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Spurgin, "Sopininmon! or What's happening in the retail credit card environment", Credit World Journal, Apr. 1997, 7 pages.

AT&T Marketing, "Universal card free lifetime membership extended 3 months", www.att.com/press/0297/970217.csa. html, Dec. 4, 1990, 2 pages.

Chain Store Age Executive with Shopping Center Age,

"More retailers turn to co-branding", Feb. 1, 1995, 3 pages.

Introducing SpendingMoney(TM), Armetta: Marketing &

Design Product Concept Report, Oct. 9, 1996, 15 pages.

First USA Platinum Connect, First USA Bank, First USA

Promotional Mailing, Oct. 1997, 6 pages.

Introducing the First USA Platinum Connect Card, First

USA Promotional Mailing, Dec. 1997, 2 pages.

Here's the calling convenience you asked for: 1-800-call

AT&T . . . For All Calls, Appendix A: For Card Carriers, 7

pages.

Miriam Krenin Souccar, Smart Cards: 1st Union Smart Card Pilot Enlists a Second Army Base, American Banker, 3 pages, Mar. 31, 1999.

First Union Issues Smart Cards to Fort Benning Recruits,
CardFax, 1 page, Mar. 26, 1999, vol. 1999, No. 60.
Emerson Brown and Jim Baum, Purchasing Card Magic: Eli
Lilly Finds Accounts Payable Flying High With Plastic,
Corporate Cashflow, 4 pages, Nov. 1994.
Christine Dugas, Payroll May Ask: Paper or Plastic?, USA
Today, 3B, Aug. 14, 2001, 1 page.

E-Z Pass, Web page, Nov. 12, 2001, http://www.ezpass.com/ whatis.html.

E-Z Pass, Web page, Nov. 12, 2001, http://www.ezpass.com/ frameMain.htm.

E-Z Pass, Web page, Nov. 12, 2001, http://www.ezpass.com/ Disc portNewYork.htm.

E-Z Pass, Web page, Nov. 12, 2001, http://www.ezpass.com/ Di sc_ny annual .htm.

General Counsel's Opinion No. 8—Stored Value Cards, 61 Fed. Reg. 40490, Aug. 2, 1996, <http://wwwfdic.gov/regulations/laws/rules/5500-500.html>.

Song, A card that asks for ID, Time Magazine, Apr. 12, 2004, 1 page.

Hotchkiss, ATM's at the head of their class, Bank Market-
ing, vol. 29, No. 3, Mar. 1997, pp. 26-32.
Edwards, ATMs The Hot New Media Buy, ABA Banking
Journal, Mar. 1999, pp. 58, 60.

Brehl, Banks issue cash-card pledge, The Toronto Star, Oct. 9, 1997, 1 page.

Meece, Boatmen's prepaid cards for worker-incentive firm,

American Banker, Jul. 2, 1996, p. 12.

Boatmen's Floats Stored Value into the Employee Incentive

Waters, Debit Card News, vol. 2, Issue 2, Jul. 16, 1996, 3

pages.

CardFlash®, Apr. 5, 2005.

CES/NaBANCO introduces stored value card technology, Blockbuster video is first merchant partner, Business Wire, Jan. 15, 1996, 2 pages.

Common electronic purse specifications, Business Requirements; Version 6.0, Dec. 1998.

Consortium created to manage common electronic purse specification, Cardtech Securtech, Chicago, www.visa.com/ av/news/PRmisc051199.vhtml, May 11, 1999. Electronic Purse, SCIA (Smart Card Industry Association), About Smart Cards, printed Feb. 23, 2001, www.scia.org, 1 page.

Sanchez-Klein, Electronic purse alliance planned, Computerworld Online News, Jul. 29, 1998, printed Feb. 23, 2001, 2 pages.

Electronic Purse Can Free You From ATM Drag, Business Times, www.btimes.co.za, printed Feb. 23, 2001,1 page. Electronic purse card to be launched tomorrow, New Straits Times, News Clippings, Sep. 18, 1999, printed Feb. 23, 2001, 3 pages.

E-Z Pass, Web page, http://www.ezpass.com/whatis.html, Nov. 12, 2001.

E-Z Pass, Web page, http://www.ezpass.com/frameMain. htm, Nov. 12, 2001.

E-Z Pass, Web page, http://www.ezpass.com/

Disc_portNewYork.htm, Nov. 12, 2001.

E-Z Pass, Web page, http://www.ezpass.com/

Disc_ny annual.htm, Nov. 12, 2001.

First Data markets stored-value cards, Cards International, Jan. 30, 1996, p. 5.

Norris, First Data unit develops Blockbuster cash-card, Omaha World Herald, Jan. 19, 1996, Sunrise Edition, p. 16. ECARD, Frequently asked questions, www.ergeard.com, printed Feb. 23, 2001, 7 pages.

Machlis, Have it the smart way: Burger King program drives smart-card use, Computerworld, printed Feb. 23, 2001, 1 page.

Incentive firms find debit cards a rewarding experience (Off-line debit card issuers converge efforts with companies looking for effective incentives to boost employee productivity and to motivate individuals to buy their products), Debit Card News, vol. 3, No. 11, Nov. 28, 1997, 3 pages. MailFrontier Survey Finds that Consumers Hold Financial Institutions Accountable for Online Identity Theft, www. mailfrontier.com, Palo Alto, CA, Nov. 2004. Bogle, Mutual Funds at the Millennium: Fund Directors and Fund Myths, The Vanguard Group, To the '40 Act Institute of PLI (Practicing Law Institute); New York, NY, May 15,

2000, 15 pages.

New 1 -800-CALL-ATT campaign promotes one number for all calls, AT&T Marketing, News Release, Feb. 17, 1997, 2 pages.

Proton world and Europay to co-operate in creation of new CEPS-compliant E-purse application, Press releases '99, printed Feb. 23, 2001, Waterloo, Belgium, Jun. 28, 1999, 2 pages.

Purse application for cross border use in euro, CORDIS, Pace 1st 1999-11531 Pace, printed Feb. 23, 2001, www. cordis.lu, 3 pages.

Miller et al. Section E.2.1: Kerberos Authentication and Authorization System, Project Athena, Cambridge, Massachusetts, Dec. 21, 1987, 39 pages.

SK100 Smart Card Electronic Purse Balance Reader, printed Feb. 23, 2001, 1 page.

Smart card for loyalty and e-purse applications eclipses capability of conventional mag-stripe cards, Press Release, www.Lslb.com, Apr. 21, 1997, printed Feb. 23, 2001, 3 pages.

SmartAxis, Load cash on to your e-purse card, Supported Currencies and Schemes, www.smartaxis.co.uk, printed Feb. 23, 2001, 9 pages.

Key, Swift Gift 'Wows' Internet Shoppers, PR Newswire, www.key.com/swiftgift/home.html, Dec. 2, 1998, 1 page. The Electronic Purse Reaches the Car Park, printed Feb. 23,

2001, 2 pages.

Stuber, The electronic purse: An overview of recent developments and issues, Bank of Canada, Technical Report No. 74, www.bankofcanada.ca, Jan. 1996, printed Feb. 23, 2001, 2 pages.

Page 6

Stoughton, The Gift of Credit, www.washingtonpost.com/ wp-srv/business, Dec. 14, 1998.

ICL, Understanding the benefits, Smartcity offers a number of important benefits to both the card issuers and the customers, www.icl.com, printed Feb. 27, 2001, 2 pages. Visa Cash, <www.visa-asia.com/pd/cash/main.html>, Feb. 23, 2001.

Visa Cash—Where can I get it?, <www.visa-asia.com/pd/ cash/main.html>, Feb. 23, 2001.

Visa first to launch electronic purse load via GSM mobile phone, Johannesburg, Apr. 7, 1999, printed Feb. 23, 2001, www.cellular.co, 4 pages.

Visa International and SERMEPA Announce Plans for Cross Border Visa Cash Based on CEPS, <www.visa.com/av/ news/praaamisclll699.vhtml>, Nov. 16, 1999, Paris. Visa releases Visa cash electronic purse specifications based on CEPS, www.visa.com/av/news/PRaamisc042099.vhtml, San Francisco, Apr. 20, 1999.

Hansell, Visa to unveil electronic purse cards, New York Times, printed Feb. 23, 2001, 2 pages. Welcome to Card Express, The CardEx Incentive Card, as disclosed in the CardEx web site archived by web.archive, org on Feb. 7, 1998; http://web.archive.org/web/*/http:// www.cardex.com, retrieve Oct. 18, 2003, 8 pages. Welcome to Card Express, CardEx web site archived by web.archive.org on Oct. 31, 1996 [http://web.archive.org/ web/*/http://www.cardex.com], retrieve Oct. 18, 2003, 7 pages.

Machlis et al., Will smart cards replace ATMs?, Computerworld, printed Feb. 23, 2001, 3 pages.

Hoovers, General Mills, Inc. Corporate Profile relied upon to show the history of the company, http:/cobrands.hoovers. com/global/cobrands/proquest/history.xhtml?COID=10639, Jul. 12, 2005, 2 pages.

AAA Stored Value Cards, The New Way to Pay, [https:// www.storedvalue.aaa.com/aaanational/home. cfm?CFID=1615707&CFTOKEN=3fJ, printed Mar. 13, 2001, 1 page.

AAA Stored Value Cards, Traveling abroad, but don't want to pay like a tourist? [https://www.storedvalue.aaa.com/

aaanational/info global.cfm?CFID=l 615707

&CTOKEN=3], printed Mar. 13, 2001, 2 pages.

AAA Stored Value Cards, AAA Global Currency Card.

[https://www.storedvalue.aaa.com/aaanational/

info_faq_global.cfm?CFID=l 615707&CTOKEN=3],

printed Mar. 13, 2001, 4 pages.

Block, Blockbuster Running Test Of a Stored Value Card, The American Banker, Sep. 1, 1995, 2 pages. Hove, Electronic Purses: (Which) Way to Go?, First Monday, vol. 5, No. 7, Jul. 2000, [http://firstmonday.org/issues/ issue5_hove/index.html], printed Feb. 23, 2001, 32 pages. Konrad, IBM Had a Bunch of Unusual Ideas in 2003, AP, posted on [philly.com] on Jan. 13, 2004, reprinted on Jan. 21, 2004, 2 pages.

Payment Data Systems files patent on debit card payment solution, Press Release, Mar. 5, 2004. Banerjee, Smart Card Standards and Electronic Purse, A review paper, May 1997, [http://www.aston.ac.uk/ smartcard/documentafion/ standardsl.htm], reprinted on Feb. 23, 2001, 21 pages.

* cited by examiner

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