On Tue, 18 Dec 2012 15:04:39 -0000
"tim....." wrote:
wrote in message
...


That's not too hard to understand is it?

The only thing thats hard to understand is how such a bloody awful design
got past the white board stage. Still, with the kind of bussed in morons
involved in system design these days I suppose I shouldn't be surprised.

I think you misunderstand the motivation of such developments:

The Bank's requirements for the implementation of new way of taking money
from your account is not to do it in a way that lessens the risk of fraud.

It is to do it in a way that passes the fraudulent use risk onto the
customer.

Sadly you're probably right. Though in this case it seems like its the
shop that'll get stiffed. I'm surprised the retail sector want anything to
do with it.

B2003