Just out of curiosity I would be interested to know what one or two of you think of the way my bank works when using online banking. Its probably similar to ASW24's way of doing it.
You don't actually key in your whole password and pin number it simply asks you for example to input the third,first and fourth number of your pin and then the eighth, sixth and second number of your password. I'm assuming this is safer as you also have to log in using a code number before you get to this stage and you never actually input the whole of your password or pin number. You need a memory like an elephant to remember the numbers.
This appears to me to be a very good way of dodging this issue of key loggers.
What does everyone thing and can you see a chink in this armour