Usually the security breech comes through the vendor latest was Jimmy Johns, Home depot, Target, there are many that you don’t hear about on a weekly basis, very similar to the Target incident. Then there are vary extensive measure that companies similar to US bank put in place to flag certain activity… In my mind it is a good thing that US Bank stopped a transaction (but annoying). I get to hear all about this stuff and how big of a issues it is from a certain somebody that may or may not work work at one of these large banks…