Abstract: A system and method are provided for facilitating a transaction between a customer and a merchant in which a cash change amount between 1¢ and 99¢ is due the customer. According to an aspect of the disclosure, a method includes the steps of receiving information regarding an account associated with a customer, a merchant and a tracking fee amount; charging a tracking fee to an account associated with a customer; and crediting the tracking fee to an account associated with a merchant. Subsequently, an amount given by the sum of the amount of credit purchased and the tracking fee is credited to an account associated with a customer and charged to an account associated with a merchant. Accounts associated with a customer and a merchant are typically maintained electronically, and the charging and crediting are performed by a computing device. The credit purchase amount and tracking fee are equal.

Abstract: A method and a system complete a transaction with an identification card and/or a point of sale system. A customer tenders an amount of money to a retailer for purchasing a product and/or a service offered by the retailer and/or for completing a retail transaction with the retailer. The retailer may owe a monetary value to the customer from the retail transaction. A financial account associated with the identification card of the customer is identified by the point of sale system. The point of sale system and/or the retailer transfers the monetary value to the financial account associated with the identification card of the customer. The identification card is associated with a balance of the financial account. The balance of the financial account is redeemable with the retailer to complete an additional retail transaction. The point of sale system transmits information relating to the identification card and/or relating to the financial account to a server via a network.