This extra field on the card is crap too. The companies had nearly the same idea some years back, called CVV2 number on the cards. But thats the same useless like your idea! Once your "secret field" or the cvv2 is entered into a userdatabase from a shop/pornsite, ITS ON THE INTERNET.
So the game starts again -> hacker hacks the site -> steals database -> has the "secret field / cvv2" and can use the card again. So its useless. Even a phone varification is easily cheatable.
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