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"It's been around for a long time. It's called the SET protocol. The question to ask is why hasn't the U.S. adopted it yet."
SET protocol requires the webserver to install software and the end user to have a pin number. Not going to take off. Besides, remember VISA and Mastercard are made up of representative banks, do you think CHASE and Citibank will share info of all their customers? It is called POLITICS.
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