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Visa U.S.A. said U.S. banks are gearing up for electronic commerce activity next year. Visa, which surveyed 70 of its member banks, co-authored the Secure Electronic Transactions protocol for processing Internet credit card purchases. More than half the financial institutions surveyed are running e-commerce projects, and two-thirds plan additional commerce programs. About 60 percent of merchant banks surveyed now handle online transactions, and security remains their biggest concern.