A couple of years ago, I was obliged to find out about the user experience of Verified by Visa and the Mastercard SecureCode systems for inclusion on our site. it was plain to me from the outset that the designers of 3-D Secure (the protocal on which these are based) had not a clue about what real people are like, or how true security works. Cory Doctorow put it best when he described the credit card companies as “phishing their own customers.” S…