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