Embodiments of the invention enable cardholders conducting {HEAD ~ an online transaction} to be authenticated in {TAIL ~ real time} using a challenge response application 
to be authenticated in
Embodiments of the invention enable cardholders conducting { HEAD ~ an online transaction } to be authenticated in { TAIL ~ real time } using a challenge response application
OTH OTH OTH OTH OTH OTH OTH HEAD HEAD HEAD HEAD HEAD HEAD HEAD REL REL REL REL TAIL TAIL TAIL TAIL TAIL TAIL OTH OTH OTH OTH OTH