According to {HEAD ~ other embodiments}, {TAIL ~ the ACS} 1050 and cardholder 1010 may be in direct communication 
According to { HEAD ~ other embodiments } , { TAIL ~ the ACS } 1050 and cardholder 1010 may be in direct communication
OTH OTH HEAD HEAD HEAD HEAD HEAD HEAD OTH TAIL TAIL TAIL TAIL TAIL TAIL OTH OTH OTH OTH OTH OTH OTH OTH OTH