Patent ID: 7392938

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, wherein the hand-held device is operative to wirelessly transmit a user transaction request corresponding to an amount of money having a first cash value, a transaction system, wherein the transaction system includes a network, wherein the network includes at least one automated teller machine (ATM) terminal, 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 via wireless communication the user transaction request transmitted from the portable hand-held device, wherein the transaction system is operative to associate at least the first cash value to the financial account number, wherein the transaction system is operative to instruct the ATM terminal to allocate the amount of money to the user.