| Document Date: 2010-08-09 12:47:25
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Company Royal Bank of Scotland / Visa / NatWest Bank / MasterCard / EMVCo LLC / Cronto Ltd. / Microsoft / Ross Anderson Computer Laboratory / / Continent Europe / / Country United States / Canada / United Kingdom / uk / / Currency GBP / USD / / Event Person Travel / / Facility University of Cambridge / / IndustryTerm authentication protocol / similar device / lousy technology / typical bank / bank customer / privacy law / random e-commerce sites / earlier systems / payment network / bank fraud losses / online card payment / bank password / trustworthy payment device / sustainable infrastructure / online purchase / secure electronic signature creation device / decent technology / e-banking password / online fraud / online payment protocol / theft Online banking Total / online shopping website / online banking / bank customers / bank transfer form / bank / interbank payment systems / Internet Retailer / legacy systems / bank card fraud / e - commerce / actual bank / online password / individual bank / online card transactions / / Organization UK Government / Federal Bureau of Investigation / University of Cambridge / European Union / / Person John Henderson / Steven J. Murdoch / Saar Drimer / / Position The Way Forward / / Technology authentication protocol / SMS / 3-D / online payment protocol / ATM / pdf / 250 300 Chip / / URL http /
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Verified by Visa and MasterCard SecureCode: Or, How Not to Design Authentication (Short Paper) Steven J. Murdoch and Ross Anderson Computer Laboratory, University of Cambridge, UK http://www.cl.cam.ac.uk/users/{sjm217,rj