[ILUG] aib 24hour-online

[Noel Carroll]

I have to say that sounds a bit more secure.  One thing that bugs me about
AIB is that, when you start off to say pay a bill, they ask you for a digit
of your 5 digit PIN, after that they don't ask anymore.   It gets cached.
AIB, during authentication ask you for your 8 digit ID which, from what I
see is your DOB and two other digits.  The final stage of authentication is
the last 4 digits of either your Work, Home or Credit Card no.   It doesn't
exactely leave me feeling very secue since a goodly proportion of the data
is derivable if you really want to get it.

Noel

> -----Original Message-----
> From: Aidan Keady [mailto:aidan at parthus.com]
> Sent: Tuesday, May 09, 2000 10:50 AM
> To: Noel.Carroll at cardbase.com; vincent at cunniffe.net
> Cc: ilug at linux.ie
> Subject: Re: [ILUG] aib 24hour-online
> 
> 
> Noel Carroll wrote:
> > 
> > Agreed!   I use it myself from home only.  I'd not use it 
> at work and I'd
> > not use it at all were it not that It's not too easy to get 
> to the bank
> > sometimes.   BOI's site is better from what I hear.   I 
> know they used to
> > provide you with a little credit card sized algorithmic 
> number generator and
> > that formed part of your authentication.   AFAICR that was 
> two years ago
> > anyway but maybe I am just raving!!!   Anyone on the list 
> signed up with BOI
> > online who can confirm this and maybe explain how the system works?
> 
> Yeah, BOI give out little token things, which look like calculators.
> However, these are being phased out and won't work from the 
> end of May,
> when they're moving to a PIN/password system.   I think 
> they've been using
> PINs for all new customers since the start of the year.   
> With the token,
> you have a 6-digit ID which you enter on the website and are 
> then given
> a 7-digit code to enter in the token (which itself has a 4-digit PIN).
> The token returns another 7-digit code which you enter on the website
> and you get access to your accounts (whichever ones to which you have
> asked for access).   It's possible to pay bills, transfer 
> money, etc. -
> for every transaction, you're given another code to enter to the token
> which returns another code and so on.
> 
> ATB,
> Aidan.
> 
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