| http://www.w3.org/ns/prov#value | - As such, the communication device 12 generally comprises a modem, server, or other device for communicating with other devices on the network 2.As further illustrated in FIG. 1, the financial institution's merchant offer program system 3 includes computer-readable instructions 18 stored in the memory device 16, which in one embodiment includes the computer-readable instructions 18 of a merchant of
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