Sorry. My earlier comment was <a href="http://news.yahoo.com/s/nm/20080814/od_nm/birmingham_dc_1">in reference to this.</a>

Birmingham, Alabama? Please pardon me for being confused. After all, I'm not the only one.

The last comment in this article questions whether someone has heard of cash. In an area where there are no banks and no shops give cash back, our only option is to use sometimes dodgy cash machines or chip and pin. Some people do not have any option.

Banks do have option to deter virtually all fraud crimes simply by making signature and PIN systems reliable as proposed on website www.xwave.co.uk 

Why would anyone get tempted to do identity fraud when they know that their signature personalised with their ID sticker will expose their identity? Current signature system does not even expose person's gender and so boosts identity fraud.

Why would anyone get tempted to use stolen or skimmed cards when they know that they will not be able to activate the transaction without new security code which will change to a new value after every transaction?

This system will also eliminate the need for us to protect our personal an card details since fraudsters will not be tempted to misuse these stolen details.

Organisations would make their customers personalise signatures by letting them use mobile phone size device which will capture image and activate printer to print their ID sticker virtually instantly.

Proposed system will deter virtually all fraud crimes including those Chip and PIN, data protection and even biometric ID cards will not deter.

This KEY and PIN system could be treated like international ID card since it will personalise signature and PIN to the right individual in any country in the world.

To make the government and banks exploit proposed system media could help them by debating use of both these systems with the public.