Additionally, there are many flexible implementation options of the challenge response application that can be adjusted based on {HEAD ~ factors} such as {TAIL ~ the location} of the merchant or the location of the consumer 
such as
Additionally , there are many flexible implementation options of the challenge response application that can be adjusted based on { HEAD ~ factors } such as { TAIL ~ the location } of the merchant or the location of the consumer
OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH HEAD HEAD HEAD HEAD HEAD REL REL TAIL TAIL TAIL TAIL TAIL TAIL OTH OTH OTH OTH OTH OTH OTH OTH OTH