1. 3-D Secure system overview,
https://partnernetwork.visa.com/vpn/global/retrieve_document.do?documentRetrievalId=119
2. RBS Secure Terms of Use (December 2009),
https://www.rbssecure.co.uk/rbs/tdsecure/terms_of_use.jsp
3. APACS. 2008 fraud figures announced by APACS (March 2009),
http://www.ukpayments.org.uk/media_centre/press_releases/-/page/685/
4. Bohm, N., Brown, I., Gladman, B.: Electronic commerce: Who carries the risk of fraud? The Journal of Information, Law and Technology 2000(3) (2000)
5. Cronto,
http://www.cronto.com/download/Cronto_Products_Datasheet.pdf