Abstract
Reporters obtained the following quote from the background information supplied by the inventors: “Auser utilizes a transaction card to perform in-person trans actions (e.g., purchase goods and/or services ata merchant’s store), to perform online transactions (e.g., paying a bill, purchasing goods and/or services,etc .), and/or the like. When performing a transaction with a transaction card, a me rchant device mayrequest approval of utilization of the transaction card from a financial institution that issued the transactioncard.”
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