| http://www.w3.org/ns/prov#value | - Merchants' losses from acceptance of checks, with fraud and other reasons, total more than $12 billion dollars. [0005] In today's merchant market, check authorizations are performed by a host of third-party, non-bank competitors who authorize checks using various combinations of negative-file and credit-bureau positive information often in conjunction with neural models, to advise merchant clients
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