I am actually the senior developer/team leader for the online banking team which provide online services (mobile and internet banking/lending) to around 30 financial instituions. I also run a security forum and am familar with the nuoance of online transactions.

In saying that, I am not going to drop every single piece of information straight up unless others are interested in participating.

And BANK LEVEL SECURITY is shit. Just ask the CitiBank customers who card details have been nabbed...

What I am proposing is something far more secure and workable.