he sat down with visa's head of risk and public policy, ellen richie.asked how she works to combat the most serious cyberthreats to the u.s. payment system. >> the main threats we are looking at from a cyber perspective are threats to the stakeholders. we spend a lot of time trying to helm them secure their systems and invent and capitalize on new technologies that can make it more secure. >> that is an important point. what kinds of tools are available to you, to the banks, possibly even for the merchants themselves, but probably much less of that today that are helping gain the upper hand on cybercrime. >> we have a great new system. we have a payment task force. a lot of the major merchants are involved in this task force. we have all agreed on a road map to improve security. hree elements, chip cards, tokenization, a new technology to secure payments, and data encription. >> aren't you also trying to figure out what the criminals are doing using things like artificial sbem janssen and machine learning? >> absolutely. >> fraud prevention is interesti