Changes to bank web security

[dennis]

Wifi calls on three come out of you allowance or payg topup.

If you use an VoIP service you pay them.

If you use whatsapp, etc. its free IIRC if the wifi is free.

[Terry Casey]

'Having to'? I'm on 3 PAYG and I didn't 'have to' buy a phone from 3 - just a SIM free phone of my choice from a vendor od my choice to suit my needs and budget.

[The Natural Philosopher]

But does WiFi calling work?

The 'third party' phone I tried first worked fine but wifi calling didnt exist in its firmware.

A seemingly identical model from three, did.

[Chris Green]

Ah, but then the WiFi calling won't work! :-)

[Swer]

Wrong when its an iphone, it will work fine.

[Dave Liquorice]

What happened to "SIM free phone of my choice"?

[Swer]

Nothing, there are plenty of other phone that do wifi calling too.

[Chris Hogg]

I have just been into my bank to ask about this. I don't do online banking, my mobile phone is about twenty years old, is seldom actually switched on and is only used in emergencies (I don't know if it does texting, and if it does, I don't know how to do it. I don't think it does 'apps'. As far as I'm concerned, it's just a radio version of a domestic line telephone), and I'm happy to admit to being a dinosaur as far as phone technology is concerned.

In the bank, they gave me a PINsentry card reader, and told me to follow the instructions if I'm asked for further identification beyond the normal card number and security code on the back, when I attempt to purchase something over the Internet as I have done in the past.

Apparently I'll be given several options for further identification, including the following:

1) Approve through me Barclaycard App (which I don't have, so move on) 2) Text a code to my Mobile that I can then type into my PC to verify who I am (which isn't an option either) 3) Something else that I didn't catch

4) Choose PINsentry card reader (which is the one that seems appropriate to my situation)

On choosing (4), I'll be given an 8-digit reference number via my PC. I then insert my card into the card reader, and press 'Respond' on the reader. I then type in the aforementioned reference number, and press 'Enter' on the card reader, which in turn gives me another 8-digit code that I type into the appropriate box on my PC screen, and the payment should then go through OK.

Seems a little complicated but at least it holds out the hope of something working rather than no longer being able to buy anything on-line anymore.

[The Marquis Saint Evremonde]

Chris Hogg [e-mail] posted

It isn't complicated when you get used to it, I've used it for Lloyds business banking for years.

[Chris Hogg]

Correction (I missed out a step): after inserting your card into the reader and pressing the 'Respond' button, you type in your PIN and then press 'Enter'. _Then_ you type in the reference number give by your PC.

[Tim Streater]

Yes, (4) is what my bank has been doing for some years - with new payees. A bit tedious but easy enough. You just need your bank card and the PinSentry, and I do something similar when logging on anyway.

[charles]

On the Lloyds' card device I use - you insert your card, press identify and then enter your 4 digit PIN. An 8 digit number will appear in the window whci you then type into your PC.

[Terry Casey]

I thought there was something odd there but that's a bit better but still not quite right.

You first press 'Identify' and type in your PIN.

Don't worry, though, you'll be given full details every time you use it so you won't have to remember anything - except your PIN, of course.

[Chris Hogg]

You may be thinking of the procedure if you do on-line banking as opposed to just confirming your identity without O_LB, but I'm pretty ignorant of these things. Like I said, a dinosaur!

[Max Demian]

I wonder who thought up the names and symbols on the three blue buttons at the top:

Identify (keyhole): Just enter your PIN Respond (up and down arrows): Enter PIN and reference number Sign (tick): Enter PIN, number and amount

I think that's what you have to do. I've actually only used the first button. I suppose it means something to somebody.

[The Natural Philosopher]

Identify is just to sign in

Sign is used to make a transfer payment. You generate a hash from details of the transaction.

Cant remmber what respond is - oh looks like its for online shopping

[Bob Eager]

Well, for mine, Respond is used for transfer payments - specifically for a first-time payee.

[The Marquis Saint Evremonde]

My bank (Lloyds) online banking website says something like "We will never ask you to use the Respond function". I'm not sure why they feel need to say that explicitly.

[Max Demian]

So why isn't it called "sign in"?

So why not "transfer"?

Might be for telephone banking, but they always ask for other stuff.

[Tim Streater]

Because you are being asked to identify yourself.

You are signing the transaction.

Wy are you obsessing about this? The onscreen instructions tell you what to do.