Patent ID: 7201313

Claim:
Apparatus comprising: a portable hand-held device, wherein the hand-held device includes memory, wherein the memory includes a financial account number, wherein the hand-held device is operative to communicate wirelessly, wherein the hand-held device is operative to wirelessly transmit the financial account number, a transaction system, wherein the transaction system includes a network, wherein the network includes at least one automated teller machine (ATM), wherein the at least one ATM includes at least one cash dispenser, wherein the transaction system is operative to receive via wireless communication the financial account number transmitted from the portable hand-held device, wherein the transaction system is operative to receive a request for an amount of cash having a cash value, wherein the transaction system is operative to associate at least the cash value to the financial account number as payment for the amount of cash requested, wherein the transaction system is operative to instruct the at least one ATM to dispense via the at least one cash dispenser, a cash amount corresponding to the amount of cash requested.