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OTHER PUBLICATIONS

"Physical Reality: A Second Look", Ken Sharp, Senior Technical Editor, http://www.idsystems.com/reader/1999_03/phys0399_pt2/ phys0399_pt2.htm (6 pages).

'"Magic Wands'to SpeedMobile Sales", BobBrewin, Jan. 15, 2001, http://www.computerworld.com/mobiletopics/mobile/story/ l,10801,563300.html (4 pages).

"Mobile Speedpass Goes Global as Mobil Singapore Rolls Out Asia's First RFID-Based Pay-At-The-Pump System", Press Release, Apr. 5, 1999, http://www.ti.com/tiris/docs/news_releases/rell2.htm (3 pages).

"Speedpass Unleashed", Jun. 4, 2002 http://www.cardweb.com/ cardtrak/news/cf2_20a_97.html (2 pages).

Prophecy Central Update #9, Oct. 10,1997, http://www.bible-prophecy.com/pcu9.htm (5 pages).

International Newsletter of the TI RFID Group, Issue 20, 2000 (12 pages).

"CES: Microsoft's SPOT Technology has Humble Origins", by James Niccolai, Jan. 10, 2003, http://archive.inforworld.com/articles/hn/xml/03/01/10/0301 10hnspot.xml?s=IDGNS (3 pages). "Microsoft: See SPOT Run On Your Wrist", by Richard Shim, Jun. 5, 2003, http://news.com.com/2100-1041_3-1013442. html?tag=fd_top (1 page).

"Networking: Microsoft SPOT", by Jeremy A. Kaplan, Jul. 1, 2003, http://www.pcmag.eom/print_article/0,3048,a=435-61,00.asp (2 pages).

"Microsoft Launches Smart Personal Object Technology Initiative", Press Release from COMDEX Fall 2002, Nov. 17,2002, http://www. Microsoft.com/presspass/features/2002/nov02/l l-17SPOT.asp (4 pages).

"Bank Extends RFID Payment Pilot: Bank of America will continue to test its Quick Wave RFID payment card for another three months", RFID Journal, Jan. 23, 2003.

"MasterCard to Test RFID Card: Pilot will test whether consumers, merchants and credit card issuers value "contactless" payments", RFID Journal, Dec. 20, 2002.

"Vendors Target Amusement Parks: Protecting children and enabling cashless payments make RFID an appealing option for the entertainment industry", RFID Journal, Nov. 27, 2002. "Inside's Next-Gen Smart Card: The French company plans to introduce an RFID card that uses a 16-bit microprocessor and new encryption technology", RFID Journal, Oct. 29, 2002.

Page 7

"Sony, Philips Creating RFID Link: Consumer electronics giants are jointly developing a new RFID standard for payments and for communication between devices", RFID Journal, Sep. 17, 2002. "Japan Gets Digital Ticket System: A national ticket seller and phone company are teaming up to create an electronic ticket", RFID Journal, Aug. 31, 2002.

"Security for Wireless Java: NTRU, a startup that offers security software, has relased of Java version of its NTRU encryption algorithm", RFID Journal, Jun. 27, 2002.

"Making RFID Payments Ubiquitous: Philips and Visa want people to be able to pay for goods and services anywhere by using RFID chips embedded in the phones and other devices", RFID Journal, Jun. 2,2003.

"RFID Smart Cards Gain Ground: The convenience of contactless transactions is driving widespread adoption of contactless smart cards", RFID Journal, Apr. 9, 2003.

"TI Embarces Prox Card Standard: Texas Instruments ISO 14443 payment platform promises faster data transfer rates and more security", RFID Journal, Mar. 6, 2003.

"Multiple Frequency Transponders: Volume production of dual-band RFID chips begins", Frontline Solutions, Jul. 16, 2003. Functional Specification, Standard Card IC MF1 IC S50, Philips Semiconductors, Product Specification Rev. 5.1 May 2001. "Biometrics: Speaker Verification", by Kulkarni, et al., http:// biometrics.cse.msu.edu/speaker.html, Mar. 8, 2004, 5 pages. "Judge Dismisses FTC Suit Against Rambus ," Evers, IDG New Service, http://www.infoworld.com/article/04/02/18/ HNjudgedismisses_l.html, Feb. 18, 2004, 3 pages. "Credit on Your Key Ring, Buy Gas at Mobil, Exxon and Soon Burgers at McDonald's", by Krakow, MSNBC, http://www.msnbc. msn.com/id/3072638, Feb. 17, 2004, 4 pages. "The Evolution of Mobile Payment", by McPherson, Financial Insights, Feb. 2, 2004, http://www.banktech.com./story/mews/ showArticle/jhtml?article ID=17601432, 2 pages. "RFID Take Priority With Wal-Mart", by DocMemory, http://www. simmtester.com/page/news/shownews. asp?num=6550, Feb. 9,2004, 2 pages.

"Microsoft, IBM and Phillips Test RFID Technology", by Rohde, IDG New Service, http:www.computerweekly.com/Articlel27889. htm, Feb. 9, 2004, 3 pages.

"Pay by Touch Press Releases", http://www.paybytouch.com/press. html, Feb. 10, 2004, 3 pages.

"PowerPay RFID Payment and Marketing Solution Speeds Purchases at Seahawks Stadium with Technology from Texas Instruments", http://www.powerpayit.com/news/Seahawks_pr.html, Feb. 9, 2004, 2 pages.

"Putting Their Finger on It", by Wilson, http://sanfrancisco. bizjoumals.com/sanfrancisco/stories/2003/10/20/story6. html?t=printable, Feb. 9, 2004, 2 pages.

"TI Embraces Prox Card Standard", by Roberti, Mar. 6, 2003, http:// www.ti.com/tiris/docs/in-fhe-news/2003/3-6-03.shtml, 2 pages. "Fingerprint Technology—Indentix Inc.—Empowering IdentificationTM—Understanding Biometrics", http://www.identix. com/newsroom/news_biometrics_finger.html, Feb. 18, 2004, 1 page.

"Individual Biometrics—Facial Recognition", http:ctl.ncsc.dni.us/ biomet%20web/BMfacial.html, Feb. 18, 2004, 2 pages. "Fingerprint Analysis—The Basics", http://www.crimtrac.gov.au/ fingerprintanalysis.htm, Feb. 18, 2004, 3 pages. "Visual Speech and Speaker Recognition", by Luettin, Jun. 30,2000, http://herens.idiap.ch/~luettin/luettin-thesis.bib.abs.html, 1 page. "Automatic Ear Recognition by Force Field Transformations", by Hurley, et al., The Institution of Electrical Engineers, 2000, pp. 7/1-7/5.

"Everything You Need to Know About Biometrics", by Bowman, Identix Croproation, Jan. 2000, 8 pages.

"How Fingerprint Scanners Work", by Harris, httpxomputer. howstuffworks.com/fingerprint-scanner.htm/printable, Feb. 18, 2004, 6 pages.

"How Facial Recognition Systems Work", by Bonsor, http://computer.howstuffworks.com/facial-recognition.htm/printable, Feb. 18, 2004, 6 pages.

"Biometrics: Hand Geometry", by Ross, et al., http://biometrics.cse. msu.edu/hand_geometry.html, Feb. 26, 2004, 2 pages. "Biometric Person Authentication: Odor", by Korotkaya, Department of Information Technology, Laboratory of Applied Mathematics, Lappeenranta University of Technology, 18 pages. "ISO Magnetic Stripe Card Standards", http://www.cyberd.co.uk/ support./technotes/ioscards.htm, Feb. 9, 2004, 4 pages. "Smart Card Developer's Kit: Some Basic Standards for Smart Cards", http:unix.be.eu.org/docs/smart-card-developer-kit/ch03/ 033-035.html, Feb. 9, 2004, 2 pages.

International Search Report and Written Opinion of the International

Searching Authority, PCT/US05/26067, May 23, 2007.

"Credit Card Offer Travelers New Benefit", PR Newswire, Aug. 5,

1987.

"New Evidence about Positive Three-Tier Co-pay Performance Presented at Express Scripts 2000 Outcomes Conference", PR Newswire Association, Inc., Jun. 28, 2000.

"Prestige Credit Cards: Those Pricey Plastics", Changing Times, Apr. 1986.

"Shell Introduces Optional Credit Card", The Associated Press, Sep. 3, 1985.

"Shell Introducing Expanded 'Signature' Credit Card", Tulsa Business Chronicle, Sep. 5, 1985.

"Shell-Oil: Introduces Shell Signature Travel and Entertainment Credit Card", Business Wire, Sep. 3, 1985.

"The Chase Manhattan Bank Today Announced a Comprehensive Program to Enhance the Value of All its Credit Cards", PRNewswire, Dec. 18, 1986.

American Express to offer disposable credit card numbers, CNN. com. U.S. News, www.cnn.com/2000/US/09/08/online.payments. ap/, Sep. 8, 2000.

American Express, Private Payments SM: A New Level of Security from American Express, American Express Website, Cards. Carey, Gordon, "Multi-tier Copay", Pharmaceutical Executive, Feb. 2000.

Crumbaugh, Darlene M., "Effective Marketing Positions: Check card as consumer lifeline", Hoosier Banker, Apr. 1998, p. 10, vol. 82, Issue 4.

Disposable Credit Card Numbers, courtesy of CardRatings.org, The Dollar Stretcher, www.stretcher.com/stories/01/010212e.cfm, Jan. 2001.

Gabber, et al., "Agora: A Minimal Distributed Protocol for Electronic
Commerce", USENIX Oakland, CA, Nov. 18, 1996.
Goldwasser, Joan, "Best of the Cash-back Cards", Kiplinger's Per-
sonal Finance Magazine, Apr. 1999.

Greene, Thomas C., American Express offers temporary CC numbers for the Web, The Register, www.theregister.com.uk/content/1/13132. html, Sep. 9, 2000.

http://www.palowireless.com/infotooth/tutorial.asp, Apr. 28, 2003. http://www.palowireless.com/infotooth/tutorial/12cap.asp, Apr. 28, 2003.

http://www.palowireless.com/infotooth/tutorial/baseband.asp, Apr. 28, 2003.

http://www.palowireless.com/infotooth/tutorial/hci.asp, Apr. 28, 2003.

http://www.palowireless.com/infotooth/tutorial/lmp.asp, Apr. 28, 2003.

http://www.palowireless.com/infotooth/tutorial/kl_gap.asp, Apr. 28, 2003.

http://www.palowireless.com/infotooth/tutorial/profiles.asp, Apr. 28, 2003.

http://www.palowireless.com/infotooth/tutorial/radio.asp, Apr. 28, 2003.

http://www.palowireless.com/infotooth/tutorial/rfcomm.asp, Apr. 28, 2003.

http://www.palowireless.com/infotooth/tutorial/sdp.asp, Apr. 28, 2003.

http://www.palowireless.com/infotooth/whatis.asp, Apr. 28, 2003. http://www.semiconductors.philips.com/news/content/file_878. html, Apr. 7, 2003.

International Search Report and Written Opinion of the International

Searching Authority, PCT/US05/26101, May 13, 2008.

Kuntz, Mary, "Credit Cards as Good as Gold", Forbes, Nov. 4, 1985. Lahey, Liam, "Microsoft Bolsters Rebate Structure", Computer Dealer News, Feb. 8, 2002.

Page 8

Lamond, "Credit Card Transactions Real World and Online" © 1996. Martin, Zack, One-Time Numbers Stop Web Hackers From Pilfering Data, Card Marketing, Thomson Financial, www.cardforum.com/ html/cardmark/jan01_c3.htm, Jan. 2001.

Nyman, Judy, "Free Income Tax Clinics are Opening as Apr. 30 Deadline Draws Nearer", The Toronto Star, Final Edition, Mar. 25, 1986.

Obel, Michael, "Oil Companies Push Marketing, Cost Cutting to
Fortify Earnings", Oil & Gas Journal, Sep. 16, 1985.
Schmuckler, Eric, "Playing Your Cards Right", Forbes, Dec. 28,
1987.

Sony, Philips to Test RFID Platform, RFID Journal, May 8, 2003, 2 pages.

"Core One Credit Union- Discover the Advantage", http://coreone. org/2visa.html, Copyright 2001, (Last Visited Oct. 9, 2002). "Paying It By Ear", The Guardian, Jan. 18,2003, http://money.guardian.co.uk/creditanddebt/creditcards/story/0,1456,876908,00.html, 3 pages.

Pay By Touch—Company, http://www.paybytouch.com/company. html.

"Identix Inc.—Empowering IdentificationTM Understanding Biometrics", http://www.identix.com/newsroom/ news biometrics face.html, 1 page.

"International Biometric Group—Signature Biometrics: How It Works", http://www.ibgweb.com./reports/public/reports/signaturescan_tech.html, Feb. 18, 2004, 1 page.

"International Biometric Group—Voice Recognition Technology: How It Works", http://www.ibgweb.com/reports/public/reports/ voice-scan_tech.html, Feb. 18, 2004, 1 page. "The Henry Classification System", International Biometric Group, 7 pages.

"Individual Biometrics—Hand Geometry", http://ctl.ncsc.dni.us/ biomet%20web/BMHand.html, Feb. 18, 2004, 2 pages. "Individual Biometrics—Retinal Scan", http:ctl.ncsc.dni.us/ biomet%20web/BMRetinal.html, Feb. 18, 2004, 2 pages. "Individual Biometrics—Iris Scan", http:ctl.ncsc.dni.us/ biomet%20web/BMIris.html, Feb. 18, 2004, 2 pages. "Individual Biometrics—Vascular Patterns", http:ctl.ncsc.dni.us/ biomet%20web/BMVascular.html, Feb. 14, 2004, 1 page. "Individual Biometrics—Fingerprint", http:ctl.ncsc.dni.us/ biomet%20web/BMFingerprint.html, Feb. 18, 2004, 3 pages.

* cited by examiner

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