Mark Curphey’s contribution on Tomorrow’s Security Cogs and Levers was brilliant. He has since converted his Beautiful Security contribution into a wiki found here. The root cause of many of the security pains around online payments is the reliance on a shared secret that is ultimately shared with hundreds or thousands of parties within the life of a card. If there is a security crack in the armor within even a single organization of these thousands of handlers, the card account may become breached. If you have some expertise in online payments or information security, please take the time to help out and contribute.”]
Source: https://www.csoonline.com/article/2135952/crowdsourcing-payment-security.html