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