Abstract: The disclosure allows consumers to perform various financial transactions from a single source. Consumers are enrolled and pre-approved for services. A card, which may be a pin-based card, is provided to the consumer, which identifies the pre-approved financial services/transactions. The consumer's card is for accessing either an Assisted or Self-Service kiosk. A consumer inserts/swipes the card into a Kiosk and may enter a pin number then a list of services is provided. The consumer selects a service and the Kiosk performs the service if the consumer has been approved for that service. Services include, but are not limited to obtaining a cash-advance. cashing a check, wiring money, obtaining a money order, exchanging foreign currency, paying bills withdrawing money from an ATM, obtaining a pre-paid phone card, obtaining a pre-paid debit card, and others.

Abstract: The present invention allows consumers to perform various financial transactions from a single source. Consumers fill out an application and are pre-approved for a variety of financial services. The consumer is provided with a smart card, which is embedded with information about the consumer and all the services for which the consumer has been pre-approved. A consumer inserts the smart card into a conveniently located proprietary point of purchase resource and is provided a list of services. The consumer selects a service and the proprietary point of purchase resource performs the service if the consumer has been approved for that service. Services include obtaining a cash-advance, cashing a check, wiring money, obtaining a money order, exchanging foreign currency, paying bills, withdrawing money from an ATM, obtaining a pre-paid phone card and obtaining a pre-paid debit card.