Patent ID: 8245911

Claim:
A computer-readable storage device encoded with a computer program, the computer program comprising instructions that, when executed, operate to cause a computer to perform operations comprising: wirelessly receiving, at a wireless device, available cash information corresponding to an amount of money deposited in an account record associated with said wireless device to enable a user determined portion of said amount of money to be spent directly from said wireless device as cash in a transaction, wherein said available cash information comprises account identification information, a security code and an available cash amount that may be spent, wherein said account identification information corresponds to said account record, wherein said available cash amount corresponds to said amount of money deposited in said account record, wherein said security code comprises a fixed code portion provided by a bank to confirm a deposit of said amount of money, wherein said available cash information is operable to enable authorization of said transaction; generating an indicator of said available cash information by said wireless device to enable said account record to be identified and debited for said user determined portion of said amount of money; and wirelessly receiving, at said wireless device, an updated available cash information comprising a new available cash amount after debiting said account record for said transaction.