> I would tend to disagree. Why should the card industry concentrate on
> on-line payments when they account for a very small proportion of the total
> transaction volume.

Maybe it'll not be the card industry...

> The new Chip and Pin schemes address security in the real world while 3-D
> Secure goes some of the way to address security in the on-line world. I have
> yet to see a cost effective solution for both environments.

I don't think any of these addresses customer requirements
sufficiently.

Frank.

--
Who is General Failure and why is he reading my disk?

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