Embodiments of the invention enable cardholders conducting an online transaction to be authenticated in {TAIL ~ real time} using {HEAD ~ a challenge response application} 
Embodiments of the invention enable cardholders conducting an online transaction to be authenticated in { TAIL ~ real time } using { HEAD ~ a challenge response application }
OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH TAIL TAIL TAIL TAIL TAIL TAIL OTH HEAD HEAD HEAD HEAD HEAD HEAD HEAD HEAD