Patent ID: 7726557

Claim:
A currency dispense and control system that dispenses currency in response to a request made by a user of the currency dispense and control system, comprising: an automated teller machine system that approves a dispensation of currency from a bank account of the user using an electronic fund transfer network if the request requires approval from the electronic fund transfer network; and a currency control module that approves a dispensation of currency independently of any electronic fund transfer network by comparing a desired withdrawal amount to a maximum dispensation amount stored within the currency dispense and control system if the request does not require approval from the electronic fund transfer network, wherein the currency dispense and control system determines whether the request requires approval from an electronic fund transfer network based on reading magnetically embedded data stored on a user card, the magnetically embedded data, when processed by the currency dispense and control system, bearing information that prompts the currency dispense and control system to use or not to use any electronic fund transfer network.