Stick together

I see that Lloyds TSB is to expand automated phone alerts for suspicious card activity to include debit cards (Lloyds TSB extends card fraud technology, 14 March).
But fraud will continue to grow until banks start to use memory stick systems. These can be used to stop fraudulent ATM use. An ATM would only be activated by the personalised code stored on the stick. Why would anyone be tempted to use stolen or skimmed cards when they know that ATMs will not work without the key?
The sticks can also be used to activate printers to print out small stickers with the individual's image and name on it. These can be attached to documents and countersigned.
Anyone misusing the system for criminal purposes would also be providing the authorities with their identity.
Yogesh Raja