Abstract: Systems and methods for delivering goods and services from a provider to a receiver. The method includes placing an order for goods to the provider and providing the goods to a deliverer. The deliverer delivers the goods to the receiver. The deliverer then obtains at least one piece of data from the receiver at the time of delivery. The at least one piece of data is from a group comprising a credit card number, a debit card number, the information on the magnetic strip of a credit card, the information on the magnetic strip of a debit card, devices that store information that may be read by infra red, magnetic waves and/or radio waves, a check, a money order, a gift certificate, an electronic signature, and a copy of a piece of identification of the receiver. The at least one piece of data is then provided to a processor who handles payment to the provider.

Abstract: A method of providing money, goods, services or the like to an account-holder based on an account when the daily ATM limit set by a bank has been met, or when a debit or credit card PIN cannot be remembered. The process will enable one to access cash and items of value through either the ATM network or a point-of-sale network to thereby obtain cash or an item of value. If the account-holder has exceeded the ATM network limit, a processor may prompt the account-holder to determine if the account-holder would like to access the account through the point-of-sale network. The money or item of value will be disbursed to the account-holder at a third location, where precautionary security measures may be utilized to ensure that the person receiving the cash is indeed the proper account-holder.