Massive increase in fraud crimes should make the government and banks realise that their data protection and Chip and PIN systems are diverting rather than deterring fraud crimes.

This shows that fraud will continue to grow until they exploit KEY and PIN system described on website www.xwave.co.uk which will deter BOTH identity and card fraud fraud by making signature and PIN systems reliable and foolproof.

Fake documents have made our signature system unreliable while skimmers and pin-hole cameras etc. have made PIN system unreliable. We have option to make signatures reliable by personalising them with ID stickers and option to use Card Key Code to make PIN system reliable to make use of stolen and skimmed cards meaningless. By ignoring to exploit this system banks are only letting fraud crimes grow.

ID KEY system will eliminate the need for us to protect our personal and card details since fraudsters will be deterred from misusing these stolen details.

Proposed ID KEY can be treated as a reliable international ID card because it will personalise signature and PIN number to only the right individuals in any country.

We hope that the government and banks will appreciate these details and exploit KEY and PIN system before it is too late to stop a fraud boom.

But surely a detailed business case must have been presented as one of the required documents for a Gatewat 1 review? This must detail the costs and costed benefits with details of just how those benefits will araise; with arguments that this is the cheapest/best way of achieving those benefits. No business case - no pass. Why are we still debating the issue? Let the Govenment present the real business case and stop all this spin. This smells too strongly of a Dodgy Dossier MK2 - I do not like to be flim flammed. What happened to transparent government? So far the only transparrency is that we are not being told the whole truth. Either that or this bunch are as incompetant as they appear.

If we take the details of the scheme the Government is actually proposing, the NIR, the true purpose is quite clear. It has nothing to do with the Citizen establishing his identity, it is all about the State keeping tabs on the Citizen. Why else will your new ID card be linked to so much information about you - where you live, where and when born, who your parents are, where they live, all the times your ID has been verified… The question is - do we want to be barcoded. I am not an asset of the state, I do not want to be on an inventory.

Valid points all. Here in sunny South Africa, the real problem is massive fraud by organised crime in the Home Affairs department - ID documents, birth certificates, marriage certificates, everything has its price. Nothing is guaranteed secure anywhere, but your initial application should be perfect, otherwise the exercise is fairly useless. Our ID books have not stopped ID theft. The technology might be fine, it’s the human factor you have to think of. Oh, for just .1% of the billions spent to my pocket!

t has nothing to do with the Citizen establishing his identity, it is all about the State keeping tabs on the Citizen. Why else will your new ID card be linked to so much information about you - where you live, where and when born, who your parents are, where they live, all the times your ID has been verified