Abstract: An information system that uses cloud-based components for providing services to remote kiosk users includes a first remote kiosk configured to receive a card having data indicative of a transaction request. A computer server operates in a cloud computing environment and provides processing to remote kiosk users. The system includes a computer readable memory having at least one database operating in the cloud, the memory in data communication with a processor, and the memory configured to store programming and data structures associated with customers. The card is associated with a respective customer. Programming instructions cause the processor to receive a request from the first remote kiosk to consummate a transaction, receive data from the first remote kiosk, the data provided at least by a respective card submitted at the first remote kiosk, verify the received data, consult the at least one database for transaction availability, and finalize the requested transaction.