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You are misunderstanding the system. You think that you give a card and a zip-code and the machine says the bank, "Is Jon Kline good for $13.50?" and the bank says back, "Yes, if he knows that his zip code is 12345." No, the way it works is the machine says to the bank, "Is Jon Kline who resides in the 12345 zip code good for $13.50?" and the bank says yes ...

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