Patent ID: 8812366

Claim:
A method comprising: receiving, by a back office system, a change order request from a point of sale system, wherein the change order request includes a request to exchange an amount of currency of a first denomination stored at the point of sale system with an amount of currency of a second denomination, wherein the amount of the currency of the second denomination is not stored at the point of sale system; determining, by the back office system, whether the back office system is able to fulfill the change order request including determining whether the amount of the currency of the second denomination is stored at the back office system; in response to determining that the back office system is able to fulfill the change order request, preparing funds for delivery to the point of sale system in accordance with the change order request without requesting funds from a remotely located financial institution holding an account of an entity associated with the back office system, wherein the funds include the amount of the currency of the second denomination; and in response to determining that the back office system is unable to fulfill the change order request, electronically forwarding, by the back office system, the change order request to the financial institution, wherein the point of sale system and the back office system are located in a retail location different from a location of the financial institution, and wherein preparing the funds for delivery includes transmitting a notification to a mobile device configured to be used by a manager of the retail location, the notification requesting approval of the change order request prior to the funds being dispensed by the back office system.