It's FAR less dangerous to implement what you are suggesting than it is to simply pay for your dinner with a credit card.
I agree with this. There is way too much paranoia about credit cards online. 99% of stolen credit card numbers are acquired by phishing and the other 1% by uncrumpling receipts out of a wastebasket. There's no longer any reason to go to the trouble of trying to crack encryption. Remember the knight who went into battle wearing armor only on his legs?
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