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“Smart Card Developer’s Kit: Some Basic Standards for Smart Cards”, http:unix.be.eu.org/docs/smart-card-developer-kit/ch03/ 033-035.htrnl, Feb. 9, 2004, 2 pages.

“Smart Card Technology and Applications”; http://disc.cba.uh.edu/~ rhirsch/fall96/lara.htrn (8 pages).

Goldman, J., “Internet Security, The Next Generation, When Software Encryption is not Enough,” Web Techniques, Nov. 1997, pp. 43-46.

Simmons, J ., “Smart Cards Hold the Key to Secure Internet Commerce,” EC World, Dec. 1998, pp. 36-38.

Wayner, P., “Digital Cash,” AP Professional, 1996, pp. 76-83, 85-100.

“ISO Standards,” available from http://www.iso.ch/projects/loading. htrnl.

Turban, et al., “Using Smartcards in Electronic Commerce,” Proc. 3 1st Annual Hawaii Inter. Conf. on System Sciences, vol. 4, 1998, pp. 62-69.

Dhem, et al., “SCALPS: Smart Card for Limited Payment Systems,” IEEE Micro, Jun. 1996, pp. 42-51.

Sn1ith, M.T., “Smart Cards: Integrating for Portable Complexity,” Computer-Integrated Engineering, Aug. 1998, pp. 110-115.

Geer, et al., “Token-Mediated Certification and Electronic Commerce,” Proc. 2nd USENIX Workshop on Electronic Commerce, Nov. 18-21, 1996, pp. 13-22.

Gobioff, et al., “Smart Cards in Hostile Environments,” Proc. 2nd USENIX Workshop in Electronic Commerce, Nov. 18-21, 1996, pp. 23-28.

Fancher, C.H., “In Your Pocket Smartcards,” IEEE Spectrum, Feb. 1997, pp. 47-53.

Blythe, I., “Smarter, More Secure Smartcards,” BYTE, Jun. 1997, pp. 63-64.

Leach, Dr. J ., “Dynamic Authentication for Smartcards,” Computers and Security, vol. 14, No. 5, 1995, pp. 385-389.

Wu, et al., “Authenticating Passwords Over an Insecure Channel,” Computers and Security, vol. 15, No. 5, 1996, pp. 431-439. Manninger, et al., “Adapting an Electronic Purse for Internet Payments,”ACISP ’98 Proceedings, Jul. 13-15, 1998, pp. 205-214. Yan, et al., “Banking on the Internet and Its Applications,” Proc. 13th Annual Hawaii International Conference on System Sciences, vol. 4, 1997, pp. 275-284.

Transport Layer Security Working Group, “The SSL Protocol, Version 3 .0,” Nov. 18, 1996 (also available at http://home.netscape.com/ eng/ssl3/draft302.txt).

Business Wire (press release), “Master Card E-Wallet,” Jul. 11, 2000. Obongo.com Website, “Obongo,” Aug. 8, 2000 (Description of wallet toolbar also available at http://www.obongo.com/chabi/website/ index.htm).

PR Newswire (press release), “Providian Launches Nation’s First Clear Chip Card,” Sep. 12, 2000. The press release may be related to the art of the invention, but based upon the information in the press release, it is unclear if the press release is prior art. However, in an abundance of caution the Applicant desires to put the press release into the file wrapper.

“What’s New: Timex Watch Features Speedpass System”, http:// www.speedpass.com/news/articlej sp?id:51 (1 page).

“Physical Reality: A Second Look”, Ken Sharp, Senior Technical Editor, http://www.idsystems.com/reader/1999i03/phys0399ipt2/ phys0399ipt2.htm (6 pages).

‘“Magic Wands’ to Speed Mobile Sales”, BobBrewin, Jan. 15, 2001, http://www.computerworld.com/mobiletopics/mobile/story/ 1,10801,563300.htrnl (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/newsireleases/rel12.htrn (3 pages).

“Speedpass Unleashed”, Jun. 4, 2002 http://www.cardweb.com/ cardtraldnews/cf2i20ai97.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/xn1l/03/01/10/030110hnspot.xml?s:IDGNS (3 pages). “Microsoft: See SPOT Run on Your Wrist”, by Richard Shim, Jun. 5, 2003, http://news.com.com/2100-1041i3-1013442.html?tag:fdi top (1 page).

“Networking: Microsoft SPOT”, by Jeremy A. Kaplan, Jul. 1, 2003, http://www.pcmag.com/printiarticle/0,3048,a:43561,00.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/nov02/11-17SPOT.asp (4 pages).

“Bank Extends RFID Payment Pilot: Bank of America will continue to test its QuickWave 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 thatuses a 16-bit microprocessor and new encryption technology”, RFID Journal, Oct. 29, 2002.

“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 released 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 Embraces 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. http://www.semiconductors.phillips.com/news/content/filei878. htrnl, Apr. 7, 2003. http://www.palowireless.com/infotooth/whatis.asp, Apr. 28, 2003. http://www.palowireless.com/infotooth/tutorial.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.polowireless.com/infotooth/tutorial/baseband.asp, Apr. 28, 2003.

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

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

http://www.palowireless.com/infotooth/tutorial/12cap.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/tutorialk1igap.asp, Apr. 28, 2003.

“Sony, Phillips to Test RFID Platform”, RFID Journal, May 8, 2003. USBanker, Article 5, 1995, http://www.banking.com/us-banker/art5. Financial Technology International Bulletin, V14, n1, p4, Sep. 1996. Green, Thomas C., “American Express Offers temporary CC numbers for the web,” Sep. 9, 2000, The Register, www.theregister.c.u1d c. CNN.com, U.S. News, “American Express to offer disposable credit card numbers,” Sep. 8, 2000, Associated Press, www.cnn.c. American Express, “Private PaymentsSM ; A New Level of Security from American Express,” American Express Website, Cards. Martin, Zack, “One-Time Numbers Stop Web Hackers From Pilfering Data,” Jan. 2001, Card Marketing, Thomson Financial, www.c rdf rum.c.

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The Dollar Stretcher, “Disposable Credit Card Numbers,” Jan. 2001,
CardRatings.org, www.stretcher.c.

“Biometrics: Speaker Verification”, by Kulkarni, et al., http://
biometrics.cse.msu.edu/speaker.htrnl, Mar. 8, 2004, 5 pages.
“Judge Dismisses FTC Suit Against Rambus”, Evers, IDG New
Service, http://www.infoworld.com/article/04/02/ 18/
HNjudgedismissesi1.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/jhtrnl?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/Article127889. htrn, Feb. 9, 2004, 3 pages.

“Pay by Touch Press Releases”, http://www.paybytouch.com/press. htrnl, Feb. 10, 2004, 3 pages.

JP; Office Action dated May 19, 2010 in Application No. 2008001633.

JP; Office Action dated May 18, 2010 in Application No. 2007026166.

* cited by examiner

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