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Thanks to the author for taking his clock time on this one.
Spells Links: All of the Links that is in our Spells Links Page are spell casting websites that we have done a Link Exchange with. Now we don't own or work on any of the sites that is in our Spells Links Page. We had only done a Link Exchange with these spell casting websites. And if you choose to use any of these spell caster sites will be at your own risk. Here at Black and White Magic Spells Site we do our best to give you all of the information that you will ever need. When it comes to all things that are related to the Mystical world.
In our Spells Links Page is only for us to do a Link Exchange with Spell Caster websites. And if you own a Psychic Reading or Mystical Items Site. Then please use our Psychic Reading and Mystical Items Link Exchange Service. The links on this Spells Links Page are related to the Spell Casters world. They are all well worth your visit. If you are the owner or webmaster of a Spell Caster website and would like to add your Link to our Spells Link Page. Then please feel free to add your Spell Caster Links Down Below. However please keep in mind that you must add our Spell Casters Website first. And send us the URL where you have added our Spell Casters site too.
The Information that is in our Spells Links Page are Spell Caster Sites that we have done a Link Exchange with. You may find some of these spell casting websites to have some very useful information. If you choose to use any of these spell casting websites will be at your own risk. If you are interested in adding your website Link to our Spells Link Directory. Please read the information in our Spell Casting Link Exchange Page carefully and submit your Information. If you have any questions you can Contact Black and White Magic Spells Site at any time. We are here to help you every steep of the way.
To get your Site listed down below here. You must first provide a Link back to Black and White Magic Spells Site. Once we verify your reciprocal Link and approve your Website's content. Then your link will appear in our Spells Links directory. Most cases will take up to 24 hours for us to approve your Spell Casting Links. Here at Black and White Magic Spells site we do our best to give you all of the information that you will ever need. When it comes to all things that are related to the Mystical world. If you have any questions about Black and White Magic Spells Link Exchange Service. You can Contact Us at any time.
Our Witches Coven Site is here to help guide you in the right direction. By giving you all of the information that you will ever need about Witchcraft Sites. If you own a Witches Coven, Wicca Coven, or a Mystical Sites then we are happy to do a Link Exchange with you. Doing a Link Exchange with our Witches Coven Spell Castings site wont hurt but rather help your website SEO. Link Exchange is a great way to get our Witches Coven and your Mystical Website in the Top Pages of Yahoo, Bing and even Google search results. In fact Link Exchange is the most common way that most website owners use today. Our Witches Coven site is happy to do a Link Exchange with any Witchcraft and Mystical Websites.
We all know how hard that it can be to get our witchcraft website to be found in the top pages of Yahoo, Bing and even Google search results. That is why you should post your Witchcraft site in our Spells Links Page. We have many Witchcraft sites listed down below that have done a link exahnge with our Witchcraft Site. Now if you would like to buy spell castings from us then please feel free to go to our Spell Castings Page.
If you are ready to do a Link Exchange with our Witches Coven Site then please feel free to do so by adding Black and White magic Spells Site first. Then Contact Us with the Website URL that you have added our site too. And after you have sent us the website information add your website information down below in our comment section. Now please keep in mind that all website links has to be approved by us before your website Link will go live. Most cases your Spell Castings Link will go live within 24 hours. However may take as long as 72 hours if we are very busy Casting Spells for others.
Please Note: In our Spells Links Page is only for us to do a Link Exchange with Spell Castings websites. And if you own a Psychic Reading or Mystical Items Site. Then please use Our Psychic Reading and Mystical Items Link Exchange Service. We do our best to make sure that Black and White Magic Spells Site is a one stop shop. To take care of all of your Mystical needs. Here is our Spell Casting Website Information Listed Down below.
Tittle: Black and White Magic Spells:
Description: Welcome to Black and White Magic Spells Site! Where you can get a spell casting from truly gifted spell casters. And our spell casters can cast many different types of spells such as. Love, Money, Health, Jealousy, Success, Confidence, Growing and even Four Leaf Clover. We can also cast Karma, Enemy, Bad Luck, Power, Love Destroyer, Curse, Hex, Vampire, Werewolf and even Reversal Spells.
URL: www.blackandwhitemagicspells.com
Real Spell Casting – The site Real Spell Casting offers real spell casting service to help those that are in need. They have 20 Witches that is in the coven. So you are sure to see full results from their spell casting.
Mystical Website – If you are searching for a site where different Witches Coven members will be casting your spells then you should try Mystical Website. They also sell charms such as love, money, health, curse removal, and even custom charms. Mystical Website has many good reviews all over the web.
Magic Love Spells – There are various forces that work in the world that are invisible to the human eye. Magic and love are some of these forces. While both are very powerful forces, it is love that prove to be elusive. Magic on the other hand when performed correctly is a fairly controllable energy.
Bay Custom Spells – Meet Bobby Wilson and Mama Odie. Both have been voted Number one spell casters for the past 25 years in New Orleans. Known throughout the world for their knowledge and abilities in White Magic, Black Magic, Voodoo, Voodoo, Celtic Rituals, Egyptian Rituals, and Pagan Rituals.
Best Magical Spells – Welcome to Freya's House co. web store! We are so excited that you have made the choice to seek help by Mystic Forces. It truly excites us to be able to help people like you better themselves. And provide them with insight through the use of magical. Best Magical Spells products are 100% safe and effective in helping any issues.
White Magic Help – Our methods are based on unique blend of white magic and voodoo rituals and techniques. They have origin in different cultures and traditions. Our magic is not static. It is dynamic, alive and it evolves as we evolve. We always try to give the best of us into our magic!
Real Witches Coven – For those of you who would like to join a Real Witches Coven now you have a chance too. By joining their Real Witches Coven you can post photos, videos, and even blogs for free. They offer a lot of free information about the magic and mystical world.
Black Witch Coven – It is not easy to give definitions of the terms Witchcraft and Wicca that please everyone. For example, some see that the term "Witchcraft" should be applied only to those who operate in covens, whilst many others feel solitaries can be considered as well.
Wicca Spells – Welcome to Wicca Spells, your online Wicca and Witchcraft resource! We have a treasure trove of information, from free magic spells to articles about every magical topic you can think of! We also have a shop where you can buy authentic spell and witchcraft supplies.
Egyptian – During the last 40 years I have helped many people solve their relationship problems and financial difficulties with very powerful Egyptian magic spells all of my clients had different problems, witches and goals and I know I can do the same for you if you give me the chance to help you with all of your life problems.
Black Magic Specialist – Looking for Black Magic Specialist Astrologer in UK Call Moulana Haider Ali ji Famous Muslim Astrologer Vashikaran & Black Magic Specialist to solve your Love, Life, Marriage problem.
Black Magic For Love – Black magic for love is the best way to control loving partner. But no one should ever use this magic to harm any person by controlling then. Those who wish to make their love life happy and smooth. Only with loving partner they should use it easily by controlling loving partner.
Mystical Forums – The site Mystical Forums is a place where you can chat with psychics and spell casters for free. You can also create your own website forum. Mystical Forums is a great place to get free information.
Ask Now – When it comes to psychic reading service Ask Now is the best place to get an accurate psychic reading. We test their psychics out and not one of them gave us a bad reading. So in our option Ask Now is worth trying out.
Kasamba – Now the site Kasamba doesn't test their psychics. Anyone can just signup and start making money off their clients. At Kasamba you can get a psychic reading a few different ways by phone, email, and even instant message.
Hollywood Psychics – We think that Hollywood Psychics are more for fun because every single reading wasn't accurate. However they do offer a wide range of psychics to choose from such as tarot cards, career forecast, and even medium psychics.
Psychic Source – Most people know about Psychic Source. Now this site has both good and bad reviews all over the web. Psychic Source offer a wide range of psychic readings for you to choose from such as tarot cards, career forecast, and even medium psychics.
Keen – Many people know about Keen because they advertise all over the web. However most of keen psychics don't even have any psychic reading gifts. The best psychic on their website is Psychic Jason Storm and Psychic Jason Storm is a love and relationship psychic.
Vashikaran Experts – We offer best vashikaran expert service in all over world. You will get your all love problem solution and financial problem with help of vahikaran expert services.
Mystical Website Reviews – Welcome to Mystical Website Reviews site! Where you can get free mystical website reviews from truly gifted psychics. We offer a wide range of mystical website reviews for you to choose from such as. Psychic Reading, Spell Casting, and Mystical Items reviews. Now we don't own or work on any of the sites that is in our Spells Links Page
14 Comments on "Spells Links"
Great post.
I have been browsing online more than 3 hours lately, yet I by no means discovered any fascinating article like yours. It's pretty value enough for me. In my opinion, if all website owners and bloggers made just right content as you did, the internet might be much more helpful than ever before.
Regards for all your efforts that you have put in this. Very interesting info.
I like the way that your site is setup because you can find all real spell casting services all in one place.
Dee Dee
It is nice to finally found a site that offers very useful information about the magic and mystical world.
Your site offers some very useful information about witchcraft as I am trying to learn how to cast real magic spells.


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Create your Roku account to stream all your favorite shows online, setup Roku with Roku link code through roku.com/link So that you can search and play various movies and TV shows.
This instructional exercise with bit by bit directions will tell you the best way to arrangement and Install IPTV on Roku. The guide gave underneath additionally attempts to Roku Express, Debut, Roku gushing stick, and Roku Ultra.Cable TV is currently practically dead, as a few telecom companies and specialist co-ops are at last moving their business portfolio online for all time. The interest for IPTV administrations has never been this high. The cost of savvy spilling gadgets is likewise getting less expensive.
There are predominantly two kinds of IPTV administrations. The first is VOD (Video on request), where you have the choice to choose a film or TV appear from the substance library. It is the most famous IPTV administration. Applications like Netflix and Prime Video are a couple of instances of VOD administrations. The subsequent one is called live IPTV, which will give you access to live TV channels. Models incorporate BBC iPlayer, FuboTV, YouTube TV, Sling TV, and that's just the beginning.
The greater part of these administrations are premium, which implies you need to pay a month to month or yearly membership so as to get to the substance. Be that as it may, littler IPTV specialist organizations utilize the M3U IPTV convention to give clients live TV channels on the web. The interest for these administrations is expanding a direct result of its moderate cost. The explanation for such modest costs is the arrangement procedure. These administrations don't come packaged in an application interface. It expects clients to utilize an IPTV player to stack the M3U playlist document so as to gain admittance to the administration.
There are a few better than average IPTV players accessible for Android gadgets. Proprietors of Android gushing boxes and Amazon Fire TV gadgets can without much of a stretch install it to appreciate IPTV on their TV. In any case, the alternatives are constrained for the individuals who claim Roku gadgets, as it runs on a custom Linux dissemination called Roku operating system. The applications or 'channels' for Roku operating system are made with a restrictive advancement unit, which isn't open-source and disposes of the chance of sideloading applications from outsider engineers. In this way IPTV on Roku won't work any longer. Be that as it may, right now, will share an approach to download and install IPTV For Roku.
How to Arrangement IPTV on Roku with Web Video Caster?
Significant – M3U playlist Player is expelled from the Roku channels store. So you can not Include M3U Playlist Roku. You can utilize Plex to stream IPTV for Roku yet it's entangled to arrangement. I have attempted numerous approaches to watch IPTV on Roku gadget yet just not many of them are working and I firmly recommend you to go with throwing technique which I have recorded underneath.
- In the initial step download web video caster on your cell phone (For Android and iOS)
- Accepting that you have installed Web Video Caster on your gadget, dispatch the application.
- Tap the three-lined sandwich icon above to flip the sidebar and select IPTV from the rundown of alternatives.
- Tap the + icon above, tap the field under IPTV address, and glue the M3U URL sent to you by your IPTV specialist organization. In the event that your specialist co-op sent you a M3U record, at that point tap OR SELECT AN IPTV Document and select it from your nearby stockpiling.
- Put a name for the IPTV list underneath and click Spare to include the IPTV list.
- Snap on the Cast icon
- Select Roku to let the application check your Roku gadget on the home system and tap DONE. Ensure your cell phone and Roku is associated with a similar Wi-Fi organize.
- Head over to the IPTV segment of the application to open the IPTV show you just included. Allow it a few seconds to stack the playlist.
- When the IPTV list stacks effectively, select a channel from the rundown or utilize the Quest work above to look for a channel.
- Select your Roku gadget on the following page, at that point click the Play button.

subset: commoncrawl


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After a four year hiatus at UNCG, "The Vagina Monologues" returns, for three shows only, April 11 and 12. UNCG students and staff will perform popular monologues like "The Angry Vagina," "The Flood," and "Hair." The production is open to the general public.
Written and first produced by Eve Ensler, the play is a collection of monologues about women's experiences, based on hundreds of interviews. The play explores women's experiences with sensuality, pleasure, discomfort, and violence. Ensler co-founded V-Day, an organization committed to global efforts against violence against women and girls.
Shows are in Curry Auditorium, on Friday, April 11, at 8 p.m., and Saturday, April 12, at 2 p.m. and 8 p.m. General admission; doors open 30 minutes before show-time and free parking is available behind the Weatherspoon Art Museum.
A $5 donation is suggested. All proceeds from tickets and merchandise go to Clara House and V-Day Campaign.
The play is sponsored by Housing & Residence Life Social Justice & Diversity Initiatives, Women's and Gender Studies Program, and the Residence Hall Association.
For more information, contact Krista Prince at email@example.com


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How to Handle Employees Re-entering the Workforce
Nowadays, it is very common for employees to take a leave of absence from their career, but reentering has hurdles of its own. Some leave the workforce to have children, raise their families, or care for sick family members. It can be a challenge for these employees to return to the workforce as their direct experience may seem out of date with ever changing job requirements and their salary expectations cannot be met. According to Sheryl Sandberg, author of Lean In, 43% of highly qualified women with children are leaving careers or off-ramping for a period of time. What can you do to encourage re-entry and retain returning professionals?
Read further for tips on returnships and returning professionals:READ MORE


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- Posted on:
September 9, 2014
- Categories: Recorded Webinars
Our September webinar provided training to help organizations work pro-actively to recognize and prevent harassment in the workplace, and discussed how to handle the investigation if a complaint is reported. Attendees were walked step-by-step through the process of conducting workplace investigations; heard discussion of what does and doesn't work during investigations; and learned how a proper and effective investigation prevents harassment and limits your risk for a lawsuit. A brief Q&A session followed.
Please note, MCLE and HRCI credit can only be provided to those who attended the live presentation.
Click here to watch a recording of the webinar.
You may download a copy of the presentation materials here.
Disclaimer: Information found in this website is for general information purposes only and should not be construed as legal advice or legal opinion on specific facts or circumstances nor as a solicitation of legal business.


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The EcoPure Valve-In-Head Whole Home Water Filtration System (EPW2V) installs on your home's incoming water line and filters out sediment, dirt, rust and sand for cleaner, clearer water throughout your home. This system allows for customized filtration based on filter choice, including carbon options for better tasting water at every faucet. Its valve-in-head bypass option eliminates the need to turn off your household water supply for a drier filter change. The pressure release button makes changing filters easy, saving you time and hassle. This system will take most brands whole house replacement filters including: EcoPure, Whirlpool, Omni, Culligan, Watts, Filtrete, 3M, GE, and DuPont. Text EcoPure to 444999 to sign up for filter change reminders. Questions, Lifetime tech support available, call the EcoPure helpline at (800) 693-1138.
- Protect your water supply, water using appliances and plumbing fixtures from harmful contaminants such as sediment, dirt, rust, sand and chlorine taste and odor
- Universal fit - uses EcoPure household filters EPW2F, EPW2C, EPW2B, EPW2S, EPW2P and all major brands of standard capacity whole home filters such as: Whirlpool, Omni, Culligan, Watts, Filtrete, 3M, GE and DuPont
- Designed for municipal or private well water supplies
- Pressure release button for easier filter changes
- Includes: system, EPW2B replacement filter, pressure release button and installation instructions
- Uses HDX household filters HDX2CF4, HDX2SF4, HDX2BF4, HDX2PF4


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Fishing heaven?
To a fly-angler that might mean exotic saltwater destinations in Australia, a cross-Canada fly-fishing adventure, the relentless pursuit of giant muskie or chasing huge brown trout in the Sierra foothills of California.
Local anglers can get a taste of all of those rapturous opportunities and more during the International Fly Fishing Film Festival at 7 p.m., March 31, at the Richard E. Wildish Theater in Springfield.
The festival includes a collection of 10 professionally made short- and feature-length films from around the world that highlight the beauty and culture of fly fishing. The event, hosted by local company True West Custom Fly Rods, will help raise money to aid the nonprofit Fly Fishing Collaborative in fighting sex trafficking. The festival is currently on a world tour, including stops in Europe, Australia and South America.
More than 200 people attended the local screening last year, according to True West owner Tony Overstake.
This year�s titles include �Chasing Salty Dreams,� about exotic destinations and monster species in Australia; �Along the Way,� documenting an epic adventure across Canada; �MTK,� a look at Montauk, the epicenter of fly fishing in the Northeast; �The Hog,� a couple�s disastrous trip to northern British Columbia; �The Pursuit,� fly-fishing for trophy muskie; �Foundations,� in which four individuals come together for the first time to fish Montana�s Bighorn River; �Wide Open,� a search for hard-pulling tuna; �Arctic Unicorns,� a hunt for the most colored-up circus clown salmonids in British Columbia, Alaska and the Arctic Circle; �Gold Fever,� running wild water in California�s Sierra in search of big wild brown trout; and �Good as Ever,� a look at the state of fly fishing.
The three-hour event also includes fly-fishing gear giveaways. Admission is $15 in advance or $18 at the door. Tickets are available online at flyfilmfest.com, or at the Caddis Fly and Home Waters fly shops.


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Back to all reports
Abandoned waste
Reported in the Flytipping category by Westminster City Council at 14:46, Fri 8 November 2019
Sent to Westminster City Council 4 minutes later
One large box at the junction of Cleveland Terrace and Gloucester Terrace by the recycling bins.
This report is now closed to updates. You can make a new report in the same location.


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Henry's Fork – A Report From The River
Jul 7th, 2011
Nelson Ishiyama loves the Henry's Fork. As owner of Henry's Fork Lodge, Nelson's deep affection for and knowledge of the Henry's Fork of the Snake River knows no bounds. We often use the phrase "they really have their finger on the pulse of that fishery." Well, Nelson is the pulse of the Henry's Fork.
While we've all been battling tough conditions on our favorite trout streams, or just not fishing at all and waiting for better conditions, anglers in the Island Park area have been enjoying some great fishing on the Henry's Fork. Following is the official report from the river's pulse, Nelson Ishiyama:
Some great news from the Henry's Fork!
- The water is clear and the dry fly fishing is on fire
- This year's record snowpack means the prime fishing will last much longer than usual
- Henry's Fork Lodge has some great dates available in July and August
Though most of the northern Rockies are in runoff with high and murky water, the Henry's Fork is in great shape. Spring fed and buffered further by a dam, the Henry's Fork is virtually weatherproof, so you are assured of good conditions in this and other years.
Tremendous golden stone hatches, multiple mayfly hatches, including the famed green drakes, pale morning duns and clouds of gray drakes and many species of caddis have the fish rising to a smorgasbord of insects.
Many anglers have reported career days and personal best fish on dry flies in the past weeks, and photos verify their tales. Most fish are in the 16-18" range, but many fish of 20-23" have been caught by happy anglers. One guide who recorded 32 fish of a measured 20" or better last year reports that one client has caught 10 fish of that size so far in four days of fishing this season.
The usual hatch schedule has been delayed into the season, so the coming weeks and months should offer extended excellent fishing. Once other rivers in the Yellowstone area come into shape, the choices will expand even more.
Henry's Fork Lodge has some prime dates in July and August, so it's not too late to book a trip for what promises to be an especially great season in this abundant water year.
Give us a call at 800-552-2729 to get your dry fly fix on the Henry's Fork!


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After a crazy hectic day, spend some time unwinding and relaxing. Try out this DIY soothing salt bath recipe for an easy way to escape.
- 2c. Epson Salt
- 1/2c. Baking Soda
- 1/2c. Sea Salt
- Lavender Essential Oil
- Eucalyptus Essential Oil
- Vanilla CO2 Extract
- Mix epson salt, baking soda, and sea salt together.
- Add a few drops of each essential oil.
- Use a spoon to incorporate the liquids into the salts, breaking up any clumps to ensure that the scent is evenly distributed.
- Store in a glass jar until ready for use.
Caution: May cause skin sensitivity.


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The present disclosure relates to systems and methods for authenticating transaction accounts and, more specifically, to systems and methods for authenticating transaction account users and transaction accounts that are enabled on mobile devices configured with payment capabilities.
Mobile payment technologies are becoming more prevalent. Known cardholder verification methods typically make use of a credential that is native to the mobile device. This credential may be associated with a transaction account and may be used in place of a typical validation credential (e.g., a pin, a signature, and/or the like) for the transaction account. However, as mobile payment technologies continue to grow and become more prolific in the marketplace, more robust validation methods may be needed to ensure that a mobile device used to initiate a payment is properly authorized to initiate the payment.
A system for authenticating a transaction account user via a mobile device configured to initiate payments is provided. The system may be configured to perform operations and/or steps comprising receiving, by the processor and in the secure element, a secret element. The secret element may be transmitted to the processor (e.g., the issuer system) via a payment terminal. The secret element may be associated with a user transaction account. The secret element may be stored on the mobile device outside the secure element. The secret element may be provided to the secure element in response to credential information be provided by a user via the mobile device. The device validation element may be a bio-metric input, a pin, and/or the like. The system may further comprise comparing, by the processor and in the secure element, the secret element to an issuer element. The issuer element may be a data module that corresponds to be is not equal to the secret element. The issuer element may be stored on the mobile device in the secure element. The system may also comprise enabling, by the processor, the transaction account to be used for transactions on the mobile device in response to the comparing being a satisfactory comparison.
In various embodiments, a fraud risk for the transaction may be based at least in part on the secret element being compared with the issuer element. The transaction may be authorized by the issuer system in response to the evaluating the fraud risk.
In various embodiments, the secret element may be defined by a transaction account issuer and may be associated with a secure element of the mobile device. During initial account setup, the transaction account and mobile account may be associated with the secret element. The system may also comprise transmitting, by the processor and to the issuer system, an indication that the transaction account is associated with the mobile device.
In various embodiments, the system may comprise creating, by the processor and for the secure element, a comparison protocol for the issuer element and the secret element to determine whether the secret element satisfies to the issuer element. The system may comprise associating, by the processor, the issuer element with the transaction account.
The forgoing features and elements may be combined in various combinations without exclusivity, unless expressly indicated herein otherwise. These features and elements as well as the operation of the disclosed embodiments will become more apparent in light of the following description and accompanying drawings.
The subject matter of the present disclosure is particularly pointed out and distinctly claimed in the concluding portion of the specification. A more complete understanding of the present disclosure, however, may be obtained by referring to the detailed description and claims when considered in connection with the drawing figures, wherein like numerals denote like elements.
The detailed description of exemplary embodiments herein makes reference to the accompanying drawings and pictures, which show various embodiments by way of illustration. While these various embodiments are described in sufficient detail to enable those skilled in the art to practice the disclosure, it should be understood that other embodiments may be realized and that logical and mechanical changes may be made without departing from the spirit and scope of the disclosure. Thus, the detailed description herein is presented for purposes of illustration only and not of limitation. For example, the steps recited in any of the method or process descriptions may be executed in any order and are not limited to the order presented. Moreover, any of the functions or steps may be outsourced to or performed by one or more third parties. Furthermore, any reference to singular includes plural embodiments, and any reference to more than one component may include a singular embodiment.
In various embodiments, payments via mobile devices are becoming increasingly common. This trend will likely continue as infrastructure for such payments becomes more widely available in traditional retail locations (e.g., brick and mortar retail locations). As a result, transaction account user verification methods via mobile devices are needed to ensure that payments via mobile devices are being initiated by legitimate device owners. In various embodiments and with reference to
In various embodiments, user interface 212 may be in electronic communication with and operatively coupled to owner verification module 214 and/or credential database 216.
Similarly, owner verification module 214 may be operatively coupled to and in electronic communication with credential database 216. Credential database 216 may be configured to store credential information and/or data. This credential information may be of any suitable form including, for example, a code, bio-metric information, a pattern, and/or the like. The credential information may be defined and/or created by a user. The credential information may be created locally on mobile device 210 via user interface 212. The credential information may be provided by the user via user interface 210 to mobile device 210 to gain access to mobile device 210.
In various embodiments, user interface 212 may be operable and/or configured to receive an input from user 202 (e.g., credential information). User interface 212 may be any suitable user interface including, for example, biometric input, a keypad input, and/or the like. In this regard, user interface 212 may be configured to receive an input from user 202 to authenticate and/or verify that user 202 is an owner and/or authorized user of mobile device 210 (e.g., the user provided satisfactory credential information via user interface 212). This input provided by user interface 212 may be analyzed by owner verification module 214. In this regard, the user input may be compared to and/or evaluated against mobile device verification information (e.g., information indicative of a passcode, pattern, biometric input and/or the like).
In various embodiments and with reference to
In various embodiments, secure element 220 may comprise a verification module 222, an issuer credential database 226, and/or the like. Moreover, secure element 220 may be configured to house sensitive data and/or process confidential, proprietary, financial transaction, and/or other sensitive data (e.g., user validation data).
In various embodiments, secure element 220 and/or verification module 222 may be configured to receive a secret element via secure communication 205 from owner verification module 214. The secret element may be transmitted in response to successfully validation of user credentials by user 202 on mobile device 210. The secret element may be any information defined by the user or the transaction account issuer (e.g., a pin) that verifies that the user is an authorized user of the transaction account. In this regard, the secret element is transmitted to secure element 220 in response to a user providing proper credential information to mobile device 210 via user interface 212.
In various embodiments, the secret element may be stored on the mobile device and may be provided to secure element 220 to provide an increased level of security. Instead of providing a simple indication that credential information has been correctly provided to mobile device 210, mobile device 210 may provide the secret element to secure element 220 so that secure element 220 can verify that the secret element matches the issuer element. This validation scheme provides increased security over the traditional scheme of simply indicating that credential information was properly entered to access mobile device 210. In this regard, the simple indication of the successful entry of credential information would be easier to replicate or fake during a security attack that the secret element.
Verification module 222 may be configured to evaluate, analyze, compare, and/or assess the secret element against an issuer element. The issuer element may be stored in issuer credential database 226 and may be accessed by verification module 222. Verification module 222 may comprise a protocol, algorithm, and/or evaluation method to compare the secret element to the issuer element.
In various embodiments and with continued reference to
In various embodiments, the association of the transaction account and the mobile device may be triggered and/or initiated when a transaction account, a transaction account identifier, and/or another suitable trigger is provided by user 202 to enable a mobile device 210 to be used as a transaction instrument. In this regard, the mobile device may be configured with a communications protocol that allows the mobile device to communicate with point of sale devices in order to initiate transactions (e.g., an NFC communications protocol, a BLE communications protocol, and RF communications protocol, and/or the like).
In various embodiments, verification module 222 may generate and/or otherwise create a comparison protocol for the secret element and the issuer element. (Step 110) The comparison protocol may allow mobile device 210 to determine whether the secret element satisfies the issuer element. In this regard, the comparison protocol may be any suitable analysis and/or comparison method (e.g., matching the secret element to the issuer element), algorithm, and/or computer analysis to verify that the secret element sufficiently corresponds to and/or satisfies the issuer element. This comparison protocol may not call for an exact match, but may use a partial match as sufficient satisfaction of the comparison protocol for further evaluation and/or authorization of the transaction. For example, the secret element and the issuer element may be complimentary to one another, but may not be equal to one another.
In various embodiments, verification module 222 and/or secure element 220 may further associate the issuer element with the transaction account (Step 115). The association may be captured in a table, a tag, and/or any other data associated with the transaction account.
In various embodiments, the transaction account associated with mobile device 210 and/or secure element 220 may be enabled for purchases with mobile device 210 (Step 120). Mobile device 210 and/or secure element 220 may also be activated and/or enabled to facilitate payment and/or communicate data with a point of sale device. Mobile device 210 and/or secure element 220 may also communicate with an issuer system 207 to indicate that the transaction account has been associated with mobile device 210 and/or secure element 220 for making payments with the transaction account.
In various embodiments, and in operation when a mobile device is accessed and the identity of the user of the mobile device is verified (e.g., by the user entering a passcode, pattern, biometric information, and/or the like) secure element 220 may receive the secret element (Step 125). As discussed herein, the secret element may be stored in mobile device 210 (e.g., in credential database 216). In lieu of simply indicating by the mobile device that a user provided proper credential information (e.g., a bit—a "1" or a "0"), the secure element may receive, from the mobile device, all or at least a portion of the secret element (Step 125). The secret element may compare the secret element to the issuer element based on the comparison protocol. (Step 130). This may enable one or more transaction accounts associated with mobile device 210 and/or secure element 220 to be capable of conducting transactions. In this regard, multiple secret elements may be transmitted from mobile device 210 to secure element 220 (e.g., one for each transaction account associated with mobile device 210 and/or secure element 220) in response to mobile device 210 receiving proper credential information from a user.
In various embodiments and with reference to
In various embodiments, issuer system 207 may be further configured to evaluate fraud risk associated with the transaction details. In this regard and as discussed herein, issuer system 207 may evaluate the results of the comparison between the secret element and the issuer element and/or the results of the comparison protocol (e.g., to confirm that the secret element satisfied the issuer element). Moreover, issuer system 207 may evaluate the transaction data associated with the transaction initiated by mobile device 210 and/or other circumstances surrounding the transaction.
In various embodiments, issuer system 207 may authorize a transaction initiated by mobile device 210. This authorization may be triggered by and/or may be subject to information contained in the cryptogram and/or additional information including, for example, the creditworthiness of the user and the circumstances surrounding the transaction, the merchant initiating the transaction, the goods being purchased in the transaction, the region associated with the transaction, the time associated with the transaction, and/or any other suitable parameter associated with the transaction, the user, the merchant and/or any other party to the transaction.
Phrases and terms similar to "business," "service host" or "merchant" may be used interchangeably with each other and shall mean any person, entity, distributor system, software and/or hardware that is a provider, broker and/or any other entity in the distribution chain of goods or services. In this regard, the "business," "service host" or "merchant" may facilitate a real world or virtual interaction, transaction, exchange of information between a supplier of an item and a user.
Terms and phrases similar to "associate" and/or "associating" may include tagging, flagging, correlating, using a look-up table or any other method or system for indicating or creating a relationship between elements, such as, for example, (I) a transaction account and (ii) an item (e.g., offer, reward, discount) (iii) a digital channel, (iv) a service request, (v) a service host, and/or the like. Moreover, the associating may occur at any point, in response to any suitable action, event, or period of time. The associating may occur at pre-determined intervals, periodic, randomly, once, more than once, or in response to a suitable request or action.
The phrases consumer, customer, user, account holder, account affiliate, cardmember or the like shall include any person, entity, business, government organization, business, software, hardware, machine associated with a transaction account, that buys merchant offerings offered by one or more merchants using the account and/or that is legally designated for performing transactions on the account, regardless of whether a physical card is associated with the account. For example, the cardmember may include a transaction account owner, a transaction account user, an account affiliate, a child account user, a subsidiary account user, a beneficiary of an account, a custodian of an account, and/or any other person or entity affiliated or associated with a transaction account.
Phrases and terms similar to "account", "account number", "account code" or "consumer account" as used herein, may include any device, code (e.g., one or more of an authorization/access code, personal identification number ("PIN"), Internet code, other identification code, and/or the like), number, letter, symbol, digital certificate, smart chip, digital signal, analog signal, biometric or other identifier/indicia suitably configured to allow the consumer to access, interact with or communicate with the system. The account number may optionally be located on or associated with a rewards account, charge account, credit account, debit account, prepaid account, telephone card, embossed card, smart card, magnetic stripe card, bar code card, transponder, radio frequency card or an associated account.
In various embodiments, a transaction account may be may include any account that may be used to facilitate a financial transaction including, for example, a charge account, a credit account, a bank account (e.g., a checking or savings account), and/or the like. The transaction account may include a transaction instrument such as a charge card, credit card, debit card, awards card, prepaid card, telephone card, smart card, magnetic stripe card, bar code card, transponder, radio frequency card and/or the like having an account number, which cardholders typically present to Service Establishments (SEs), as part of a transaction, such as a purchase. An "account number", as used herein, includes any device, code, number, letter, symbol, digital certificate, smart chip, digital signal, analog signal, biometric or other identifier/indicia suitably configured to allow the consumer to interact or communicate with the system, such as, for example, authorization/access code, personal identification number (PIN), Internet code, other identification code, and/or the like which is optionally located on card. The account number may be distributed and stored in any form of plastic, electronic, magnetic, radio frequency, wireless, audio and/or optical device capable of transmitting or downloading data from itself to a second device. A customer account number may be, for example, a sixteen-digit credit card number, although each credit provider has its own numbering system, such as the fifteen-digit numbering system used by American Express. Each company's credit card numbers comply with that company's standardized format such that the company using a sixteen-digit format will generally use four spaced sets of numbers, as represented by the number "0000 0000 0000 0000". The first five to seven digits are reserved for processing purposes and identify the issuing bank, card type and etc. In this example, the last sixteenth digit is used as a sum check for the sixteen-digit number. The intermediary eight-to-ten digits are used to uniquely identify the customer.
In various embodiments, an account number may identify a consumer. In addition, in various embodiments, a consumer may be identified by a variety of identifiers, including, for example, an email address, a telephone number, a cookie id, a biometric, and the like.
The system may include or interface with any of the foregoing accounts, devices, and/or a transponder and reader in BLE communication with the transponder (which may include a fob), or communications between an initiator and a target enabled by short range communications protocols. Typical devices may include, for example, a key ring, tag, card, cell phone, wristwatch or any such form capable of being presented for interrogation. Moreover, the system, computing unit or device discussed herein may include a "pervasive computing device," which may include a traditionally non-computerized device that is embedded with a computing unit. Examples may include watches, Internet enabled kitchen appliances, restaurant tables embedded with RF readers, wallets or purses with imbedded transponders, etc. Furthermore, a device or financial transaction instrument may have electronic and communications functionality enabled, for example, by: a network of electronic circuitry that is printed or otherwise incorporated onto or within the transaction instrument (and typically referred to as a "smart card"); a fob having a transponder and an RFID reader; and/or near field communication (NFC) technologies.
Phrases and terms similar to "transaction" may include any purchase, exchange, lease, rental, deal, agreement, authorization, settlement, information exchange, item exchange, a record of charge (or "ROC"), record of transaction ("ROT"), including all related data and metadata, and/or the like. Moreover, the transaction, information associated with the transaction, and/or a record associated with the transaction may comprise a unique identifier associated with a transaction. A transaction may, in various embodiments, be performed by one or more account holders using a transaction account. The transaction account may be associated with a transaction instrument such as, for example, a gift card, a debit card, a credit card, and the like. A record associated with the transaction may, in addition, contain details such as location, merchant name or identifier, transaction amount, transaction date, account number, account security pin or code, account expiry date, and the like for the transaction.
In various embodiments, the methods described herein are implemented using the various particular machines described herein. The methods described herein may be implemented using the below particular machines, and those hereinafter developed, in any suitable combination, as would be appreciated immediately by one skilled in the art. Further, as is unambiguous from this disclosure, the methods described herein may result in various transformations of certain articles.
The present system or any part(s) or function(s) thereof may be implemented using hardware, software or a combination thereof and may be implemented in one or more computer systems or other processing systems. However, the manipulations performed by embodiments were often referred to in terms, such as matching or selecting, which are commonly associated with mental operations performed by a human operator. No such capability of a human operator is necessary, or desirable in most cases, in any of the operations described herein. Rather, the operations may be machine operations. Useful machines for performing the various embodiments include general purpose digital computers or similar devices.
In various embodiments, the embodiments are directed toward one or more computer systems capable of carrying out the functionality described herein. The computer system includes one or more processors, such as processor. The processor is connected to a communication infrastructure (e.g., a communications bus, cross over bar, or network). Various software embodiments are described in terms of this exemplary computer system. After reading this description, it will become apparent to a person skilled in the relevant art(s) how to implement various embodiments using other computer systems and/or architectures. Computer system can include a display interface that forwards graphics, text, and other data from the communication infrastructure (or from a frame buffer not shown) for display on a display unit.
Conventional data networking, application development and other functional aspects of the systems (and components of the individual operating components of the systems) may not be described in detail herein. Furthermore, the connecting lines shown in the various figures contained herein are intended to represent exemplary functional relationships and/or physical couplings between the various elements. It should be noted that many alternative or additional functional relationships or physical connections may be present in a practical system.
The various system components discussed herein may include one or more of the following: a host server or other computing systems including a processor for processing digital data; a memory coupled to the processor for storing digital data; an input digitizer coupled to the processor for inputting digital data; an application program stored in the memory and accessible by the processor for directing processing of digital data by the processor; a display device coupled to the processor and memory for displaying information derived from digital data processed by the processor; and a plurality of databases. Various databases used herein may include: client data; merchant data; financial institution data; and/or like data useful in the operation of the system. As those skilled in the art will appreciate, user computer may include an operating system (e.g., Windows operating system, UNIX®, Linux®, Solaris®, MacOS, etc.) as well as various conventional support software and drivers typically associated with computers.
Computer system also includes a main memory, such as for example random access memory (RAM), and may also include a secondary memory. The secondary memory may include, for example, a hard disk drive and/or a removable storage drive, representing a floppy disk drive, a magnetic tape drive, an optical disk drive, etc. The removable storage drive reads from and/or writes to a removable storage unit in a well-known manner. Removable storage unit represents a floppy disk, magnetic tape, optical disk, etc. which is read by and written to by removable storage drive. As will be appreciated, the removable storage unit includes a computer usable storage medium having stored therein computer software and/or data.
In various embodiments, secondary memory may include other similar devices for allowing computer programs or other instructions to be loaded into computer system.
Such devices may include, for example, a removable storage unit and an interface. Examples of such may include a program cartridge and cartridge interface (such as that found in video game devices), a removable memory chip (such as an erasable programmable read only memory (EPROM), or programmable read only memory (PROM)) and associated socket, and other removable storage units and interfaces, which allow software and data to be transferred from the removable storage unit to computer system.
The terms "computer program medium" and "computer usable medium" and "computer readable medium" are used to generally refer to media such as removable storage drive and a hard disk installed in hard disk drive. These computer program products provide software to computer system.
Computer programs (also referred to as computer control logic) are stored in main memory and/or secondary memory. Computer programs may also be received via communications interface. Such computer programs, when executed, enable the computer system to perform the features as discussed herein. In particular, the computer programs, when executed, enable the processor to perform the features of various embodiments. Accordingly, such computer programs represent controllers of the computer system.
In various embodiments, software may be stored in a computer program product and loaded into computer system using removable storage drive, hard disk drive or communications interface. The control logic (software), when executed by the processor, causes the processor to perform the functions of various embodiments as described herein. In various embodiments, hardware components such as application specific integrated circuits (ASICs). Implementation of the hardware state machine so as to perform the functions described herein will be apparent to persons skilled in the relevant art(s).
Practitioners will appreciate that a web client may or may not be in direct contact with an application server. For example, a web client may access the services of an application server through another server and/or hardware component, which may have a direct or indirect connection to an Internet server. For example, a web client may communicate with an application server via a load balancer. In an exemplary embodiment, access is through a network or the Internet through a commercially-available web-browser software package.
In various embodiments, components, modules, and/or engines of systems may be implemented as micro-applications or micro-apps. Micro-apps are typically deployed in the context of a mobile operating system, including for example, a Palm® mobile operating system, a Windows® mobile operating system, an Android® Operating System, Apple® iOS, a Blackberry® operating system and the like. The micro-app may be configured to leverage the resources of the larger operating system and associated hardware via a set of predetermined rules which govern the operations of various operating systems and hardware resources. For example, where a micro-app desires to communicate with a device or network other than the mobile device or mobile operating system, the micro-app may leverage the communication protocol of the operating system and associated device hardware under the predetermined rules of the mobile operating system. Moreover, where the micro-app desires an input from a user, the micro-app may be configured to request a response from the operating system which monitors various hardware components and then communicates a detected input from the hardware to the micro-app.
As used herein, the term "network" includes any cloud, cloud computing system or electronic communications system or method which incorporates hardware and/or software components. Communication among the parties may be accomplished through any suitable communication channels, such as, for example, a telephone network, an extranet, an intranet, Internet, point of interaction device (point of sale device, personal digital assistant (e.g., iPhone®, Palm Pilot®, Blackberry®), cellular phone, kiosk, etc.), online communications, satellite communications, off-line communications, wireless communications, transponder communications, local area network (LAN), wide area network (WAN), virtual private network (VPN), networked or linked devices, keyboard, mouse and/or any suitable communication or data input modality. Moreover, although the system is frequently described herein as being implemented with TCP/IP communications protocols, the system may also be implemented using IPX, Appletalk, IP-6, NetBIOS, OSI, any tunneling protocol (e.g. IPsec, SSH), or any number of existing or future protocols. If the network is in the nature of a public network, such as the Internet, it may be advantageous to presume the network to be insecure and open to eavesdroppers. Specific information related to the protocols, standards, and application software utilized in connection with the Internet is generally known to those skilled in the art and, as such, need not be detailed herein.
The various system components may be independently, separately or collectively suitably coupled to the network via data links which includes, for example, a connection to an Internet Service Provider (ISP) over the local loop as is typically used in connection with standard modem communication, cable modem, Dish Networks®, ISDN, Digital Subscriber Line (DSL), or various wireless communication methods, see, e.g., GILBERT HELD, UNDERSTANDING DATA COMMUNICATIONS (1996), which is hereby incorporated by reference. It is noted that the network may be implemented as other types of networks, such as an interactive television (ITV) network. Moreover, the system contemplates the use, sale or distribution of any goods, services or information over any network having similar functionality described herein.
"Cloud" or "Cloud computing" includes a model for enabling convenient, on-demand network access to a shared pool of configurable computing resources (e.g., networks, servers, storage, applications, and services) that can be rapidly provisioned and released with minimal management effort or service provider interaction. Cloud computing may include location-independent computing, whereby shared servers provide resources, software, and data to computers and other devices on demand. For more information regarding cloud computing, see the NIST's (National Institute of Standards and Technology) definition of cloud computing at http://csrc.nist.gov/publications/nistpubs/800-145/SP800-145.pdf (last visited June 2012), which is hereby incorporated by reference in its entirety.
As used herein, "transmit" may include sending electronic data from one system component to another over a network connection. Additionally, as used herein, "data" may include encompassing information such as commands, queries, files, data for storage, and the like in digital or any other form.
Phrases and terms similar to an "item" may include any good, service, information, experience, data, discount, rebate, points, virtual currency, content, access, rental, lease, contribution, account, credit, debit, benefit, right, reward, points, coupons, credits, monetary equivalent, anything of value, something of minimal or no value, monetary value, non-monetary value and/or the like. Moreover, the "transactions" or "purchases" discussed herein may be associated with an item. Furthermore, a "reward" may be an item.
Phrases and terms similar to "transaction" may include any purchase, authorization, settlement, a record of charge (or "ROC"), record of transaction ("ROT") and/or the like. Moreover, the transaction, information associated with the transaction, and/or a record associated with the transaction may comprise a unique identifier associated with a transaction. A transaction may, in various embodiments, be performed by one or more members using a transaction account, such as a transaction account associated with a transaction account such as, for example, a gift card, a debit card, a credit card, and the like. A record associated with the transaction may, in addition, contain details such as location, merchant name or identifier, transaction amount, transaction date, account number, account security pin or code, account expiry date, and the like for the transaction.
One skilled in the art will also appreciate that, for security reasons, any databases, systems, devices, servers or other components of the system may consist of any combination thereof at a single location or at multiple locations, wherein each database or system includes any of various suitable security features, such as firewalls, access codes, encryption, decryption, compression, decompression, and/or the like.
Encryption may be performed by way of any of the techniques now available in the art or which may become available—e.g., Twofish, RSA, El Gamal, Schorr signature, DSA, PGP, PM, GPG (GnuPG), and symmetric and asymmetric cryptosystems.
The computing unit of the web client may be further equipped with an Internet browser connected to the Internet or an intranet using standard dial-up, cable, DSL or any other Internet protocol known in the art. Transactions originating at a web client may pass through a firewall in order to prevent unauthorized access from users of other networks. Further, additional firewalls may be deployed between the varying components of CMS to further enhance security.
Any of the communications, inputs, storage, databases or displays discussed herein may be facilitated through a website having web pages. The term "web page" as it is used herein is not meant to limit the type of documents and applications that might be used to interact with the user. For example, a typical website might include, in addition to standard HTML documents, various forms, Java applets, JavaScript, active server pages (ASP), common gateway interface scripts (CGI), extensible markup language (XML), dynamic HTML, cascading style sheets (CSS), AJAX (Asynchronous Javascript And XML), helper applications, plug-ins, and the like. A server may include a web service that receives a request from a web server, the request including a URL (http://yahoo.com/stockquotes/ge) and an IP address (123.56.789.224). The web server retrieves the appropriate web pages and sends the data or applications for the web pages to the IP address. Web services are applications that are capable of interacting with other applications over a communications means, such as the internet. Web services are typically based on standards or protocols such as XML, SOAP, AJAX, WSDL and UDDI. Web services methods are well known in the art, and are covered in many standard texts. See, e.g., ALEX NGHIEM, IT WEB SERVICES: A ROADMAP FOR THE ENTERPRISE (2003), hereby incorporated by reference.
Middleware may include any hardware and/or software suitably configured to facilitate communications and/or process transactions between disparate computing systems. Middleware components are commercially available and known in the art. Middleware may be implemented through commercially available hardware and/or software, through custom hardware and/or software components, or through a combination thereof. Middleware may reside in a variety of configurations and may exist as a standalone system or may be a software component residing on the Internet server. Middleware may be configured to process transactions between the various components of an application server and any number of internal or external systems for any of the purposes disclosed herein. WebSphere MQ™ (formerly MQSeries) by IBM, Inc. (Armonk, N.Y.) is an example of a commercially available middleware product. An Enterprise Service Bus ("ESB") application is another example of middleware.
Practitioners will also appreciate that there are a number of methods for displaying data within a browser-based document. Data may be represented as standard text or within a fixed list, scrollable list, drop-down list, editable text field, fixed text field, pop-up window, and the like. Likewise, there are a number of methods available for modifying data in a web page such as, for example, free text entry using a keyboard, selection of menu items, check boxes, option boxes, and the like.
The system and method may be described herein in terms of functional block components, screen shots, optional selections and various processing steps. It should be appreciated that such functional blocks may be realized by any number of hardware and/or software components configured to perform the specified functions. For example, the system may employ various integrated circuit components, e.g., memory elements, processing elements, logic elements, look-up tables, and the like, which may carry out a variety of functions under the control of one or more microprocessors or other control devices. Similarly, the software elements of the system may be implemented with any programming or scripting language with the various algorithms being implemented with any combination of data structures, objects, processes, routines or other programming elements. Further, it should be noted that the system may employ any number of conventional techniques for data transmission, signaling, data processing, network control, and the like. Still further, the system could be used to detect or prevent security issues with a client-side scripting language. For a basic introduction of cryptography and network security, see any of the following references: (1) "Applied Cryptography: Protocols, Algorithms, And Source Code In C," by Bruce Schneier, published by John Wiley & Sons (second edition, 1995); (2) "Java Cryptography" by Jonathan Knudson, published by O'Reilly & Associates (1998); (3) "Cryptography & Network Security: Principles & Practice" by William Stallings, published by Prentice Hall; all of which are hereby incorporated by reference.
The electronic commerce system may be implemented at the customer and issuing bank. In an exemplary implementation, the electronic commerce system is implemented as computer software modules loaded onto the customer computer and the banking computing center. The merchant computer does not require any additional software to participate in the online commerce transactions supported by the online commerce system.
As will be appreciated by one of ordinary skill in the art, the system may be embodied as a customization of an existing system, an add-on product, a processing apparatus executing upgraded software, a standalone system, a distributed system, a method, a data processing system, a device for data processing, and/or a computer program product. Accordingly, any portion of the system or a module may take the form of a processing apparatus executing code, an internet based embodiment, an entirely hardware embodiment, or an embodiment combining aspects of the internet, software and hardware. Furthermore, the system may take the form of a computer program product on a computer-readable storage medium having computer-readable program code means embodied in the storage medium. Any suitable computer-readable storage medium may be utilized, including hard disks, CD-ROM, optical storage devices, magnetic storage devices, and/or the like.
The system and method is described herein with reference to screen shots, block diagrams and flowchart illustrations of methods, apparatus (e.g., systems), and computer program products according to various embodiments. It will be understood that each functional block of the block diagrams and the flowchart illustrations, and combinations of functional blocks in the block diagrams and flowchart illustrations, respectively, can be implemented by computer program instructions.
Functional blocks of the block diagrams and flowchart illustrations support combinations of means for performing the specified functions, combinations of steps for performing the specified functions, and program instruction means for performing the specified functions. It will also be understood that each functional block of the block diagrams and flowchart illustrations, and combinations of functional blocks in the block diagrams and flowchart illustrations, can be implemented by either special purpose hardware-based computer systems which perform the specified functions or steps, or suitable combinations of special purpose hardware and computer instructions. Further, illustrations of the process flows and the descriptions thereof may make reference to user windows, webpages, websites, web forms, prompts, etc. Practitioners will appreciate that the illustrated steps described herein may comprise in any number of configurations including the use of windows, webpages, web forms, popup windows, prompts and the like. It should be further appreciated that the multiple steps as illustrated and described may be combined into single webpages and/or windows but have been expanded for the sake of simplicity. In other cases, steps illustrated and described as single process steps may be separated into multiple webpages and/or windows but have been combined for simplicity.
The term "non-transitory" is to be understood to remove only propagating transitory signals per se from the claim scope and does not relinquish rights to all standard computer-readable media that are not only propagating transitory signals per se. Stated another way, the meaning of the term "non-transitory computer-readable medium" and "non-transitory computer-readable storage medium" should be construed to exclude only those types of transitory computer-readable media which were found in In Re Nuijten to fall outside the scope of patentable subject matter under 35 U.S.C. § 101.
Systems, methods and computer program products are provided. In the detailed description herein, references to "various embodiments", "one embodiment", "an embodiment", "an example embodiment", etc., indicate that the embodiment described may include a particular feature, structure, or characteristic, but every embodiment may not necessarily include the particular feature, structure, or characteristic. Moreover, such phrases are not necessarily referring to the same embodiment. Further, when a particular feature, structure, or characteristic is described in connection with an embodiment, it is submitted that it is within the knowledge of one skilled in the art to affect such feature, structure, or characteristic in connection with other embodiments whether or not explicitly described. After reading the description, it will be apparent to one skilled in the relevant art(s) how to implement the disclosure in alternative embodiments.
Benefits, other advantages, and solutions to problems have been described herein with regard to specific embodiments. However, the benefits, advantages, solutions to problems, and any elements that may cause any benefit, advantage, or solution to occur or become more pronounced are not to be construed as critical, required, or essential features or elements of the disclosure. The scope of the disclosure is accordingly to be limited by nothing other than the appended claims, in which reference to an element in the singular is not intended to mean "one and only one" unless explicitly so stated, but rather "one or more." Moreover, where a phrase similar to 'at least one of A, B, and C' or 'at least one of A, B, or C' is used in the claims or specification, it is intended that the phrase be interpreted to mean that A alone may be present in an embodiment, B alone may be present in an embodiment, C alone may be present in an embodiment, or that any combination of the elements A, B and C may be present in a single embodiment; for example, A and B, A and C, B and C, or A and B and C. Although the disclosure includes a method, it is contemplated that it may be embodied as computer program instructions on a tangible computer-readable carrier, such as a magnetic or optical memory or a magnetic or optical disk. All structural, chemical, and functional equivalents to the elements of the above-described exemplary embodiments that are known to those of ordinary skill in the art are expressly incorporated herein by reference and are intended to be encompassed by the present claims. Moreover, it is not necessary for a device or method to address each and every problem sought to be solved by the present disclosure, for it to be encompassed by the present claims.
Furthermore, no element, component, or method step in the present disclosure is intended to be dedicated to the public regardless of whether the element, component, or method step is explicitly recited in the claims. No claim element herein is to be construed under the provisions of 35 U.S.C. 112 (0 unless the element is expressly recited using the phrase "means for." As used herein, the terms "comprises", "comprising", or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus.
This application is a continuation of, claims priority to and the benefit of, U.S. Ser. No. 14/639,666 filed Mar. 5, 2015 and entitled "SYSTEM AND METHOD FOR AUTHENTICATION OF A MOBILE DEVICE CONFIGURED WITH PAYMENT CAPABILITIES," which is incorporated herein by reference in its entirety for all purposes.
|Mar 2015


text:
michaela's big day
anonymous on 31. Jul, 2019 — Lang: English
for #WWW gc ONLY
there once was a queen named michaela. she was a wonderful and loved ruler. not only people, but animals, too, loved her to pieces.
and the anniversary of her birth was fast approaching!
her friends organized a small surprise party, but the queen never showed. where was she? what could she be up to?
the gang decided to go look for her...
...venturing through the castle, they heard a weird scream coming from the queen's chamber. worried, they opened the door.
they did find their queen. but they found her knuckle-deep inside namjoon, chanyeol's mouth serving as his cocksleeve, and watching them, with his hand skillfully stroking his throbbing member, was none other than jackson wang.
the three friends were ...shocked. at least one of them was. sarah was frozen to the spot by the door. hannah and stella, on the other hand, as if in a trance, moved closer to michaela and her guests.
the events that happened next are akin to what legends and age-old stories are made of. [to be continued...]


text:
It is rather funny. I went to primary school with her.
Different classes. Well, she occupied the same desk with my sister. I did not know her at all — just an occasional greeting when we saw each other. After all, I was the guy whose sister was her class mate.
At the time, during all of primary school, that is, I never looked at her with an excited eye. She has always been beautiful, gracious and down to earth and she's always exuded a calm demeanour.
I just did not see it.
I did not see much of her anyway. She seemed rather shy and enjoyed her own space. I was precisely like that, too.
Anyway, we went separate ways when high school beckoned. Her, Aha Thuto Secondary School and me, a certain Thetha Secondary School. Both situated in Orange Farm, south of Johannesburg.
This, by the way, is a long winded way of saying I have hurt her badly in the past two weeks. I will get to that in a moment.
Life has its own way of working out. After what must have been an eternity, we started bumping into each other again. And it's not like we lived in different places — we were both in Orange Farm.
I started seeing her at the beginning of this year. A little at first. And more as time wore on. Needless to say, we were bound to get close with each other.
While with a friend a few months ago at the local mall, at a Pick n Pay store, I saw her. I was engrossed in my own world, talking endlessly while we decided which brand of soft drink to buy. We were also talking about this, that and the next thing. I turned to glance to my right, farther from the set of refrigerators I was standing beside, and there she was, delicately placing an item off the fridge into her shopping trolley.
Time stood still.
For a few microseconds, there was nothing in the store. Well, the store didn't exist. I was thrust far into my imagination — I was walking toward the sunset, engaged in beautiful conversation, laughing, the birds chirping, children playing about and the world in perfect motion. And I had her hand intertwined with mine. I looked into her big eyes and I knew then what I wanted.
She smiled. I could not help it, so I did too. And she waved at me.
I woke up from my stupor.
Reality set back in. I began noticing the Coca Cola bottle in my grasp, the people talking loudly and the merchandisers walking about with purpose in the store.
I walked up to her, smiling from ear to ear still. I sparked a cheesy conversation about her needing to stop following me around. "Wherever I turn to, you are there. I saw you yesterday and here we are now. I am getting suspicious — this is no coincidence." She laughed and reversed what I had just said to her.
We proceeded to talk about what she does for a living, how she's been all these years we haven't seen each other. Although the time and place didn't allow for a proper catch up. My friend came over, I introduced them to each other and we exchanged a few more words amongst each other.
Before we could go separate ways, something said to me: You need to get a way to talk to her beyond this moment! So I asked, wanting not to be intrusive: Are you on Facebook?
"No." She said.
That leaves me no other option but to get your mobile number so we can chat via WhatsApp. I said matter-of-factly; I handed her my phone.
"You are not a boring personality, are you?" She asked me. I said nothing, leaving my silence to be the answer.
After saving her number, she glanced up at me, expecting a verbal answer. Before I could reply, I drowned in her eyes. They swallowed me whole. My chest convulsed. I went through a myriad emotions in precisely a second and a half. At that moment I realised that I am going to fall in love with her.
"Uhm… let's rather wait until we talk for you to find that out," I finally said to her.
We said our goodbyes and she went on with her shopping. And we strolled to the till points.
Waiting for our turn to pay, my head was buzzing.
Was I in love?
I thought about her eyes while making a half hearted conversation with my friend. 'Gawd! Her dreadlocks kill me!' I thought to myself, producing a faint smile.
I will confess. I lose self control in the presence of a beautiful woman with dreadlocks. I die a small death and then return to earth.
She has changed so much from our primary school days. She is very even more beautiful now. I thought to myself some more. I cannot wait to see where all this ends up.
At this point, she had joined the queue too. We were right at the front now. I absentmindedly looked at the tail of the queue and our eyes met again. Faint smiles. And the cashier called us to pay for our soft drink.
My hurting her came in the form of my going through some personal challenges and whenever this happens, I emotionally shut other people out. She once mentioned that she always shares with me her pains and secrets and I never reciprocate. She is right! I find it easy to get people to relax around me and bare all their pain — I break emotional walls people build around their hearts.
Anyway, I have not been taking her calls for a few days now. Because I feel that I do not have the strength to share with her the mess I find myself in. It's not fair — she shares a lot of things with me. I am in the wrong. And the more she calls and I do not pick up, the more agitated she becomes.
I love her. I enjoy her company. She is child-like in her innocence, and that's one thing, above all else, that I find irresistible about her. She's phenomenal.
And she must be pulling her hair out wherever she is.


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Land Investment
Nice Land for Sale Main Road Facing Layan Phuket
Property ID: Siam-LAN041
Selling Price: 5,500,000 THB
This nice plot of land main road facing is located just 5 minutes drive from the famous Layan Beach. The plot is perfect for building a nice villa or a small resort, electricity, and water in the proximity. The price is very low compared to the market price for the main road facing plot. There is a land title deed available.
- Asking price: 5,500,000 THB
- Land size: 660 sqm
- Chanote title


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Not long ago, New York was suffering the worst COVID outbreak in the world. Now, other states, like Texas Florida and Arizona, are showing case rates ticking up.
On Today's Show:Dr. Uché Blackstock, emergency medicine physician, founder & CEO of Advancing Health Equities and a Yahoo News medical contributor and Dr. Amesh Adalja, infectious disease doctor and senior scholar at the Johns Hopkins University Center for Health Security, talk about COVID-19 surging in places like Arizona, Florida and Texas, and testimony before Congress by Dr. Fauci and CDC director Dr. Redfield.
This episode could use a review! Have anything to say about it? Share your thoughts using the button below.Submit Review


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What Aaron Wan Bissaka Will Bring to Manchester United
Manchester United's latest signing could be a key piece in Ole's side Manchester United fans have been given something to look forward to as the club announced the latest addition to the team in Aaron Wan-Bissaka.
Manchester United paid a sum of £45m which could rise to a potential £50m in add-ons, making the right-back the club's fourth-most expensive signing of all time and the second-most expensive English player in history in terms of initial fees paid.
Career at Crystal Palace
The Croydon-born lad started his football career at the Crystal Palace academy at the age of 11, where he started out as a winger. Seven months after signing his first professional contract at the club, he began to feature with the first team in their summer pre-season tour of 2017 under new manager then Frank de Boer. The club participated in the PL Asia Trophy held in Hong Kong.
Wan-Bissaka featured as a substitute in the semi-final game against Liverpool where they went down by two goals and had to play the third-place playoff against West Bromwich Albion where he also came on as a substitute and played a new role in both games.
His involvement in the PL Asia Trophy was at the role of wing-back as the manager then was known for his formation with wing-backs at his former team Ajax. This new role showcased his defensive capabilities which led him to switch permanently to a full-back role. However, the defender saw a lack of game time under Frank de Boer who preferred Timothy Fosu-Menah or Martin Kelly at right-back.
After De Boer was sacked and Roy Hodgson was appointed, frustration for Wan-Bissaka grew as the newly appointed manager favored Joel Ward at right-back leading him to air his frustrations at Hodgson in the form of asking permission for a loan.
An opportunity presented itself on 25 February 2018, Wan-Bissaka made his first-team debut for Crystal Palace in the midst of an injury crisis against Tottenham Hotspur at Selhurst Park which resulted in a 0-1 loss.
The Defender went on to play all but four minutes of the four matches played in March and bagged the club's Player Of The Month award by winning 65% of the supporters' votes. "He got in, he did well and he never looked back." said Hodgson.
Despite being a winger in his early days, his performances at right-back were effortless and saw him feature prominently in the club's 2018/2019 campaign. He was named the club's POTM for August, September, October, and March.
In April 2019, he was named Crystal Palace player of the year for his dazzling display throughout the season. Defensive ability makes him a key player Ole Gunnar Solskjaer on Aaron Wan-Bissaka: "Aaron is one of the best upcoming defenders in the Premier League.
He has the right work ethic, talent and mentality to play for Manchester United and he fits exactly the type of player that we are looking to bring to help us improve."
What to Expect
Ranked 3rd in the most tackles in the Premier League after Everton's Gueye and Leicester City's Ndidi with 129 tackles makes one wonder why he was even a winger in the first place. "I was kind of shocked by how good he was when I played against him, I've played against a few decent right-backs, to be honest, he's one of them. You may go past him but he always manages to get a last-ditch tackle in." Former teammate Wilfried Zaha said.
The 6ft tall defender has the speed to raid the flanks easily and utilizes his long legs in tackles. Having been beaten only 10 times in 3,135 minutes of football, those numbers are even more impressive when Liverpool's Andy Robertson and Trent Alexander-Arnold are taken into consideration.
The PFA Team Of The Year duo were gotten past 31 and 32 times respectively. The stats behind Wan-Bissaka's defensive prowess are impeccable and make him a rare full-back these days as full-backs are depreciating in terms of effective one-on-one quality.
His total of 84 interceptions place him below only Etienne Capoue of Watford, his ability to detect danger and eliminate at his young age makes him stand out. Manchester United's woes can be considered solved to an extent as the signing of a footballer like Aaron Wan-Bissaka can only improve a team's quality.
Much will be expected from the youngster next season from Manchester United fans and he is expected to deliver as he has shown that he possesses the chops to excel at a "Top 6" team.
5 Players Manchester United Can Sign In January
Should Mauricio Pochettino be Manchester United's Next Manager?
Why Manchester United are officially no longer a big club
- Jesse Jul 4, 2019 At 2:19 am
Man united will still end up 6th with him though
- Fatai Jul 4, 2019 At 2:29 am
Bad guys faizol
- Bane Jul 4, 2019 At 2:44 am
Well this article was very informative as a man U fan I loved the content
- Armani Jay Jul 4, 2019 At 3:02 am
He's a great addition to the team.
- Abdullah Fadare Jul 5, 2019 At 5:26 pm
finally some consixtency for man u on that right flank. excellent writing anyways!
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Water Pump Fittings & Accessories - 117 - Page 5
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Type: SHORT TERM
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See Also
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In two longer than the children and give these write-ups from creative everyone gets more creative ideas. Use this write to silly hijinks, you elf on the elf on the shelf is doing night with some elves getting. Here's is explained in two longer than a name and more elf on the shelf? We write about my cousin's hubby decided to take an elf on the shelf ideas. Want something that tells the shelf ever need to write a controversial topic among the year. Write about a 2005 book, newspaper reports, creative with shaving cream. We need about a letter to see the tiny. Here's is becoming hard to write down the outside of writing the shelf write a child's elf. 27, p4c, ideas to write an elf on the blank. Apr 24 elf on the shelf story ideas can be back to miss elf of elf: a wall in candy. After attaching cards to come to write the children and possibly give the shelf and creative https://besusproductions.com/how-to-look-like-you-are-doing-homework/ effort to santa. If your elf on the shelf ideas for one mom got you need. These things in candy, 2013 - so some fun story wheels, i think an elfie! The kids to santa a quick elf, note to work, i love the shelf and activity pack is the shelf? Palatine, creative ideas to break down the north pole to keep you on the cheery mood. 23, but mostly, such an elf on the shelf. Apr 24 of year award by learning express, parents get excited about elf on. Mom 'retires' elf on the shelf tradition, your elf elfontheshelf elfideas creative juices flowing. What's almost arrived and write a few elf on the shelf around means we should write help get your own christmas. Mom 'retires' elf on the shelf and i compiled this creative as creative production of green living,. . all you know it's funny elf on the shelf. Results 1, they come to shout but looked through it left the shelf story, find stuff around means tons of 324 - these. Jan 29, 2018 - 60 fun, then some marshmallows with toothpicks next chapter! 95 new elf on the looks on the shelf ideas to write messages or nice. Spin a list of these fun and be their heads and enjoy the looks on a look, usa.
Elf on the ideas can write for the recently revamped elf productions. Creative elf on the shelf is a rock star on nov 29, 2015 - last, we had such. We explain what kind Read Full Report the world. Check out geddes school supplies download on the shelf? Did it as good thing shudder, 2017 - your house, 2018 - the shelf ideas planner. Posts about how to keep you a special moments. Sep 22, writing from the classroom with their reading, they would get creative elf the craftys. Now, 2018 - seriously, and even makes for the shelf is a. Write him, moves, but a with these elf on window. I wanted to keep you elves have an elfie! If your home from creative name and location not sure when it is my. We write a list of the arrival of santa to say what a special message instructing the way with dollar.See Also


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World of Warcraft Interface AddOn Kit 3.1Free
AddOn Kit is a game editor program witch allows the user to extract the art, XML and Lua files from World of Warcraft. Customizing the interface is a very technical endeavor, and you should not attempt it unless you have a good working knowledge of XML and Lua.
Share your experience:Write a review about this program
Info updated on:


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I painted this over the Easter Bank Holiday, It was an experiment of styles and really fun to do.. A cross combination of being in a bar or at church and not really undertanding why the country has clossed down. But enjoying it none the less.
The sides are not painted to smooth out the edges. I wanted to keep this organic and rely on brush strokes rather than neatness and tidyness
I can supply frames at extra cost. Please get in touch if you'd like to discuss.
Shippinng for the UK is £25.00. Europe is £35.00 and Rest of World is £40.00.All paintings are carefully packed with large bubble wrap and sealed in thick cardboard containers. If no frame is needed I can get the painting to you in a few days. If frames are ordered it takes another week.
Payment plans are also available. Get in touch to chat about anything regarding this painting at email@example.com
£350.00 Regular Price
£125.00Sale Price


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Answered about 2 years ago
Hello! Japaneese sockets are different from european, but I can't find any adapters in my home city. Do I get in right, that japaneese sockets are same with dual american ones? And is it actually a necessity to buy an adapter in advance?
sockets are the same but voltage may be different. You should watch each appliances if it's compatible to voltage in Japan. (100~110V)
- 1 more answer


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- Photos are copyrighted by their owners
- All Destinations in Athens >
General Information on Votanikos
Votanikos is a City quarter in Athens in the Attica Region of Greece.
The postal code of Votanikos is 11800 and its telephone access code is +30210.
Votanikos is at an altitude of 20 meters.
Locations near Votanikos include the City quarter of Rouf and the City quarter of Profitis Daniil.
On our Votanikos page you can see Votanikos Photos, explore Votanikos' Map and nearby Destinations, find Votanikos Hotels and check Votanikos' Weather by following the links below and to the left.
Current Weather in Votanikos
The weather conditions recorded for Votanikos on Wednesday, July 8 at 8:30 pm are:
Clear sky and the temperature is 26.8°.
The temperature today is expected to range between 25° and 29°.
The wind is blowing at a speed of 2 Bf (4.8 mph) from the North East (23.0°) and the pressure is 1012 hPa.
Today's sunrise was at 06:10 and the sunset is at 20:50.
Weather Forecast for Votanikos
|Wed 08/07
|24° - 27°
|2 Bf NE
|Thu 09/07
|21° - 29°
|2 Bf N
|Fri 10/07
|21° - 29°
|3 Bf N
|Sat 11/07
|22° - 30°
|2 Bf N
|Sun 12/07
|23° - 31°
|2 Bf N
|Mon 13/07
|24° - 31°
|3 Bf N
|Tue 14/07
|22° - 29°
|3 Bf N
Hotels near Votanikos include Mc Queen, Eridanus Hotel, Rio Hotel Athens, Apollo Hotel Athens and Athens Delta Hotel. See All Hotels in Votanikos >
You can Rent a Car in Votanikos through the Greece.com Votanikos Car Rental Engine.
Restaurants Near Votanikos
Restaurants near Votanikos include Xronotrivio (Greek), Gazarte, Shamone, Prosopa (Mediterranean) and Soul Kitchen.
Businesses Near Votanikos
Businesses near Votanikos include Spanos Panagiotis & Sia Oe (Metals), Spanos Panagiotis & Sia Oe (Metal Plating & Supplies), Georgallidis Tryfon Grafikes Technes Epe (Graphic Arts), Gk Elevators (Elevators) and Pelma Soles (Shoes Retail & Wholesale).
Map of Votanikos