Paper-Thin Security

Foolish paper-based security solutions have been seriously annoying me over the past couple of days. Two recent examples come to mind: my recent trip to the DMV and my ongoing application for Irish citizenship.

The DMV lived up to its reputation this weekend – a purgatory whose screaming children and close quarters seem to be specifically designed to concentrate psychological distress. Welcome to the DMV, we’re here to serve you. After a mere three hours, we arrived at the counter only to have the DMV employee point out that my middle name did not appear on my newly-issued US Social Security Number card. This was unacceptable, given that my middle name appeared on my other identity document, my passport. “Ever since 9/11…” the DMV employee offered in half-hearted explanation.

Only when the employee’s supervisor came over and signed off on the condition that the information be matched against the computer did my application get the go-ahead. Funny, and here I thought the Orwellian concentration of personal data in government computers was going to be a bad thing. Apparently I shouldn’t have worried, as it doesn’t appear the government is actually using any of the data it’s collecting in any significant way during the normal course of business. Had I not even provided my passport (it wasn’t required, I brought it just in case), the integrity of the DMV process would have hinged entirely on a 3″ by 2.5″ piece of cardboard.

Has anyone considered how ludicrous it is to still be relying on paper for our security? With high-resolution printers and sophisticated imaging technology in the hands of every web designer on the planet, one would hope for something more sophisticated than heavy paper and pretty patterns. But what’s worse than pointless paper-based security? How about badly-designed security solution that are supposed to address the deficiencies of pointless paper-based security systems. Like those of the Irish government.

To be clear, the Irish government and Irish institutions have a weird love-hate relationship when it comes to paper. For Irish institutions, a utility bill is often enough to provide proof of identity. But for Irish immigration, this apparently isn’t enough – no, no, no, they want notarized documents. Sounds appropriate, right? But they also want the original documents to be sent to them as part of the application – if they need the original documents, what’s the point of sending notarized copies of these documents as well?

The devil is in the details – it’s not enough that the documents be notarized by a notary public. No, the notary public has to be personally known to you – meaning that you must have known the notary for a minimum of six months prior. Oh, and you can’t identify yourself to the notary using either a driver’s license or passport – no, they just have to know you, by telepathy or some other unspecified means. According to the Irish government, if you were to introduce yourself to a notary, wait six months, and then present documents for notarization, this would provide a much better proof of identity than just asking a notary (or the consulate) to do their job and verify the authenticity of the documents using one of the many computer systems available.

In the end, it probably doesn’t matter – I doubt they even bother to check the identity of the notary public! After all, they probably just rely on another paper-based security mechanism: the notary’s seal. No one could possibly duplicate embossed paper technology!

The “S” Is For Surcharge

One of the first things I worried about when I came to the States was the apparent lack of debit card use. In Canada, it’s almost pointless to carry cash – why would you bother? Every store, from the lowest corner store to the largest department store, handles Interac. Not only is it convenient, but it’s free. In the unlikely event that a merchant didn’t accept Interac, I could always use a credit card before reducing myself to <shudder> cash.

Since then, I’ve discovered the “check card” – the American equivalent. Basically, it’s the same thing as a debit card with one important distinction: it also doubles as a credit card linked to a bank account that is accepted anywhere that accepts Visa. Sweet! Now I had absolutely zero motivation to use either cash or a credit card! Or so I thought…

It wasn’t until I was in an In-N-Out Burger that I noticed an interesting new trick on the part of retailers. Instead of widely adopting acceptance of these hybrid cards, the exact opposite appears to have happened. For example: In-N-Out Burger doesn’t accept credit cards. Therefore, it doesn’t accept check cards. And on a completely unrelated topic, they have an ATM machine in the corner.

And there’s the rub.

Now, instead of just charging something to my credit card, or using a debit card, I either need to have cash on me or pay $3.50 to get money from the white-label ATM machines that grow like mold in these establishments (i.e.: in the corners). That’s right, $3.50: $1.50 charged by the ATM itself, and then another $2.00 charged by my bank for using a non-Bank-of-America ATM.

While I agree it might make sense for smaller businesses specializing in small ticket items to attempt to pass along card processing costs to improve their margins, there are some places where this seems downright inappropriate. Take the gas station for example: If I fill up using the “serve myself” pump and use a check card as payment, I’m doing the station a favor: I’m serving myself, and the station is avoiding the need to handle cash or hire staff to process payments. Everybody wins, right?

Bzzzt! Wrong! Welcome to Surcharge Country!