3D Secure exposes personal data

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?

Bank of Ireland: Alison

[font=Verdana, sans-serif]Hi birchtree,[/font]
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[font=Verdana, sans-serif]Many thanks for contacting us on Boards.[/font]
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[font=Verdana, sans-serif]We’re committed to ensuring our customer’s information is secure. In terms of your computer, we would always recommend that you have up-to-date and antivirus and firewall and that your operating system has the latest updates available. If you are in any way unsure of the security of your computer, please do not log on to your online account or use debit/credit card to make an online purchases and have the computer looked at professionally.[/font]
[font=Verdana, sans-serif] [/font]
[font=Verdana, sans-serif]You can view our security commitment, how to protect yourself online and other fraud information here [/font]
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[font=Verdana, sans-serif]We hope this helps.[/font]
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[font=Verdana, sans-serif]Thanks[/font]

[font=Verdana, sans-serif]Alison[/font]

Red Alert

The above response mentioning AV and other measures doesn't really address the question posed:

You would be better off looking at the URL field when the 3D or Verified by Visa screens appear to make sure that they're being served by the card issuer. Make sure that the security certificate is valid by looking at the address bar and clicking the lock or SSL icon if you're in doubt. 

Bank of Ireland: Alison

Hi birchtree

Along with the information we've provided, it would also be helpful to follow the advice Red Alert has posted.

Thanks Red Alert for your suggestions.

Alison