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