LM> Security could be covered by the use of PGP, with the user's
LM> public key sent both by net and by Australia 
LM> Post for confirmation.

 FM> Yes, that would be a way. I think you would need to keep the user side
 FM> of it as uncomplicated as possible, assuming that 
 FM> although people might
 FM> be sophisticated investors they may not be all that familiar with the
 FM> technology.

Another method of identification was that used by the C'wealth
bank for their teletext banking product.
 
The gave each user a book of random numbers - maybe 25 or 100 at a go.
 
The user would quote one number for each new transaction, then tear
that number off and never use it again - a form of one time pad.
 
Even an unsophisticated user should be able to understand that
procedure.
 
LM.

--- Maximus/2 3.00