Are the one time use numbers the most secure? I might go that route. I ordered a credit card with a chip built in along with a card reader which hooks up to your PC. But I've been told even though you swipe your card and have to use the pin, that the merchant still gets you credit card number anyway to store on his site. And thats the major problem anyway when a server gets hacked and credit card numbers and data are accessed. You can shop online at 1000 different merchants, and all it takes is for ONE of them to get hacked to have to call up your credit card company to cancel and have new cards issued. What a pain, and the situation seems to be getting worse.