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1、雅思阅读练习题之二★StudyFindsWebAntifraudMeasureIneffectivePublished:February5,2007NewYorkTimes1.Internetsecurityexpertshavelongknownthatsimplepasswordsdonotfullydefendonlinebankaccountsfromdeterminedfraudartists.Nowastudysuggeststhatapopularsecondarysecurityme
2、asureprovideslittleadditionalprotection.2.Thestudy,producedjointlybyresearchersatHarvardandtheMassachusettsInstituteofTechnology,lookedatatechnologycalledsite-authenticationimages.Inthesystem,currentlyusedbyfinancialinstitutionslikeBankofAmerica,INGDir
3、ectandVanguard,onlinebankingcustomersareaskedtoselectanimage,likeadogorchesspiece,thattheywillseeeverytimetheylogintotheiraccount.3.Theideaisthatifcustomersdonotseetheirimage,theycouldbeatafraudulentWebsite,dummieduptolookliketheirbank’s,andshouldnoten
4、tertheirpasswords.4.TheHarvardandM.I.T.researcherstestedthathypothesis.InOctober,theybrought67BankofAmericacustomersintheBostonareaintoacontrolledenvironmentandaskedthemtoconductroutineonlinebankingactivities,likelookingupaccountbalances.Buttheresearch
5、ershadsecretlywithdrawntheimages.5.Of60participantswhogotthatfarintothestudyandwhoseresultscouldbeverified,58enteredpasswordsanyway.Onlytwochosenottologon,citingsecurityconcerns.6.“Thepremiseisthatsite-authenticationimagesincreasesecuritybecausecustome
6、rswillnotentertheirpasswordsiftheydonotseethecorrectimage,”saidStuartSchechter,acomputerscientistattheM.I.T.LincolnLaboratory.“Fromthestudywelearnedthatthepremiseisrightlessthan10percentofthetime.”7.Headded:“Ifabankweretoaskmeiftheyshoulddeployit,Iwoul
7、dsayno,waitforsomethingbetter,”hesaid.8.Thesystemhassomehigh-powersupportersinthefinancialservicesworld,manytryingtocomplywithnewonlinebankingregulations.In2005,theFederalFinancialInstitutionsExaminationCouncil,aninteragencybodyoffederalbankingregulato
8、rs,determinedthatpasswordsalonedidnoteffectivelythwartintruderslikeidentitythieves.9.Itissuednewguidelines,askingfinancialWebsitestofindbetterwaysforbanksandcustomerstoidentifyeachotheronline.January2007wassetasthecompliancedate,thought
