Fraud crimes will continue to grow until the government and banks exploit KEY and PIN system described on website http://www.xwave.co.uk which will make signature and PIN systems reliable to deter fraudsters from getting tempted to misuse our stolen personal and card details.

Key and PIN system will deter virtually all types of fraud crimes including those Chip and PIN, data protection and biometric ID card systems will fail to deter.

KEY and PIN system could be treated like international ID card since it will personalise signature and PIN to the right individual in any country in the world.

We hope that the banks and government will exploit proposed system before it is too late to stop a fraud boom.