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21]FIGS. 6A, 6B and 6C are a flow diagram describing the authorization and clearing of a transaction. [0022]FIG. 7 is flow diagram describing the completion of a transaction at the point of sale. [0023]FIG. 8 illustrates an example of a transaction receipt printed at the point of sale. [0024]FIG. 9 is a flow diagram describing the settlement of transactions. [0025]FIG. 10 illustrates the settlemen
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