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Most identity fraud isn't conducted face-to-face, but over the 'phone or Internet, with no possibility of checking ID card photos. Internet Bank Smile told The Guardian in January 2003 that "When it comes to internet banking, I don't think identity cards could help". The Home Office says you could "prove your identity to someone on the telephone or over the Internet ... by supplying your card details and possibly some 'shared secret' information, like banking services use today". This seems to be an open invitation to use stolen or forged ID cards for telephone-based identity fraud, and completely misrepresents how "shared secrets" work. The whole point is that the secret is shared only between you and one organisation (such as a bank), not given to every shop, hospital or government department you 'phone, from where it could be used to impersonate you.