How to translate high level entity relationship into schema

Question

According to the following articles written by Dr. Chan, we can describe high level entity relationship. (see page-10,11 of doc-A and page9 of doc-B)

•doc-A) English Sentence Structure and Entity-Relationship Diagram.

http://www.maltercorp.com/DrPeterChen/english.pdf

•doc-B) English, Chinese and ER diagrams.

http://www.csc.lsu.edu/~chen/pdf/ER_C.pdf

These articles said ERD is translated from English sentence like below.

-- The product is shipped to the customer.

-- This action “Shipping” is performed by the clerk.

Then think about another example.

-- The customer is identified their bank card.

-- This action “identifying” is Authenticated by the bank.

-- The bank issues the "bank card" to their "customer" with similar interpretation.

Now my questions are:

1. How can I express this situation with an ERD?

   Relationship “issue” has possibility to connect with two entities "Bank card" or
   "customer".

   But I don't want to use ternary relationship as a restriction.

2. How can I translate those entities mixed with different dimensions to a database schema?

3. Basically, is it possible to connect to the entity at another level ?

4. Are there any good tools for describing high level entity relationship and generating DDL?