Abstract: The present invention provides a computer implemented method, apparatus, and computer usable program code to receive a request to withdraw money using a bank card. A determination is made as to whether a profile is present on the bank card. The money is dispensed using types of currency based on the profile in response to the determination that the profile is present on the bank card.

Abstract: A method and system for facilitating the navigation of menu trees offered by service providers is provided. The method of facilitating menu tree options at a menu tree facilitator includes the steps of receiving a customer request from a customer at a menu tree service center, the request including a customer identification, and determining one menu tree from a plurality of menu trees based on the customer request, wherein each of the plurality of menu trees is associated with a service provider. The method also includes determining at least a portion of the determined menu tree based on the customer request; and sending the portion of the determined menu tree to the customer based on the determination. The menu tree facilitator is a separate entity from the service provider.