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Article does not mention role of 3-D Secure (Mastercard Securecode/Verified by Visa) in defending against Friendly Fraud for website transactions, as an enhancement to Card Verification Codes. (Other card schemes are working on their own versions of 3D secure). 3-D Secure allows website to transfer liability to card issuer (who has an enhanced role in validating the transaction), as long as there is also proof of performance e. g. proof of delivery of physical goods. Also does not mention EMV Chip & PIN for card present transactions in place of signature --184.108.40.206 (talk) 15:43, 25 November 2011 (UTC)