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