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Hi Jason i think that Oracle Forum make secure transactions because it work in the same way as credit cards .
I work with bank transactions and i can tell you that is very sure :)
Compliance is written by lawyers for lawyers it takes a fair amount of translation to get it to the point where IT can understand what processes , policies, and configuration to implement to meet the requirements for a given compliance spec .
I think that ransactions are encrypted with numbers ( 0,1 ) but i'm not sure of this .
Hope to be of help :)