There's also this sort of thing:

https://www.paypal.com/us/cgi-bin/webscr?cmd=xpt/cps/securitycenter/gene
ral/PPSecurityKeyFAQ-outside

aka:

http://hurl.it/pH  

I believe verisign will soon be offering an authentication API so that
others can use their fobs.

And there's always client-side certificates too.  How much inconvenience
is your clients willing to inflict on its end-users?

-----Original Message-----
From: Discussion of advanced .NET topics.
[mailto:[EMAIL PROTECTED] On Behalf Of Robert Lee
Sent: Monday, November 19, 2007 9:41 AM
To: ADVANCED-DOTNET@DISCUSS.DEVELOP.COM
Subject: Re: [ADVANCED-DOTNET] Increased Security

I've noticed more banks and credit card companies doing this sort of
additional authentication (pictures, passphrases, etc).

For instance my bank recently had me choose 3 security questions from a
list of about 10. Things like the name of the city you were born in,
favorite color, fathers middle name etc. I have to randomly answer one
of these things each time I log in, along with my normal user name and
password. The site will allow me to "remember this computer" and skip
the question next time, but I notice that if I log in from a different
computer, and then go back to the original one, I am required to reenter
the additional item (so the system is tracking the last machine that
authenticated as well).

-Rob

-----Original Message-----
From: Discussion of advanced .NET topics.
[mailto:[EMAIL PROTECTED] On Behalf Of Paul Cowan
Sent: Monday, November 19, 2007 12:21 PM
To: ADVANCED-DOTNET@DISCUSS.DEVELOP.COM
Subject: Re: [ADVANCED-DOTNET] Increased Security

All this is still open to phishing is one worry.

[EMAIL PROTECTED]



> Date: Mon, 19 Nov 2007 12:18:22 -0500> From: [EMAIL PROTECTED]> Subject:
Re:
[ADVANCED-DOTNET] Increased Security> To:
ADVANCED-DOTNET@DISCUSS.DEVELOP.COM> > that bank might be "bank of
america".> > you enter your username...and click "login"..> > then they
present you with a picture (that you previously chose from a> gallery of
20 or so)....if that picture matches the one you originally> picked and
the description of said picture matches the description you> entered
when you picked it...the user is expected to enter their password in>
the privuded textbox and click a "login" button again....> > i wouldn't
call this "challenge/response"...i'd call it.. "does this piece> of
personal info match 'you'".> > you caould add a similar concept...by
maybe using existing user information> instead of a picture....like the
dollar amount of their
last> transaction....the name of their street (no house number, no
zipcode...just> "Commonwealth Ave")...the last login date.> > > > >
-----Original Message-----> From: Discussion of advanced .NET topics.>
[mailto:[EMAIL PROTECTED] Behalf Of Paul Cowan>
Sent:
Monday, November 19, 2007 12:14 PM> To:
ADVANCED-DOTNET@DISCUSS.DEVELOP.COM>
Subject: Re: [ADVANCED-DOTNET] Increased Security> > > Hi,> They just do
not feel username and password is adequate security.> > The guy sited
some bank which stored questions as well as the password.> I do not want
to go down that path as it would mean asking every existing> user to
re-register.> > >
> [EMAIL PROTECTED]> > > > > Date: Mon, 19 Nov 2007 12:11:35 -0500>
From:
[EMAIL PROTECTED]> Subject: Re:> [ADVANCED-DOTNET] Increased Security>
To:> ADVANCED-DOTNET@DISCUSS.DEVELOP.COM> > can your clients
specifically> pinpoint what they don't like about the> current security
setup you use?> >> Or did they hear some buzzword in your description
that>> kinda/sorta/might/maybe/possbily be mentioned in something else
they read>> about how it might not be secure?> > > > > -----Original
Message-----> From:> Discussion of advanced .NET topics.>
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