Patent ID: 7676395

Claim:
A method for providing a cash withdrawal service at a point-of-sale, the method comprising: providing an association-branded financial card to a cardholder which stores both a proprietary account number and an association account number, the proprietary account number corresponding to an issuer of the financial card and the association account number corresponding to an association network; initiating an on-us cash withdrawal transaction at a point-of sale terminal using the association-branded financial card, wherein the on-us cash withdrawal transaction comprises an electronic transaction which is acquired by the issuer of the financial card rather than the association network; and electronically providing the on-us cash withdrawal transaction using both the association account number and the proprietary account number by: in response to the initiation of the on-us cash withdrawal transaction, the point-of-sale terminal electronically reading the proprietary account number without reading the association account number; the point-of-sale terminal determining a cash withdrawal amount for the on-us cash withdrawal transaction to be withdrawn from an account associated with the association-branded financial card; the point-of-sale terminal providing the proprietary account number and the cash withdrawal amount to a switch associated with the issuer of the association-branded financial card without electronically accessing the association network; the switch determining the association account number based on the proprietary account number; and the issuer electronically authorizing the cash withdrawal amount based on the association account number without electronically accessing the association network.