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