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US 20020013728A1 (19) United States (12) Patent Application Publication (10) Pub. N0.: US 2002/0013728 A1 (43) Pub. Date: Milkman (54) UNIVERSAL TRANSACTION MANAGER AGENT, SYSTEMS AND METHODS Jan.
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US 20020013728A1 requires detailed information about the invention, including its novelty and usefulness.
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