OT: eBay/Paypal security

With all of the rampant phishing and other crap going on around the net well past due, especially for paypal since it deals with money. Having a keyfob as a 3rd line entry to access your account (I have this with my Citibusiness account - ID, password, keyfob entry) so this would virtually eliminate all of the stolen account attempts, phoney login screens and fake phishing sites at long last. The real key to implementing this is that the keyfob code has to be manually entered by requiring mouse over clicks across a number bar on the screen, not typing it into a text box, otherwise a fake site could grab the login info, relay it into paypal via a script and then process and run an automated script once logged in to transfer/remove funds. Having the mouse over and click to a graphic bar (which could be shown in multiple ways and arrangements which could vary with each session) the keyfob code could not be simply cut & pasted from a fake to real site. Having the keyfob code rotating every 30 seconds really cuts down on the damage someone can do, they'll literally have to be sitting at the keyboard 24/7 hoping to grab a keyfob code and use it fast enough to log in. Its not perfect, nothing ever is, but its a HUGE leap in the right direction of responsibility on Paypals part... Now if they would just do a charge verification and processing check BEFORE allowing payments to go through instead of subjecting people to a 6 month window of "Oppps, that $500 you got 2 months ago, well the charge card was a fraud, so we'll just take that money back and you now owe us $500, please pay now before we sic our collections agents on you, have a nice day...." Google Checkout does a full security and verification check BEFORE the charge is completed for each transaction, this is why I now use them over paypal. Ebay is being hit with a major anti-trust suit because its blocking Google and other payment services in lieu of forcing people to choose paypal for payment (since ebay owns paypal) so that is looking like ebay has no leg to stand on and once the door opens for google, paypal is going to have to be far more competitive and really going to be forced to clean up its act. We you read the horror stories over at paypalsucks.com and see the stealing of funds from people's bank accounts, the instantly frozen accounts with $1,000's of dollars in them that have to wait 6 months while paypal performs its own internal investigation, leaving people without their money, its just disgusting to see how paypal - which was in its infancy - supposed to be this great new era of electronic funding perverted into a Racketeering and Extortion Enterprise. Curt Doc Shipley wrote: