4 ms·
The weird thing is that Blizzard will cheerfully sell you a $7 hardware token to protect your imaginary WoW gold and equipment, but I don't know of any US banks
by prodigal_erik 16y ago
The weird thing is that Blizzard will cheerfully sell you a $7 hardware token to protect your imaginary WoW gold and equipment, but I don't know of any US banks that offer one to protect your actual money.
- patio11 16y agoPaypal will. Don't quote me on this, but I think banks are starting to lean on "possession of a trusted mobile device" as their two-factor authentication. The basic theory is that I give them a number I can receive SMSes at, and then any time they want to verify that the person operating my web browser is really me, they say "We just sent you a one-time password via SMS. Enter it, resend it, or talk to customer service." This has significant advantages over dongles from the perspective of the bank: they don't have to get into dongle distribution, and people are probably better at keeping cell phones available than they are at keeping dongles available.
- whatusername 16y agoMy bank in Australia does this (for any transaction to an account I've never sent money to before). Works prettty well. I click a button, they SMS a 6 digit code, I enter it, money transferred (or bill paid).
- jlangenauer 16y agoWhich bank?
- prawn 16y agoAFAIK, CBA and Community CPS both do it.
- haribilalic 16y agoAs does NAB.
- whatusername 16y agoThat one. :) http://www.commbank.com.au http://www.commbank.com.au for those who don't get the joke.
- MattF 16y agoThey will also issue a token for those of us living outside the country.
- sunchild 16y agoSOP for Citibusiness accounts.
- jrockway 16y agoBank of America and Paypal will. Most banks use the "you only get to try three times before your account is locked" method of security. It's pretty hard to bruteforce a password with only three attempts before you have to call customer service. At that point, you might as well print out a fake driver's license, walk into a branch, and ask to close "your" account.
- navidate 16y agoE*TRADE offers this for free if you have a high enough balance ($5K?) between accounts. Unfortunately, our good friends at Mint.com have no way to deal with two-factor auth, so in my informal polls, all my friends who were using two factor switched back to password only so they could use Mint's reporting features.