Supermarkets that have club membership program should have a feature that allow customers to save the change in an account after a cash purchase. For example, a guy buy some candy for $1.56 and paid $2. He can have the option of getting .44 cents back or save .44 cents in his club membership account by swipping/scanning his club card.

Next time he buys something, he can pay with the $ accumulated in his club membership account.

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