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