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