| http://www.w3.org/ns/prov#value | - and can purchase groceries with the card (called an ???octopus card???) it seems likely that we will be paying for things with chips in our cell phones in the future.??? ???I am biased but believe mobile devices and other hardware will replace paper transactions.??? ???I think it will take longer than nine years but will change direction over time.??? ???Financial institutions and businesses will ne
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