Patent ID: 7905400

Claim:
A method for effectuating a value transfer from one or more point-of-sale devices, the steps comprising: configuring a plurality point-of-sale devices to each communicate directly with a first communication network, wherein configuring the plurality of point-of-sale devices further comprises configuring one or more of the plurality of point-of-sale devices to each communicate directly with the first communication network for the purpose of processing transactions using stored value cards; communicating directly, via a second communication network and the first communication network, a first set of transaction information between a first transaction system and each of the plurality point-of-sale devices, wherein the first set of transaction information comprises transaction information relating to a stored value card transaction; and communicating directly, via a third communication network and the first communication network, a second set of transaction information between a second transaction system and each of the plurality point-of-sale devices, wherein the direct communication between each of the plurality of point-of-sale devices, the first communications network, the second communications network, the first transaction system, and the second transaction system comprises communication without intervening systems of networks.