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Identity theft is possibly the worst thing that can happen to you. Here some hacker uses your personal and financial information to rake in thousands of dollars w

According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product

ithout your knowledge. It can take you months to get out of the mess.

One way to defend yourself is to be very careful about your credit card information. The ot

; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.

Examples of combination products may in

her is to use virtual credit cards. A virtual credit card is a prepaid card that functions like a real credit card. It can be used for shopping at websites, Inter

lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.

net shops and web stores where they accept payments with credit cards.

The Internet is generally a safe place to shop but there are always undesirables lurking i

here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe

the shadows waiting to pounce on some unknowledgeable Internet shopper. Using this type of credit card is one of the most practical ways to protect yourself from

d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.

Combination pro

these shadowy figures.

A virtual credit card helps you to shop on the net with a throwaway credit card number that is single use and valid for a month or two. W

ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc

ith a virtual credit card you can protect your credit card account from being tampered.

This is because hackers find it near impossible to tamper with your virtu

easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi

al credit card as you use a different card number each time you shop online. Even if the fraudster gets hold of your virtual credit card number, it will not be of

nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically

much use to them as they expire quickly.

A virtual credit card is sent virtually via your e-mail address. You receive a 16-digit virtual credit card number along

and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ

with a 3-digit security number. The processing is usually complete within one to four days after the company receives the payment.

One caveat is that you must u

ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi

tilize the credit amount within the required period. If you do not do so, the amount will expire as soon as the card expires. All well-known credit card companies

ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.

Following aspects would a

provide virtual credit cards. The credit provided to you is limited to the amount for which you apply.

For additional security purposes, if your card is lost or

dd to the challenges in developing combination products:

Which markets to tap where the combination products can do fairly well?
Which combination prod

stolen, you are protected, as you would be if you had a normal credit card.

There are some places where a virtual credit card might not work. For example, you mi

cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin

ght not be able to pick up theatre tickets, make car or hotel reservations or book hotels with virtual credit cards.

No card can guarantee that it will work for

tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen

all merchants as there are millions of merchants using their own credit card acceptance policies. So even though you may have a balance in your account, there is

t?

As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel

a minute possibility that the card might be denied due to the policies followed by different merchants.

Despite the fact that a virtual credit card is comparativ

ping new procedures for reviewing their safety, efficacy and quality.

Professional from academic institutions, pharmaceutical industries, health care indust

ly safe, you must take certain precautions with its use. Do not share your card numbers with anyone. Do not store the card details in the computer or in your e-ma

y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products

il, especially if you share your machine with anyone. When you enter the card details online, you must ensure that the page is a secure page. If you are asking a

.

As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de

website just for information, it is not necessary for you to put in your card details. If they ask for it, sign out immediately.

Virtual credit cards do offer so

elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

Companies that provide selfless information through particip

me additional security benefits over traditional credit cards but proper use of your regular credit card should negate the need to apply for a virtual credit card

tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products

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