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