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`MERO-48062
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`REGISTRATION, VERIFICATION AND NOTIFICATION SYSTEM
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`TWILIO, INC. EX. 1021
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`PTOISBI14 (08-05)
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`REGISTRATION, VERIFICATION AND NOTIFICATION SYSTEM
`
`DESCRIPTION
`
`BACKGROUND OF THE INVENTION
`
`[Para 1]
`
`The present invention generally relates to on—line or web—site registration.
`
`More particularly, the present invention relates to a process for verifying an on—line
`
`registration by a telephone connection separate from the on—line connection between the
`
`web—site and potential registrant. The present invention also relates to a process for
`
`notifying registrants of predetermined events using information obtained during the
`
`registration process.
`
`[Para 2]
`
`With the increasing popularity of the Internet, and web—site surfing and usage,
`
`both commercial and personal, it has become increasingly popular to require users to
`
`register at the web—site in order to obtain information from the web—site, order goods
`
`through the web—site, etc.
`
`In some instances, the owners of the web—site wish to use the
`
`registration information to selectively target promotions, advertisements, etc. to the
`
`registrant and thus get a secondary gain in addition to having the registrant visit the web-
`
`site or use the services provided through the web—site.
`
`In other instances, the registrant's
`
`registration information is not used whatsoever, but instead, the registration information is
`
`kept completely confidential and is used only for the purposes of allowing the registrant to
`
`enter the web—site and obtain information or goods and services through the web—site.
`
`[Para 3]
`
`Authentication is fundamental to every Internet transaction.
`
`Individuals and
`
`businesses who wish to engage in trade on—|ine must authenticate themselves by reliably
`
`establishing their identity, and presenting credentials as proof of that identity. However,
`
`when doing business on the Internet, potential registrants often register with untraceable or
`
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`false e—mail addresses and phone numbers. This can compromise the intended purpose of
`
`the registration, create a breach of security and constitute fraud on the web—site owners.
`
`[Para 4]
`
`Aside from Internet transactions, individuals and businesses may wish to have a
`
`notification procedure in place. For example, to prevent fraud or identity theft, either the
`
`business or individual may wish to be alerted to certain events. For example, a consumer
`
`may wish to be notified every time a withdrawal or more than one thousand dollars is
`
`requested from his checking account, or charged to his credit card. A business may wish to
`
`notify a consumer when more than five transactions post to a consumer's account within
`
`twenty—four hours. When credit cards, account numbers, and the like are stolen, these
`
`accounts are quickly drained of cash or credit over a short period of time. This can be
`
`largely avoided by notifying the account owner of these acts or even seeking his or her
`
`authorization before permitting such transactions to occur. Of course, this limits the
`
`financial liability for both the bank, as well as the consumer. There are other instances
`
`when such notification can be helpful, such as being alerted to when a teenage son or
`
`daughter charges more than $500.00 on their credit card, when automatic deposits occur,
`
`etc. There are also instances which are not financially based in which notification could
`
`benefit both the consumer as well as the business. For example, the consumer may want to
`
`be alerted to news information, updated sports scores, etc.
`
`[Para 5]
`
`Accordingly, there is a continuing need for a method of verifying a registrant’s
`
`identity, such as through the registrant’s telephone number. There is also a continuing
`
`need for a method to notify a registrant, such as through the registrant’s telephone
`
`number, of events which are established either by the individual registrant or the company
`
`through which the registrant is conducting services. The present invention fulfills these
`
`needs and provides other related advantages.
`
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`SUMMARY OF THE INVENTION
`
`[Para 6]
`
`The present invention resides in a process for verifying the identity of a
`
`registrant, as well as using the registration information to notify the registrant of events
`
`that are either established by the registrant or the business through which the registrant
`
`has registered. Generally, the process comprises providing a registration form to a
`
`registrant, who at least partially completes the registration form. At least one registration
`
`electronic contact is provided by the registrant. The registrant is then verified, such as by
`
`establishing a connection with the registrant vis a vis at least one registrant contact. A
`
`verification code is then communicated to the registrant. The verification code is then input
`
`by the registrant into an on—line form or a telephone verification system.
`
`[Para 7]
`
`In a particularly preferred embodiment, the registration form is provided in a
`
`web—site. The registrant is informed via the web—site that an electronic message is being
`
`sent to the registrant via the electronic contact, which is typically a telephone number. The
`
`electronic message may comprise a short message service (SMS) message received by
`
`registrant's telephone, or a voice message. The electronic message includes either the
`
`verification code or a verification system telephone number for the registrant to call to
`
`receive the verification code. Although the system typically establishes a telephonic
`
`connection with the registrant via the registrant's telephone number, the invention
`
`contemplates providing a system telephone number for the registrant to call to obtain this
`
`information. The verification code is then input by telephone using voice or keypad entry,
`
`or entered into a form on the web—site.
`
`[Para 8]
`
`During the registration and verification process, the information provided by
`
`the registrant in the registration form may be compared to a database containing personally
`
`identifying information. For example, such personal identifying information can include
`
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`registrant’s names, telephone numbers, addresses, e—mail addresses, social security
`
`numbers, etc., to verify and authenticate that the registrant is who he or she represents
`
`themselves to be.
`
`[Para 9]
`
`After registration, notification events are established. Establishing the
`
`notification events can be done by either the registrant and/or the business or other third
`
`party utilizing the system and process of the present invention. Such notification events
`
`may comprise a news event, or a request to access or alter registrant's account. For
`
`example, registrant’s account may comprise a financial account. Upon the occurrence of a
`
`previously established notification event, the registrant is notified by establishing a
`
`connection with the registrant, typically by contacting the registrant through a telephonic
`
`connection with the registrant via at least one registrant telephone number provided by the
`
`registrant during the registration process.
`
`[Para 10]
`
`The system of the present invention is designed so as to detect an answering
`
`machine message, and delay a predetermined amount of time before playing an automated
`
`message concerning the notification.
`
`If this occurs during the registration process, or a
`
`reverification process, the automated message includes the verification code.
`
`[Para 1 1]
`
`If the telephone number provided by the registrant is not a direct—|ine number,
`
`or is a PBX number, the registrant during the registration process indicates that the
`
`telephone number requires an extension and whether a live operator will answer a call.
`
`In
`
`the event that a live operator answers the call, an automated message is played directing
`
`the live operator to dial the extension of the registrant. Afterwards, a pause for a
`
`predetermined amount of time occurs before an automated message is played which
`
`includes either the verification code or notifying the registrant of the occurrence of a
`
`preestablished event. However, if a live operator does not answer the call, after a pause,
`
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`the extension is automatically dialed. After another pause, an automated message is
`
`played, including either the verification code or notification of the occurrence of the event.
`
`[Para 12]
`
`The registrant may be required to reverify, as described above, before
`
`permitting access or alteration of the registrant's account or receiving notification of the
`
`occurrence of the preestablished event. The registrant may be charged for the notification.
`
`[Para 13]
`
`Other features and advantages of the present invention will become apparent
`
`from the following more detailed description, taken in conjunction with the accompanying
`
`drawings which illustrate, by way of example, the principles of the invention.
`
`BRIEF DESCRIPTION OF THE DRAWINGS
`
`[Para 14]
`
`The accompanying drawings illustrate the invention.
`
`In such drawings:
`
`[Para 15]
`
`FIGURE I
`
`is a flow chart depicting the general steps taken in accordance with
`
`the verification process of the present invention;
`
`[Para 16]
`
`FIGURE 2 is another flow chart depicting the steps of the verification process of
`
`the present invention;
`
`[Para 17]
`
`FIGURE 3 is a flow chart depicting the steps of one embodiment of the present
`
`invenflon;
`
`[Para 18]
`
`FIGURE 4 is a flow chart depicting the steps taken in another embodiment of
`
`the present invention;
`
`[Para 19]
`
`FIGURE 5 is a flow chart depicting the steps taken in yet another embodiment of
`
`the present invention;
`
`[Para 20]
`
`FIGURE 6 is a flow chart depicting the steps taken in still another embodiment
`
`of the present invention;
`
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`[Para 2]]
`
`FIGURE 7 is a flow chart depicting the steps taken in another embodiment of
`
`the present invention;
`
`[Para 22]
`
`FIGURE 8 is a flow chart depicting the steps in yet another embodiment of the
`
`present invention;
`
`[Para 23]
`
`FIGURE 9 is a flow chart depicting the steps taken in accordance with the
`
`present invention for registering and verifying a registrant as a prelude to notification; and
`
`[Para 24]
`
`FIGURE 10 is a flow chart depicting the steps taken in accordance with the
`
`present invention when the registrant is not contacted directly, but through an operator or
`
`automated message system.
`
`DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS
`
`[Para 25]
`
`As shown in the accompanying drawings, for purposes of illustration, the
`
`present invention resides in a process for verifying the identity of a registrant, and utilizing
`
`the verification and/or registration information to notify the registrant of predetermined
`
`events established by either the registrant or the business.
`
`[Para 26]
`
`In a particularly preferred embodiment, as illustrated in FIG. I, the registration
`
`process involves an on—line registration form accessed through a web—site. However, it will
`
`be appreciated by those skilled in the art that the registration form nor process need involve
`
`an on—line form. The verification and notification processes, as will be more fully described
`
`herein, could be achieved through other registration forms, such as a handwritten form.
`
`The registrant is contacted via an electronic contact, such as a telephone number. One
`
`premise of the present invention is that it is difficult to filter, stop, or penetrate a telephonic
`
`voice call, whereas other means of communication, including, but not limited to, text
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`messaging, e—mai|, etc., can be intercepted, stopped, automatically filtered, trashed, or
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`deleted by a third party.
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`[Para 27]
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`As used herein, a registrant or user is one filling out the registration form in
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`order to register with the web—site or business. The registrant is typically a consumer,
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`which can be an individual, but can also be companies, organizations, governments, etc.
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`Typically, the registrant is registering with another business, which may also comprise an
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`individual, company, or organization or government. For example, the registrant or
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`consumer could be an individual attempting to access a web—site and set up an account
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`with a financial institution. The various identities, types and the like of the consumer and
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`business are varied, as is the purpose of registration and verification.
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`[Para 28]
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`As illustrated in FIG. 1, the end—user or registrant begins the verification
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`process (100), by filling out a form (102). Typically, this form is provided at a web—site.
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`If
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`the user does not complete the form (104), the user receives notification that they did not
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`complete telephone verification (106). However, if the user does fill out the form, he or she
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`is allowed to log in (108). The user is routed to, or is able to access, a page that requests
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`telephone verification (i 10). The user then attempts telephone verification (i 12), as will be
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`more fully described herein.
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`[Para 29] With reference to FIG. 2, in one registration embodiment, an on—line
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`registration form is provided to a potential registrant at a web—site (200). The registrant at
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`least partially completes a portion of the registration form (202). At the web—site, the
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`registrant is prompted to supply his telephone number (204), or a verification system
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`telephone number is supplied to the registrant and the registrant is prompted to call this
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`number (206). A telephonic connection is established between the registrant and the
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`verification system (208). During the registration process, a registration code is
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`communicated to the registrant (210). The registration code is then input into the on—line
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`registration form, or otherwise at the web—site, or into the verification system by telephone
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`(212). The verification and authentication is completed and the user is allowed to log into
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`the web—site.
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`[Para 30]
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`As described above, a present problem with on—line registrations is that the
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`registrant often registers with untraceable and false e—mail addresses and telephone
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`numbers. The present invention provides a process for verifying an on—line registration, or
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`at least the true identify of the registrant’s telephone number so as to provide an additional
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`layer of security and reduce fraud.
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`In the event of consumer of potential registrant
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`verification failure, it is assumed that the registrant who is not verified through the
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`verification system or through manual means is fraudulent. Therefore, the business may
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`elect to contact the consumer to determine why the consumer verification failed. This
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`contact may be completed by automated or manual means of communication between the
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`business and the consumer, including, but not limited to, automatically generated e—mai|,
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`manually generated e—mai|, manually or automatically generated telephone calls, text
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`messaging, etc.
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`[Para 31] With reference now to FIG. 3, in another embodiment, the verification process
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`begins by the registrant at least partially completing the on—line web registration form
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`(300). At the web—site, the registrant is prompted to enter the registrant’s telephone
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`number (302). The registrant is advised that the automated system will now call his
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`telephone number in search for verification (304).
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`If the phone does not ring, indicating
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`that the potential registrant has provided an untraceable or false telephone number, the
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`user is once again prompted to enter his telephone number (302). However, if the phone
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`rings and a connection is established between the registrant and a verification system (306),
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`the registrant answers the telephone and obtains a greeting and a registration code to enter
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`into the on—line web—site registration and verification form (308). The registrant is then
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`given the opportunity to enter the registration code, typically a three digit code, into the
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`on—line registration form (310).
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`If the registrant does not correctly enter the code, the
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`registrant is given another opportunity to do so (312). Typically, the registrant will be given
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`a limited number of attempts to enter the registration code. This prevents potential
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`registrants from attempting to enter a registration code by trial and error without providing
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`the correct telephone number in order to obtain the correct registration code via telephone.
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`However, if the registrant enters the code correctly, the registration is complete and the
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`registrant obtains a message, such as “you have been verified and can now log in” (314) or
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`the like. The registrant is then given access to the web—site or the services of the web—site
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`for which registration is required. The authentication and verification process is concluded.
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`[Para 32] With reference now to FIG. 4, yet another verification and authentication
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`process embodying the present invention is illustrated. The registrant completes, at least
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`partially, an on—line web registration form, and during the registration process is prompted
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`to enter his telephone number (400). The registrant is then given, at the web—site, a
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`registration code that needs to be entered by phone when the registrant is called (402). A
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`telephonic connection is then established by calling the telephone number provided by the
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`registrant (404).
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`If the phone does not ring and a telephonic connection is not established,
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`the registration is not accepted (406), and the registrant may then be prompted again to
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`register his telephone number (400).
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`[Para 33]
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`However, if the phone rings and a telephonic connection is established, the
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`registrant answers the phone and gets a greeting which includes a prompting to enter the
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`registration code obtained at the web—site (408). The registrant is then given the
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`opportunity to enter the registration code by telephone (410), such as by speaking into the
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`phone such that the verification system of the invention is enabled with speech recognition
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`software, or by entering the code via keypad or the like.
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`If the registration code is not
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`entered correctly (412), the user or the registrant is given another opportunity to correctly
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`enter the code. Preferably, as described above, the registrant is given a limited number of
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`opportunities to insert the registration code correctly, such as two or three attempts, before
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`the telephonic connection is disconnected and the registrant must begin the registration
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`process over again. This is primarily to conserve system resources. However, if the
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`registrant correctly enters the code via telephone, the registration is complete and the
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`registrant typically obtains a message such as “you have been verified and can now log in”
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`(414) or the like indicating that the authentication and verification process has ended and
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`that the registrant is given access to the web—site for the particular services for which
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`registration was initiated.
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`[Para 34] With refere