fishy.

their passwords.

　　16.Rachna Dhamija, the Harvard researcher who conducted the study, points
thwart intruders like identity thieves.

Federal Financial Institutions Examination Council, an interagency body of
citing security concerns.

will see every time they log in to their account.

the survey, and stressed that SiteKey had made the bank's Web site more secure.
institutions like Bank of America, ING Direct and Vanguard, online banking
respondents logged in during the study, they saw a site maintenance message on
their customers," Ms. Dhamija said. "Ultimately that might be why they adopted
it. Sometimes the appearance of security is more important than security
tell if a customer is legitimate. The banks often drop a small software program,
questions, like his mother's maiden name.

　　4.The Harvard and M.I.T. researchers tested that hypothesis. In October,

　　13.The Harvard and M.I.T. researchers, however, found that most online
from thousands of possible choices and to choose a unique phrase they would see
suggests that a popular secondary security measure provides little additional
"From the study we learned that the premise is right less than 10 percent of the
customers will not enter their passwords if they do not see the correct image,"

　　6."The premise is that site-authentication images increase security because
PassMark Security, offered banks a pain-free addition to their security
called a cookie, onto a user's PC to associate the computer with the customer.
are fundamentally flawed and, worse, might actually detract from security by

　　11.The image system, introduced in 2004 by a Silicon Valley firm called
could be verified, 58 entered passwords anyway. Only two chose not to log on,

　　7.He added: "If a bank were to ask me if they should deploy it, I would say
mandate.

download new security software, or carry around hardware devices that feed them

　　3.The idea is that if customers do not see their image, they could be at a
looking up account balances. But the researchers had secretly withdrawn the
great data on how SiteKey instills trust and confidence and good feelings in

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the screen where their image and phrases should have been pictured. The error
itself."

Massachusetts Institute of Technology, looked at a technology called
customers are asked to select an image, like a dog or chess piece, that they
time."

the brand name SiteKey, asking its 21 million Web site users to select an image
convenience of online banking.

bank. "It was very well received."

arsenals. Bank of America was among the first to adopt it, in June 2005, under
Bank of America Web site," said Sanjay Gupta, an e-commerce executive at the

　　1. Internet security experts have long known that simple passwords do not

　　9.It issued new guidelines, asking financial Web sites to find better ways
images.

message also had a conspicuous spelling mistake, further suggesting something
protection.

　　12.SiteKey "gives our customers a fairly easy way of authenticating the
out that swindlers can use their dummy Web sites to ask customers those personal
add an extra layer of security but, the banks believed, detract from the
said Stuart Schechter, a computer scientist at the M.I.T. Lincoln Laboratory.
the compliance date, though the council has yet to begin enforcing the
site-authentication images. In the system, currently used by financial
giving users a false sense of confidence.

　　15.Most financial institutions, like Bank of America, have other ways to
no, wait for something better," he said.

　　14.Mr. Gupta of Bank of America said he was not troubled by the results of
for banks and customers to identify each other online. January 2007 was set as
He also said that the system was only a single part of a larger security

　　5.Of 60 participants who got that far into the study and whose results
they brought 67 Bank of America customers in the Boston area into a controlled
banking customers did not notice when the SiteKey images were absent. When
blanket. "It's not like we're betting the bank on SiteKey," he said.

environment and asked them to conduct routine online banking activities, like
fully defend online bank accounts from determined fraud artists. Now a study
fraudulent Web site, dummied up to look like their bank's, and should not enter
questions. She said that the study demonstrated that site-authentication images

　　8.The system has some high-power supporters in the financial services

　　2.The study, produced jointly by researchers at Harvard and the