Abstract: A kiosk terminal includes a touch screen for input of financial information by a user to define a method of payment, and to specify goods or services to be purchased. An encryption processor receives the x/y coordinates of each touch to the touch screen, and encrypts the same for transfer to a main processor unit. The main processor unit decrypts the data, determines if the data is sensitive, such as a PIN input by the user, and encrypts such sensitive data for transmission to a financial network. The decrypted data determined by the main processor unit to be nonsensitive is converted to “mouse clicks” and applied to an application program to drive the CRT associated with the touch screen.

Abstract: A method of transferring monetary value for unbanked customers by depositing cash, or the like, into a kiosk terminal. A security code is provided to the customer depositing the cash. The security code is forwarded by the customer in any manner to a destination where the security code is input by a patron into a kiosk terminal. The monetary value, less a transaction fee, is dispensed to the patron at the destination kiosk terminal. A financial network, including a transaction server and a cash authorization/settlement processor, control the communication of the transaction messages between the kiosk terminals and the settlement of the transaction fee between the providers of the financial network.