Bank of America has discontinued their ShopSafe system for single-use credit cards. Citibank seems to still have their virtual credit card system, but it requires Flash. Are any banks currently embracing it?

The impression I've gotten is that since most of the costs of fraud are on the bank, rather than the cardholder, there's not much incentive for the cardholder to go through the trouble of using single-use cards. And so it's a better investment for the bank to develop good fraud detection algorithms.

In my anecdotal experience, the fraud detection has gotten really good. Every time in the past decade that someone's gotten hold of my credit card number, the bank's caught it nearly immediately.