FIXME in ui.tex
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@ -196,6 +196,7 @@ provided by TLS is at best questionable.}
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by authenticating against the customer's bank,
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often on a Web site that is operated by the payment
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processor and {\em not} the customer's bank. Figure~\ref{fig:cc3ds} in the
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% FIXME why "..on the Web today using.." and not just "..on the Web using.."
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Appendix shows a typical card-based payment process on the Web today using the
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UML style of the W3c payment interest group~\cite{pigs}. Most of the details
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are not relevant to this paper, but the diagram nicely illustrates the
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