Other embodiments of the invention enable {HEAD ~ cardholders} conducting 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 
Other embodiments of the invention enable { HEAD ~ cardholders } conducting 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 HEAD HEAD HEAD HEAD HEAD OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH TAIL TAIL TAIL TAIL TAIL TAIL TAIL TAIL OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH