Patent ID: 7581674

Claim:
A stored value e-card system, comprising: an e-card financial management network having automated teller machine systems networked in multiple countries; a dual-card package purchasable at a point of sale location, the package including a first transaction card and a second transaction card, the transaction cards having a personal identification number; wherein the financial management network is configured such that, upon an initial fund deposit being made to an agent of the financial management network by a user of the first card, the stored value e-card system can be activated at the point of sale location; wherein the financial management network is configured to allow, upon activation, cash withdrawal through the automated teller machine systems; and wherein: the stored value e-card system is reloadable by the first card user after the initial fund deposit has been made; and the financial management network is configured so that cash withdrawal can be made only in a country other than the country in which the e-card system was activated.