already used by Visa & Mastercard.In fact this method lead to Finread's demise imo. Wave through their TPM Enterprise Authentication server software in combination with a TPM & Visa's 3-D Secure method is the future... Wave has already demoed this tech with Visa/Mastercard. 60 Million TPMs are sheduled for 2006, & 100 million the year after..all free to the banks.
The Banks will not subsidise USB Token deployment as they failed to subsidise Finread Smart Card Reader deployment.
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