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March 9th, 2006 at 1:47 pm
He seems to be focused only on preventing interception of sensitive identifying information.
I’ve had two (at least) instances of identity theft against me, and in both cases it was unauthorized use by people employed at places where I had legitimately given my information.
One was a major credit card company (you’ve seen their ads on TV), the other was a small home rental firm. Neither case was a scam; in both cases it was just one bad employee who stole the identifying information.
We have reached the point where “single-factor” authentication is no longer sufficient for many purposes. Relying on “what you know” isn’t good enough. If I need to identify myself to you for some reason, then once I have done so you will have enough information to misrepresent yourself as being me to someone else.