From: Florian Weimer (fwdeneb.enyo.de)
Date: Fri Jan 14 2005 - 16:58:21 CST

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* Rafael San Miguel:

> The solution is based in a hardware token that is
> delivered to every customer. This token includes the
> true certificate that should be presented by the bank
> when a customer access his/her account, and a program
> that checks if the certificate presented by the
> webpage is consistent with the first one. The program
> is in read-only memory so that it can't be modified by
> anything external to it.

It's acceptable neither to customers nor to banks. These days,
zero-setup online banking is an absolute must.

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