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One of the biggest problems of the Internet is the amount of fraudulent E-Mails, that are sent to try to get you disclose your bank account details.
I was thinking about this and what is needed is a 'Reverse Password' or 'Identification Phrase'.
These won't replace the other checks you should do but they would certainly make it more difficult for the fraudsters.
Has anybody ever seen anything like this before? I can't believe that something so simple hasn't been tried!
Update - February 2005
The UK government has just started a virus alert bulletin at ITSafe. It uses what it calls an 'ITSafe word' for security. Good for them.