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There is an even simpler way of doing this sort of security.
E-Mail confirmation done by the bank that issued your card.
You get an e-mail before any transaction gets approved, you click it if you want the transaction to go ahead. This will tell the bank that your card is being used by you, which will mean you're assuming responsibility for the transaction.
Your e-mail is generally not public knowledge, even so, you could use a personal account to have this type of mail sent to you.
The only problem I see, is that the merchant will not receive approval until the e-mail confirmation has been sent to the client by the bank, with a time limit on clicking the approval.
If someone manages to get both your personal e-mail account and all of your credit details, you're either being scammed hardcore, or you're an idiot.
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