| http://www.w3.org/ns/prov#value | - Other embodiments could use any network, such as the Internet, instead of a WAN. As those skilled in the art can appreciate, the funds transfer server 530 could be a single computer or many computers that are connected by a network to perform as one. [0077] On behalf of the user and the merchant, the funds transfer server 630 choreographs funds transfers between the user and FTS accounts 640, 660
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