This is a project that will require secured communication with the host financial institution I believe.
We need an authentication system that will read contents on a CD in the users drive, which will serve to verify A. that CD is in drive and B. to read contents of CD. Open second session with pin verification which will be matched to the db information related to the cd info, return a yes or no to the merchant site from which initiated.
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I represent a s/W solution company, please visit us at http://www.technobahn.net. I do think we can leverahe our experience of handeling MIS & Web solutions to meet ur requirement.