On Nov 18, 2013, at 11:03 AM, Bill Rising <[email protected]> wrote:

> I am in the same camp as your friends. Having a portal with open access to a 
> checking account seems far more dangerous to me than someone having a credit 
> card number.

I guess I should have elaborated about my use of PayPal. My PayPal 
authentication includes one of those pseudo-random dongles they supply. Every 
time I use PayPal, after giving my user name and password, I also have to 
supply the number from the device. The number is generated using a secret 
elliptic algorithm, depends on my personal key dongle and changes every few 
minutes. This seems pretty secure to me.






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