Great idea... Alternatively a method online banks use is quite a good method too;
When you create your account, type in a word or phrase between 10 and 15 characters long. When you log in each time, the login process asks you for 3 random characters from this phrase which you select from listboxes.
So for example, if your memorable word was "Cornundacuda", it might ask you for letters 3, 9 and 11 of this phrase (r, c and d). This is a very simple way to reduce the effectiveness of keyloggers... this could also be applied to the login for the website too (an area which isn't protected even if you have a gold card!).
Anyways, +reps for the idea!
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