This is already a thing, for merchants that want it. It's called https://en.wikipedia.org/wiki/3-D_Secure https://en.wikipedia.org/wiki/3-D_Secure By bank impl

This is already a thing, for merchants that want it. It's called https://en.wikipedia.org/wiki/3-D_Secure https://en.wikipedia.org/wiki/3-D_Secure By bank implements it as approving from my phone's mobile app via push notification. It's really slick. Here's what happened when I bought something from PSN https://imgur.com/a/iZgY74b https://imgur.com/a/iZgY74b