low cost, relatively easy to use, and relatively highly secure.
it won't be here today or tomorrow, but stay tuned...

* * * * * * 
the advice given here should be followed when possible:
http://www.counterpane.com/crypto-gram-0105.html#8
* * * * * *

jay w.
[EMAIL PROTECTED]

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