Abstract: Provided is a system and method for transferring change or coin value due to a first user as a result of a cash transaction where the system allows for reading of a signal or identifier from a first user device such as a smart phone to determine what funds are being requested for transfer. The system transfers funds from a second user such to the first user according to the requested amount of funds. The system further allows for verification and confirmation of the transfer and updating of the second user computer to show if any cash in the form of bills is due to the user. The funds may be transferred into a provider-managed account. Further, the system can calculate and deduct service fees at various points in the transaction cycle.