Patent ID: 6081792
Filing Date: 2000-06-27
Classification: G06Q,G07F

Abstract:
A method of providing money or an item of value to an account-holder, the method comprising:identifying an account to a terminal;entering a personal identification number into the terminal;requesting money or an item of value based upon the account via a first type of transaction;forwarding the first type of transaction to a processor;forwarding the first type of transaction from the processor to a first network;forwarding the first type of transaction from the first network to a bank;making a denial of the first type of transaction due to exceeded pre-set limit;forwarding the denial to the processor;notifying the account-holder at the terminal of the denial of the first type of transaction, and asking the account-holder if they would like to request the money or item of value via a second type of transaction;requesting money or an item of value based upon the account via a second type of transaction;forwarding the second type of transaction to the processor;forwarding the second type of transaction from the processor to a second network;forwarding the second type of transaction from the second network to the bank;making an approval of the second type of transaction;forwarding the approval to the processor;and instructing a money location separate from the terminal to provide money or an item of value to the account-holder.