| http://www.w3.org/ns/prov#value | - Referring further to FIG. 6, access to the system by the customer 2 includes, for example, phone/interactive voice response (IVR) 46, personal computer (PC)/browser 48 over a network, such as the internet, kiosk/intranet 50, recruitment center/self service 52, automated teller machine (ATM)/self service 54, personal digital assistant (PDA)/digital 56, or an agent at a desktop/browser 58, or access
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