ENVISO

providing access for multiple users to withdraw from and deposit into a shared account; facilitating person-to-person financial payment and withdrawal services via a communications network; secure electronic cash transactions and electronic cash transmissions; electronic funds transfer; currency exchange over global electronic communications networks; issuing stored value cards; providing access to and dissemination of financial information via a global computer network; authentication and verification services for financial transactions; electronic debit services; credit card services; financial services; providing access for multiple users to view balances and transaction history in any currency; providing access for multiple users to share funds between linked stored value cards; kiosks for providing shared access to funds; kiosks for purchasing, distributing and reloading prepaid cards; kiosks for viewing account balances, depositing funds, electronic bill paying, currency exchange, and conducting financial transactions; automatic teller machines; magnetically encoded cards; non-magnetically encoded cards; kiosks