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OTHER PUBLICATIONS

"Data access component framework", Feb. 2001, Research Disclo-
sure No. 442010.*

"Updating live HTML pages incrementally with data from Web
Servers", May 2000, Research Disclosure No. 433095 *
Kutler, A Different Drummer on the Data Highway, American
Banker, Section: No. 91, vol. 160, May 12, 1995, p. 14.
Epper, A Player Goes After Big Bucks in Cyberspace, American
Banker, vol. 160, No. 86, ISSN: 0002-7561, May 5, 1995, p. 17.
Berry et al., A potent new tool for selling databse, Business Week,
Cover Story, Sep. 5, 1994, pp. 56-62.
Applets, java.sun.com, May 21, 1999.

Associates National Bank (DE) Credit Card, Lhe Associates, www.
fheassociates.com/consumer/credit_cards/main.html, Apr. 6, 1999,
6 pages.

At Your Request, www.wingspanbank.com, Sep. 28, 1999.
ANONYMOUS, Aversion Lherapy: Banks Overcoming Fear of the
'Net to Develop Safe Internet-based Payment System w/ Netscape
Communicator, Network World, ISSN: 0887-7661, Dec. 12, 1994.
JAVA, Banking on JAVA(LM) Lechnology, java.sun.com, May 21,
1999.

Bechtel Construction Operations Incorporated Standardizes on
Primavera's Expedition Contract Management Software, Business
Wire, Jul. 27, 1999.

ANONYMOUS, CORBA Overview, arch2.htm at pent21.infosys.
tuwien.ac.at. May 25, 1999.

Vandenengel, Cards on the Internet: Advertising on a $3 Bill,

Industry Intelligence, Feb. 1, 1995, pp. 46-48.

Kutler, Cash Card Creator Looking Beyond Mondex, Feb. 9, 1995.

Bank, Cash, Check,Charge—What's Next?, Seattle Times, Mar. 6,

1995.

Marlin, Chasing Document Management, Inform, vol. 13, No. 4,
Apr. 199, p. 76-83.

Consortium Created to Manage Common Electronic Purse Speci-
fications, http://www.visa.com/av/news/PRmisc051199.vhtml,
printed Feb. 23, 2001.

Construction Financing to Build Your Own Home, ISBN: 0962864307, Jul. 1990.

Civitello Jr., Construction Operations Manual of Policies and Procedures, Third Edition, 2000.

Marchman, Construction Scheduling with Primavera Project Plan-
ner, May 25, 1999.

Chester, Cross-platform integration with XML and SOAP, IT PTO
Sep. 10, 2001.

Mitchell, Cyberspace: Crafting Software . . . , Business Week, Feb.
27, 1995, pp. 78-86.

Friedman, Dictionary of Business Terms, Barron's Third Edition,
Copyright 2000.

Strassel, Dutch Software Concern Experiments with Electronic
'Cash' in Cyberspace, The Wall Street Journal, Apr. 17, 1995.

Page 6

Post, E-Cash: Can't Live With It, Can't Live Without It, The American Lawyer, Mar. 1, 1995, pp. 116-117. Thomas, Enterprise JAVABEANS(TM) Technology: Server Component Model for the Java(TM) platform, java.sun.com, May 2, 1999.

Maize, Fannie Mae on the Web, Document ID: 52079, May 8, 1995.
FreeMarkets, printed on Apr. 26, 1999.

The Gale Group, G&D American's Multi-application Smart Card
Selected for Combined Payroll and 'Virtual Banking' Program in
Mexico, Business Wire, Apr. 24, 1998, p241047.
Getting Smart with Java: Sun Micro Says American Express to Use
Java for Smart Card, ABCNews.com, printed on Jun. 6, 2000.
Getting Started: Specific GE TPN Post Service Use Guidelines,
printed on Apr. 26, 1999.

Harris, Harris InfoSource, printed on Apr. 26, 1999.
Knowles, Improved Internet Security Enabling On-Line Commerce,
PCWeek, vol. 12, No. 11, ISSN: 0740-1604, Mar. 20, 1995.
Meredith, Internet bank moves closer to virtual reality, USA Today,
May 5, 1995.

Radosevich, Is Work Flow Working?, CNN.com, Apr. 6, 1999 at
<http://www.cnn.com/TECH/computing/9904/06/workflow/ent.
idg, p. 1 of 5, retrieved from the internet on Nov. 28, 2005.
JAVA, JAVA(TM) Technology in the Real World, java.sun.com,
May 21, 1999.

JAVA, JAVA(TM) Remote Method Invocation (RMI) Interface, java.sun.com, 05/32/99.

JAVA, JAVA(TM) Servlet API, java.sun.com, May 21, 1999.
OMG, Library, www.omg.com, May 25, 1999.
Mary C. Lacity, et al., Mary C. Lacity, et al., The Information
Systems Outsourcing Bandwagon, Sloan Management Review, vol.
35, No. 1, Fall 1993, p. 73-86.

Method of Protecting Data on A Personal Computer, IBM Corpo-
ration, TDB 11-85, Order 85A 62426, Nov. 1, 1995, p. 2530.
Clark, Microsoft, Visa to Jointly Develop PC Electronic-Shopping
Software, The Wall Street Journal, Nov. 9, 1994, WSJ B9.
Sirbu, et al, NetBill: An Internet Commerce System Optimized for
Network Delivered Services, printed on Feb. 27, 1995.
Mitchell, Netlink Goes After An Unbanked Niche, Card Technol-
ogy, ISSN: 1093-1279, Sep. 1999, p. 22.

Barham, Network Brings Together Producers and Companies,
Document ID: 17347.

Houlder, Oft Gives the Individual Top Priority: Report Calls for Deregulation of Business Lending, Document ID: 91716, Jun. 8, 1994.

OMWARE, Inc., Web Pages, Feb. 2000, Retrieved from http://web. archive.org/web20000226033405/www.omware.com/products. html, Retrieved from the interneet on Nov. 28, 2005. ANONYMOUS, Overview of CORBA, May 25, 1999. Harris, Planning Using Primavera Project Planner P3 Version 3.0, User Guide, Copyright 1999 by Eastwood Harry Pty Ltd., 1999. Point for Windows Version 3.x Interface Marketing Guide.pdf. Johnston, Pondering Passport: Do You Trust Microsoft With Your Data?, www.pcworld.com/resource/printable/article/O. aid,63244,00.asp, Sep. 24, 2001.

Primavera Systems, Inc.—How the World Manages Projects, Expedition Contract Control Software, www.primavera.com, Jun. 23, 2005.

Primavera and PurchasePro.com to Create E-Commerce Marketplace for Construction Industry, Primavera Ships P3, version 3.0, www.purchasepro.com/, Sep. 21, 1999, pp. 1-3. Product Data Integration Technologies, Inc., Step Integratin Authors, printed on Apr. 26, 1999.

Resource Center: Consolidated Edison Selects GE TPN Post, printed Apr. 26, 1999.

Kormann, Risks of the Passport Single Signon Protocol, Computer Networks, Elsevier Science Press, vol. 33, Sep. 20, 2003, pp. 51-58. SBA: Pro-Net, U.S. Small Business Administration Procurement Marketing and Access Network, Last Modified: Apr. 1, 1999. Jepsen, SOAP Cleans up interoperability problems on the web, IT PTO, Jan./Feb. 2001.

Safe Single-Sign-On Protocol with Minimal Password Exposure No

Decryption and Technology Adaptivity, IBM Corporation, TDB

03-95, Order 95A, Mar. 1, 1995, pp. 245-248.

Sun Microsystems, Inc., Schema for Representing CORBA Objects

in an LDAP directory, May 21, 1999, pp. 1-9.

Jakobsson et al., Secure and lightweight advertising on the web,

Computer Networks, 31 (1999), 1101-1109.

Servlet/Applet/HTML Authentication Process with Single Sign-On, IBM Corporation, IBM Order: 00A6004, Jan. 1, 2000. Shibata, Seventh International Conference on Parallel and Distributed Systems: Workshops, IEEE Computer Society, Jul. 4-7, 2000. Siebel, Siebel: Ensuring Customer Success, www.siebel.com, Nov. 17, 1999.

SmartAxis, How it works, http://www.smartaxis.co.uk/seller/ howitworks.html, printed on Feb. 23, 2001.

Thomas Publishing Company, SoluSource: For Engineers By Engineers, Thomas Publishing Company, Apr. 26, 1999. JAVA, Staying in Touch with JNDI, java.sun.com, May 21, 1999. Summary of The At Your Request Architecture, First USA Bank Confidential and Proprietary, Apr. 2, 1999, pp. 1-8. Temporary Global Passwords, IBM Corporation, IBM TDB v36, n3, 03-93, Order 93A 60636, Mar. 1, 1993, pp. 451-454. JAVA, The JDBC(TM) Data Access API, java.sun.com, May 21, 1999.

Carden, Philip, The New Face of Single Sign-on, Network Computing, http://www.networkcomputing.com, printed Dec. 29, 2000, 4 pages.

The check is in the email, Information Tdoay, vol. 12, No. 3 ISSN: 8755-6286, Mar. 1, 1995.

Thomas Publishing Company, ThomasNet, Apr. 26, 1999.
Ritz, Total Construction Project Management, McGraw-Hill, 1994.
Hewlett-Packard Company, Understanding Product Data Manage-
ment, Hewlett-Packard Company.
Welcome to MUSE, Apr. 26, 1999.

OMG, Welcome to OMG's CORBA for Beginners Page!, www. omg.co, May 25, 1999.

OMG, What is CORBA?, www.omg.com, May 25, 1999. Fujimura et al., XML Voucher: Generic Voucher Language, Feb. 2003.

eCharge, eCharge Corporation, www.echarge.com, Dec. 3, 1999. * cited by examiner

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