Actually, I more often than not have to verify my online purchases. I have to use my bank's online banking card reader with my card and pin code. It is not the

Actually, I more often than not have to verify my online purchases. I have to use my bank's online banking card reader with my card and pin code. It is not the case for all transactions but for most Swedish online transactions this has been the case for the past few years. It is called something along the lines of 3-D secure/Verified by Visa