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Chip 'n' SING, the new way to beat card fraud
The Times (UK) ^ | April 1, 2006 | Alexi Harpor

Posted on 04/01/2006 4:32:31 AM PST by dighton

TODAY it is “chip and PIN”. Soon it will be “chip and sing”. Britain’s banks are developing a system of credit card security that uses the voice’s tonal range. Rather than needing to recall a PIN, you will need to remember a line of a song.

Fraud has fallen since chip and PIN became compulsory, but customers struggle to remember their numbers. Ellis Bastan, chief technical spokesman of the British Banking Federation, said: “High street transactions have been suffering, so we have been looking at alternative methods of identity verification. Optical scans are too fallible, and standard voice recognition too easy to mimic electronically. But no two people sing the same way.”

Tills and cash dispensers are to have microphones. However, Mr Bastan adds, “if people struggle to recall a PIN, there is every chance they will also forget which song they are meant to sing. You might get some poor old dear belting out My Way in her local Co-op, when she is supposed to be doing The Hallelujah Chorus. That wouldn’t do at all. There has to be one universal song, for everybody.”

The search for one continues. Technicians developed the system using Parry’s Jerusalem, but dropped it to mollify Scottish and Welsh nationalists.

The new technology will be equally secure over the telephone or, where computers are fitted with a microphone, over the internet.

The Lyrical Input Elocution System looks set to be commonplace by April 1, 2009.


TOPICS: News/Current Events
KEYWORDS: aprilfoolsday

1 posted on 04/01/2006 4:32:33 AM PST by dighton
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To: dighton

4-1-06


2 posted on 04/01/2006 4:34:18 AM PST by DB (©)
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To: dighton
Karaoke for dollars?
I'm in trouble!
3 posted on 04/01/2006 4:34:43 AM PST by txroadhawg ("Stuck on stupid? I invented stupid! " Al Gore)
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To: DB
Shhhhhhhhhhhh!
4 posted on 04/01/2006 4:35:08 AM PST by dighton
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To: dighton

They should figure out a different system, like thumb print id. system at the cash station, or a couple of other options. Granted, you can forget your PIN but what if you have a cold or soar throat or can't speak due to some other malady, then what? Singing sounds out of the question, on occasion, huh?


5 posted on 04/01/2006 4:36:18 AM PST by john drake (roman military maxim: "oderint dum metuant, i.e., let them hate, as long as they fear")
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To: dighton

Ghastly, withdrawl denied.

6 posted on 04/01/2006 4:42:39 AM PST by csvset
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To: csvset
Snort! Very good.

I wish I didn’t know what that meant, but being stuck most nights in a place with the (expletive) TV on . . .

7 posted on 04/01/2006 4:49:46 AM PST by dighton
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To: john drake

Do you want criminals to take your thumb so they can clean out your bank account?


8 posted on 04/01/2006 4:52:59 AM PST by DB (©)
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To: dighton

Good. I never liked the fingerprint idea, always assuming criminals would just hack your finger off.


9 posted on 04/01/2006 4:54:59 AM PST by AmericaUnited
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To: DB

I guess conceal and carry laws need to be approved in all 50 states? Regardless, if a criminal wants to hack off my thumb, why go thru all that trouble? Punch me out, take my wallet and keys, hightail it to my home, really clean me out, and take off? What's the most you can withdrawal in cash per day from an ATM? $500.00? Hell, if we all have to get that paranoid about it, then we'll all have to go back to withdrawing money from a teller rather than a machine....


10 posted on 04/01/2006 5:02:46 AM PST by john drake (roman military maxim: "oderint dum metuant, i.e., let them hate, as long as they fear")
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To: john drake

The cash limit depends on the bank and the customer. It can be significantly higher.

Some people will kill for $500.

My only real point was that I don't think criminals need any added incentive to take body parts to pursue their goals...


11 posted on 04/01/2006 5:07:38 AM PST by DB (©)
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To: DB

How about a retinal scan? You think they'd gouge out your eye and use it? Maybe.

What about the supposed black market for body parts in general? Internal organs,etc. going for several thousand dollars...I guess we have more to worry about than just getting our thumbs hacked off or eyes gouged, huh? Life is getting more dangerous in a world fastly becoming more pagan by the minute.....


12 posted on 04/01/2006 5:14:10 AM PST by john drake (roman military maxim: "oderint dum metuant, i.e., let them hate, as long as they fear")
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To: dighton
"The Lyrical Input Elocution System looks set to be commonplace by April 1, 2009."

Let's see, acronym is L.I.E.S.

Happy April Fools day to you too

13 posted on 04/01/2006 5:24:00 AM PST by muir_redwoods (Free Sirhan Sirhan, after all, the bastard who killed Mary Jo Kopechne is walking around free)
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