Identity Shortens - Is That Really You?

The one thing the merchants and the banks all have in common is they want to take your money. And so for you to transact, they want to make it really, really easy. At the same time, they've got to make sure that they have the right security controls in the place to insure that it's not a fraud sto repnmof. So can you explain how those controls work? You know, the the identity shortens, identity authentication.