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I hate Mastercard SecureCode and Verified by Visa

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Comments

  • #52
    kowloon
    Registered Users, Registered Users 2 Posts: 13,519 ✭✭✭✭kowloon


    AIB internet banking is another pain, you have that little card reader, a pin number and a registration number as well as having to put in some digits of your phone number. I think they charge you to check your balance online too. It just takes too long, more than once I've just closed the browser rather than going through with the sale.


  • #53
    birchtree
    Registered Users, Registered Users 2 Posts: 121 ✭✭birchtree


    While MasterCard SecureCode and Verified by Visa add a layer of protection for sellers, it is reducing protection for buyers. By forcing customers to provide such personal data as date of birth and mother's maiden name leaves me completely exposed if such details were stolen during the transaction. Nobody can raise a hand and say - my computer and network are 100% secure. The last bit of data that only you and the bank knows are now available for trojans, keyloggers and wifi scanners. Not to mention the inconvenience of remembering yet another password and 'personal greeting'. Speaking of password - I can't even use special characters in the password for added protection. Not very securecode, is it?
    What steps can we take to change this?

    Also, check out this brilliant post: http://www.boards.ie/ttfthread/2057222013/


  • #54
    SkyBlueClouds
    Registered Users Posts: 271 ✭✭SkyBlueClouds


    SpaceTime wrote: »
    The problem is that the system gets people to set up passwords in the middle of a transaction, rather than when they're thinking about setting up a password. So they set something and then forget it!

    It should be something that's properly integrated into your online banking. I don't see why, for example, you couldn't have a SMS verification code to verify your identity or something like that instead.

    It seems like primitive technology that isn't really very well implemented.

    We need to come up with better systems than complicated passwords - for a lot of people they're extremely cumbersome and hard to remember.
    If you get someone who is dyslexic or has slight cognitive issues, then it's even worse.

    I've noticed a lot of older people can really struggle with a lot of this stuff, particularly where sites demand complex passwords or start asking you for random digits from passwords.

    Two Factor security using an SMS or an app on your phone would make a hell of a lot more sense.

    Indeed. Ebay/Yahoo/Google and a few others all use TXT verification codes for resetting passwords and completing important tasks. I see no reason why it couldn't be more wildly implemented.


  • #55
    rainbow kirby
    Registered Users, Registered Users 2 Posts: 26,928 ✭✭✭✭rainbow kirby


    Lloyds in the UK does a pass-through on Verified by Visa for transactions under a certain amount made in GBP. Means I've only had to use it 2-3 times so far, stuff like booking hotels or buying large amounts of bike stuff.


  • #56
    anothernight
    Registered Users, Registered Users 2 Posts: 2,541 ✭✭✭anothernight


    rainbow kirby wrote: »
    Lloyds in the UK does a pass-through on Verified by Visa for transactions under a certain amount made in GBP. Means I've only had to use it 2-3 times so far, stuff like booking hotels or buying large amounts of bike stuff.

    So do TSB and Halifax, which are/were part of Lloyds group. So handy. :)
    I don't really get how a screen that says "Verified by Visa" but doesn't require a password or anything adds any extra security though!


  • #57
    ukoda
    Registered Users Posts: 2,084 ✭✭✭ukoda


    KBC use SMS with their MasterCards, i put my details in, next page asks for the code i got from the SMS they send, seems to work ok...untill i cant find my phone


  • #58
    birchtree
    Registered Users, Registered Users 2 Posts: 121 ✭✭birchtree


    ukoda wrote: »
    KBC use SMS with their MasterCards, i put my details in, next page asks for the code i got from the SMS they send, seems to work ok...untill i cant find my phone

    ...or you're abroad and messages aren't coming across...

    The biggest argument against codes via sms is that 'not everybody has mobile phone'. Although I don't know anyone personally who doesn't!
    Also, if you have your wallet and the phone stolen at the same time, you're just as exposed.


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