| http://www.w3.org/ns/prov#value | - Referring to FIGS. 2A-2C and 3, a preferred system 10 of the present invention comprises purchaser 12 making a purchase from merchant 14, such as a purchaser accessing a merchant's World Wide Web site with a personal computer or other source that is external from, or not directly connected to, the on-line ATM/POS transaction system 24 (FIG. 2, Block 110).
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