Is Securing Access To Our Websites Locking Us Out?

I just had an interesting experience today trying to access my credit card online.  When logging on I got prompted to set up a "security shield".  Now, that sounds like a good thing.   But after answering a number of questions, picking an image and a sound, I can only imagine that this security shield will most likely end up shielding me from my own account. 

Is this really the best answer we can come up with?  There must be a better way to secure our access to critical and private information on the Internet.  What about security tokens, password challenge devices and other technology solutions.  Now, we don't want to end up with a situation where we have a token for each site we access, but can you imagine how simple (and secure) things would be if we had a token that could work with any website?  No more questions about our favorite pet, etc.

It is time for industry standardization of a more secure and more user friendly solution.

Comments

[Sarah]

http://www.networkworld.com/news/2009/030309-ibm-looks-to-secure-internet.html

I saw this earlier this month. It is supposedly a brand new invention--a USB stick that enables online security. Also seems like the kind of thing that only early-adaptors would have for the foreseeable future.

[Grorge]

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