Other embodiments of the invention enable cardholders conducting {HEAD ~ an online transaction} to be authenticated in {TAIL ~ real time} using a challenge response application that has been integrated with a password based authentication system 
to be authenticated in
Other embodiments of the invention enable cardholders conducting { HEAD ~ an online transaction } to be authenticated in { TAIL ~ real time } using a challenge response application that has been integrated with a password based authentication system
OTH OTH OTH OTH OTH OTH OTH OTH HEAD HEAD HEAD HEAD HEAD HEAD HEAD REL REL REL REL TAIL TAIL TAIL TAIL TAIL TAIL OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH