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be read by a public payphone when the card is inserted into the card reader. This is superficially similar to a bank automated teller machine, but a stored-value card is more closely analogous to a change purse. While ATMs (as well as the remote memory systems discussed below) use the card merely to identify the associated account and record changes in a central database, stored-value systems make a physical alteration to the card, or write data to an embedded

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