SL: Single Sign On
So the human elelment is still present with TPMs. That is, an individual better not write down there PIN or USER id and password unless they puts it in Fort Knox, or a safe deposit box. However, with bank data breaches today I would not trust a sdb.
This is where biometrics is best. I saw a cool new take on it in yesterdays WJS, about a Asian company that has developed vascular scanning where the unique vein structure in your hand is scanned by a reader at ATMs and matched to the scan in the smart chip of your ATM card to gain access to the ATM and you account. Hope Diebold saw it.
The limitation on biometrics is, as seen on 24, and other tv/movies, a hard core criminal will cut you fingers or hand off to become you, or your eyeball, depending on the biometric scan required for access.
Thank you,
1st