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