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it is some kind of pin card reader that generates a code which i think i use - i've been reading the instructions but haven't actually used it yet.
you stick your card in, enter your pin number and it generates an 8 digit code that you then enter onto the banking website to log in, also apparantly to make payments and so on.
it also seems to have functionality and buttons that are not yet used but that are clearly for use with online shopping at some time in the future.
anyone else got one?
The idea behind Two-Factor authentication isnít too complicated. Simply (1) verify that a user knows something, and (2) verify that he physically has something. This could be done with a (1) name and password, and (2) one of those key fob things or even a print-out of one-time use codes.
Too be honest this is the first time I have heard of ANY bank implementing it. I am really excited to hear this is in play now.
Most banks, arenít too happy with the requirement of implementing such 'costly' changes and instead chose to invent the "Wish-It-Was Two-Factor" authentication. In this method of authentication, they (1) verify that a user knows something, and (1, again) verify that a user knows something else.
Users are asked to pick from all sorts of different 'secret questions,' ranging from 'In what city is your vacation home?' to 'What is your second-favorite post-modernistic European novel?' if theyíre lucky, users can actually remember what answers they gave and figure out exactly how they typed them in.
A recent study reported that 96% of U.S. banks are failing to implement the recommended Two-Factor authentication, opting instead for 'authentication methods that solicit confidential information from consumers.'
Glad to hear you bank with the one of the 4% who chose to do it right.
[edited by: Demaestro at 7:29 pm (utc) on Nov. 13, 2007]
joined:Dec 10, 2005
anyone else got one
I have one, got it ages ago. It works ok, stick card in, press button, enter pin, enter code on website.
The only thing I find annoying is that I actually have to go and get my card when I want to log on.
You don't have to use it for setting up new payments yet I don't think.
I have to use it on my Barclays UK account, as 21 days after they send you the device (unsolicited) you are locked out of an online account unless you use it.
My wife and I use it on a joint account. Between us we have 6 various Barclays credit cards. Pin Sentry for, reasons unknown, only works on one of these cards.
It has to be a Barclays Debit Card (again for reasons unknown). But it will not work on Spanish Barcalys Debit card (again for reasons unknown). It will not work on the credit card for the account we are trying to access. The only one of the 6 cards we have that gets us into the joint account is a debit card in my wifes name, on a completely different account.
Barclays line management cannot explain the eccentricities of their system, as the department that sent out the PinSentry devices, never bothered to tell line managers what they were doing, and did not sent managers their own PinSentrys to try.
Result was for a couple of days I was locked out of the account, until we found out which card to use. The so called Barclays help line (in India) was rude and unhelpful. Our own UK branch had to call India to try to find out how we could access it.
I should add that we can access a Barclays International account and a Barclays Spain account without PinSentry.